Best Credit Cards For Dining 2021 - Calculate Rewards (Canada)

Calculate which Canada credit cards will earn you the best return on dining spend, get our picks for the best cards of 2021, and compare top cards.
Last Updated 2021-08-12
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If you frequently dine out at restaurants, you can turn that spending into rewards redeemable for cash back, travel, gift cards, and much more. Review the best credit cards in Canada for dining and calculate which cards can earn you the most rewards based on your spend.

Best Dining Credit Cards In Canada

American Express Cobalt™ Card
Best Overall Card For Dining
card
Best Travel Rewards Card For Dining
Scotiabank Gold American Express Card
Best No Foreign Transaction Fee Card For Dining

This page details our top picks for the best credit cards in Canada for dining. There's also a Rewards Calculator at the bottom of this page that you can use to estimate which credit cards can earn you the best average return on your spend.

The cards on this page are updated periodically. New cards are introduced from time to time and the benefits of current cards could change at any time.

You can also use our Credit Card Finder Tool to search by spend across all credit cards in our database.


Best Overall Card For Dining

American Express Cobalt™ Card
American Express Cobalt™ Card

The American Express Cobalt Card is one of the best rewards credit cards in Canada.

It earns 5X Membership Rewards Points on restaurant and grocery store purchases, 2X on gas, travel, and transit, and 1X on everything else.

Points earned with the card can be redeemed for as much as 2 cent each for Fixed Point Travel through American Express. You can also easily redeem points for 1 cent in value for many other redemptions.

Membership Rewards Points can also be transferred to several airline and hotel rewards programs including Air Canada Aeroplan, Delta Airlines SkyMiles, and Marriott Bonvoy.

When it comes to earning valuable rewards on your dining spend, you can't beat the flexibility of the Cobalt Card.

American Express Cobalt™ Card
American Express Cobalt™ Card
Intro Bonus
View Issuer's Website
Rewards Rate
5X
Earn 5X points at restaurants and grocery stores including food delivery.
2X
Earn 2X points on gas, travel, and transit.
1X
Earn 1X points on everything else.
Main Card Highlights
  • With your American Express Cobalt Card you can redeem your points towards whatever eligible Card purchases you want – your options are anything but limited
  • Cobalt Cardmembers receive regular Perks, including bonus rewards and access to great events.
  • Enjoy benefits at over 600 participating hotels and resorts in over 30 countries with The Hotel Collection
  • Road trip or flight, you may be protected when you book travel with your Card.
Annual Fee
$12.99 per month
Authorized User Fee
$0
Foreign Transaction Fee
2.5%

Best Cash Back Card For Dining

Simplii Financial Cash Back Visa
Simplii Financial Cash Back Visa

If you're looking for cash back rewards, the Simplii Financial Cash Back Visa Card is at the top of the list.

This card earns 4% cash back on the first $5,000 in spend between eligible restaurant, bar, and coffee shop purchases. It also earns a solid 1.5% cash back across gas, grocery, drugstore, and pre-authorized payments on up to $15,000 per year.

Cash back earned with the card is given back to you as a one-time annual credit on your December statement. If you don't mind that, this is the best credit card on the market for earning cash back on your dining spend.

Simplii Financial™ Cash Back Visa Card
Simplii Financial™ Cash Back Visa Card
Intro Bonus
View Issuer's Website
Rewards Rate
4%
Earn 4% cash back on eligible restaurant, bar and coffee shop purchases, up to $5,000 per year.
1.5%
Earn 1.5% cash back on on eligible gas, groceries, drugstore purchases and pre-authorized payments, up to $15,000 per year.
0.5%
Earn 0.5% cash back on all other credit card purchases with no limit on how much you can earn.
Main Card Highlights
  • Dine at restaurants, fill your gas tank, buy groceries — there's no limit to the total cash back you can earn
  • Get all the benefits of the Simplii Financial Cash Back Visa Card with no annual fee.
  • Add up to 3 additional cardholders and earn cash back faster. Don't worry, you can set spending limits.
  • Add your credit card to your mobile wallet and pay with Apple Pay, Google Pay™ or Samsung Pay®.
  • Protection your purchases with Purchase Security and Extended Protection Insurance.
  • Minimum Income Requirements: $15,000 Household
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.5%

Best No-Fee Card For Dining

MBNA Rewards Platinum Plus Mastercard
MBNA Rewards Platinum Plus Mastercard

If you're looking to dodge annual fees while still earning a solid return on your dining spend, the MBNA Rewards Platinum Plus Mastercard is a great option.

