Best Credit Cards For Grocery | July 2026

Q: What is the best credit card for Costco?

The best credit card for Costco is the Neo World Elite® Mastercard - Everywhere, which offers 2% cash back on all purchases.Check out the best Costco credit card offers.

The Best Credit Cards for Groceries - July 2026

One of the best grocery cards is the American Express Cobalt Card: it earns 5% (5 points per dollar) where American Express is accepted, such as IGA and Sobeys. At $800 in groceries per month, this represents approximately $480 per year.

Where American Express is not accepted (Loblaw, Maxi, Provigo), the CIBC Dividend^® Visa Infinite* Card takes over with 4% back on groceries.

These credit cards are ideal if you spend a lot of money on groceries:

Card	Earn per $	Value in %
Scotiabank Gold American Express^® Card (at IGA/Sobeys)	6 points	6 %
American Express Cobalt^® Card	5 points	5 %
Scotiabank Gold American Express^® Card	5 points	5 %
Neo World Elite^® Mastercard – Gas & Grocery	5 %	5 %
BMO CashBack^® World Elite^®* Mastercard^®*	5 %	5 %
National Bank World Elite Mastercard	5 points	4,5 %
MBNA Rewards World Elite^® Mastercard^®	5 points	4,15 %
CIBC Dividend^® Visa Infinite* Card	4 %	4 %
Scotia Momentum^® VISA Infinite +* Card	4 %	4 %
SimplyCash^® Preferred Card from American Express	4 %	4 %
BMO eclipse Visa Infinite* Card	5 points	3,35 %
Scotiabank Passport Visa Infinite +* Card (at IGA/Sobeys)	3 points	3 %
RBC ION+ Visa Card	3 points	3 %
PC World Elite Mastercard (at Loblaw grocery stores)	30 points	3 %

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

Read on for our tips on how to save at the grocery store:

American Express Cobalt^® Card

The American Express Cobalt^® Card is the best credit card from American Express, whether you want points for travel or cash back.

The welcome bonus is distributed monthly for the first 12 months. You’ll earn 1,250 Membership Rewards points for every $750 in purchases charged to your card during the month (whether in the 1X, 2X, 3X or 5X category). That’s up to 15,000 Membership Rewards points.

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.

Alternatively, transfer them to Aeroplan points, Avios (British Airways/Qatar Airways), Flying Blue, Marriott Bonvoy, or Hilton Honors.

For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to:

15,000 Aeroplan points
15,000 Avios points
15,000 Flying Blue Miles
18,000 Marriott Bonvoy points

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

Category	Points per dollar
Grocery (Métro, IGA, Sobeys, Super C, etc.)	5
Home food delivery	5
Restaurants and bars	5
Convenience stores	5
Streaming services	3
Service station	2
Transport	2
Travel	1
Other	1

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

For example, if you spend $1,000 per month on groceries and/or restaurants and/or food delivery, you’ll earn $50 cash back per month, or $600 cash back per year with this card for this category of purchases!

And if you decide to transfer your points to other programs like Aeroplan, you could get even more value!

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

Like all American Express Canada Cards, there is no minimum income requirement.

National Bank World Elite Mastercard

With Milesopedia, enjoy an exclusive offer: your first-year annual fee is refunded with the National Bank World Elite Mastercard. This offer is exclusively available through the Milesopedia network, from June 30 to November 4, 2026.

First-year annual fee rebate (a $150 value) for the primary cardholder. The fee is charged to your new card account, then reimbursed as a credit on your statement within five months of opening your account, provided it remains open and in good standing.

The National Bank World Elite Mastercard is the best Mastercard credit card offered by NBC.

With this card, you earn up to 5 points per dollar on your purchases:

5 points per dollar for groceries and restaurants
2 points per dollar on gas and electric recharge purchases
2 points per dollar on recurring bills
2 points per dollar on À la carte Travel
1 point per dollar for all other purchases

And since it’s an NBC mycredit Mastercard, you can use it at Costco.

With this card, you have access to a $150 annual travel credit that you can use in any of these categories:

Airport parking
Baggage fees
Seat selection
Access to Airport Lounges
Flight upgrades

What’s more, you can enjoy access to DragonPass airport lounges and unlimited access to the National Bank Lounge at Montreal-Trudeau.

Finally, Milesopedia has named the National Bank World Elite Mastercard as the Best Travel Credit Card in 2023, 2024, 2025, and 2026.

