Best Credit Cards for Groceries in Canada
Last updated:
By CardFinder Editorial Team Affiliate Disclosure
Groceries are one of the biggest recurring expenses for Canadian households. The best grocery credit cards offer 3% to 5% cashback or equivalent points on supermarket purchases, helping you save hundreds of dollars each year. Here are our top picks.
Top 22 Cards
Best No-Fee Cashback
Tangerine Money-Back Credit Card
MastercardTangerine · No annual fee
Earn 10% cashback on purchases
no-feecashbackgroceriesgas
Pros
- +No annual fee ever
- +Choose your own 2% cashback categories
- +Simple and flexible rewards structure
Cons
- –Only 0.50% on non-category spending
- –Mastercard network (fewer airport lounges)
Best for Groceries
Scotiabank Gold American Express Card
AmexScotiabank · $120/year
Earn up to 40,000 Scene+ points
travelgroceriesdiningentertainment
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
Best for Dining
American Express Cobalt Card
AmexAmerican Express · $156/year
Earn up to 30,000 Membership Rewards points
dininggroceriestravelfood-delivery
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
Best Cashback Overall
Scotia Momentum Visa Infinite Card
VisaScotiabank · $120/year
Earn 10% cashback for 3 months
cashbackgroceriesgasdining
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
Best Flat-Rate Cashback
SimplyCash Preferred Card from American Express
AmexAmerican Express · $100/year
cashbackgroceriesgas
Pros
- +Industry-leading 2% flat cashback rate
- +No category restrictions
- +Solid travel insurance
Cons
- –$99.99/year annual fee
- –Amex acceptance limitations
Best Budget Cashback
BMO CashBack Mastercard
MastercardBMO · No annual fee
no-feecashbackgroceries
Pros
- +No annual fee
- +Excellent 3% rate on groceries
- +Good for building credit
Cons
- –Only 0.5% on general purchases
- –No travel benefits
Best No-Fee for Dining
Simplii Financial Cash Back Visa Card
VisaSimplii Financial · No annual fee
Earn 10% cashback for 4 months
no-feecashbackdininggroceries
Pros
- +No annual fee
- +Excellent 4% on dining
- +Good grocery and gas earn rate
Cons
- –Low base earn rate
- –Must have a Simplii account
Best for Gas
CIBC Costco Mastercard
MastercardCIBC · No annual fee
cashbackgasdininggroceries
Pros
- +No annual fee
- +Great earn rates across categories
- +3% on gas and dining
Cons
- –Requires Costco membership
- –Cashback paid as annual certificate
TD Cash Back Visa Infinite Card
VisaTD · $89/year
Earn up to 10% cashback
cashbackgroceriesgasrecurring-bills
Pros
- +Strong 3% on groceries, gas, and bills
- +Cashback deposited automatically
- +Visa Infinite benefits and insurance
Cons
- –$89 annual fee
- –Only 1% on non-bonus spending
CIBC Dividend Visa Infinite Card
VisaCIBC · $99/year
Earn 10% cashback for 4 months
cashbackgroceriesgasdining
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
travelgroceriesdiningtransit
Pros
- +Excellent 5x rate on top categories
- +Flexible redemption options
- +Strong Visa Infinite insurance
Cons
- –$99 annual fee
- –Only 1x on non-bonus spending
National Bank World Elite Mastercard
MastercardNational Bank · $150/year
Earn up to 40,000 bonus points
travelgroceriesdining
Pros
- +Excellent 5x on groceries and dining
- +World Elite Mastercard benefits
- +Good travel insurance
Cons
- –$150 annual fee
- –National Bank less widespread
Best Grocery Cashback
BMO CashBack World Elite Mastercard
MastercardBMO · $120/year
Earn up to 10% cashback for 3 months
cashbackgroceriesgasdining
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
Triangle World Elite Mastercard
MastercardCanadian Tire · No annual fee
no-feegasgroceriescanadian-tire
Pros
- +No annual fee with World Elite benefits
- +4% at Canadian Tire family stores
- +Good gas earn at Petro-Canada/Gas+
Cons
- –CT Money has limited redemption (Canadian Tire stores)
- –$80,000 household income for WE tier