It earns 2X MBNA Rewards Points on restaurant, grocery, digital media, membership, and household utility purchases on up to $10,000 in spend for each category. Points can be redeemed at the highest value of 1 cent each towards travel or you can use them for cash back, gift cards, merchandise or charitable donations.

MBNA Rewards Platinum Plus® Mastercard®
MBNA Rewards Platinum Plus® Mastercard®
Intro Bonus
View Issuer's Website
Rewards Rate
2X
Earn 2X points for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $10,000 is spent annually in the applicable category.
1X
Earn 1X points for every $1 spent on other eligible purchases.
Main Card Highlights
  • Each year, you will receive Birthday Bonus Points equal to 10% of the total number of Points the account earned in the 12 months before the month of the primary cardholder's birthday, to a maximum Birthday Bonus each year of 10,000 Points
  • Redeem points for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
  • No Annual Fee
  • Your MBNA Rewards Points never expire as long as your account is open and in good standing
  • The redemption value for travel is 100 points per $1, while cash and charity donations are 200 points per $1.
  • With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown.
  • Extended Warranty Benefits and Purchase Assurance
  • Use your MBNA credit card to save a minimum of 10% off the base rates in Canada and the U.S., and a minimum of 5% off the base rates internationally, on qualifying car rentals at participating Avis and Budget locations.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.5%

Best Travel Rewards Card For Dining

MBNA Rewards World Elite Mastercard
MBNA Rewards World Elite Mastercard

The MBNA Rewards World Elite Mastercard is a great option if you want to quickly build points redeemable towards travel.

The card earns 5X MBNA Rewards Points on restaurant, grocery, digital media, membership, and household utility purchases on up to $10,000 in spend for each category. Points can be redeemed at the highest value of 1 cent each towards travel.

Cardholders can also redeem 120 points for $1 in cash back which is a better rate than the MBNA Rewards Platinum Plus Mastercard offers.

Along with earning points at a high rate, the card offers a good amount of travel insurance coverage along with mobile device insurance and price protection.

MBNA Rewards World Elite® Mastercard®
MBNA Rewards World Elite® Mastercard®
Intro Bonus
View Issuer's Website
Rewards Rate
5X
Earn 5X points for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category.
1X
Earn 1X points for every $1 on all other eligible purchases.
Main Card Highlights
  • Each year, you will receive Birthday Bonus Points equal to 10% of the total number of Points the Account earned in the 12 months before the month of the primary cardholder's birthday, to a maximum Birthday Bonus each year of 15,000 Points.
  • Redeem points for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
  • Your MBNA Rewards Points never expire as long as your account is open and in good standing.
  • The redemption value for travel is 100 points per $1, while cash and charity donations are 120 points per $1.
  • Redeem points towards a Statement Credit and apply it directly to your credit card balance.
  • Includes Collision Damage Waiver Benefits providing rental vehicle coverage for up to 31 consecutive days for eligible auto rental damage.
  • Travel insurance such as travel medical insurance, delayed and lost baggage insurance, and flight/trip delay insurance.
  • With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown.
  • If you purchase an eligible item with your card and find the same product advertised in Canada at a lower price within 60 days of the purchase, the difference will be refunded subject to a maximum of $500 per item and a calendar year maximum of $1,000 per account.
  • Use your MBNA credit card to save a minimum of 10% off the base ratesin Canada and the U.S., and a minimum of 5% off the base rates internationally, on qualifying car rentals at participating Avis and Budget locations.
Annual Fee
$120
Authorized User Fee
$50
Foreign Transaction Fee
2.5%

Best No Foreign Transaction Fee Card For Dining

Scotiabank Gold American Express® Card
Scotiabank Gold American Express Card

If you want a card that cover your back domestically and internationally, the Scotiabank Gold American Express Card is top-tier.

The card earns a whopping 5X Scotia Rewards Points on grocery, restaurant, and entertainment purchases, 3X on gas, transit, and select streaming services, and 1X on everything else.

What's best about this card is that it has no foreign transaction fees. This means you can avoid the 2.5% fees on foreign currency purchases online and when traveling abroad. You'll only need to worry about the exchange rate which will save you lots of money in the long run.

The Scotiabank Gold American Express Card also offers Priority Pass membership and 8 types of insurance coverage which includes trip cancellation and trip interruption insurance, rental car collision loss/damage insurance, and flight delay insurance.

