Best credit cards by category
Best Credit cards For Restaurants
These 3 cards are ideal if you have a lot of spending in restaurants or bars.
American Express Cobalt™ Card
The American Express Cobalt™ Card is the best American Express Credit Card.
With the American Express Cobalt™ Card, you earn between 1 and 5 points per dollar:
| Category | Points per dollar |
| Groceries | 5 |
| Food delivery | 5 |
| Restaurants and bars | 5 |
| Convenience stores | 5 |
| Gas station | 2 |
| Transportation | 2 |
| Travel | 2 |
| Other | 1 |
You can get up to 30,000 Membership Rewards Points as a Welcome Bonus, that’s a $300 value. You can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card.
So, if each month you spend $500 in the 5x categories, you could get up to 60,000 points or $600 during the first year! You can redeem your points in statement credits towards travel purchases, or even on your everyday purchases. Or you can transfer your points to Marriott Bonvoy or Hilton Honors.
Besides, this Card provides premium insurance :
- Car Rental Theft and Damage Insurance
- Baggage delay insurance
- Lost or Stolen Baggage Insurance
- Flight delay insurance
- $250,000 Travel Accident Insurance
- Hotel or motel burglary insurance
- Buyer’s Assurance® Protection Plan
- Purchase Protection Guarantee
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 get 25,000 points after $1,000 in credit card purchases, which is a $250 value for travels including Airbnb rentals.
With the Scotiabank Gold American Express® Card,you earn 5 points per dollar for:
- Grocery stores
- Restaurants
- Entertainment
You can redeem your points on travel purchases (flights, hotels, all-inclusive and even Airbnb).
Scotiabank’s American Express Gold Card also offers:
- no foreign currency transactions fee
- Premium insurance for your travels or purchases
- Concierge services
- Exclusive Benefits American Express (Front of the Line Program)
BMO® World Elite®* Mastercard®*
The BMO® World Elite®* Mastercard®* is one of the best Mastercard credit cards with travel points in Canada.
You can get a welcome bonus of 40,000 points (285$ travel value):
- 30,000 points after you spend a minimum of $3,000 within the first 3 months
- an additional 10,000 BMO Rewards points anniversary bonus, 12 months after the Credit Card account open date
In addition, the $120 annual fee is waived in the first year!
With the BMO® World Elite®* Mastercard®*, you get 3 points for every dollar spent on:
- travel
- dining
- entertainment
And 2 points for every dollar you spend, Costco included!
You can redeem your BMO Rewards points on travel booked on the BMO Rewards website (flights, hotels, rental cars, all-inclusive).
The BMO® World Elite®* Mastercard®* also offers:
- 4 complimentary passes to airport VIP lounges
- Premium insurance for your travels or purchases
- Concierge services
Finally, you can combine the points you get with the two other BMO Rewards cards to save even more on your travels!
American Express Business Edge™ Card
The American Express Business Edge™ Card is a small business credit card in Canada. This business credit card has a low annual fee ($99) and offers up to 42,000 Membership Rewards Points in the first year ($420 value).
You can earn 3 times the points on:
- Office supplies (Staples, etc.)
- Electronics (Apple, Dell, etc.)
- Rides
- gas
- Eats & Drinks
Also, you can get up to 99 free supplementary cards.