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

Best Credit Cards for Food Delivery and Dining

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: 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 optimize the welcome bonus to get 87,500 points with your current spending.

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.

You can earn 40,000 points in the first year for a limited time, a $400 value for travel, including Airbnb. And the first-year is free! And you can get an introductory rate of 0.00% on balance transfers for the first six months.

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).

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.

Platinum Card®

The Platinum Card® is the best premium card in Canada for travellers.

With this welcome offer, you can earn up to 100,000 Membership Rewards points.

Here’s how:

  • 80,000 Membership Rewards points after $6,000 in Card purchases wthin the first 3 months
  • 20,000 Membership Rewards 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 your 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
  • Unlimited access for you and an additional traveller to more than 1,200 airport lounges across 130 countries
  • 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.

BMO® World Elite®* Mastercard®*

The BMO® World Elite®* Mastercard®* is one of the best Mastercard credit cards with travel points in Canada. You can earn a welcome bonus of 30,000 points, which is a $210 value in travel rewards:
  • 25,000 points after $3,000 in Card purchases within the first 3 months
  • 5,000 points on your first anniversary (12 months after the account opening date)
Besides, 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 use your points for travel purchases on the BMO Rewards website (flights, hotels, car rentals, all-inclusive). The BMO® World Elite®* Mastercard®* also comes with:
  • 4 complimentary passes to airport VIP lounges
  • Premium insurance for your travels or purchases
  • Concierge services
Finally, you can combine your points with the two other BMO Rewards cards to save even more on your travels!

Marriott Bonvoy™ Business American Express® Card

The Marriott Bonvoy™ Business American Express® Card is the best credit card for sole-proprietor, professional and small business owners who travel. For a limited time, you can earn up to 85,000 Marriott Bonvoy points! Here's how:
  • 70,000 Marriott Bonvoy points after $5,000 in Card purchases in the first 3 months
  • 5 points per dollar spent on gas, dining and travel (excluding lodging) for the first 3 months (up to 15,000 points)
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
  • travel purchases
And 2 points per dollar on all other purchases.

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 credit card for small businesses in Canada. With a low annual fee of only $99, this American Express credit card offers up to 57,000 Membership Rewards points in the first year, a $570 value. You can also transfer your points to airline (Aeroplan, British Airways Executive Club, etc.) and hotel (Marriott Bonvoy, Hilton Honors) partners. Here are the details for the welcome bonus:
  • You earn 45,000 Welcome Bonus points when you charge $5,000 in purchases to your Card in your first three months
  • You earn 1,000 Membership Rewards points for each monthly billing period in which you spend $3,000 in purchases on your Card. This could add up to 12,000 points in a year.
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.

Capital One® Mastercard®, exclusively for Costco members

The Capital One® Mastercard®, exclusively for Costco members is a no-fee credit card. It is only available for Costco members.

With this card you can get:

  • 3% cash back on restaurant purchases
  • 2% cash back on gas purchases
  • 0.5 to 1% cash back on all other purchases

For your first $3,000 in purchases, you’ll only get 0.5% cash back. For example, when you shop at Costco warehouses, you’ll only get between 0.5% and 1% cash back. It may be more beneficial to get another credit card if you frequently shop at Costco.

Frequent Asked Questions about credit cards

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