Scotiabank Gold American Express® Card
Scotiabank Gold American Express® Card
Intro Bonus
Earn up to 50,000 bonus Scotia Rewards points in your first year (that’s up to $500 towards travel). Plus, no annual fee in the first year, including on supplementary cards.
Rewards Rate
5X
Earn 5x Scotia Rewards points for every $1 spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions.
5X
Earn 5x Scotia Rewards points for every $1 spent on eligible entertainment purchases. Includes movies, theatre, and ticket agencies.
3X
Earn 3x Scotia Rewards points for every $1 spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more.
3X
Earn 3x Scotia Rewards points for every $1 spent on eligible select streaming services.
1X
Earn 1x Scotia Rewards point for every $1 spent on every other purchase.
Main Card Highlights
  • No foreign transaction fees - You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.
  • Make every day more rewarding with Amex Offers. With offers for shopping, dining, travel, and more, there’s something for everyone.
  • Cardmembers can purchase Front Of The Line® presale tickets to some of the most in-demand concerts, theatre productions, restaurants, and special events before the general public.
  • Enjoy a variety of special offers and events created just for you through American Expres Invites.
  • Book and redeem any flight for any time through Scotia Rewards Travel Service, a full-service travel agency. Plus, take advantage of the Best Price Guarantee on airfare.
  • Whether you need help booking your restaurant reservations or scoring tickets for a show, our concierge service is happy to assist you 24/7.
  • Be confident that you’ll have a place to relax or catch up on business. Enjoy a preferred discount on the Priority Pass™ membership and access over 1200 VIP lounges around the world as a Scotiabank Gold American Express® Cardholder.
  • Shop and travel with 8 types of insurance coverage including trip cancellation and trip interruption insurance, flight delay insurance, travel emergency medical insurance, and rental car collision loss/damage insurance.
Annual Fee
$120
Authorized User Fee
$29 per card
Foreign Transaction Fee
0%

Best Credit Cards For Dining Summary

Credit Card Annual Fee Best For Learn More
American Express Cobalt™ Card $12.99 per month Best Overall Card For Dining Learn More
Simplii Financial™ Cash Back Visa Card $0 Best Cash Back Card For Dining Learn More
MBNA Rewards Platinum Plus® Mastercard® $0 Best No-Fee Card For Dining Learn More
MBNA Rewards World Elite® Mastercard® $120 Best Travel Rewards Card For Dining Learn More
Scotiabank Gold American Express® Card $120 Best No Foreign Transaction Fee Card For Dining Learn More

Best Credit Cards By Spend Calculator

The Best Credit Cards By Spend Calculator will give you an idea of which credit cards will offer you the most rewards and best return based on your spend.

Results will be sorted by net return. This is calculated by taking the average value of the rewards earned adding the average value of card benefits and subtracting any annual fees the card has.

Results will consist of top-rated credit cards in the market.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
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Income Requirements

Some credit cards require certain income requirements to be met either based on your individual income or the income of the entire household. You can set a max income to limit which cards are listed in the result. Cards that require an income limit over the amount selected will not be included in the results.
Income Type
Income Maximum

Credit Card Rewards Type

Select the type(s) of rewards you're looking to earn when using credit cards and we will grab the top-rated cards for that type. De-selecting all options will pull from all available credit cards available on the site.
Cash Back is one of the most flexible and easy-to-use currencies. It can be used towards just about anything.
Airline miles are great if you're looking to book free flights. They can be earned using co-branded airline credit cards or by using transfer partners.
Hotel rewards points can be used to book free nights at hotels. They can be earned using co-branded hotel credit cards or by using transfer partners.
Travel rewards allow you to book a wide range of travel options including flights, hotels, cruises, car rentals and more. This may include booking travel directly through the bank's travel portal, transferring rewards to travel programs, or using rewards to wipe out travel purchases made to your card.
General rewards can be used for just about anything. This includes gift cards, statement credits, travel, cash back, and more.

Personal or Business Card

Choose the type of card you're looking for.
These are your standard consumer credit cards that you use for your personal, everyday purchases.
If you want to earn rewards on your business spend, business credit cards are the way to go.
If you don't have a preference, why not display both?

Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option.

If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such.

Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations.

When set to zero (0), they will calculate based on The Point Calculator's valuations. Any non-zero value you enter will be used in the calculations.

You can click on the to learn more about the value of the currency when applicable (opens in a new tab/window). Depending on the calculations, all programs listed below may not be featured in the results.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
Results Will Appear Here
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