Best Credit Cards for Groceries in Canada - September 2026
Earn the most rewards on grocery shopping. Compare cards offering 2–5x points or 2–4% cash back at supermarkets.
Looking for the best Credit Cards for Groceries in Canada? The right choice depends on your spending, annual fees and the benefits you will actually use.
Compare the 10 cards in our selection below. Interested in a card? Click Read review to read our full analysis.
$500ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
The Scotiabank Gold American Express Card offers an excellent welcome bonus.
Until November 1, 2026, you can earn up to 50,000 bonus Scene+ points, broken down as follows:
30,000 Scene+ points by charging $2,000 in purchases to the card within the first 3 months
20,000 Scene+ points by making $7,500 in purchases on the card in the first year
This represents a value of up to $500 for travel (including Airbnb).
With the Scotiabank Gold American Express Card, you earn 6 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.
Also, you earn 5 points per dollar for:
Grocery stores
Restaurants
Entertainment centers
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 also offers no foreign transaction fees, excellent insurance for your travel or purchases, concierge service, exclusive American Express benefits like the Front of the Line program.
Legal
* The potential value of savings and rewards during the first 12 months includes the value of the welcome offer, the potential value of points earned in the first year and the value of foreign transaction fee savings as of May 22, 2026:
$300 in travel rewards (30,000 bonus Scene+ points) for new Scotiabank Gold American Express Cardholders who make purchases totaling $2,000 in the first 3 months
$200 in travel rewards (20,000 bonus Scene+ points) for making purchases totaling $7,500 in the first 12 months
$59 in foreign transaction fee savings based on the average annual amount of foreign currency purchases made per account over the last 24 months (saving on the 2.5% foreign transaction fee typically charged by other credit card issuers);
$398 corresponding to the potential value of points earned in the first year (38,500 Scene+ points) based on the average amount of purchases made, per account, over the last 24 months, assuming an average spend of 28% of purchases in categories eligible for accelerated earn rates of 6X, 5X and 3X points.
Maximum potential value after the first year = $957 (rounded to $950)
The actual value of offers, savings realized and rewards earned will vary depending on card usage and eligibility for offers. Conditions apply.
1 Offer Description and Conditions: The 50,000 Scene+ points offer (the « Offer ») applies only to new Scotiabank Gold American Express credit card accounts (the « Accounts ») opened between July 2, 2026, and November 1, 2026 (regardless of the date you apply for the account), subject to the conditions below. All other program terms and conditions continue to apply during the Offer period. The Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offer.
To qualify for the 30,000 bonus Scene+ points (the « 30,000 Bonus Points Offer »), you must make eligible purchases totaling at least $2,000 within three months of the account opening date. To qualify for the 20,000 additional bonus Scene+ points (the « 20,000 Additional Bonus Points Offer »), you must make $7,500 in eligible purchases on your new account during the first year (twelve months). Eligible purchases mean purchases, less refunds, returns and any other similar credits, and exclude payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, card fees and other fees.
Fulfillment of the Annual Bonus: Bonus points will be credited to the Scene+ account within approximately eight weeks after you qualify for a bonus, provided the account is open and in good standing. In the case of a joint account with a primary borrower and a co-borrower, bonus points will be credited as follows: (i) the 30,000 bonus points and the 20,000 additional bonus points will be credited to the Scene+ account linked to the account of the borrower who made the transaction that reached the eligible purchase threshold ($2,000 or $7,500) within the appropriate timeframe (the first three months or the first 12 months). If a supplementary cardholder makes the transaction that reaches the eligible purchase threshold for the 30,000 bonus points or the 20,000 additional bonus points, the bonus points will be credited to the Scene+ account linked to the primary borrower’s account. Points can be transferred between the Scene+ accounts of a primary borrower, co-borrower or supplementary cardholder by contacting Scene+. An account is in good standing if it is not delinquent, the credit limit is not exceeded, and the holder(s) have complied with the terms of the Revolving Credit Agreement applicable to the account. All other program terms and conditions continue to apply during the Offer period. The Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offer.
Eligibility and exclusions: You are not eligible for the Offer if you are currently a primary or secondary cardholder of a Scotiabank personal credit card or if you have been within the past two years, including if you transfer your balance from an existing Scotiabank personal credit card account, and if you are a Scotiabank employee. Subject to the exclusions mentioned above, Scotiabank small business credit cardholders are eligible for this Offer.
Rates and Fees: The current annual fee is $120 for the primary card and $29 for each additional card (including those issued to joint account holders and additional cardholders). The preferred annual interest rates currently applicable to the account are: 21.99% on purchases and 22.99% on cash advances (including balance transfers and quasi-cash transactions). Rates, fees, features and benefits, which are described in the application statement, are subject to change.
Annual fee
Primary card$120
Additional card$29
Annual income required
Individual$12,000
Household$12,000
Conversion fees
0%
Earning rate
6xWith the partner brand
5xGroceries
5xEntertainment
5xRestaurants
3xStreaming
3xTransit
3xGas & EV
1xAll spending
Value
1st Year Value$1,280
2nd Year Value$461
Card benefits
Concierge service24/7
Travel insurance
Travel medical (under 55)Up to $1,000,000 / 25 days
Travel medical (55-64)Up to $1,000,000 / 25 days
Travel medical (65+)Up to $1,000,000 / 3 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $1,500
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 1 years
Auto Rental Collision (primary)Up to $65,000 / 48 days
Until November 1, 2026, you can earn up to 50,000 bonus Scene+ points, broken down as follows:
30,000 Scene+ points by charging $2,000 in purchases to the card within the first 3 months
20,000 Scene+ points by making $7,500 in purchases on the card in the first year
This represents a value of up to $500 for travel (including Airbnb).
With the Scotiabank Gold American Express Card, you earn 6 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.
Also, you earn 5 points per dollar for:
Grocery stores
Restaurants
Entertainment centers
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 also offers no foreign transaction fees, excellent insurance for your travel or purchases, concierge service, exclusive American Express benefits like the Front of the Line program.
$500ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
20,000 TD Rewards Points for the first purchase made with your card†
140,000 TD Rewards Points when you spend $7,500 within 180 days of account opening†
A Birthday Bonus of up to 10,000 TD Rewards Points†
Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD, and enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)†.
8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†
6 TD Rewards Points† per dollar on your grocery, dining and public transit purchases
4 TD Rewards Points† per dollar on your recurring bill payments and purchases of streaming services as well as digital games and media
2 TD Rewards Points† per dollar on all other purchases made with your card
This card also allows you to enjoy a range of travel benefits, including an annual travel credit, complimentary airport lounge visits, and a birthday bonus that boosts your points each year†.
$1,039ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$800Annual fee rebated$139Annual credit$100Total$1,039Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$800Annual fee rebated$139Annual credit$100Total$1,039Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Travel medical (under 55)Up to $2,000,000 / 21 days
Travel medical (55-64)Up to $2,000,000 / 21 days
Travel medical (65+)Up to $2,000,000 / 4 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000
Auto Rental CollisionUp to $65,000 / 48 days
National Bank World Elite® Mastercard®
With Milesopedia, take advantage of an exclusive offer: your first-year annual fees are refunded with the National Bank World Elite Mastercard. This offer is exclusively available on the Milesopedia network, from June 30 to November 4, 2026.
Refund of the first-year annual fee (a $150 value) for the primary cardholder. This fee is charged to your new card account, then refunded as a credit on your statement within five months of opening your account, provided it remains open and in good standing.
$300ⓘMilesopedia first-year estimateFirst-year valueAnnual fee rebated$150Annual credit$150Total$300Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueAnnual fee rebated$150Annual credit$150Total$300Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Travel medical (under 55)Up to $5,000,000 / 60 days
Travel medical (55-64)Up to $5,000,000 / 31 days
Travel medical (65+)Up to $5,000,000 / 15 days
Trip CancellationUp to $2,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $500
Lost BaggageUp to $1,000
Flight DelayUp to $500
Travel AccidentIncluded
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+2 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental CollisionUp to $65,000 / 48 days
Neo World Elite® Mastercard - Gas & Grocery
Exclusive offer (until October 12, 2026): $149 annual fee waived for the first year, plus $100 cash back after $1,500 in eligible purchases within the first 3 months.
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.
$249ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$100Annual fee rebated$149Total$249Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$100Annual fee rebated$149Total$249Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Exclusive offer (until October 12, 2026): $149 annual fee waived for the first year, plus $100 cash back after $1,500 in eligible purchases within the first 3 months.
The Neo World Elite® Mastercard – Everywhere combines the simplicity of a single rate with the benefits of a premium card. Earn 2% cash back on all your purchases (up to $4,000 per month, then 1% thereafter), with no categories to track.
You keep all the World Elite® benefits: comprehensive travel insurance, collision coverage for car rentals, and a DragonPass membership for airport lounges. Add to that additional discounts at over 10,000 Neo partners.
With an instant credit limit of up to $30,000, it’s the premium option for those who want high cash back on every purchase, effortlessly.
Travel insurance is not available to Quebec residents. DragonPass membership is included; fees apply for each lounge visit.
$249ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$100Annual fee rebated$149Total$249Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$100Annual fee rebated$149Total$249Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With this welcome offer, you can earn up to 110,000 Marriott Bonvoy Points:
Earn 80,000 points after you spend $10,000 on your Card in your first 6 months of Cardmembership.
Plus, earn 30,000 Points by making a purchase during your 15th month of Cardmembership.
This exceptional offer ends on September 22, 2026.
It’s a card we recommend you keep, because each year at renewal, you’ll get an Annual Free Night Award for up to 35,000 points, plus 15 Elite nights per year, counting towards your Marriott Bonvoy Elite status.
With this Card, you earn 5 points per dollar for all your spending at Marriott Bonvoy establishments, and you can earn 3 points per dollar for :
Gas
Dining
Travel
And 2 points per dollar on all other purchases.
Like all American Express Canada Cards, there is no minimum income requirement.
$990ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$990Total$990Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$990Total$990Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Apply with confidence — no impact on your credit scoreⓘApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
The Marriott Bonvoy® Business American Express®* Card is the best credit card for the self-employed, professionals and small business owners who travel.
With this welcome offer, you can earn up to 110,000 Marriott Bonvoy Points:
Earn 80,000 points after you spend $10,000 on your Card in your first 6 months of Cardmembership.
Plus, earn 30,000 Points by making a purchase during your 15th month of Cardmembership.
This exceptional offer ends on September 22, 2026.
It’s a card we recommend you keep, because each year at renewal, you’ll get an Annual Free Night Award for up to 35,000 points, plus 15 Elite nights per year, counting towards your Marriott Bonvoy Elite status.
With this Card, you earn 5 points per dollar for all your spending at Marriott Bonvoy establishments, and you can earn 3 points per dollar for :
Gas
Dining
Travel
And 2 points per dollar on all other purchases.
Like all American Express Canada Cards, there is no minimum income requirement.
Annual fee
Primary card$150
Additional card$50
Annual income required
Individual$0
Household$0
Conversion fees
2.5%
Earning rate
5xMarriott Bonvoy hotels
3xTravel
3xGas & EV
3xRestaurants
2xAll spending
Value
1st Year Value$1,180
2nd Year Value$347
Travel insurance
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days
New Cardmembers can earn up to 110,000 Marriott Bonvoy® points with the current offer:
Earn 80,000 points after you spend $6,000 on your Card in your first 6 months of Cardmembership.
