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

Calculate which Canada credit cards will earn you the best return on groceries, get our picks for the best cards of 2021, and compare top cards.
Last Updated 2021-08-12
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There's no shortage of credit cards that can earn you a great return on your grocery spending. Review the best credit cards in Canada for grocery purchases and calculate which cards can earn you the most rewards based on your spend.

Best Grocery Credit Cards In Canada

American Express Cobalt™ Card
Best Overall Card For Groceries
Scotiabank Gold American Express Card
Best Travel Rewards Card For Groceries & Entertainment
CIBC Dividend® Visa Infinite Card
Best Cash Back Card For Groceries & Gas
Scotia Momentum Visa Infinite Card
Best Cash Back Card For Groceries & Recurring Bills/Subscriptions
Tangerine Money-Back Mastercard
Best No-Fee Cash Back Card For Groceries
PC Financial World Elite Mastercard®
Best Card For Loblaw Companies

This page details our top picks for the best credit cards in Canada for grocery purchases. 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 Groceries

American Express Cobalt™ Card
American Express Cobalt™ Card

The American Express Cobalt Card is one of the best travel rewards credit cards in Canada thanks to it's flexible rewards.

The card earns 5X Membership Rewards Points on restaurant and grocery store purchases (including food delivery), 2X on gas, travel, and transit, and 1X on everything else.

Points earned with the card can be redeemed for significant value towards travel as well as great value for many other redemptions including paying off charges made to the card. You can also transfer Membership Rewards Points to a large handful of partners including Air Canada Aeroplan, Hilton Honors, and Marriott Bonvoy to name a few.

The Cobalt Card features great benefits as well such as special access to exclusive events, up to $100 USD hotel credits when booking stays through The Hotel Collection, and great travel and purchase insurance.

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 Travel Rewards Card For Groceries & Entertainment

Scotiabank Gold American Express® Card
Scotiabank Gold American Express Card

If you want to earn rewards towards travel on your grocery, dining, and entertainment spend, you'll want to heavily consider the Scotiabank Gold American Express Card.

This card earns 5X Scotia Rewards Points on grocery, restaurant, and entertainment purchases, 3X on gas, daily transit, and select streaming services, and 1X on all other purchases. Points can easily be redeemed for 1 cent in value towards travel.

Another big plus to the card is that it has no foreign transaction fees when making international purchases online and when traveling abroad. You'll only have to worry about the exchange rate which can save you a great deal of money.

Other benefits of the Scotiabank Gold American Express Card include Priority Pass membership, access to AMEX Offers, and great insurance coverage including trip cancellation and trip interruption 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%

CIBC Dividend® Visa Infinite Card

Best Cash Back Card For Groceries & Gas
CIBC Dividend® Visa Infinite Card

The CIBC Dividend Visa Infinite Card is great if you're looking for card that covers both groceries and gas.

It earns 4% cash back on gas and grocery purchases, 2% back on transportation, dining, and recurring payments, and 1% back on everything else. Cash back earned with the card can easily be redeemed at anytime through CIBC Online and Mobile Banking.

The card offers up to 10 cents in savings per litre at Chevron, Ultramar and Pioneer gas stations, access to Visa Infinite perks, and valuable insurance coverage.

CIBC Dividend® Visa Infinite Card
CIBC Dividend® Visa Infinite Card
Intro Bonus
View Issuer's Website
Rewards Rate
4%
Earn 4% cash back on gas and grocery purchases.
2%
Earn 2% cash back on transportation, dining and recurring payments.
1%
Earn 1% cash back on everything else.
Main Card Highlights
  • Get your cash back anytime through CIBC Online and Mobile Banking®.
  • Get valuable insurance coverage, including mobile device and emergency travel medical.
  • Save up to 10 cents per litre at Chevron, Ultramar and Pioneer gas stations when you link your card with Journie Rewards.
  • Access hotel benefits, unique dining events and 24-hour complimentary concierge services with the Visa Infinite® program.
  • Minimum Income Requirements: $60,000 Individual / $100,000 Household
Annual Fee
$120 (first year rebated)
Authorized User Fee
$30 per card (first year rebated)
Foreign Transaction Fee
2.5%

Best Cash Back Card For Groceries & Recurring Bills/Subscriptions

Scotia Momentum Visa Infinite Card
Scotia Momentum Visa Infinite Card

If you want to earn big on recurring bill payment and subscription services as well as on groceries, the Scotia Momentum Visa Infinite Card is the best option.

The card earns 4% back on grocery store purchases, recurring bill payments, and subscription purchases, 2% back on gas and daily transit purchases, and 1% back on everything else. Cash back can be redeemed towards purchases made towards the card as well as many options.

Benefits of the card include access to Visa Infinite perks, savings on Avis and Budget car rentals, and several types of insurance including Trip Cancellation and Trip Interruption insurance, Flight Delay Insurance, and Rental Car Collision Loss/Damage Insurance.

