Best Credit Cards for Food Delivery and Dining
These cards are ideal if you have a lot of spending in restaurants, bars, or food deliveries.
The top four are:
- American Express Cobalt® Card: 5 points per dollar (5% back)
- Scotiabank Gold American Express® Card: 5 points per dollar (5% back)
- National Bank’s World Elite Mastercard® 5 points per dollar (about 5% back)
- BMO eclipse Visa Infinite* card: 5 points per dollar (about 3.5% back)
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
La Carte Cobaltᴹᴰ American Express est la meilleure carte de crédit d’American Express, que vous souhaitiez des points pour vos voyages ou des remises en argent.
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.
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. Avec la Carte Cobaltᴹᴰ American Express, vous pouvez obtenir entre 1 et 5 points par dollar:
Category | Points per dollar |
Grocery | 5 |
Food delivery | 5 |
Restaurants and bars | 5 |
Convenience stores | 5 |
Streaming subscriptions | 3 |
Gas station | 2 |
Transportation | 2 |
Travel | 2 |
Other | 1 |
This is a 1 to 5% return on all these purchases.
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.
Find out in this article how to maximize the welcome bonus to get 60,000 points with your everyday spending. This offer may be withdrawn at any time.
Like all American Express Canada Cards, there is no minimum income requirement.
Scotiabank Gold American Express® Card
The Scotiabank Gold American Express® Card only requires a minimum income of $12,000.
For a limited time, you can earn up to 45,000 points in the first year, which is a $450 value for travel purchases including Airbnb. Plus, the first year is free!
With the Scotiabank® Gold American Express® Card, you earn 6X Scene+ points on every $1 you spend at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
Also, you earn 5 points per dollar for:
- grocery stores
- Restaurants
- Entertainment
And 3 points per dollar on gas, transit and streaming services purchases.
You can redeem your points on travel purchases (flights, hotels, all-inclusive and even Airbnb). You can also use your points as cash back rewards with Scene+.
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).
National Bank's World Elite Mastercard®
The National Bank’s World Elite Mastercard® is the Best National Bank Mastercard credit card.
With this exclusive welcome offer for Milesopedia readers, you can get up to 70,000 points, and the first year’s annual fee is waived for the primary cardholder. Here’s how:
- 30,000 points after $5,000 in Card purchases within the first 3 months of account opening
- 30,000 points if $12,000 or more in net purchases are charged to the credit card within 12 months of account opening
- 10,000 points if you sign up for Credit Card Payment Protection for a minimum of 3 months
With this card, you earn up to 5 points per dollar on your purchases:
- 5 points per dollar on grocery and restaurant purchases
- 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 on all other purchases
And since it’s a National Bank Mastercard credit card, 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
In addition, you can enjoy access to DragonPass airport lounges and free Wi-Fi with Boingo. And unlimited access to the National Bank Lounge at Montreal-Trudeau.
Finally, Milesopedia voted the National Bank’s World Elite Mastercard® as the Best Travel Credit Card and Best Credit Card for Insurance in 2023.
This promotion is intended for individuals who do not have a National Bank Mastercard credit card and have not held a National Bank credit card within the last 24 months.
BMO eclipse Visa Infinite* Card
When you sign up for our exclusive offer for the BMO eclipse Visa Infinite* Card, you can earn up to 70,000 BMO Rewards points and have the $120 annual fee waived for the first year:
- 40,000 points after $3,000 in purchases in the first three months
- 30,000 points at annual renewal if you have made $25,000 in purchases with the card in the first 12 months
Plus, you’ll get a $50 annual lifestyle credit – per calendar year – to spend however you want.
With the BMO eclipse Visa Infinite* Card, you can earn 5 BMO Rewards points per dollar 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.
American Express Platinum Card®
The Platinum Card® is the Best Premium Travel Card in Canada.
Earn up to 80,000 Membership Rewards points with this welcome offer:
- 60,000 points after $6,000 in Card purchases within the first 3 months
- Plus, earn 20,000 points when you make a purchase between 14 and 17 months of Cardmembership
With this card, you get:
- 3 points per dollar on dining purchases
- 2 points per dollar on travel purchases
- 1 point per dollar on all other purchases
You can use your Membership Rewards points in many ways:
- Transfer your points to airline partners (Aeroplan, British Airways Executive Club, Delta Skymiles, Flying Blue, etc.)
- Transfer points to hotel programs (Hilton Honors, Marriott Bonvoy)
- Redeem points for statement credits to offset any travel purchase charged to your Card (1,000 points = $10)
- Redeem points for statement credits towards other purchases (1,000 points = $10)
- And more!