Plus, earn 30,000 points by making a purchase during your 15th month of Cardmembership.
This offer ends on September 22, 2026. The annual fee is $120, and there is no annual fee on Additional Cards, so you can add a partner or a family member at no extra cost.
Every year after your first Card anniversary, you receive an Annual Free Night Award good for a redemption of up to 35,000 points at eligible hotels and resorts worldwide. At a valuation of 0.9 cents per Marriott Bonvoy point, that certificate is worth roughly $315, which on its own more than covers the $120 annual fee. That is the main reason to keep this Card year after year instead of cancelling it.
To get the most out of the certificate, aim it at a night that would otherwise price close to the 35,000 point ceiling.
The Card also gives you 15 Elite Night Credits each calendar year and automatic Marriott Bonvoy Silver Elite status. Those credits count toward the next Elite tier, so you begin every year 15 nights ahead of where you would otherwise start.
You move up to Gold Elite status automatically when you reach $30,000 in purchases on the Card in a year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your Card.
Marriott Bonvoy points are generally valued at 0.9 cents each. On that basis, the 110,000 point welcome offer is worth about $990, and an Annual Free Night Award used at its full 35,000 point ceiling is worth about $315.
Marriott Bonvoy points pull their weight on free nights rather than on gift cards or merchandise, which is why this Card should be judged on the hotel stays it produces.
You earn 5 points per dollar on eligible purchases at participating Marriott Bonvoy hotels and 2 points per dollar on all other purchases. Points can be redeemed for free nights with no blackout dates at more than 7,000 hotels around the world.
The Card carries a solid package of coverages: $500,000 travel accident insurance, flight delay, baggage delay, lost or stolen baggage and hotel or motel burglary at $500 each, car rental theft and damage up to $85,000 for rentals of up to 48 days, Purchase Protection for 90 days and a one year Extended Warranty.
Two things to plan around: the 2.5% foreign transaction fee on purchases made in a foreign currency, and the 21.99% purchase interest rate, which makes this a Card to pay in full every month. Like all American Express Canada Cards, no minimum income is published for this Card, and you can see whether you would be approved before you apply, with no impact on your credit score.
$990ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$990Total$990Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$990Total$990Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Apply with confidence — no impact on your credit scoreⓘApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
Annual fee
Primary card$120
Additional card$0
Annual income required
Individual$0
Household$0
Conversion fees
2.5%
Earning rate
5xMarriott Bonvoy hotels
2xAll spending
Value
1st Year Value$1,140
2nd Year Value$312
Travel insurance
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days
30,000 WestJet points as a welcome bonus with your first purchase
30,000 WestJet points when you charge at least $5,000 in eligible purchases to your card within the first three months
10,000 additional WestJet points after your credit card account’s first anniversary
The offer ends on November 4, 2026.
The benefits in numbers
An annual companion voucher from $119
Charge at least $5,000 in purchases to your card each year and you receive a World Elite Companion Voucher for a round-trip flight, starting at a $119 base fare, plus taxes, fees, surcharges and other air transportation charges. You can exchange it instead for a 30% flight discount for one traveller, a $200 credit towards a WestJet Vacations or Sunwing Vacations package, or airport lounge passes. The exact number of lounge passes granted is to be verified against the RBC terms in force.
A free first checked bag for up to nine people
The first checked bag is free for the primary cardholder and up to 8 guests on the same reservation, on WestJet flights. For a family of four, that is four bags on every leg.
Status Lift: $200 in tier qualifying spend per $5,000
Your everyday purchases move you towards Silver, Gold and even Platinum status. You earn $200 in tier qualifying spend for every $5,000 in purchases charged to the card, up to 50 times per year.
Up to 2 WestJet points per dollar
2 points per dollar on WestJet flights, WestJet Vacations and Sunwing Vacations packages
2 points per dollar at grocery stores and on transportation, including gas, EV charging, public transit and rideshare
1.5 points per dollar on all other everyday purchases
The annual fee is $139, plus $59 per additional card.
Finally, you benefit from extensive insurance coverage: out-of-province or out-of-country emergency medical insurance, travel accident insurance, trip cancellation and trip interruption insurance, flight delay and delayed baggage insurance, hotel or motel burglary insurance, rental vehicle collision and damage insurance.
$700ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$700Total$700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$700Total$700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
The American Express Cobalt® Card is the best credit card from American Express, whether you want points for travel or cash back.
American Express Cobalt® Card welcome offer
The welcome bonus is paid out monthly over your first 12 months. You earn 1,250 Membership Rewards points for each monthly billing period in which you charge $750 in net purchases to your card, in any category (1X, 2X, 3X or 5X). That adds up to 15,000 Membership Rewards points over the year, a welcome offer we value at $255.
Earning the full bonus means $9,000 in net purchases spread across 12 monthly billing periods. This offer rewards steady monthly spending rather than one large purchase.
You can use these points as statement credits on everyday or travel purchases, at the same rate either way: 1,000 points = $10.
You can also transfer them to Aeroplan, Avios (British Airways and Qatar Airways), Flying Blue, Marriott Bonvoy or Hilton Honors. With the full welcome bonus, that is a choice between:
Here is what the card gives you, starting with the benefits cardholders use most.
5X points on eligible eats and drinks in Canada: groceries, restaurants and bars, home food delivery and convenience stores. A spend cap applies.
3X points on eligible streaming subscriptions in Canada.
2X points on eligible gas, public transit and ride sharing purchases in Canada.
1 additional point on eligible hotel and car rental bookings made through American Express Travel Online.
1X point per dollar on everything else, with no category restrictions.
Points that hold the same value either way: 1,000 points = $10 as a statement credit, or a 1:1 transfer to several airline and hotel loyalty programs.
No minimum income requirement, as with every American Express Canada card.
Additional cards at no extra cost: the first and every other supplementary card is $0.
The Hotel Collection: a room upgrade when available, 12pm check-in and late check-out when available, and up to $100 USD in hotel credit on amenities charged to the room for a stay of two or more consecutive nights, booked through American Express Travel.
Front Of The Line® presale and reserved tickets for concerts and theatre performances, plus offers and events curated for cardmembers through Amex Experiences.
A soft credit check before you apply: you can see whether you will be approved with no impact to your credit score. This applies to American Express personal card applications.
That works out to a 1 to 5% return on those purchases. For example, if you spend $1,000 per month across groceries, restaurants and food delivery, you earn $50 back per month, or $600 per year from that category alone. Transfer the points to a program such as Aeroplan instead and the return can be higher.
The card comes with a broad insurance package. The amounts below are the coverage limits; conditions, age limits and exclusions are set out in the certificate of insurance linked in the Insurance section above.
Travel insurance
Emergency medical: up to $5,000,000 for the first 15 days of a trip.
Travel accident: accidental death and dismemberment of up to $250,000 for you, your spouse and dependent children under age 23 when travelling on a common carrier (plane, train, bus or ship) and the tickets are charged to your card. Supplementary cardholders and their families are covered too.
Flight delay: up to $500 for necessary hotel, meal and sundry expenses bought within 48 hours when you are delayed or denied boarding for four hours or more and no other transportation is available. This $500 is an aggregate limit per occurrence, shared with missed connection and delayed baggage coverage.
Delayed baggage: up to $500 for essential clothing and sundries bought within four days when your outbound luggage is delayed six hours or more. This $500 is an aggregate limit per occurrence, shared with missed connection and flight delay coverage.
Lost or stolen baggage: up to $500 per occurrence for all insured persons combined, for checked or carry-on baggage and personal effects in transit, when the airline tickets are charged to your card. Within that limit, jewellery is capped at $300 per occurrence and golf clubs, including golf bags, at $250 per occurrence.
Hotel and motel burglary: up to $500 against the loss of most personal items if your hotel or motel is burglarized, when the stay is charged to your card.
Rental car insurance
Theft and damage coverage is included for a rental car with an MSRP, for its model year, of up to $85,000 excluding all taxes, for rentals of up to 48 days. To use it, decline the Loss Damage Waiver (LDW) or any similar option from the rental company and charge the full rental to your card. There is no cost for this coverage, and it replaces the daily insurance the rental company charges, usually $16 to $23 per day.
Mobile device insurance
Your device is covered for up to $1,000 per occurrence when it is charged to the card, for up to two years from the date of purchase. The payout is based on the depreciated value of the device, which falls by 2% of the purchase price for every completed month, less a 10% deductible. Theft and accidental damage coverage starts on the 91st day after purchase, because the first 90 days are covered by purchase protection.
Purchase protection and extended warranty
Eligible items charged to your card are insured against accidental physical damage or theft for 90 days from the purchase date, up to $1,000 per occurrence for all items combined. The card also extends the original manufacturer’s warranty by up to one additional year on eligible items, with indemnification limited to $10,000 per insured item and $25,000 per Cardmember per policy year for all items combined.
American Express Cobalt® Card fees
Card fee: $15.99 per month, which equals $191.88 per year, for residents outside Quebec. Quebec residents are billed $191.88 per year.
Additional cards: $0.
Purchase interest rate: 21.99%.
Cash advance interest rate: 21.99%.
Foreign transaction fee: 2.5%.
Minimum income required: none.
Because the fee is billed monthly rather than in one annual charge, you can stop and restart the cost in step with how much you are actually using the card.
$255ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Apply with confidence — no impact on your credit scoreⓘApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
Annual fee
Primary card$191.88
Additional card$0
Annual income required
Individual$0
Household$0
Conversion fees
2.5%
Earning rate
5xRestaurants
5xGroceries
5xConvenience
3xStreaming
2xTransit
2xGas & EV
1xAll spending
Value
1st Year Value$1,491
2nd Year Value$799
Transfer partners
AeroplanAirline
British Airways ClubAirline
Cathay Asia MilesAirline
Etihad GuestAirline
Flying BlueAirline
Hilton HonorsHotel
Marriott BonvoyHotel
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $250,000
Purchase protection
Purchase ProtectionUp to $1,000 / 90 days
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental Collision (primary)Up to $85,000 / 48 days
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.
$20ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$20Total$20Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$20Total$20Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
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:
Here is a table summarizing the different offers. For more details, read on or click on the name of a card.
Check Network Acceptance First
The highest earn rate is worthless if your grocery store does not accept your card’s network. Costco only accepts Mastercard and codes its purchases as « warehouse club » rather than « grocery, » so no grocery-bonus card earns its bonus rate there. Loblaw, Real Canadian Superstore (Maxi/Provigo in Quebec) do not accept American Express. Walmart accepts Visa and Mastercard, but not Amex. Metro, IGA, Sobeys, Super C, and Adonis accept all three networks.
Read on for our tips on how to save at the grocery store:
Carte Cobaltᴹᴰ American Express
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.
La prime de bienvenue est répartie mensuellement pendant les 12 premiers mois. Ainsi, vous obtenez 1 250 points-privilèges après 750 $ d’achats portés sur votre carte dans le mois (que ce soit en catégorie 1X, 2X, 3X ou 5X). Soit jusqu’à 15 000 points-privilèges.
