Best Credit Cards for Groceries in Canada

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

You can get a welcome bonus of up to 30,000 Membership Rewards points, that’s a $300 value. Considering the minimum spend requirement in the first 12 months, this is a $480 value in the first year!

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 convert your points into Marriott Bonvoy or Hilton Honors points.

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

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

Besides, this Card provides premium insurance: Car Rental Theft and Damage Insurance, Baggage delay, Lost or Stolen Baggage, Flight delay, $250,000 Travel Accident, Hotel or motel burglary, Buyer’s Assurance^® Protection Plan, Purchase Protection Guarantee.

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.

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).

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 (a $120 value)!

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

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.

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.