Best Credit Cards for Dining in Canada
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If you eat out regularly or order food delivery, a credit card with bonus rewards on dining can provide serious value. The best dining credit cards in Canada offer up to 5x points or 4% cashback at restaurants, bars, and food delivery services.
Top 11 Cards
Scotiabank Gold American Express Card
AmexScotiabank · $120/year
Earn up to 40,000 Scene+ points
Pros
- +Exceptional earn rate on everyday spending
- +Scene+ points are versatile (travel, movies, groceries)
- +Strong welcome bonus
Cons
- –$120 annual fee
- –American Express not accepted everywhere
American Express Cobalt Card
AmexAmerican Express · $156/year
Earn up to 30,000 Membership Rewards points
Pros
- +Industry-leading 5x on dining and food delivery
- +Monthly fee structure is easier to manage
- +Amex Membership Rewards points are very flexible
Cons
- –Annual fee of ~$156
- –Amex not accepted everywhere in Canada
Scotia Momentum Visa Infinite Card
VisaScotiabank · $120/year
Earn 10% cashback for 3 months
Pros
- +Excellent 4% grocery cashback rate
- +Good coverage across categories
- +Visa Infinite benefits and insurance
Cons
- –$120 annual fee
- –Need to spend enough on groceries to offset fee
Simplii Financial Cash Back Visa Card
VisaSimplii Financial · No annual fee
Earn 10% cashback for 4 months
Pros
- +No annual fee
- +Excellent 4% on dining
- +Good grocery and gas earn rate
Cons
- –Low base earn rate
- –Must have a Simplii account
CIBC Costco Mastercard
MastercardCIBC · No annual fee
Pros
- +No annual fee
- +Great earn rates across categories
- +3% on gas and dining
Cons
- –Requires Costco membership
- –Cashback paid as annual certificate
CIBC Dividend Visa Infinite Card
VisaCIBC · $99/year
Earn 10% cashback for 4 months
Pros
- +Excellent 4% on groceries and gas
- +2% on dining and transit
- +Visa Infinite insurance and perks
Cons
- –$99 annual fee
- –Only 1% base rate
BMO Eclipse Visa Infinite Card
VisaBMO · $99/year
Earn up to 50,000 BMO Rewards points
Pros
- +Excellent 5x rate on top categories
- +Flexible redemption options
- +Strong Visa Infinite insurance
Cons
- –$99 annual fee
- –Only 1x on non-bonus spending
Scotiabank Passport Visa Infinite Card
VisaScotiabank · $150/year
Earn up to 40,000 Scene+ points
Pros
- +No foreign transaction fees (saves 2.5%)
- +Strong earn rates across categories
- +Scene+ points are versatile
Cons
- –$150 annual fee
- –$60,000 minimum income
National Bank World Elite Mastercard
MastercardNational Bank · $150/year
Earn up to 40,000 bonus points
Pros
- +Excellent 5x on groceries and dining
- +World Elite Mastercard benefits
- +Good travel insurance
Cons
- –$150 annual fee
- –National Bank less widespread
BMO CashBack World Elite Mastercard
MastercardBMO · $120/year
Earn up to 10% cashback for 3 months
Pros
- +Top-tier 5% grocery cashback
- +Strong earn across all daily categories
- +Works at Costco (Mastercard)
Cons
- –$120 annual fee
- –$80,000 household income requirement
BMO Ascend World Elite Mastercard
MastercardBMO · $150/year
Earn 60,000 BMO Rewards points
Pros
- +5x on dining and groceries is excellent
- +3x on travel, gas, transit
- +Mastercard works at Costco
Cons
- –$150/year annual fee
- –BMO Rewards less flexible than Aeroplan
Quick Comparison
| Card | Annual Fee | Network | Groceries | Gas | Dining | Travel | Welcome Bonus | |
|---|---|---|---|---|---|---|---|---|
| Scotiabank Gold American Express Card | $120/year | amex | 5x | 3x | 5x | 1x | Earn up to 40,000 Scene+ points | Apply |
| American Express Cobalt Card | $156/year | amex | 5x | 2x | 5x | 2x | Earn up to 30,000 Membership Rewards points | Apply |
| Scotia Momentum Visa Infinite Card | $120/year | visa | 4x | 2x | 1x | 1x | Earn 10% cashback for 3 months | Apply |
| Simplii Financial Cash Back Visa Card | No annual fee | visa | 1.5x | 1.5x | 4x | 0.5x | Earn 10% cashback for 4 months | Apply |
| CIBC Costco Mastercard | No annual fee | mastercard | 2x | 3x | 3x | 2x | — | Apply |
| CIBC Dividend Visa Infinite Card | $99/year | visa | 4x | 4x | 2x | 1x | Earn 10% cashback for 4 months | Apply |
| BMO Eclipse Visa Infinite Card | $99/year | visa | 5x | 1x | 5x | 1x | Earn up to 50,000 BMO Rewards points | Apply |
| Scotiabank Passport Visa Infinite Card | $150/year | visa | 2x | 1x | 3x | 1x | Earn up to 40,000 Scene+ points | Apply |
| National Bank World Elite Mastercard | $150/year | mastercard | 5x | 1x | 5x | 1x | Earn up to 40,000 bonus points | Apply |
| BMO CashBack World Elite Mastercard | $120/year | mastercard | 5x | 3x | 3x | 1x | Earn up to 10% cashback for 3 months | Apply |
| BMO Ascend World Elite Mastercard | $150/year | mastercard | 5x | 3x | 5x | 3x | Earn 60,000 BMO Rewards points | Apply |
How We Chose These Cards
We ranked dining cards based on their restaurant and food delivery earn rates, considering both the rewards value and annual fees to determine the best net return.
We rank cards based on category fit, fees, and commonly used perks. Learn more about our methodology.
Related Resources
Offers and terms can change. Always confirm details on the issuer's website before applying. We are not a bank.