Vous pourrez facilement utiliser ces points en crédit au compte pour vos achats de tous les jours ou de voyages. La valeur est la même: 1 000 points = 10 $.
Ou bien, vous pouvez les transférer en points Aéroplan, Avios (British Airways / Qatar Airways), Flying Blue, Marriott Bonvoy ou Hilton Honors.
Par exemple, avec cette offre de bienvenue, si vous décidez de transférer vos points-privilèges vers un programme de fidélité partenaire, vous auriez le choix d’obtenir jusqu’à:
15 000 points Aéroplan
15 000 points Avios
15 000 Miles Flying Blue
18 000 points Marriott Bonvoy
Avec la Carte CobaltMD American Express, vous pouvez obtenir entre 1 et 5 points par dollar :
Catégorie
Points par dollar
Épicerie (Métro, IGA, Sobeys, Super C, etc.)
5
Livraison de nourriture à domicile
5
Restaurants et bars
5
Dépanneurs
5
Services de diffusion en continu
3
Station-service
2
Transports
2
Voyages
1
Autres
1
Cela représente un retour de 1 à 5 % sur tous ces achats.
Par exemple, si vous dépensez 1 000 $ par mois pour des achats d’épicerie et/ou de restaurants et/ou de livraison de nourriture, vous obtiendrez 50 $ de remise en argent par mois, soit 600 $ de remise en argent par an avec cette carte pour cette catégorie d’achats!
Et si vous décidez de transférer vos points vers d’autres programmes comme Aéroplan, vous pourriez retirer encore plus de valeur!
De plus cette Carte procure d’excellentes assurances: vol et dommages pour voitures de location, retard de bagages, perte ou vol de bagages, retard de vol, accident de voyage de 250 000 $, cambriolage à l’hôtel ou au motel, Assurance Appareils Mobiles, Garantie-Achat, Garantie Protection-Achat.
Comme toutes les Cartes d’American Express Canada, aucun revenu minimum n’est exigé.
$255ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Apply with confidence — no impact on your credit scoreⓘApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
The American Express Cobalt® Card is the best credit card from American Express, whether you want points for travel or cash back.
American Express Cobalt® Card welcome offer
The welcome bonus is paid out monthly over your first 12 months. You earn 1,250 Membership Rewards points for each monthly billing period in which you charge $750 in net purchases to your card, in any category (1X, 2X, 3X or 5X). That adds up to 15,000 Membership Rewards points over the year, a welcome offer we value at $255.
Earning the full bonus means $9,000 in net purchases spread across 12 monthly billing periods. This offer rewards steady monthly spending rather than one large purchase.
You can use these points as statement credits on everyday or travel purchases, at the same rate either way: 1,000 points = $10.
You can also transfer them to Aeroplan, Avios (British Airways and Qatar Airways), Flying Blue, Marriott Bonvoy or Hilton Honors. With the full welcome bonus, that is a choice between:
Here is what the card gives you, starting with the benefits cardholders use most.
5X points on eligible eats and drinks in Canada: groceries, restaurants and bars, home food delivery and convenience stores. A spend cap applies.
3X points on eligible streaming subscriptions in Canada.
2X points on eligible gas, public transit and ride sharing purchases in Canada.
1 additional point on eligible hotel and car rental bookings made through American Express Travel Online.
1X point per dollar on everything else, with no category restrictions.
Points that hold the same value either way: 1,000 points = $10 as a statement credit, or a 1:1 transfer to several airline and hotel loyalty programs.
No minimum income requirement, as with every American Express Canada card.
Additional cards at no extra cost: the first and every other supplementary card is $0.
The Hotel Collection: a room upgrade when available, 12pm check-in and late check-out when available, and up to $100 USD in hotel credit on amenities charged to the room for a stay of two or more consecutive nights, booked through American Express Travel.
Front Of The Line® presale and reserved tickets for concerts and theatre performances, plus offers and events curated for cardmembers through Amex Experiences.
A soft credit check before you apply: you can see whether you will be approved with no impact to your credit score. This applies to American Express personal card applications.
The 5X rate is the reason most people carry this card. In Canada it covers four kinds of merchants:
Groceries: Metro, IGA, Sobeys, Super C, Safeway, Whole Foods.
Restaurants and bars: sit-down meals, takeout and drinks.
Home food delivery.
Convenience stores: Couche-Tard, 7-Eleven.
The 2X rate covers gas stations such as Esso, Shell and Petro-Canada, along with public transit and ride sharing.
With the American Express Cobalt® Card, you earn between 1 and 5 points per dollar:
Category
Points per dollar
Grocery (Metro, 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
That works out to a 1 to 5% return on those purchases. For example, if you spend $1,000 per month across groceries, restaurants and food delivery, you earn $50 back per month, or $600 per year from that category alone. Transfer the points to a program such as Aeroplan instead and the return can be higher.
The card comes with a broad insurance package. The amounts below are the coverage limits; conditions, age limits and exclusions are set out in the certificate of insurance linked in the Insurance section above.
Travel insurance
Emergency medical: up to $5,000,000 for the first 15 days of a trip.
Travel accident: accidental death and dismemberment of up to $250,000 for you, your spouse and dependent children under age 23 when travelling on a common carrier (plane, train, bus or ship) and the tickets are charged to your card. Supplementary cardholders and their families are covered too.
Flight delay: up to $500 for necessary hotel, meal and sundry expenses bought within 48 hours when you are delayed or denied boarding for four hours or more and no other transportation is available. This $500 is an aggregate limit per occurrence, shared with missed connection and delayed baggage coverage.
Delayed baggage: up to $500 for essential clothing and sundries bought within four days when your outbound luggage is delayed six hours or more. This $500 is an aggregate limit per occurrence, shared with missed connection and flight delay coverage.
Lost or stolen baggage: up to $500 per occurrence for all insured persons combined, for checked or carry-on baggage and personal effects in transit, when the airline tickets are charged to your card. Within that limit, jewellery is capped at $300 per occurrence and golf clubs, including golf bags, at $250 per occurrence.
Hotel and motel burglary: up to $500 against the loss of most personal items if your hotel or motel is burglarized, when the stay is charged to your card.
Rental car insurance
Theft and damage coverage is included for a rental car with an MSRP, for its model year, of up to $85,000 excluding all taxes, for rentals of up to 48 days. To use it, decline the Loss Damage Waiver (LDW) or any similar option from the rental company and charge the full rental to your card. There is no cost for this coverage, and it replaces the daily insurance the rental company charges, usually $16 to $23 per day.
Mobile device insurance
Your device is covered for up to $1,000 per occurrence when it is charged to the card, for up to two years from the date of purchase. The payout is based on the depreciated value of the device, which falls by 2% of the purchase price for every completed month, less a 10% deductible. Theft and accidental damage coverage starts on the 91st day after purchase, because the first 90 days are covered by purchase protection.
Purchase protection and extended warranty
Eligible items charged to your card are insured against accidental physical damage or theft for 90 days from the purchase date, up to $1,000 per occurrence for all items combined. The card also extends the original manufacturer’s warranty by up to one additional year on eligible items, with indemnification limited to $10,000 per insured item and $25,000 per Cardmember per policy year for all items combined.
American Express Cobalt® Card fees
Card fee: $15.99 per month, which equals $191.88 per year, for residents outside Quebec. Quebec residents are billed $191.88 per year.
Additional cards: $0.
Purchase interest rate: 21.99%.
Cash advance interest rate: 21.99%.
Foreign transaction fee: 2.5%.
Minimum income required: none.
Because the fee is billed monthly rather than in one annual charge, you can stop and restart the cost in step with how much you are actually using the card.
Legal
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.
Annual fee
Primary card$191.88
Additional card$0
Annual income required
Individual$0
Household$0
Conversion fees
2.5%
Earning rate
5xRestaurants
5xGroceries
5xConvenience
3xStreaming
2xTransit
2xGas & EV
1xAll spending
Value
1st Year Value$1,828
2nd Year Value$799
Transfer partners
AeroplanAirline
British Airways ClubAirline
Cathay Asia MilesAirline
Etihad GuestAirline
Flying BlueAirline
Hilton HonorsHotel
Marriott BonvoyHotel
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $250,000
Purchase protection
Purchase ProtectionUp to $1,000 / 90 days
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental Collision (primary)Up to $85,000 / 48 days
Carte Mastercardᴹᴰ World Eliteᴹᴰ de la Banque Nationale
Avec Milesopedia, profitez d’une offre exclusive : les frais annuels de la première année vous sont remboursés avec la Carte Mastercard World Elite de la Banque Nationale. Cette offre est exclusivement disponible sur le réseau Milesopedia, du 30 juin au 4 novembre 2026.
Remboursement des frais annuels de la première année (une valeur de 150 $) pour le titulaire principal. Ces frais sont portés au compte de votre nouvelle carte, puis remboursés sous forme de crédit à votre relevé, dans les cinq mois suivant l’ouverture de votre compte, à condition qu’il demeure ouvert et en règle.
$150ⓘMilesopedia first-year estimateFirst-year valueAnnual fee rebated$150Total$150Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueAnnual fee rebated$150Total$150Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With Milesopedia, take advantage of an exclusive offer: your first-year annual fees are refunded with the National Bank World Elite Mastercard. This offer is exclusively available on the Milesopedia network, from June 30 to November 4, 2026.
Refund of the first-year annual fee (a $150 value) for the primary cardholder. This fee is charged to your new card account, then refunded 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
Airline ticket 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.
Legal
® Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. National Bank is an authorized user.
® The À LA CARTE REWARDS logo is a registered trademark of National Bank of Canada.
® NATIONAL BANK OF CANADA LOUNGE is a registered trademark of National Bank of Canada.
® À LA CARTE REWARDS PLAN is a registered trademark of National Bank of Canada.
® Apple Pay is a registered trademark of Apple Inc., registered in the U.S. and other countries. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions.
® Google Pay is a registered trademark of Google LLC. Use of this trademark is subject to Google Inc. Permissions.
TM À LA CARTE TRAVEL is a trademark of National Bank of Canada. The À la carte Travel agency is owned by Transat Distribution Canada Inc. and holds a Quebec permit (No. 753141).
TM À LA CARTE REWARDS is a trademark of National Bank of Canada.
® THE TOTAL, THE CONNECTED and NATIONAL BANK are registered trademarks of National Bank of Canada.
* Mastercard® World Elite®
The National Bank® World Elite® Mastercard® credit card was voted best Mastercard credit card by Milesopedia in 2026, 2025 and 2024.
The National Bank® World Elite® Mastercard® credit card was voted best travel credit card by Milesopedia in 2026, 2025 and 2024.
Every year, Milesopedia reviews credit card offers from major financial institutions and establishes its Ranking based on over 150 criteria such as fees, welcome offer, minimum income required, number of points per category, account credits, insurance, airport lounge access, etc.
Certain restrictions apply. For more information, see the Rewards Plan section or the Plan Rules applicable to point accumulation.