PC Financial World Elite Mastercard
MastercardPC Financial · No annual fee
no-feegroceriesgas
Pros
- +No annual fee
- +High earn rate at Shoppers Drug Mart
- +Great for Loblaws/No Frills shoppers
Cons
- –Points only redeemable at Loblaw stores
- –$80,000 household income requirement
RBC Cash Back Mastercard
MastercardRBC · No annual fee
no-feecashbackgroceries
Pros
- +No annual fee
- +2% on groceries is competitive for a free card
- +Mastercard acceptance everywhere
Cons
- –Only 0.5% on non-grocery spending
- –No travel insurance
BMO AIR MILES World Elite Mastercard
MastercardBMO · $120/year
Earn 3,000 bonus AIR MILES
travelair-milesgroceries
Pros
- +Strong AIR MILES earn rates
- +Good grocery earn rate
- +Comprehensive travel insurance
Cons
- –$120/year annual fee
- –AIR MILES devaluation concerns
BMO Ascend World Elite Mastercard
MastercardBMO · $150/year
Earn 60,000 BMO Rewards points
travelpointsdininggroceries
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
Scotia Momentum No-Fee Visa Card
VisaScotiabank · No annual fee
cashbackno-feegroceries
Pros
- +No annual fee
- +Decent grocery and bills earn rate
- +Visa acceptance everywhere
Cons
- –Low base cashback rate (0.5%)
- –No travel insurance
PC Financial Mastercard
MastercardPC Financial · No annual fee
no-feegroceriespoints
Pros
- +No annual fee
- +Strong earn rate at Loblaws/Shoppers Drug Mart
- +Integrates with PC Optimum program
Cons
- –Points only for Loblaws/Shoppers redemption
- –Low earn rate outside PC stores
CIBC Dividend Visa Card
VisaCIBC · No annual fee
cashbackno-feegroceries
Pros
- +No annual fee
- +1% on groceries and gas
- +Visa acceptance
Cons
- –Only 0.5% on other spending
- –Lower tier than Dividend Infinite
TD Cash Back Visa Card
VisaTD · No annual fee
cashbackno-feegroceriesgas
Pros
- +No annual fee
- +1% on groceries and gas
- +TD banking integration
Cons
- –Only 0.5% on other spending
- –Outperformed by Tangerine Money-Back
Quick Comparison
| Card | Annual Fee | Network | Groceries | Gas | Dining | Travel | Welcome Bonus | |
|---|---|---|---|---|---|---|---|---|
| Tangerine Money-Back Credit Card | No annual fee | mastercard | 2x | 2x | 2x | 0.5x | Earn 10% cashback on purchases | Apply |
| 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 |
| SimplyCash Preferred Card from American Express | $100/year | amex | 2x | 2x | 2x | 2x | — | Apply |
| BMO CashBack Mastercard | No annual fee | mastercard | 3x | 0.5x | 0.5x | 0.5x | — | 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 |
| TD Cash Back Visa Infinite Card | $89/year | visa | 3x | 3x | 1x | 1x | Earn up to 10% cashback | 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 |
| 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 |
| Triangle World Elite Mastercard | No annual fee | mastercard | 1.5x | 4x | 1x | 1x | — | Apply |
| PC Financial World Elite Mastercard | No annual fee | mastercard | 3x | 1x | 1x | 1x | — | Apply |
| RBC Cash Back Mastercard | No annual fee | mastercard | 2x | 0.5x | 0.5x | 0.5x | — | Apply |
| BMO AIR MILES World Elite Mastercard | $120/year | mastercard | 1x | 0.6x | 0.6x | 0.6x | Earn 3,000 bonus AIR MILES | Apply |
| BMO Ascend World Elite Mastercard | $150/year | mastercard | 5x | 3x | 5x | 3x | Earn 60,000 BMO Rewards points | Apply |
| Scotia Momentum No-Fee Visa Card | No annual fee | visa | 1x | 0.5x | 0.5x | 0.5x | — | Apply |
| PC Financial Mastercard | No annual fee | mastercard | 1x | 0.5x | 0.5x | 0.5x | — | Apply |
| CIBC Dividend Visa Card | No annual fee | visa | 1x | 1x | 0.5x | 0.5x | — | Apply |
| TD Cash Back Visa Card | No annual fee | visa | 1x | 1x | 0.5x | 0.5x | — | Apply |
How We Chose These Cards
We ranked cards by their grocery earn rates, factoring in annual fees to determine the true net value. Cards that offer premium grocery rewards without excessive fees scored highest.
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.