Scotia Momentum® Visa Infinite Card
Scotia Momentum® Visa Infinite Card
Intro Bonus
View Issuer's Website
Rewards Rate
4%
Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.
2%
Earn 2% for every $1 you spend on gas purchases and daily transit purchases.
1%
Earn 1% cash back on all other purchases with no cash back limit.
Main Card Highlights
  • Take advantage of Visa Infinite Card benefits such as Visa Infinite Concierge Service, Visa Infinite Hotel Collection, and Visa Infinite Dining and Wine Country program.
  • Save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S. when you pay with your Scotia Momentum® Visa Infinite* Card.
  • Protect your mobile device when you use your card to pay for your new device.
  • Includes 7 types of insurance including Trip Cancellation and Trip Interruption Insurance, Travel Emergency Medical Insurance, Flight Delay Insurance, and Rental Car Collision Loss/Damage Insurance.
Annual Fee
$120 (First-year annual fee waived)
Authorized User Fee
$50 (First-year annual fee waived)
Foreign Transaction Fee
2.5%

Best No-Fee Cash Back Card For Groceries

Tangerine Money-Back Mastercard
Tangerine Money-Back Credit Card

The best no-annual fee cash back credit card on the market for grocery purchases is going to be the Tangerine Money-Back Credit Card.

It earns 2% back on two select categories of your choice in which grocery is one of the options available. You can earn 2% back on a third select category of your choice if you opt to have your rewards deposited into your Tangerine Saving Account.

There's no limit on how much cash back you can earn spending across the card and you can change your 2% categories to fit your spend habits. Overall, the Tangerine Money-Back Credit Card is great to have if you're looking for easy cash back rewards for groceries and other categories.

Tangerine Money-Back Credit Card
Tangerine Money-Back Credit Card
Intro Bonus
Earn an extra 15% back
Rewards Rate
2%
Earn 2% Money-Back Rewards on your everyday purchases in two 2% Money-Back Categories of your choice
2%
Get your Rewards deposited into your Tangerine Savings Account and get a 3rd 2% Money-Back Category.
0.5%
Earn 0.5% Money-Back Rewards on all other purchases.
Main Card Highlights
  • Earn an extra 15% back (up to $150) on up to $1,000 of your everyday purchases in the first 2 months with a Tangerine Money-Back Credit Card.
  • Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
  • Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
  • No limit on the amount of Money-Back Rewards you can earn.
  • Change your 2% Money-Back Categories to suit your spending.
  • Extended warranty and purchase protection.
  • Income Requirement: $15,000/year Individual.
  • Want the same great earnings at no annual fee, but with additional benefits? Check out the Tangerine World Mastercard®.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.5%

Best Card For Loblaw Companies

PC Financial World Elite Mastercard®
PC Financial World Elite Mastercard®

If you primarily show at stores that fall under Loblaw Companies, you'll earn a fantastic rate of return using the PC Financial World Elite Mastercard.

It earns 30X points spent with all 17 Loblaw Companies which includes brands like Loblaws, valu-mart, Shoppers Drug Mart, and Dominion, 30X on PC Travel purchases, 30X points per litre at Esso and Mobil, and 10X everywhere else.

Points can be redeemed towards grocery and drug stores that fall under the Loblaw Company brands at a rate of 10,000 points for a $10 credit.

PC Financial World Elite Mastercard®
PC Financial World Elite Mastercard®
Intro Bonus
View Issuer's Website
Rewards Rate
30X
Earn 30X points per $1 spent with Loblaw companies
30X
Earn 30X points per $1 spent with PC Travel
10X
Earn 10X points per $1 spent on everything else.
Main Card Highlights
  • Earn at least 30 points per litre at Esso and Mobil.
  • Stack your points by linking your PC Optimum™ card and PC Financial® Mastercard®.
  • Earn up to 45 points per $1 at Shoppers Drug Mart when you use your card to earn 30X on top of the 15X you already receive as a member.
  • Earn PC Optimum™ points across many locations and redeem in our grocery and drug stores.
  • No annual fee.
  • Minimum Income Requirements: $80,000 Individual or $150,000 Household
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.5%

Best Credit Cards For Groceries Summary

Credit Card Annual Fee Best For Learn More
American Express Cobalt™ Card $12.99 per month Best Overall Card For Groceries Learn More
Scotiabank Gold American Express® Card $120 Best Travel Rewards Card For Groceries & Entertainment Learn More
CIBC Dividend® Visa Infinite Card $120 (first year rebated) Best Cash Back Card For Groceries & Gas Learn More
Scotia Momentum® Visa Infinite Card $120 (First-year annual fee waived) Best Cash Back Card For Groceries & Recurring Bills/Subscriptions Learn More
Tangerine Money-Back Credit Card $0 Best No-Fee Cash Back Card For Groceries Learn More
PC Financial World Elite Mastercard® $0 Best Card For Loblaw Companies 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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