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Best Grocery Credit Cards Canada

Top Picks + Rewards Calculator
Get our top picks for the best credit cards in Canada for grocery purchases and calculate which cards will earn you the most rewards based on spend.
By Robert Flowers III - 2024-01-24
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There's no shortage of credit cards that can earn you a great return on your grocery spending.

Here are our top picks for earning rewards on grocery purchases in Canada:

  • American Express Cobalt™ Card: Best for flexible travel rewards.
  • Tangerine Money-Back Credit Card: Best Mastercard for uncapped 2% back.
  • Scotiabank Gold American Express® Card: Best for no foreign transaction fee.
  • BMO CashBack® Mastercard®: Best for no annual fee.
  • Scotia Momentum® Visa Infinite Card: Best for heavy grocery spenders.
  • National Bank World Elite® Mastercard®: Best Mastercard for travel rewards.
  • PC Financial World Elite Mastercard®: Best for Loblaw companies.

American Express Cobalt™ Card

Best For Flexible Travel Rewards
American Express Cobalt™ Card
  • Earning Rate: Earn 5X Membership Rewards points on restaurant and grocery purchases in Canada, 3X on streaming subscriptions, 2X on gas and transit in Canada and on travel, and 1X on everything else.
  • Main Highlights: High earning rates combined with the ability to transfer points to 8 partners including Air Canada, Delta Airlines, British Airways, and Marriott Bonvoy.
  • Annual Fee: $12.99 per month ($155.88 annually)
  • Summary: The AMEX Cobalt is one of the best travel rewards credit cards in Canada due to it's high earnings on gas and grocery combined with the fact that points are worth as much as 2 cents each (or more) when redeemed for travel. This is the best card to have if you're looking for flexible rewards and it's the best travel card if you spend heavy in grocery/restaurant combined (as in $1k+ month).

Tangerine Money-Back Credit Card

Best Mastercard For Uncapped 2% Money-Back
  • Earning Rate: Earn 2% Money-Back on up to two select categories of your choice and 0.5% on all other purchases. Choose a 3rd 2% Money-Back category if you deposit rewards into a Tangerine Savings account.
  • Main Highlights: Unlimited 2% Money-Back, rewards paid out monthly, and low income requirement.
  • Intro Bonus: Get 10% back, up to $100, when you spend up to $1,000 in your first 2 months.
  • Annual Fee: $0.
  • Summary: You can earn an uncapped 2% Money-Back on grocery and another category of your choice. You'll also receive your rewards monthly which is a big plus if you don't want to wait the entire year for hard earned cash back.

Scotiabank Gold American Express® Card

Best For No Foreign Transaction Fee
Scotiabank Gold American Express Card
  • Earning Rate: Earn 6X Scene+ points at participating grocers, 5X in Canada on dining, food delivery, entertainment, and other eligible grocery stores, 3X in Canada on gas, daily transit, and select streaming services, and 1X on everything else.
  • Main Highlights: Airport Lounge access via Priority Pass, No Foreign Transaction Fees on international purchases, and top-notch travel insurance.
  • Annual Fee: $120
  • Summary: If you plan on traveling internationally or making international purchases, you can't beat the 0% foreign transaction fee of the Scotiabank Gold AMEX. On top of that, you'll earn a high return on your spending in Canada across everyday categories.

BMO CashBack® Mastercard®

Best For No Annual Fee
BMO CashBack® Mastercard®
  • Earning Rate: Earn 3% cash back on grocery (up to $500 per statement cycle, then 0.5%), 1% back on recurring bill payments (up to $500 per statement cycle, then 0.5%), and 0.5% back on all other purchases.
  • Main Highlights: No annual fee and no minimum income requirements.
  • Annual Fee: $0
  • Summary: This is the best no annual fee credit card for grocery that has no minimum income requirements. If you spend about $500 a month on grocery, you can rake in an easy $180 in cash back per year with this card.

Scotia Momentum® Visa Infinite Card

Best Visa Card For Heavy Spenders
Scotia Momentum® Visa Infinite Card
  • Earning Rate: Earn 4% back on grocery, recurring bill payments, and subscription purchases (up to $25,000/year in combined purchases), 2% back on gas and daily transit purchases (up to $25,000/year in combined purchases), and 1% back on all other purchases.
  • Main Highlights: High caps and Visa Infinite benefits
  • Annual Fee: $120
  • Summary: If you spend heavy in grocery (combined with recurring bill payments and subscriptions), you can squeeze a lot of cash back out of this card. The extra travel benefits and insurance that comes with the card makes it even better.

National Bank World Elite® Mastercard®

Best Travel Rewards Mastercard
National Bank World Elite® Mastercard®
  • Earning Rate: Earn 5X points on the first $2,500 in monthly grocery and restaurant purchases (then 2X), 2X points on gas, electric vehicle charging, recurring bill payments, and Ă€ la carte Travel purchases, and 1X on all other purchases.
  • Annual Credits: $150 in travel-fee refunds
  • Main Highlights: National Bank VIP Lounge access (Montreal-Trudeau) and top-notch travel insurance.
  • Annual Fee: $150
  • Summary: The NBC World Elite Mastercard offers high earning rates across several everyday categories including 5X on grocery which is a 5% return when booking travel through NBC's Ă€ la carte Travel™ Agency. You'll also be able to enjoy superb travel insurance including trip cancellation and trip interruption insurance.

PC Financial World Elite Mastercard®

Best For Loblaw Companies
PC Financial World Elite Mastercard®
  • Earning Rate: Earn 30X points with Loblaw Companies and PC Travel and 10X points everything else.
  • Main Highlights: Bonus points with Esso and Mobil.
  • Annual Fee: $0
  • Summary: If you shop at Loblaws and any of the many other companies under that umbrella, it will be best to own this card. It earns an excellent return on your spend and you can use these points to shave money off your bill.

Grocery Rewards Calculator: Which Card Is Best For You?

Input your grocery and supermarket spend into your rewards calculator to find out which credit cards will earn you the most points, miles, or cash back. You can also add additional spending categories if you wish.

Results will consist of all available credit cards in our database. They will be sorted by net return which is the average value of rewards earned, plus annual credits, and minus annual fees.

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Calculator Options
What Type of Rewards Do You Want To Earn?
This calculator can output the best credit cards for a general rewards type or compile a list of the best credit cards for earning rewards with a specific loyalty program.
Frequent Flyer Programs
Select the frequent flyer program that you want to earn rewards for. Results will include all co-branded credit cards offered by the selected airline and all credit cards partners that allow you to transfer rewards to the selected airline.
Hotel Loyalty Programs
Select the hotel loyalty program that you want to earn rewards for. Results will include all co-branded credit cards offered by the selected hotel program and all credit cards partners that allow you to transfer rewards to the selected hotel program.
Other Loyalty Programs
Select the program that you want to earn rewards for. Results will include all credit cards offered by the selected program and all credit cards partners that allow you to transfer rewards to the selected program.
Personal Or Business?
Are you looking for personal (consumer) credit card or business credit cards? You can also include both in the results.
Income Maximum
Select if you're looking for credit cards based on your own individual income or if you're looking for credit cards based on the income of the entire household -AND- select the maximum income requirement you want listed in the results.
Enter Your Monthly & Yearly Spend Amounts
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
Deletes all categories in the Category Spending section so you can start fresh.
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.
Type at least 3 characters.
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About Spend Region: Some credit cards feature categories that only earn rewards when spending in a certain region. Changing this category to Domestic or International spend will calculate such for those cards, otherwise it's assumed by Default.

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Results

These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card. They should be used for illustrative purposes only.