Grace period: No interest is charged on purchases made during the month if the cardholder pays the full balance of their account within twenty-one (21) days of the statement date. This grace period does not apply to cash advances and balance transfers. Minimum payment: if your account balance is less than $10, you must pay the balance in full. If you reside in the province of Quebec, your minimum payment is 5% of your account balance plus any overdue amount, or $10, whichever is greater. If you reside outside Quebec, your minimum payment is 2.5% of the credit card account balance plus any overdue amount, or $10, whichever is greater. Account statement: an account statement is sent monthly.
Table of examples of credit fees calculated over a 30-day period
Annual interest rate
$500
$3,000
22.49%
$9.24
$55.45
20.99%
$8.63
$51.76
13.2%
$5.53
$33.16
9.2%
$3.78
$22.68
*Variable interest rate in effect as of September 1, 2021.
Balance transfers and cash advances are subject to National Bank credit approval. Each amount transferred cannot be less than $250.
Exclusive to World Elite Mastercard cardholders. Presentation of the physical credit card and boarding pass is required to access the lounge. The National Bank® Lounge is accessible to customers traveling on international flights only (excluding flights to Canada and the United States). You benefit from free and unlimited access with one guest and two children aged 12 and under. Until July 31, 2026 (date subject to change), customers can enter the National Bank Lounge three hours before their flight departure time. From August 1, 2026 (date subject to change), access will be authorized for a maximum duration of 2 hours (3 hours for customers who hold a Private Banking 1859® World Elite® Mastercard® credit card). National Bank customers who are not World Elite ® Mastercard ® cardholders can also access the current lounge based on current rates and benefit from a 25 % discount on these rates : 63,24 $ taxes included for adults (excluding discount) $40.24 taxes included for children aged 2 to 12 (excluding discount) free for children under 2 (excluding discount) The entry fee is subject to change without notice and is the responsibility of the lounge operator.
Subject to providing the required supporting documents in the manner and within the prescribed timeframe. Certain conditions may apply. Only the primary cardholder of a National Bank World Elite Mastercard (Cardholder) whose account is in good standing can request a « Travel Fee Reimbursement ». « Account in good standing » means an account linked to the credit card that does not violate the Credit Card Agreement in any way and on which no restrictions apply. For example, and without limitation, the associated annual fees must have been paid in full. The maximum reimbursement of $150 can be requested from January 1 to December 31 of each year. Eligible expenses are: airport parking baggage fees seat selection airport lounge access worldwide airline ticket upgrades A reimbursement request must be made within 60 days of the purchase date. Travel expenses must be charged to the National Bank World Elite Mastercard credit card account. The maximum reimbursement of $150 is applicable per account. Please allow up to 7 business days for the reimbursement to be processed from the date your request is submitted. National Bank reserves the right to request additional supporting documents for validation purposes (e.g., invoices). You must keep all receipts and supporting documents for a period of 12 months from the date you made your reimbursement request. An unused reimbursement in one year cannot be carried over to the next year. You can make your request online at rewards.nbc.ca or by calling 1-800-341-8083 (toll-free) for an agent to assist you with your travel fee reimbursement request.
Point accumulation on grocery and restaurant spending depends on the total gross monthly amount charged to the credit card account, across all categories. Earn 5 points per dollar spent on eligible grocery and restaurant purchases. The 5 points per dollar accumulation is valid for the first $2,500 of gross monthly purchases charged to the account. Beyond this amount, eligible grocery and restaurant spending will earn 2 points per dollar. The calculation of the gross monthly purchase amount is based on monthly billing. A grocery purchase means a purchase made at a merchant whose primary business is selling food, such as a grocery store, delicatessen, supermarket, fruit store, or specialty food store. Meal kit subscriptions and meal delivery services are eligible. Therefore, this definition excludes, among others, retail stores and big-box stores whose primary business is selling non-food items. Some merchants may sell products or services identical or similar to those of eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made from other merchants only earn base reward points. A restaurant purchase means a purchase made at a restaurant, including quick-service restaurants, bars, discotheques, nightclubs, and taverns. To view the full list of Mastercard codes associated with eligible merchants, download the À la carte Rewards Plan® terms and conditions document.
These protections apply if the purchases or rental are paid for in part with the card before departure, except, if applicable, for out-of-province medical-hospital insurance for which it is not necessary to charge the purchase of an à la carte trip and for baggage delay protection where the full cost of transport must have been charged to the card. All these protections apply to the primary cardholder, their spouse and/or their dependent children when they (spouse and dependent children) travel with the cardholder. Extended warranties apply to most new items purchased with the card, in Canada or abroad, provided the manufacturer’s warranty exists and is valid in Canada. Certain conditions, limitations and restrictions apply. For more information and details regarding your insurance coverage, please consult the insurance certificate linked to your card.
Subject to credit approval by National Bank.
Certain conditions apply. Visit mastercard.ca for more information. See all credit card terms and conditions.
To earn 2 points per dollar spent, you must pay for your gas or electric charging purchases at a gas station or certain big-box stores. Some merchants may sell products or services identical or similar to those of eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made from other merchants only earn base reward points. To view the full list of Mastercard codes associated with eligible merchants, download the À la carte Rewards Plan® terms and conditions document.
Recurring bill payments are defined as payments made monthly or regularly that are automatically charged by the merchant to your National Bank World Elite Mastercard. Not all merchants offer recurring payments, and not all recurring payments are considered recurring bill payments. Therefore, some payments may not qualify for accelerated reward points.
To earn 2 points per dollar spent, you must pay for your eligible purchases through the À la carte TravelTM agency section of our À la carte RewardsTM site.
For example, if you spend $400 monthly on groceries, $200 on gas, $100 on recurring bills and $150 on other purchases, the $850 spent will generate 2,750 points, broken down as follows: 2,000 points for grocery spending (since the total gross monthly amount is $850, which is less than $2,500), 400 points for gas spending, 200 points for recurring bills and 150 points for other purchases.
Insurance up to $1,000 in case of breakage, loss or theft of mobile devices for a maximum period of 2 years following the date of purchase. Subject to purchasing the device with the National Bank World Elite Mastercard or a phone service subscription paid by recurring payments from your National Bank Platinum Mastercard starting September 1, 2022. For all conditions, please consult the insurance certificate linked to your card.
Annual fee
Primary card$150
Additional card$50
Annual income required
Individual$80,000
Household$150,000
Conversion fees
2.5%
Earning rate
5xRestaurants
5xGroceries
2xTravel
2xBills & recurring payments
2xGas & EV
1xAll spending
Value
1st Year Value$778
2nd Year Value$923
Card benefits
Airport lounge access$400
Travel creditsIncluded
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 60 days
Travel medical (55-64)Up to $5,000,000 / 31 days
Travel medical (65+)Up to $5,000,000 / 15 days
Trip CancellationUp to $2,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $500
Lost BaggageUp to $1,000
Flight DelayUp to $500
Travel AccidentIncluded
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+2 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental CollisionUp to $65,000 / 48 days
Carte Cobaltᴹᴰ American Express
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.
La prime de bienvenue est répartie mensuellement pendant les 12 premiers mois. Ainsi, vous obtenez 1 250 points-privilèges après 750 $ d’achats portés sur votre carte dans le mois (que ce soit en catégorie 1X, 2X, 3X ou 5X). Soit jusqu’à 15 000 points-privilèges.
Vous pourrez facilement utiliser ces points en crédit au compte pour vos achats de tous les jours ou de voyages. La valeur est la même: 1 000 points = 10 $.
Ou bien, vous pouvez les transférer en points Aéroplan, Avios (British Airways / Qatar Airways), Flying Blue, Marriott Bonvoy ou Hilton Honors.
Par exemple, avec cette offre de bienvenue, si vous décidez de transférer vos points-privilèges vers un programme de fidélité partenaire, vous auriez le choix d’obtenir jusqu’à:
15 000 points Aéroplan
15 000 points Avios
15 000 Miles Flying Blue
18 000 points Marriott Bonvoy
Avec la Carte CobaltMD American Express, vous pouvez obtenir entre 1 et 5 points par dollar :
Catégorie
Points par dollar
Épicerie (Métro, IGA, Sobeys, Super C, etc.)
5
Livraison de nourriture à domicile
5
Restaurants et bars
5
Dépanneurs
5
Services de diffusion en continu
3
Station-service
2
Transports
2
Voyages
1
Autres
1
Cela représente un retour de 1 à 5 % sur tous ces achats.
Par exemple, si vous dépensez 1 000 $ par mois pour des achats d’épicerie et/ou de restaurants et/ou de livraison de nourriture, vous obtiendrez 50 $ de remise en argent par mois, soit 600 $ de remise en argent par an avec cette carte pour cette catégorie d’achats!
Et si vous décidez de transférer vos points vers d’autres programmes comme Aéroplan, vous pourriez retirer encore plus de valeur!
De plus cette Carte procure d’excellentes assurances: vol et dommages pour voitures de location, retard de bagages, perte ou vol de bagages, retard de vol, accident de voyage de 250 000 $, cambriolage à l’hôtel ou au motel, Assurance Appareils Mobiles, Garantie-Achat, Garantie Protection-Achat.
Comme toutes les Cartes d’American Express Canada, aucun revenu minimum n’est exigé.
$255ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Apply with confidence — no impact on your credit scoreⓘApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
The American Express Cobalt® Card is the best credit card from American Express, whether you want points for travel or cash back.
American Express Cobalt® Card welcome offer
The welcome bonus is paid out monthly over your first 12 months. You earn 1,250 Membership Rewards points for each monthly billing period in which you charge $750 in net purchases to your card, in any category (1X, 2X, 3X or 5X). That adds up to 15,000 Membership Rewards points over the year, a welcome offer we value at $255.
Earning the full bonus means $9,000 in net purchases spread across 12 monthly billing periods. This offer rewards steady monthly spending rather than one large purchase.
You can use these points as statement credits on everyday or travel purchases, at the same rate either way: 1,000 points = $10.
You can also transfer them to Aeroplan, Avios (British Airways and Qatar Airways), Flying Blue, Marriott Bonvoy or Hilton Honors. With the full welcome bonus, that is a choice between:
Here is what the card gives you, starting with the benefits cardholders use most.
5X points on eligible eats and drinks in Canada: groceries, restaurants and bars, home food delivery and convenience stores. A spend cap applies.
3X points on eligible streaming subscriptions in Canada.
2X points on eligible gas, public transit and ride sharing purchases in Canada.
1 additional point on eligible hotel and car rental bookings made through American Express Travel Online.
1X point per dollar on everything else, with no category restrictions.
Points that hold the same value either way: 1,000 points = $10 as a statement credit, or a 1:1 transfer to several airline and hotel loyalty programs.
No minimum income requirement, as with every American Express Canada card.
Additional cards at no extra cost: the first and every other supplementary card is $0.
The Hotel Collection: a room upgrade when available, 12pm check-in and late check-out when available, and up to $100 USD in hotel credit on amenities charged to the room for a stay of two or more consecutive nights, booked through American Express Travel.
Front Of The Line® presale and reserved tickets for concerts and theatre performances, plus offers and events curated for cardmembers through Amex Experiences.
A soft credit check before you apply: you can see whether you will be approved with no impact to your credit score. This applies to American Express personal card applications.
