70,000 Marriott Bonvoy Points + 5X Points on Eligible Travel & Gas
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Best Credit Cards for Groceries in Canada

The Best Credit Cards For Groceries

These cards are ideal if you have a lot of spending at the grocery store.

Here is a table summarizing the different offers. For more details, read on or click on the name of a card.

American Express Cobalt® Card

The American Express Cobalt™ Card is the best credit card from American Express, whether you want points for travel or cashback.

The welcome bonus is distributed monthly for the first 12 months. You earn 2,500 Membership Rewards points for every $500 in purchases charged to your card during the month (whether in the 1X, 2X, 3X or 5X category). That’s up to 30,000 Membership Rewards points.

Plus, you can earn a Welcome Bonus of 20,000 Membership Rewards points when you spend a total of $3,000 in purchases on your Card in your first 3 months of Cardmembership. That’s up to 50,000 Membership Rewards points as a welcome bonus!

You can easily use these points as statement credits for everyday or travel purchases. The value is the same for both: 1,000 points = $10. Or, you can transfer your points to Aeroplan, Marriott Bonvoy, or Hilton Honors.

With the American Express Cobalt™ Card, you can earn between 1 and 5 points per dollar:

Category Points per dollar
Grocery 5
Food delivery 5
Restaurants and bars 5
Convenience stores 5
Streaming subscriptions 3
Gas station 2
Gas & Transit 2
Travel 2
Other 1

This is a 1 to 5% return on all these purchases.

In addition, this card provides excellent insurance coverage: car rental theft and damage, baggage delay, lost or stolen baggage, flight delay, $250,000 travel accident, hotel or motel burglary, Mobile Device Insurance, Extended Warranty, Purchase Protection Insurance.

Find out in this article how to optimize the welcome bonus to get 87,500 points with your current spending.

BMO® CashBack® World Elite®* Mastercard®*

The BMO® CashBack® World Elite®* Mastercard®* is one of the best Cash Back Mastercard in Canada.

Currently, you will get 10% cash back on all your purchases during the first 3 months for a limited time. Besides, the $120 annual fee is waived in the first year!

With the BMO® CashBack® World Elite®* Mastercard®*, you earn between 2% and 5% cash back on many spending categories:

  • 5% on grocery purchases (on the first $500 you spend monthly)
  • 4% on transit (on the first $300 you spend monthly)
  • 3% on gas and electric vehicle charging (on the first $300 you spend monthly)
  • 2% on recurring bill payments (on the first $500 you spend monthly)

Everywhere else, you’ll earn 1% cash back, including at Costco.

BMO eclipse Visa Infinite* Card

When you apply for our exclusive offer on the BMO eclipse Visa Infinite* Card, you can earn up to 60,000 BMO Rewards points and have the$120 annual fee waived for the first year:

  • 45,000 points after $3,000 in Card purchases within the first three months
  • An additional 15,000 BMO Rewards points anniversary bonus 12 months after the Credit Card account open date

You will also receive a $50 statement credit each calendar year to spend however you want.

With the New BMO eclipse Visa Infinite* Card, you can earn 5x the BMO Rewards points for every $1 spent on:

  • Groceries
  • Dining
  • Food delivery
  • Gas
  • Transit

And 1 BMO Rewards point for every $1 spent on everything else.

Plus, if you add an authorized user to your account, you’ll earn 10% more points.

Scotiabank Gold American Express® Card

Scotiabank Gold American Express® Card only requires a $12,000 minimum income and is therefore accessible to as many people as possible.

For a limited time, you can earn up to 50,000 points in the first year, which is a $500 value for travel including Airbnb. And the first-year is free!

With the Scotiabank Gold American Express® Card, you earn 5 points per dollar for:

  • grocery stores
  • Restaurants
  • Entertainment

You can redeem your points on travel purchases (flights, hotels, all-inclusive and even Airbnb).

The Scotiabank Gold American Express® Card is a no foreign transaction fee card. It has Premium travel and purchase insurance, Concierge services, Exclusive Benefits American Express (Front of the Line Program).

CIBC Dividend® Visa Infinite* Card

The CIBC Dividend® Visa Infinite* Card is one of the best Visa credit cards with cash back in Canada. The minimum annual income required for this card is $60,000 (personal) or $100,000 (household).

With this Card, you earn:

  • 4% cash back on eligible gas and groceries purchases
  • 2% cash back on eligible transportation, dining purchases and recurring payments
  • 1% on all other purchases

Currently, you will get 10% cash back for the first 4 statements on total purchases of up to $2,000. And you’ll get a first-year annual fee rebate!

And this card has comprehensive insurance:

  • Auto Rental Collision/Loss Damage Insurance
  • $500,000 Common Carrier Accident Insurance
  • Flight Delay and Baggage Insurance
  • Trip Interruption Insurance
  • Out-of-Province Emergency Travel Medical Insurance
  • Purchase Security and Extended Protection Insurance

American Express® AIR MILES®* Platinum Credit Card

With the American Express® AIR MILES®* Platinum Credit Card, you can earn a welcome bonus of 2,000 AIR MILES Bonus Miles. That’s enough to redeem for $210 towards your purchases with AIR MILES Cash.

With this credit card, you can earn 1 Mile for every $5 in Card purchases in:

  • grocery stores
  • Gas stations
  • restaurants and bars
  • Transit

Besides, you get an annual travel credit.

BMO® CashBack® Mastercard®*

The BMO® CashBack® Mastercard®* is a cash back credit card with no annual fee.

With this card, you can get 5% cash back in your first 3 months. It’s a maximum welcome bonus of $100.

Then you get:

  • 3% cash back on grocery purchases, including at Walmart Supercenters
  • 1% cash back on recurring bill payments

Finally, you can also get a 1.99% introductory interest rate on Balance Transfers for 9 months.

Other great offers

Frequent Asked Questions about credit cards

Here are frequently asked questions in the milesopedia community about credit cards in Canada.