Best Grocery Credit Cards Canada - Calculate Rewards & Compare

October 2022
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.
Last Updated 2022-02-24

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 For Flexible Travel Rewards
American Express Cobalt™ Card
American Express Cobalt™ Card
Annual Fee: $12.99 per month
Rewards Rate
5X
Earn 5X points at restaurants and grocery stores including food delivery
3X
Earn 3X points on streaming subscriptions
2X
Earn 2X points on gas, travel, and transit
1X
Earn 1X points on everything else
Up To 30,000 Points
In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in purchases on your Card. This could add up to 30,000 points in a year.
Best For No Foreign Transaction Fee
Scotiabank Gold American Express® Card
Scotiabank Gold American Express® Card
Annual Fee: $120
Rewards Rate
5X
Earn 5X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions.
5X
Earn 5X Scene+ points for every $1 CAD spent on eligible entertainment purchases. Includes movies, theatre, and ticket agencies.
3X
Earn 3X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more.
3X
Earn 3X Scene+ points for every $1 CAD spent on eligible select streaming services.
1X
Earn 1X Scene+ point for every $1 spent on every other purchase.
40,000 bonus Scene+ points
Earn 20,000 bonus Scene+ points by making at least $1,000 in everyday eligible purchases in your first 3 months from account opening. Plus, for a limited time, you are eligible to earn a 20,000 Scene+ point bonus when you spend at least $7,500 in everyday eligible purchases in your first year.
Best For Groceries & Gas
CIBC Dividend® Visa Infinite Card
CIBC Dividend® Visa Infinite Card
Annual Fee: $120 (first year rebated)
Rewards Rate
4%
Earn 4% cash back on eligible gas and groceries
2%
Earn 2% cash back on eligible transportation, dining and recurring payments
1%
Earn 1% cash back on all other eligible purchases
Best For Groceries & Recurring Bills/Subscriptions
Scotia Momentum® Visa Infinite Card
Scotia Momentum® Visa Infinite Card
Annual Fee: $120
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.
Best For No Annual Fee
Annual Fee: $0
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.
Earn 15% Back
Earn an extra 15% back (up to $150) when you spend up to $1,000 in everyday purchases within your first 2 months.
Best For Loblaw Companies
PC Financial World Elite Mastercard®
PC Financial World Elite Mastercard®
Annual Fee: $0
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.

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 For Flexible Travel Rewards

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.

Best For No Foreign Transaction Fee

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.

CIBC Dividend® Visa Infinite Card

Best 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.

Best 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.

Best For No Annual Fee

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.

Best 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.

Best Credit Cards For Groceries Summary

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

Best Credit Cards By Spend Calculator

Use this calculator to find out which credit cards in Canada will give you the best return on your grocery 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.

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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.

All spend entered in the fields above will carry over to every credit card rewards calculator on the site so there's no need to re-enter spend.