The 5X rate is the reason most people carry this card. In Canada it covers four kinds of merchants:
Groceries: Metro, IGA, Sobeys, Super C, Safeway, Whole Foods.
Restaurants and bars: sit-down meals, takeout and drinks.
Home food delivery.
Convenience stores: Couche-Tard, 7-Eleven.
The 2X rate covers gas stations such as Esso, Shell and Petro-Canada, along with public transit and ride sharing.
With the American Express Cobalt® Card, you earn between 1 and 5 points per dollar:
Category
Points per dollar
Grocery (Metro, 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
That works out to a 1 to 5% return on those purchases. For example, if you spend $1,000 per month across groceries, restaurants and food delivery, you earn $50 back per month, or $600 per year from that category alone. Transfer the points to a program such as Aeroplan instead and the return can be higher.
The card comes with a broad insurance package. The amounts below are the coverage limits; conditions, age limits and exclusions are set out in the certificate of insurance linked in the Insurance section above.
Travel insurance
Emergency medical: up to $5,000,000 for the first 15 days of a trip.
Travel accident: accidental death and dismemberment of up to $250,000 for you, your spouse and dependent children under age 23 when travelling on a common carrier (plane, train, bus or ship) and the tickets are charged to your card. Supplementary cardholders and their families are covered too.
Flight delay: up to $500 for necessary hotel, meal and sundry expenses bought within 48 hours when you are delayed or denied boarding for four hours or more and no other transportation is available. This $500 is an aggregate limit per occurrence, shared with missed connection and delayed baggage coverage.
Delayed baggage: up to $500 for essential clothing and sundries bought within four days when your outbound luggage is delayed six hours or more. This $500 is an aggregate limit per occurrence, shared with missed connection and flight delay coverage.
Lost or stolen baggage: up to $500 per occurrence for all insured persons combined, for checked or carry-on baggage and personal effects in transit, when the airline tickets are charged to your card. Within that limit, jewellery is capped at $300 per occurrence and golf clubs, including golf bags, at $250 per occurrence.
Hotel and motel burglary: up to $500 against the loss of most personal items if your hotel or motel is burglarized, when the stay is charged to your card.
Rental car insurance
Theft and damage coverage is included for a rental car with an MSRP, for its model year, of up to $85,000 excluding all taxes, for rentals of up to 48 days. To use it, decline the Loss Damage Waiver (LDW) or any similar option from the rental company and charge the full rental to your card. There is no cost for this coverage, and it replaces the daily insurance the rental company charges, usually $16 to $23 per day.
Mobile device insurance
Your device is covered for up to $1,000 per occurrence when it is charged to the card, for up to two years from the date of purchase. The payout is based on the depreciated value of the device, which falls by 2% of the purchase price for every completed month, less a 10% deductible. Theft and accidental damage coverage starts on the 91st day after purchase, because the first 90 days are covered by purchase protection.
Purchase protection and extended warranty
Eligible items charged to your card are insured against accidental physical damage or theft for 90 days from the purchase date, up to $1,000 per occurrence for all items combined. The card also extends the original manufacturer’s warranty by up to one additional year on eligible items, with indemnification limited to $10,000 per insured item and $25,000 per Cardmember per policy year for all items combined.
American Express Cobalt® Card fees
Card fee: $15.99 per month, which equals $191.88 per year, for residents outside Quebec. Quebec residents are billed $191.88 per year.
Additional cards: $0.
Purchase interest rate: 21.99%.
Cash advance interest rate: 21.99%.
Foreign transaction fee: 2.5%.
Minimum income required: none.
Because the fee is billed monthly rather than in one annual charge, you can stop and restart the cost in step with how much you are actually using the card.
Legal
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.
Annual fee
Primary card$191.88
Additional card$0
Annual income required
Individual$0
Household$0
Conversion fees
2.5%
Earning rate
5xRestaurants
5xGroceries
5xConvenience
3xStreaming
2xTransit
2xGas & EV
1xAll spending
Value
1st Year Value$1,828
2nd Year Value$799
Transfer partners
AeroplanAirline
British Airways ClubAirline
Cathay Asia MilesAirline
Etihad GuestAirline
Flying BlueAirline
Hilton HonorsHotel
Marriott BonvoyHotel
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $250,000
Purchase protection
Purchase ProtectionUp to $1,000 / 90 days
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental Collision (primary)Up to $85,000 / 48 days
Carte Mastercard Neo World Eliteᴹᴰ – Essence et épicerie
Maximisez vos récompenses avec la Carte Mastercard Neo World EliteMD – Essence et épicerie. Obtenez jusqu’à 5 % de remise en argent sur l’épicerie, 4 % sur les paiements récurrents, 3 % sur l’essence et la recharge de véhicule électrique, et 1 % partout ailleurs.
Bénéficiez d’assurances complètes incluant la garantie prolongée, la protection des achats et des assurances voyage. De plus, obtenez un abonnement à DragonPass pour accéder aux salons d’aéroport à travers le monde.
Avec une limite de crédit instantanée allant jusqu’à 30 000 $ et des remises supplémentaires chez plus de 10 000 partenaires Neo, vos dépenses essentielles deviennent plus rentables.
Les assurances voyage ne sont pas offertes aux résidents du Québec. L’abonnement DragonPass est inclus; des frais s’appliquent à chaque visite de salon.
$249ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$100Annual fee rebated$149Total$249Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$100Annual fee rebated$149Total$249Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Exclusive offer (until October 12, 2026): $149 annual fee waived for the first year, plus $100 cash back after $1,500 in eligible purchases within the first 3 months.
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.
Legal
Conditions Apply. See the application for complete details.
Annual fee
Primary card$149
Annual income required
Individual$80,000
Household$150,000
Conversion fees
2.5%
Earning rate
5xGroceries
4xBills & recurring payments
3xGas & EV
1xAll spending
Value
1st Year Value$904
2nd Year Value$463
Travel insurance
Travel MedicalUp to $1,000,000 / 14 days
Trip CancellationUp to $1,000
Trip InterruptionUp to $1,000
Delayed BaggageUp to $1,000
Lost BaggageIncluded
Flight DelayUp to $250
Hotel BurglaryUp to $1,000
Purchase protection
Purchase ProtectionUp to $1,000 / 90 days
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 48 days
Carte de crédit Mastercardᴹᴰ World Eliteᴹᴰ Récompenses MBNA
Avec la Carte MastercardMD récompenses MBNA World EliteMD, vous pouvez obtenir 5 points par dollar d’achats pour :
les restaurants
les achats à l’épicerie
les médias numériques (Netflix, Spotify, etc.)
les abonnements
les services publics de ménage (électricité, etc.)
Partout ailleurs, vous obtiendrez 1 point par dollar.
De quoi faire de la Carte MastercardMD récompenses MBNA World EliteMD, la meilleure carte de crédit MBNA pour les restaurants, l’épicerie, les médias numériques, les abonnements et les services publics de ménage.
Sachant par exemple que les Supercentres Walmart sont reconnus du côté de Mastercard comme des épiceries, c’est donc la meilleure carte de crédit pour les clients Walmart !
De plus, en fonction de votre province de résidence, vous obtiendrez une prime de bienvenue comprise entre 20 000 et 30 000 points, soit une valeur de 200 à 300 $ !
Et chaque année, vous bénéficierez d’une prime pour anniversaire de 10 % sur l’ensemble des points accumulés dans les 12 mois précédents, jusqu’à concurrence de 15 000 points.
$300ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$300Total$300Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$300Total$300Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
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.
Legal
††, ‡, ✪, ***, ††††, Terms and Conditions apply.
Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information about this MBNA credit card, click on the « Apply Now » button.
The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank.
Annual fee
Primary card$120
Additional card$0
Annual income required
Individual$80,000
Household$150,000
Conversion fees
2.5%
Earning rate
5xGroceries
5xRestaurants
5xBills & recurring payments
5xStreaming
5xTelecom
1xAll spending
Value
1st Year Value$1,368
2nd Year Value$533
Travel insurance
Travel MedicalIncluded
Trip InterruptionIncluded
Delayed BaggageIncluded
Lost BaggageIncluded
Flight DelayIncluded
Travel AccidentIncluded
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 1 years
Auto Rental CollisionIncluded
Price protectionIncluded
Carte Visa Infinite +* Momentum Scotiaᴹᴰ
La Carte Visa Infinite +* Momentum ScotiaMD est reconnue, année après année, comme l’une des meilleures cartes de crédit offrant des remises en argent au Canada. Milesopedia l’a d’ailleurs élue meilleure carte de crédit remise en argent en 2026.
Actuellement, grâce à cette offre promotionnelle, la Carte Visa Infinite+ Momentum Scotia est sans frais annuels la première année, y compris sur les cartes supplémentaires. Et vous pouvez obtenir 15 % de remise en argent sur tous vos achats pendant les trois premiers mois (jusqu’à 2 000 $ d’achats au total).
Elle inclut également un nouvel avantage pratique pour les voyageurs : profitez de 10 Go de données mobiles mondiales GigSky gratuites pendant 15 jours, ainsi que de l’accès à Travel Essentials pour utiliser des applications essentielles comme la messagerie, les cartes et le courriel lors de vos déplacements. Les titulaires continuent aussi de recevoir 1 Go de données mobiles GigSky gratuites par an, en plus d’un rabais de 20 % sur les futurs achats GigSky.
Avec la Carte Visa Infinite+ Momentum Scotia, vous obtenez :
4 % de remise en argent sur les achats dans les épiceries et sur les paiements périodiques
2 % de remise en argent sur les achats d’essence, les transports en commun, le covoiturage et la livraison de nourriture
1 % de remise en argent sur tous les autres achats
Par exemple, si vous dépensez 1 000 $ par mois pour des achats d’épicerie et/ou des paiements périodiques, vous obtiendrez 40 $ de remise en argent par mois, soit 480 $ par an, avec cette carte, pour cette catégorie d’achats. Et ce, sans compter les autres achats que vous effectuerez avec cette carte et les avantages qu’elle offre (notamment ses excellentes couvertures d’assurance).
Si vous êtes locataire, vous pourriez par exemple utiliser la Carte Visa Infinite Momentum Scotia sur le site de Chexy pour payer votre loyer et obtenir 4 % de remise en argent.
Sachez également que vous pouvez utiliser votre remise en argent en tout temps (le solde de la remise doit être d’au moins 25 $).
$420ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$300Annual fee rebated$120Total$420Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$300Annual fee rebated$120Total$420Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
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).
Also note that you can use your cash back at any time (the cash back balance must be at least $25).
Legal
1 Offer Terms and Description: The 15% cash back, 0% introductory balance transfer rate, and first-year annual fee waiver offer (the “Offer”) applies only to new Scotia Momentum Visa Infinite+ credit card accounts (the “Accounts”) opened, and any additional cards issued, between July 2, 2026, and November 1, 2026 (regardless of the date you apply for the Account), subject to the terms and conditions set out below. We will waive the initial annual fees, for the first year only, for the primary card and for each additional card. The Offer may be changed, cancelled, or extended at any time, without notice, and cannot be combined with any other offer.