American Express Cobalt^® Card

The American Express Cobalt^® Card is the best credit card from American Express, whether you want points for travel or cash back.

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.

Alternatively, transfer them to Aeroplan points, Avios (British Airways/Qatar Airways), Flying Blue, Marriott Bonvoy, or Hilton Honors.

For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to:

15,000 Aeroplan points
15,000 Avios points
15,000 Flying Blue Miles
18,000 Marriott Bonvoy points

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

Category	Points per dollar
Grocery (Métro, IGA, Sobeys, Super C, etc.)	5
Home food delivery	5
Restaurants and bars	5
Convenience stores	5
Streaming services	3
Service station	2
Transport	2
Travel	1
Other	1

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

And if you decide to transfer your points to other programs like Aeroplan, you could get even more value!

Like all American Express Canada Cards, there is no minimum income requirement.

Neo World Elite^® Mastercard – Gas & Grocery

Maximize your rewards with the Neo World Elite^® Mastercard – Gas & Grocery. Earn up to 5% cash back on groceries, 4% on recurring payments, 3% on gas and electric vehicle charging, and 1% on everything else.

Benefit from comprehensive insurance coverage, including extended warranty, purchase protection, and travel insurance. In addition, receive a DragonPass membership for access to airport lounges worldwide.

With an instant credit limit of up to $30,000 and additional cash back at over 10,000 Neo partners, your essential spending becomes more rewarding.

Travel insurance is not available to Quebec residents. DragonPass membership is included; fees apply for each lounge visit.

MBNA Rewards World Elite^® Mastercard^®

With the MBNA Rewards World Elite^® Mastercard^®, you can earn 5 points per dollar of purchases for:

Dining
Grocery purchases
Digital media purchases (Netflix, Spotify, etc.)
Memberships
Household utility purchases (electricity, etc.)

Everywhere else, you will get 1 point per dollar.

Enough to make the MBNA Rewards World Elite Mastercard the best MBNA credit card for restaurants, groceries, digital media, subscriptions and household utilities.

Knowing that Mastercard recognizes Walmart Supercenters as grocery stores, this is the best credit card for Walmart customers!

Plus, depending on your province of residence, you’ll get a welcome bonus of between 20,000 and 30,000 points, a value of $200 to $300!

And each year, you will receive Birthday Bonus Points equal to 10% of the total number of Points the Account earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 15,000 Points.

Scotia Momentum^® Visa Infinite +* Card

The Scotia Momentum^® VISA Infinite +* card is recognized, year after year, as one of the best cash back credit cards in Canada. Milesopedia has even named it best cash back credit card in 2026.

Currently, thanks to this promotional offer, the Scotia Momentum Visa Infinite +* Card has no annual fee for the first year, including on additional cards. And you can get 15% cash back on all your purchases for the first three months (up to $2,000 in total purchases).

It also includes a new convenient benefit for travellers: enjoy 10 GB of free GigSky global mobile data for 15 days, as well as access to Travel Essentials to use essential apps like messaging, maps, and email while on the go. Cardholders also continue to receive 1 GB of free GigSky mobile data per year, plus a 20% discount on future GigSky purchases.

With the Scotia Momentum^® VISA Infinite +* card, you get:

4% cash back on grocery purchases and recurring payments
2% cash back on gas purchases, public transit, carpooling, and food delivery
1% cash back on all other purchases

For example, if you spend $1,000 per month on grocery purchases and/or recurring payments, you will get $40 cash back per month, or $480 per year, with this card, for this purchase category. And that’s not counting the other purchases you make with this card and the benefits it offers (including its excellent insurance coverage).

If you are a renter, you could, for example, use the Scotia Momentum Visa Infinite Card on the Chexy site to pay your rent and get 4% cash back.

Also note that you can use your cash back at any time (the cash back balance must be at least $25).

CIBC Dividend^® Visa Infinite* Card

The CIBC Dividend^® Visa Infinite* Card is one of Canada’s best Visa cash back credit cards.