With this card, you also have advantages for your travels:
- $200 Annual Travel Credit
- $100 NEXUS Card Statement Credit
- Complimentary and unlimited access for you and one additional traveller to over 1,200 airport lounges worldwide
- Hilton Honors Gold Elite status (complimentary breakfast at all Hilton hotels)
- Marriott Bonvoy Gold Elite status
- Access to the Fine Hotels & Resorts program
Finally, the Platinum Card® comes with premium insurance: Car Rental Theft and Damage, $500,000 Travel Accident, Emergency medical insurance (outside the province or country), Lost or Stolen Baggage, Flight delay insurance and misdirected baggage, Hotel or motel burglary, Purchase Protection® Plan, Buyer’s Assurance® Protection Plan.
Like all American Express Canada Cards, there is no minimum income requirement.
BMO Ascend World Elite Mastercard
The BMO Ascend World Elite Mastercard is one of Canada’s best travel Mastercard credit cards. With our exclusive offer, you can get up to 70,000 Welcome Bonus Points:
- 40,000 points when you spend $3,000 in the first 3 months
- 2,500 points per month after $2,000 in monthly purchases from the 4th to the 15th month, up to 30,000 points
Plus, the annual fee is waived in the first year for both the primary cardholder and authorized users.
With the BMO Ascend World Elite Mastercard, you earn:
- 5 points per dollar on travel purchases
- 3 points per dollar on dining purchases
- 3 points per dollar for entertainment purchases
- 3 points per dollar on recurring bill payments
And 1 point for every $1 spent everywhere else, including at Costco. You can use your points for travel purchases on the BMO Rewards website (flights, hotels, car rentals, all-inclusive).
The BMO Ascend World Elite Mastercard also offers:
- Four annual complimentary passes to airport VIP lounges
- Premium insurance for your travels or purchases
- Concierge services
Marriott Bonvoy™ Business American Express® Card
The Marriott Bonvoy® Business American Express®* Card is the best credit card for self-employed, professional and small business owners who travel.
With this welcome offer, you can earn 50,000 Marriott Bonvoy points after $1,500 in Card purchases within the first 3 months.
It’s a Card we recommend keeping because each year at renewal, you get an Annual Free Night Award (for up to 35,000 points at hotels worldwide) and 15 Elite Night Credits per year, counting towards your Marriott Bonvoy Elite status.
With this Card, you earn 5 points per dollar on all purchases at Marriott Bonvoy properties. And you can earn 3 points per dollar on:
- Gas
- Dining purchases
- travel purchases
And 2 points per dollar on all other purchases.
Like all American Express Canada Cards, there is no minimum income requirement.
Desjardins Cash Back World Elite Mastercard
The Desjardins Cash Back World Elite Mastercard is a credit card that offering cash back.
With this card you can get:
- 4% cash back on your grocery purchases
- 3% cash back on your restaurant, entertainment and public transportation purchases
- 1% cash back on your other purchases
Besides, this card offers insurance on your purchases:
- 90 days purchase insurance
- One year extended warranty
- Mobile Device Insurance
American Express Business Edge™ Card
The American Express Business Edge™ Card is a great small business credit card in Canada. The annual fee is only $99 and this American Express credit card offers up to 67,000 Membership Rewards points in the first year, a value of $670.
You can also transfer your points to airline partners (Aeroplan, British Airways Executive Club, etc.) and hotel partners (Marriott Bonvoy, Hilton Honors).
With this Card, you can get 3x the points on purchases:
- Office supplies (Staples, etc.)
- Electronic (Apple, Dell, etc.)
- Rides
- Gas
- Eats & Drinks
Besides, you can add up to 99 supplementary cards at no cost.
Like all American Express Canada Cards, there is no minimum income requirement.
Frequent Asked Questions about credit cards
Here are frequently asked questions in the milesopedia community about credit cards in Canada.
What is the best credit card in Canada?
There are more than 200 credit cards in Canada. There is no “one best credit card” in Canada.
Several credit cards can match your needs:
What is the best American Express credit card in Canada?
There are more than 30 American Express credit cards in Canada. Check out our best American Express Credit Cards page.
What is the best Mastercard credit card in Canada?
There are more than 90 Mastercard credit cards in Canada. Check out our Best Mastercard Credit Cards page.
What is the best Visa credit card in Canada?
There are more than 80 Visa credit cards in Canada. Check out our Best Visa Credit Cards page.