Description and Terms of the 15% Cash Back Offer: You will receive 15% cash back on the first $2,000 in eligible purchases charged to your new Account during the three months following its opening date (the “Promotional Period”). Eligible purchases mean purchases, minus refunds, returns, and any similar credits, and exclude payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, and card and other fees. After the Promotional Period, you will earn the usual cash back on your purchases, at the regular rate (the “Program Cash Back Rate”) described in the Scotia Momentum Visa Infinite+ cash back program terms (the “Program Terms”). The 15% cash back rate for each category is the sum of the regular cash back rate (which varies by category) and the bonus cash back rate that varies during the Program Cash Back Rate (the “cash back rate”).
The cash back earned under this offer will be credited to your Account, provided it is open and in good standing on the cash back payment date. 1. Bonus Cash Back Rate: Cash back earned at the Bonus Cash Back Rate may be credited to your Account approximately 5 months following its opening date, or otherwise, in accordance with the Program Terms. 2. Regular Cash Back Rate: Cash back earned at the Program Regular Cash Back Rate may be used as described in the Program cash back.
EXAMPLE: If the Program Regular Cash Back Rate for grocery purchases and recurring payments is 4%, the Bonus Cash Back Rate will then be 11% for that purchase category, so that all eligible everyday purchases in this category will qualify for a total cash back of 15% during the Promotional Period, on the first $2,000 in purchases. If you make eligible everyday purchases at grocery stores and recurring payments totalling $2,000, the cash back credited to your Account for this category will be calculated as follows: (1) a Bonus Cash Back of $220 (11% x $2,000), credited as an adjustment on your statement, and (2) the Regular Cash Back of $80 (4% x $2,000), which will appear on your monthly statements as it is earned.
All other program terms continue to apply during the Offer period.
Description and Terms of the 0% Introductory Balance Transfer Offer: The 0% introductory interest rate offer on balance transfers (the “Rate Offer”) applies only to eligible cash advances (including balance transfers and quasi-cash transactions, collectively referred to as “cash advances”), subject to the conditions below. This introductory rate applies for 12 months from this date (the “Promotional Period”). After the Promotional Period, the interest rate on cash advances covered by the 0% promotional rate (including any outstanding balance of such cash advances at the end of the Promotional Period) will revert to the preferred interest rate applicable to cash advances (currently 22.99%). A fee corresponding to 2% of the amount of any cash advance made during the Promotional Period applies (minimum fee of $5.00).
The Offer is subject to any cash advance limit on your Account. This Offer is also based on your approved credit limit on the date of this Offer. This means that if the sum of transferred balances exceeds the approved credit limit, balance transfers may not be processed. This Offer cannot be used to transfer a balance from another Scotiabank account, nor to make a payment or deposit to another Scotiabank account.
Cancellation of the promotional rate: If we do not receive your minimum payment by its due date shown on your statement twice in a row, you will lose the benefits of this special rate offer and your interest rates will revert to the annual rates normally applicable to your Account (currently 25.99% for purchases and 27.99% for cash advances).
Application of Payments: For residents of Quebec: In general, if one or more interest rates apply to your Account, we apply payments according to the interest rate(s) applicable to the transactions posted to your Account (from highest to lowest rate). For residents outside Quebec: In general, if you make a payment greater than the minimum amount shown on your statement, the difference is applied proportionally to the different groups of charges billed to your Account. Charges are grouped based on the interest rate applicable to them. Your payment cannot be applied to the balance of your choice. Consult your credit card agreement for more information on how payments are applied to your Account.
Description and Terms of the Annual Fee Waiver Offer: We will waive the annual fees, for the first year only, for the primary card and for each additional card issued between July 2, 2026, and November 1, 2026.
Eligibility and Exclusions: You are not eligible for this Offer if you are currently a primary or secondary holder of a Scotiabank personal credit card or have been within the last two years, including if you transfer your balance from a Scotiabank personal credit card account and if you are a Scotiabank employee. Subject to the exclusions mentioned above, holders of a Scotiabank small business credit card are eligible for this Offer. By accepting this Offer, you confirm that you meet all eligibility requirements. We reserve the right to revoke this Offer at any time if we determine that you do not meet the eligibility requirements, including after its acceptance or the opening of the Account.
Rates and Fees: The current annual fees are $120 for the primary card and $50 for each additional card (including those issued for co-account holders and additional cardholders). The current preferred annual interest rates applicable to the Account are: 20.99% on purchases and 22.99% on cash advances. Rates, fees, features, and benefits, which are described in the application disclosure, may be changed.
Annual fee
Primary card$120
Additional card$50
Annual income required
Individual$60,000
Household$100,000
Conversion fees
2.5%
Earning rate
4xGroceries
4xBills & recurring payments
4xTelecom
2xGas & EV
2xTransit
2xStreaming
1xAll spending
Value
1st Year Value$1,212
2nd Year Value$408
Card benefits
Concierge service24/7
Travel insurance
Travel medical (under 55)Up to $1,000,000 / 15 days
Travel medical (55-64)Up to $1,000,000 / 15 days
Trip InterruptionUp to $2,000
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 1 years
Auto Rental CollisionUp to $65,000 / 48 days
Carte Dividendes CIBCᴹᴰ Visa Infinite*
La Carte Dividendes CIBCMD Visa Infinite* est l’une des meilleures cartes de crédit Visa avec remise en argent au Canada.
Avec cette offre, obtenez une valeur pouvant aller jusqu’à 400 $ :
Une prime de bienvenue de 10 % en remise en argent pouvant aller jusqu’à 250 $ (4 premiers relevés)
Une remise en argent de 50 $ à l’établissement d’un paiement préautorisé (4 premiers mois)
Un remboursement des frais annuels de la première année (valeur de 120 $)
Avec cette carte de crédit CIBC avec remise en argent, vous obtenez :
4 % de remise en argent sur les achats d’essence, de recharge de véhicule électrique et d’épicerie admissibles†
2 % de remise en argent sur les achats de transport et de restauration admissibles et sur les paiements périodiques admissibles†
1 % de remise en argent sur tous les autres achats†
Par exemple, si vous dépensez 1 000 $ par mois pour des achats d’épicerie et/ou d’essence et/ou de recharge de véhicule électrique, vous obtiendrez 40 $ de remise en argent par mois, soit 480 $ de remise en argent par an avec cette carte pour cette catégorie d’achats!
Cette carte de crédit CIBC avec remise en argent offre de nombreuses couvertures d’assurance :
Assurance collision/dommages pour les véhicules de location
500 000 $ d’assurance-accident pour les transporteurs publics
Assurance médicale de voyage en cas d’urgence hors de la province
$420ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$300Annual fee rebated$120Total$420Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$300Annual fee rebated$120Total$420Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
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
Legal
This is a digital-exclusive offer.† To be eligible for this offer: 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you. † This offer is reserved for you. Please do not forward it to anyone else.
This offer is reserved for you. Please do not forward it to anyone else. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months.†
† Terms and conditions apply. Click on Apply Now to learn more.
Annual fee
Primary card$120
Additional card$50
Annual income required
Individual$60,000
Household$100,000
Conversion fees
2.5%
Earning rate
4xGas & EV
4xGroceries
2xRestaurants
2xBills & recurring payments
2xTransit
1xAll spending
Value
1st Year Value$1,044
2nd Year Value$391
Card benefits
Concierge service24/7
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 10 days
Actuellement, vous pouvez obtenir jusqu’à 650 $ en valeur, notamment 40 $ de remise en argent chaque mois au cours de votre première année. De plus, vous n’aurez pas à payer les frais annuels de 139 $ la première année.
Également, profitez d’un taux d’intérêt de bienvenue de 0 % sur les transferts de solde pendant 12 mois ainsi que des frais de transfert de solde de 2 %.
4 % sur le transport, y compris le covoiturage, les taxis et le transport en commun*
3 % sur l’essence et les recharges de véhicule électrique*
2 % sur les paiements de factures périodiques*
1 % de remise en argent sur tous les autres achats, sans limite sur le montant des remises que vous pouvez accumuler*
Vous profitez également d’avantages pratiques comme l’adhésion gratuite à Mastercard Travel Pass fourni par DragonPass, les services d’assistance routière sans frais, des rabais sur la location de véhicules auprès de National, Alamo et Enterprise, ainsi que des protections d’assurance voyage et achats complètes.
Enfin, profitez de six mois d’adhésion à Instacart+ et d’un crédit Instacart mensuel de 10 $ lorsque vous vous inscrivez avec votre carte de crédit BMO admissible.
$789ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$650Annual fee rebated$139Total$789Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$650Annual fee rebated$139Total$789Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year*
Earn 1.5% CashBack on ALL card purchases* without restrictions*!
Complimentary membership in Mastercard Airport Experiences provided by LoungeKey*.
Complimentary Roadside Assistance Program*
BMO CashBack World Elite Travel and Medical Protection*
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information*Terms and conditions apply
Legal
*Conditions apply.
BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.
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.
Annual fee
Primary card$139
Additional card$50
Annual income required
Individual$80,000
Household$150,000
Conversion fees
2.5%
Earning rate
5xGroceries
4xTransit
3xGas & EV
2xStreaming
2xBills & recurring payments
1xAll spending
Value
1st Year Value$1,466
2nd Year Value$401
Travel insurance
Travel medical (under 55)Up to $2,000,000 / 8 days
Travel medical (55-64)Up to $5,000,000 / 8 days
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 48 days
Carte sélecte RemiseSimpleᴹᴰ d’American Express
La Carte sélecte RemiseSimpleMD d’American Express est la seule carte de crédit au Canada permettant d’obtenir 2 % de remise en argent sur tous les achats. En plus, vous pouvez obtenir :
4 % de remise en argent dans les stations-service
4 % de remise en argent dans les épiceries
Grâce à cette offre de bienvenue, vous pouvez obtenir 10 % de remise en argent sur tous vos achats (jusqu’à concurrence de 2 000 $) lors des 3 premiers mois, soit jusqu’à 200 $. De plus, recevez un crédit de 50 $ sur votre compte après avoir effectué un achat au cours du 13e mois.
La Carte sélecte RemiseSimpleMD d’American Express est particulièrement appréciée par celles et ceux qui ont d’importants achats à faire : rénovations, achats de meubles ou d’appareils électroménagers puisqu’elle offre 2 % dans tous les commerces.
Cette Carte se distingue par les nombreuses assurances offertes : vol et dommages pour voitures de location, accident de voyage de 100 000 $ , frais médicaux d’urgence (hors de la province ou du pays), perte ou vol de bagages, retard d’avion et bagages mal acheminés, cambriolage à l’hôtel ou au motel, Protection-Achat, Garantie-Achat.
Comme toutes les Cartes d’American Express Canada, aucun revenu minimum n’est exigé.
$250ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$250Total$250Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$250Total$250Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Apply with confidence — no impact on your credit scoreⓘApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
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.
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American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and up-to-date product information, click the « Apply Now » link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.