With this offer, get up to $400 in value:

A 10% cash back welcome bonus of up to $250 (first 4 statements)
A $50 cash back when setting up a pre-authorized payment (first 4 months)
A first year annual fee rebate (worth $120)

With this CIBC cash back credit card, you earn:

4% cash back on eligible gas, electric vehicle charging, and grocery purchases^†
2% cash back on eligible transportation and dining purchases and on eligible recurring bill payments^†
1% cash back on all other purchases^†

For example, if you spend $1,000 per month on groceries and/or gas and/or electric vehicle charging, you’ll earn $40 cash back per month or $480 cash back per year with this card for this category of purchases!

This CIBC cash back credit card offers many insurance coverages:

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

BMO CashBack^® World Elite^®* Mastercard^®*

BMO CashBack^{^®} World Elite^{^®*} Mastercard^{^®*} is one of Canada’s best cash back Mastercard credit cards.

Right now, you can get up to $650 in value, including $40 cash back each month in your first year. Plus, you won’t have to pay the $139 annual fee in the first year.

Additionally, you benefit from a 0% introductory interest rate on balance transfers for 12 months, as well as a 2% balance transfer fee.

With the BMO CashBack^{^®} World Elite^{^®*} Mastercard^{^®*}, you get great cash back rates in the categories that matter most:

5% on groceries*
4% on transit including ride sharing, taxis and public transportation*
3% on gas and electric vehicle charging*
2% on recurring bill payments*
1% cash back on all other purchases, with no limit on the amount of cash back you can earn*

You also enjoy practical benefits like free membership in Mastercard Travel Pass provided by DragonPass, free roadside assistance services, discounts on car rentals with National, Alamo and Enterprise, as well as comprehensive travel and purchase insurance coverage.

Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.

SimplyCash^® Preferred Card from American Express

The SimplyCash^® Preferred Card from American Express is the only credit card in Canada that offers 2% cash back on all purchases. In addition, you can get:

4% cash back at gas stations
4% cash back at grocery stores

With this welcome offer, you can get 10% cash back on all your purchases (up to $2,000) during the first 3 months, for a total of up to $200. Plus, receive a $50 credit on your account after making a purchase in the 13th month.

The SimplyCash^® Preferred Card from American Express is particularly popular with those who have significant purchases to make: renovations, furniture or appliance purchases, as it offers 2% at all merchants.

This Card stands out for the numerous insurances offered: car rental theft and damage, $100,000 travel accident, emergency medical expenses (outside the province or country), lost or stolen baggage, flight delay and misdirected baggage, hotel or motel burglary, Purchase Protection, Buyer’s Assurance.

Like all American Express Canada Cards, there is no minimum income requirement.

Scotiabank Passport^® Visa Infinite +* Card

With this welcome offer for the Scotiabank Visa Infinite ^+* Passport^MC Card, you get up to 60,000 Scene+ points as a welcome bonus (a value of $600):

40,000 points after $2,000 in purchases within the first three months
10,000 points after $10,000 in purchases within the first six months
10,000 points after $40,000 in purchases in the first year

Then, each year, if you make at least $40,000 in purchases on the card, you’ll earn an annual bonus of at least 10,000 points, which represents a $100 value.

With the Scotiabank Visa Infinite +* Passport^MD Card, you earn 3 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà par IGA, Voilà by Safeway, Chalo! grocery stores. FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

You also earn 2 points per dollar spent, including on foreign purchases, in the following categories:

Grocery shopping
Restaurants
Entertainment centers
Transit

The Scotiabank Visa Infinite +* Passport^MD Card is an excellent Visa credit card for these types of purchases.

These points can be used for any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusive packages, and even Airbnb). You can also redeem your points as cash back with Scene+, for example, at your grocery store checkout at the same rate of 1,000 points = $10.

The Scotiabank Visa Infinite +* Passport^MD Card also offers:

No fees for foreign currency transactions
Get value of up to 10¢/L on your fuel purchases at Shell
6 access to VIP airport lounges
Excellent insurance for your travels and purchases
Concierge service
Travel with confidence with 10 GB of free GigSky global mobile data for 15 days, plus access to GigSky Travel Essentials for essential apps on the go.
Cardholders also receive a free 1 GB/15-day GigSky global mobile data package annually, plus a 20% discount on future GigSky purchases.

We have named this credit card the Best Credit Card with No Foreign Transaction Fees in 2024, 2025, and 2026.