Annual fee
Primary card$119.88
Additional card$0
Annual income required
Individual$0
Household$0
Conversion fees
2.5%
Earning rate
4xGroceries
4xGas & EV
2xAll spending
Value
1st Year Value$910
2nd Year Value$528
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $100,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days
Carte Visa Infinite +* Passeport Banque Scotia🅪
Avec cette offre de bienvenue pour la Carte Visa Infinite +* Passeport Banque ScotiaMC, vous obtenez 25 000 points Scène+ en prime de bienvenue après avoir porté 2 000 $ d’achats à votre compte au cours des trois premiers mois.
De plus, chaque année, obtenez une prime annuelle d’au moins 10 000 points Scène+ lorsque vous portez au moins 40 000 $ d’achats à votre compte. Au total, l’offre représente jusqu’à 35 000 points Scène+ et une valeur pouvant atteindre 1 250 $ la première année en incluant les récompenses, les économies sur les frais de transaction à l’étranger et l’accès aux salons d’aéroport.
Avec la Carte Visa Infinite +* Passeport Banque Scotia, vous obtenez 3 points par dollar d’achat dans les épiceries Sobeys, IGA, Safeway, Foodland et les coopératives participantes, et 2 points par dollar d’achat dans les autres épiceries, les restaurants, les divertissements admissibles et le transport quotidien admissible. Vous obtenez 1 point par dollar sur tous vos autres achats courants.
Ces points peuvent être utilisés contre tout achat de voyage au taux de 1 000 points = 10 $ (billets d’avion, hôtels, tout-inclus et même Airbnb), ou comme remise en argent avec Scène+ au même taux.
La Carte Visa Infinite +* Passeport Banque Scotia offre également :
Aucuns frais pour les transactions en devises étrangères
6 accès gratuits aux salons VIP d’aéroport
D’excellentes assurances pour vos voyages et vos achats
Un service de conciergerie Visa Infinite*
Nous avons élu cette carte de crédit comme la Meilleure carte de crédit sans frais de conversion en 2024, 2025 et 2026.
$350ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$350Total$350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$350Total$350Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With this welcome offer for the Scotiabank Passport Visa Infinite +* Card +* CardMC, you’ll earn 25,000 welcome bonus Scene+ points after charging $2,000 in purchases to your account within the first three months.
Plus, every year, earn an annual bonus of at least 10,000 Scene+ points when you charge at least $40,000 in purchases to your account. In total, the offer represents up to 35,000 Scene+ points and a value of up to $1,250 in the first year, including rewards, savings on foreign transaction fees and airport lounge access.
With the Scotiabank Passport Visa Infinite +* Card, you earn 3 points per $1 spent at Sobeys, IGA, Safeway, Foodland and participating Co-ops, and 2 points per $1 spent at other grocery stores, restaurants, eligible entertainment and eligible daily transit. You earn 1 point per $1 on all your other everyday purchases.
These points can be redeemed against any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb), or as cash back with Scene+ at the same rate.
The Scotiabank Passport Visa Infinite +* Card also offers:
No fees for foreign currency transactions
6 complimentary airport VIP lounge passes
Excellent insurance for your travels and purchases
Visa Infinite* Concierge Services
We have named this credit card the Best Credit Card with No Foreign Transaction Fees in 2024, 2025, and 2026.
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* The potential value of savings and rewards during the first 12 months includes the value of the welcome offer, the potential value of points earned in the first year, the value of savings on foreign currency transaction fees and the cost of airport lounge access as of May 22, 2026:
$250 in travel rewards (25,000 bonus Scene+ points) for new Scotiabank Passport® Visa Infinite +* Cardholders who charge $2,000 in purchases to their account within the first three (3) months;
$100 in travel rewards (10,000 bonus Scene+ points) for cardholders who charge $40,000 in purchases to their account;
$50 in savings from the annual fee waiver on the first additional card for new Scotiabank Passport Visa Infinite +* Card credit card account holders;
$132 in savings on foreign currency transaction fees based on the average amount of foreign currency purchases made per active account over the past 24 months (by saving on the 2.5% foreign currency transaction fees typically charged by other credit card issuers);
$364 representing the potential value of points earned in the first year (36,400 Scene+ points) based on the average amount of purchases made per active account over the past 24 months, assuming an average spend of 21% of purchases in categories eligible for accelerated earn rates of 2X and 3X points;
$358 representing the value of complimentary membership in the Visa Airport Companion program which includes 6 airport lounge passes (based on « Preferred » membership valued at approximately $357 CAD/$259 USD). Based on the exchange rate in effect on May 22, 2026.
Maximum potential value after the first year = $1,254 (rounded to $1,250)
The actual value of offers, savings realized and points earned will vary depending on card usage and eligibility for applicable offers. Conditions apply.
1 Offer description and conditions: The 25,000 Scene+ points offer (the « offer ») applies only to new Scotiabank Passport Visa Infinite +* Card credit card accounts (the « accounts ») opened between August 4, 2026 and November 1, 2026 (regardless of the date you apply for the account) subject to the conditions below. The offer may be modified, cancelled or extended at any time without notice, and it cannot be combined with any other offer.
In addition, as a Scotiabank Passport Visa Infinite +* Cardholder, you are eligible for an annual bonus of 10,000 Scene+ points if you charge at least $40,000 in eligible everyday purchases to your Scotiabank Passport Visa Infinite +* Card account over the course of one year. Conditions apply; see below for more details.
Description and conditions of the 25,000 bonus Scene+ points offer: To be eligible for the 25,000 bonus Scene+ points offer (« 25,000 bonus points »), you must charge at least $2,000 in total eligible purchases to your account within the first three months following the account opening date.
Conditions for the annual 10,000 Scene+ points bonus: As a Scotiabank Passport Visa Infinite +* Card credit cardholder, you can earn an annual bonus of at least 10,000 Scene+ points (the « annual points bonus ») if you charge at least $40,000 in eligible purchases to your account over the course of one year (12-month period). The annual period begins on the account opening date; a new period starts again every twelve months thereafter. If you replace another Scene+-eligible credit card with the Scotiabank Passport Visa Infinite +* Card (i.e., it is not a new card or an additional card), the opening date of your original account will be carried over to your new Scotiabank Passport Visa Infinite +* Card account and your annual period under this offer will begin on the next anniversary date of your original account opening. For example, if you originally opened a Scotiabank Gold American Express® Card account on January 15, 2022 and you switch to the Scotiabank Passport Visa Infinite +* Card on July 15, 2025, your annual period under the 10,000 Scene+ points annual bonus offer will begin on January 15, 2026 (your next anniversary date) and a new period will start again on January 15 each year thereafter. You will earn 2,000 bonus Scene+ points for each additional $10,000 in purchases made during the same year once you have reached the $40,000 annual purchase threshold.
Eligible purchases means purchases, less refunds, returns and any other similar credits, and excludes payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, as well as card fees and other fees.
Fulfillment of the annual points bonus: Bonus points will be credited within approximately eight weeks after you become eligible for a bonus, provided the account is open and in good standing. In the case of a joint account with a primary borrower and a co-borrower, bonus points will be credited as follows: (i) the 25,000 bonus points and the annual points bonus will be credited to the Scene+ account linked to the account of the borrower who made the transaction that reached the eligible purchase threshold ($2,000, or $40,000) within the appropriate timeframe (the first three months, or the first 12 months). If an additional cardholder makes the transaction that reaches the eligible purchase threshold for the 25,000 bonus points, or the annual points bonus, the bonus points will be credited to the Scene+ account linked to the primary borrower’s account. It is possible to transfer points between the Scene+ accounts of a primary borrower, a co-borrower or an additional cardholder by contacting Scene+. An account is in good standing if it is not past due, there is no over-limit, and the cardholder(s) have complied with the terms of the Revolving Credit Agreement that applies to the account. All other program conditions continue to apply during the offer period.
Offer eligibility and exclusions: You cannot take advantage of the offer if you are currently a primary or secondary cardholder of a Scotiabank personal credit card or have been one in the past two years, including if you transfer your balance from an existing Scotiabank personal credit card account, and if you are a Scotiabank employee. Subject to the exclusions mentioned above, small business credit cardholders are eligible for this offer.
Rates and fees: The annual fees are $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to joint account holders and additional cardholders). The preferred annual interest rates applicable to the account are as follows: 20.99% on purchases and 22.99% on cash advances (including balance transfers and quasi-cash transactions). The rates, fees, and features and benefits, which are described in the disclosure statement accompanying the application, may be changed.
Annual fee
Primary card$150
Additional card$50
Annual income required
Individual$60,000
Household$100,000
Conversion fees
0%
Earning rate
2xGroceries
2xRestaurants
2xTransit
2xEntertainment
1xAll spending
Value
1st Year Value$650
2nd Year Value$397
Card benefits
Concierge service24/7
Airport lounge access$240
Travel insurance
Travel medical (under 55)Up to $1,000,000 / 25 days
Travel medical (55-64)Up to $1,000,000 / 25 days
Travel medical (65+)Up to $1,000,000 / 3 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $2,500
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 48 days
Carte World Eliteᴹᴰ Mastercardᴹᴰ PCᴹᴰ
La carte World Elite Mastercard PC offre actuellement un bonus de bienvenue de 20 000 points PC Optimum après avoir dépensé 50 $ dans les deux premiers mois, sans frais annuels. Avec cette carte, vous obtenez :
4,5 % de remise en points chez chez PharmaprixMD et Shoppers Drug MartMD
3 % de remise en points dans les supermarchés de l’enseigne Loblaw, y compris LoblawsMD, No FrillsMD, Real Canadian SuperstoreMD, MaxiMD, et chez Joe Fresh
Au moins 3 ¢ par litre de remise en points par litre d’essence chez Esso et Mobil
1 % de remise en points par dollar d’achats partout ailleurs
C’est-à-dire que vous obtenez entre 1% et 4,5 % de retour sur vos achats effectués auprès des commerces PC Optimum. Vous pouvez ensuite utiliser vos points pour des rabais à la caisse ou les convertir en crédit de 7 $ par tranche de 10 000 points directement sur votre solde de carte.
De plus, cette carte inclut une assurance médicale en voyage, une assurance collision pour véhicules de location, un service de concierge et une assurance-achats de 90 jours — des avantages rares pour une carte sans frais annuels.
$20ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$20Total$20Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$20Total$20Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
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.
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All rates and fees for the PC® Mastercard®.
Offer valid for new President’s Choice Financial® Mastercard® cardholders who apply by December 31, 2026. Earn a one-time bonus of 20,000 PC Optimum™ points when you spend $50 CDN or more in total qualifying purchases at participating Loblaw banner grocery stores, The Mobile Shop™ stores, Joe Fresh® stores, Shoppers Drug Mart® stores, Pharmaprix® stores, Esso™ or Mobil™ stations in Canada within 60 days of account approval. Visit pcoptimum.ca for participating stores. Qualifying purchases must be made with your new PC Financial® Mastercard®. Date of account approval is the date of the PC Financial® email confirming that your PC Financial® Mastercard® is approved.
Qualifying purchases excludes refunds, cash advances, balance transfers, interest charges, fees, credit or debit adjustments. Any refunds or merchant credits received during the offer period will reduce your total purchase amount for the purposes of this offer. Cannot be used with any other promotions or offers. Offer has no cash value. Your President’s Choice Financial® Mastercard® account must be open and in good standing at the time points are awarded. Offer applies to new accounts only. This introductory offer is limited to one per new PC Financial® Mastercard® account and may be terminated or changed at any time without notice. Allow 4-6 weeks from qualifying purchase(s) for bonus PC Optimumᵀᴹ points to be awarded.