PC^® World Elite^® Mastercard^®

The PC World Elite Mastercard currently offers a 20,000 PC Optimum points welcome bonus after spending $50 in the first two months, with no annual fee. With this Card:

4.5% back in points at Shoppers Drug Mart^{^®} and Pharmaprix^{^®5}
Get 3% back in points at Loblaw banner grocery stores including Loblaws^{^®}, No Frills^{^®}, Real Canadian Superstore^{^®}, Maxi^{^®} and at Joe Fresh.
At least 3¢ per litre back in points on fuel at Esso and Mobil
1% back in points per dollar spent everywhere else

This means you get between 1% and 4.5% back on your purchases made at PC Optimum stores. You can then use your points for discounts at checkout or convert them into $7 credit per 10,000 points directly on your card balance.

Additionally, this card includes travel medical insurance, rental car collision insurance, a concierge service, and 90-day purchase assurance—rare benefits for a no-annual-fee card.

BMO eclipse Visa Infinite* Card

The BMO eclipse Visa Infinite* Card is one of the best Visa Infinite rewards credit cards in Canada. With our welcome offer, you can get up to 70,000 BMO Rewards points.

Here’s how to earn the welcome offer points:

30,000 welcome points when you spend $4,000 in the first 110 days*
20,000 bonus points when you spend $7,000 in the first 180 days*
20,000 bonus points when you spend $12,000 in the first 12 months*

Plus, enjoy a monthly statement credit for streaming services, a $50 annual lifestyle credit, and no annual fee for the first year.

With the BMO eclipse Visa Infinite* Card, you also get:

5x BMO Rewards points for every dollar spent on groceries, meal delivery or takeout, rideshare, public transit, and gas*
1 BMO Rewards point for every dollar spent on all other purchases*
10% more points when you add an authorized user to your account*
Mobile device insurance offering coverage up to $1,000*
The Pay with Points feature, which allows you to redeem your points on recent purchases starting at $1*
Six months of Instacart+ membership plus a monthly $10 Instacart credit with an eligible card*

RBC ION+ Visa Card

With the RBC ION+ Visa Card, get up to 28,000 Avion points^{^}, which is a value of up to $200 in gift cards^†. Apply by November 4, 2026.

This offer includes:

7,000 Avion points upon approval^{^}
14,000 additional Avion points when you charge at least $1,500 in eligible purchases to your account within the first 6 months^{^}
7,000 anniversary Avion points^{^}

This RBC credit card allows you to earn 3X the Avion points per dollar on the following categories¹:

Groceries, restaurants and meal delivery
Transportation, gas and electric vehicle charging
Streaming, digital games, and subscriptions

You also earn 1 Avion point per dollar on all other eligible purchases¹.

Plus, save 3¢ per litre on fuel at Petro-Canada and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card⁴.

Finally, benefit from mobile device insurance³ providing two years of protection, up to $1,000, in the event of loss, theft, accidental damage, or breakdown of your mobile device purchased with the card.

CIBC Dividend Platinum^® Visa* Card

If you don’t meet the income requirements for the CIBC Dividend^® Visa Infinite* Card, you could apply for the CIBC Dividend^® Platinum Visa* Card. The minimum annual income required for this card is $15,000 (household).

With this offer, get up to $400 in value:

A 10% cash back welcome bonus of up to $250 (first 4 statements)
A $50 cash back when setting up a pre-authorized payment (first 4 months)
A first-year annual fee rebate (value of $99)

With the CIBC Dividend^® Platinum Visa* Card, you get:

3% on eligible gas, electric vehicle charging, and grocery purchases^†
2% cash back on eligible transportation and dining purchases and on eligible recurring bill payments^†
1% cash back on all other purchases^†

And this CIBC Cash Back Credit Card offers some insurance coverage:

Auto Rental Collision/Loss Damage Insurance
$500,000 Common Carrier Accident Insurance
Purchase Security and Extended Protection Insurance

BMO CashBack^® Mastercard^®*

The BMO CashBack Mastercard is a no-annual-fee, cash-back credit card. With the BMO CashBack Mastercard, you can earn 5% cash back for the first three months. This represents a maximum welcome bonus of $125 :

5% cash back on up to $500 in eligible grocery purchases, for a $25 bonus
5% cash back on up to $500 in eligible recurring bill payments, for a $25 bonus
5% cash back on up to $1,500 in all other eligible purchases, for a $75 bonus

Then you get a cash back rate of:

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

You can also get a 0.99% welcome interest rate on balance transfers for nine months.

Finally, enjoy three months of Instacart+ membership and a $5 monthly Instacart credit when you sign up with your eligible BMO credit card.

Frequent Asked Questions about credit cards

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

What is the best credit card for groceries?

There are several excellent credit cards for grocery shopping including:

American Express Cobalt^® Card: 5 points per dollar
MBNA Rewards World Elite^® Mastercard^®: 5 points per dollar.
National Bank’s World Elite Mastercard^®: 5 points per dollar
Scotiabank Gold American Express^® Card: 5 points per dollar
Neo World Elite^® Mastercard – Gas and groceries: 5% per dollar
CIBC Dividend^® Visa Infinite* Card: 4% per dollar
Scotia Momentum^® VISA Infinite +* card: 4% per dollar
SimplyCash^® Preferred Card from American Express: 4% per dollar

Which grocery stores accept American Express?

Many grocery banners accept American Express credit cards, such as Metro, Super C, IGA, Sobeys, Safeway, Walmart.

You can use one of these American Express credit cards to earn points or cash back on your grocery purchases:

American Express Cobalt^® Card: 5 points per dollar
Scotiabank Gold American Express^® Card: 5 points per dollar
SimplyCash^® Preferred Card from American Express: 4% per dollar

What is the best credit card for IGA or Sobeys?

There are several excellent credit cards for IGA or Sobeys grocery stores:

Scotiabank Gold American Express^® Card: 6 points per dollar
American Express Cobalt^® Card: 5 points per dollar
MBNA Rewards World Elite^® Mastercard^®: 5 points per dollar.
National Bank’s World Elite Mastercard^®: 5 points per dollar
Neo World Elite^® Mastercard – Gas and groceries: 5% per dollar
CIBC Dividend^® Visa Infinite* Card: 4% per dollar
SimplyCash^® Preferred Card from American Express: 4% per dollar
Scotiabank Passport Visa Infinite +* Card: 3 points per dollar

IGA and Sobeys grocery stores accept American Express, Mastercard and Visa credit cards.

What is the best credit card for Metro?

There are several excellent credit cards for Metro grocery stores including:

American Express Cobalt^® Card: 5 points per dollar
Scotiabank Gold American Express^® Card: 5 points per dollar
MBNA Rewards World Elite^® Mastercard^®: 5 points per dollar.
National Bank’s World Elite Mastercard^®: 5 points per dollar
Neo World Elite^® Mastercard – Gas and groceries: 5% per dollar
CIBC Dividend^® Visa Infinite* Card: 4% per dollar
SimplyCash^® Preferred Card from American Express: 4% per dollar

Metro grocery stores accept American Express, Mastercard and Visa credit cards.

What is the best credit card for Provigo?

There are several excellent credit cards for Provigo grocery stores:

National Bank’s World Elite Mastercard^®: 5 points per dollar
BMO CashBack^® World Elite^®* Mastercard^®*: 5% per dollar
MBNA Rewards World Elite^® Mastercard^®: 5 points per dollar.
Neo World Elite^® Mastercard – Gas and groceries: 5% per dollar
CIBC Dividend^® Visa Infinite* Card: 4% per dollar
Scotia Momentum^® VISA Infinite +* card: 4% per dollar
PC World Elite Mastercard: 30 points per dollar
RBC ION+ Visa card: 3 points per dollar
Scotiabank Passport Visa Infinite +* Card: 2 points per dollar

Provigo grocery stores accept Mastercard and Visa credit cards.

What is the best credit card for Maxi?

There are several excellent credit cards for Maxi grocery stores:

National Bank’s World Elite Mastercard^®: 5 points per dollar
BMO CashBack^® World Elite^®* Mastercard^®*: 5% per dollar
MBNA Rewards World Elite^® Mastercard^®: 5 points per dollar.
Neo World Elite^® Mastercard – Gas and groceries: 5% per dollar
CIBC Dividend^® Visa Infinite* Card: 4% per dollar
Scotia Momentum^® VISA Infinite +* card: 4% per dollar
PC World Elite Mastercard: 30 points per dollar
RBC ION+ Visa card: 3 points per dollar
Scotiabank Passport Visa Infinite +* Card: 2 points per dollar

Maxi grocery stores accept Mastercard and Visa credit cards.

What is the best credit card for Costco?

The best credit card for Costco is the Neo World Elite^® Mastercard – Everywhere, which offers 2% cash back on all purchases.

Check out the best Costco credit card offers.