1 If you are approved for the Basic Rate PC Financial® Mastercard®, your rates will be as follows. Purchase interest rate: 26.99%, Cash Advance interest rate: 27.97%. The Basic Rate is not available in Quebec. For more information, please refer to the Application Disclosure Summary.
2 Earn a minimum of 10 PC OptimumTM points per dollar on all of your purchases charged to the credit card. Any bonus PC OptimumTM points offers available to all PC Financial® Mastercard® customers are calculated based on the regular earnings rate of 10 PC OptimumTM points per dollar spent. This offer may be terminated or changed at any time.
3 Our grocery stores means affiliated Loblaw banner grocery stores. Visit pcoptimum.ca for details on participating stores where the PC OptimumTM program is offered. Minimum redemption is 10,000 PC OptimumTM points (worth $10 in free rewards) and in increments of 10,000 PC OptimumTM points thereafter, at participating stores. You can redeem the PC OptimumTM points you earn for eligible purchases, or for any other purposes of which we may advise you from time to time. Some redemption restrictions apply. Visit pcoptimum.ca for details and full store list.
4 Points amount shown includes the 10 points per dollar for all purchases with the PC Financial® Mastercard®. In addition, earn at least 10 PC OptimumTM points per purchased litre of gasoline or diesel fuel at EssoTM and MobilTM stations in Canada when you pay with your PC Financial® Mastercard®. You will also earn at least 10 PC OptimumTM points per litre available to all PC OptimumTM loyalty members at EssoTM and MobilTM stations in Canada. Earn an additional 10 points per litre of premium gasoline (Octane 89, 91, 93) at EssoTM and select MobilTM Stations. You could earn even more points at Mobil™ stations located adjacent to a Loblaw banner grocery store. Exact earn rate is available at the station. Should fuel prices fall below $1/L, causing total points per litre awarded to fall below 30 points per litre, points will be topped up to ensure a minimum of 30 points per litre are awarded in all transactions paid with a PC Financial® Mastercard® at EssoTM and MobilTM locations. For full details including how points are awarded to your PC OptimumTM account and rounding rules, visit pcfinancial.ca/en/legal-stuff/pc-optimum-mastercard/.
5 All PC OptimumTM members earn 15 points per dollar on eligible purchases at Shoppers Drug Mart® and Pharmaprix® stores. When you use your PC Financial® Mastercard® you will earn additional points per dollar: 10 points per dollar for PC Financial® Mastercard® cardholders; 20 points per dollar for PC Financial® World Mastercard® cardholders; 30 points per dollar for PC Financial® World Elite® Mastercard® cardholders; and 35 points per dollar for PC InsidersTM World Elite® Mastercard® cardholders.
6 Purchase Assurance and Extended Warranty are underwritten by American Bankers Insurance Company of Florida. Details of coverage, including definitions, benefits, limitations, and exclusions, are outlined in the Certificate of Insurance delivered with your card or included with the Welcome Documents delivered to your online Notification Centre at pcfinancial.ca.
7 Cash advances are accessible only up to your available cash limit and your current cash advance interest rate applies from the date of the transaction.
8 Earn 40 PC OptimumTM points per dollar on qualifying purchases made with a PC InsidersTM World Elite® Mastercard® credit card at participating Loblaw banner stores. For these purchases you will earn the regular 10 PC OptimumTM points per dollar plus an extra 30 PC OptimumTM points per dollar charged on your card(s) for a total of 40 PC OptimumTM points per dollar. Any bonus PC OptimumTM points offers available to all PC Financial® Mastercard® customers are calculated based on the regular earnings rate of 10 PC OptimumTM points per dollar spent.
10 Concierge Services are provided by Assurant Services Canada Inc. (ASCI). Details of service, including definitions, benefits, limitations, and exclusions, are outlined in the Terms and Conditions delivered with your card or included with the Welcome Documents delivered to your online Notification Centre at pcfinancial.ca.
®/TM Trademarks of Loblaws Inc., used under license.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. President’s Choice Bank is a licensee of the marks.
Shoppers Drug Mart®, Pharmaprix® and logos are trademarks of 911979 Alberta Ltd., used under license.
®/TM Esso is a trademark of Imperial Oil Limited. Imperial Oil, licensee. Mobil is a trademark of Exxon Mobil Corporation or one of its subsidiaries. Imperial Oil, licensee.
President’s Choice Financial® Mastercard® is provided by President’s Choice Bank.
The PC OptimumTM loyalty program is provided by President’s Choice Services Inc.
Annual fee
Primary card$0
Additional card$0
Annual income required
Individual$80,000
Household$150,000
Conversion fees
2.5%
Earning rate
45xPharmacy
30xGroceries
10xAll spending
Value
1st Year Value$539
2nd Year Value$336
Travel insurance
Travel medical (under 55)Included
Travel medical (55-64)Included
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 31 days
Carte BMO eclipse Visa Infinite*
Offre exclusive : la Carte BMO eclipse Visa Infinite est l’une des meilleures cartes de crédit Visa Infinite avec récompenses au Canada. Grâce à notre offre exclusive, vous pouvez obtenir jusqu’à 80 000 points de récompense BMO, soit une valeur totale pouvant atteindre 1 200 $.
L’offre de bienvenue comprend aussi un crédit de relevé mensuel pour les services de diffusion en continu, un crédit annuel de 50 $ relatif au style de vie et aucuns frais annuels la première année (une valeur de 120 $).
5x les points de récompense BMO pour chaque dollar dépensé à l’épicerie, les repas livrés ou à emporter, le covoiturage, le transport en commun et l’essence*
1 point de récompense BMO pour chaque dollar dépensé sur tous les autres achats*
10 % plus de points lorsque vous ajoutez un utilisateur autorisé à votre compte*
Une assurance pour appareils mobiles offrant une couverture pouvant aller jusqu’à 1 000 $*
La fonction Pay with Points, qui vous permet d’échanger vos points sur des achats récents à partir de 1 $*
Six mois d’adhésion à Instacart+ ainsi qu’un crédit Instacart mensuel de 10 $ avec une carte admissible*
$589ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$469Annual fee rebated$120Total$589Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$469Annual fee rebated$120Total$589Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.
The BMO eclipse Visa Infinite* Card is one of the best Visa Infinite rewards credit cards in Canada. Its welcome offer lets you earn up to 70,000 BMO Rewards points, for a total value of up to $1,150*.
It also includes a monthly statement credit for streaming services, an annual $50 lifestyle credit, and no annual fee for the first year (a $120 value)*.
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*
Annual fee
Primary card$120
Additional card$50
Annual income required
Individual$60,000
Household$100,000
Conversion fees
2.5%
Earning rate
5xRestaurants
5xGas & EV
5xGroceries
5xTransit
1xAll spending
Value
1st Year Value$1,128
2nd Year Value$365
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 21 days
Travel medical (55-64)Up to $5,000,000 / 21 days
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 1 years
Auto Rental CollisionUp to $65,000 / 48 days
Carte Visa RBC ION+
Avec la Carte Visa RBC ION+, obtenez jusqu’à 28 000 points Avion^, soit une valeur pouvant atteindre 200 $ en cartes-cadeaux†. Présentez une demande d’ici le 4 novembre 2026.
Cette offre comprend :
7 000 points Avion à l’approbation^
14 000 points Avion supplémentaires lorsque vous portez au moins 1 500 $ d’achats admissibles à votre compte dans les 6 premiers mois^
7 000 points Avion à l’anniversaire^
Cette carte de crédit RBC vous permet d’accumuler 3X les points Avion par dollar sur les catégories suivantes1 :
L’épicerie, les restaurants et les livraisons de repas
Les déplacements, l’essence et la recharge pour véhicule électrique
La diffusion en continu, les jeux numériques et les abonnements
Vous obtenez également 1 point Avion par dollar sur tous les autres achats admissibles1.
De plus, économisez 3 ¢ le litre sur le carburant chez Petro-Canada et obtenez 20 % plus de Petro-Points et de points Avion lorsque vous payez avec une carte RBC liée admissible4.
Enfin, profitez d’une assurance appareil mobile3 offrant une protection de deux ans, jusqu’à concurrence de 1 000 $, en cas de perte, de vol, de dommages accidentels ou de panne de votre appareil mobile acheté avec la carte.
$420ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$420Total$420Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$420Total$420Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
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.
Legal
Refer to RBC page for up to date offer terms and conditions
®/™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. ‡ All other trademarks are the property of their respective owner.
^ This offer is only available for new RBC ION+ Visa credit card applications received between June 16, 2026, and November 4, 2026 (“offer period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders (co-applicants and authorized users) of the RBC ION+ Visa card account, as well as current holders of any personal RBC Royal Bank credit card who switch to the RBC ION+ Visa card during the offer period, are not eligible for this offer.
7,000 Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your RBC ION+ Visa credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.
14,000 additional Avion points (“additional points”) will be awarded to you if a total amount of at least $1,500 (“eligible transaction amount”) in net eligible purchases or eligible pre-authorized bill payment transactions (“eligible transactions”) is charged to your RBC ION Visa credit card account within the first six months following your credit card account opening date (“period”), provided your account is open and in good standing at the time the additional points are credited to your credit card account. The additional points will be credited approximately 60 days after you have reached the eligible transaction amount. Eligible transactions exclude cash advances (including balance transfers, cash-like transactions, and bill payments that are not pre-authorized payments set up with a merchant), interest, and other fees. Credits for returns or adjustments that reduce the eligible transaction amount below the $1,500 threshold will cancel your additional Avion points.
The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.
A total of 7,000 additional Avion points (“anniversary points”) will appear on your monthly credit card statement within twelve (12) to sixteen (16) weeks following the first anniversary of your credit card account opening, provided that the account is open and in good standing at the time the anniversary points are credited to the account.
If you close your RBC ION Visa credit card account or switch to another type of RBC Royal Bank credit card before the welcome bonus points, additional points, or anniversary points have been credited to your account, you may no longer be eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify, or withdraw this offer at any time without notice, even if your application has already been approved, including if we have reason to believe that you are manipulating or abusing the process, or engaging in suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For full terms and conditions applicable to the Avion Rewards program, visit www.avionrewards.com or call 1-800-769-2512.
† To obtain gift cards or gift certificates with a value of $200, you need 28,000 Avion points. A minimum of 1,400 Avion points must be redeemed for most $10 gift cards or gift certificates. Some exceptions apply. Point redemption values may vary. For full terms and conditions and restrictions applicable to the redemption of points from the Avion Rewards program, as well as current point redemption values, visit https://www.avionrewards.com/terms or call 1-800-769-2512.
ns or call 1-800-769-2512.
Annual fee
Primary card$48
Additional card$0
Annual income required
Individual$0
Household$0
Conversion fees
2.5%
Earning rate
3xGroceries
3xGas & EV
3xTransit
3xStreaming
3xRestaurants
1xAll spending
Value
1st Year Value$1,380
2nd Year Value$269
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 2 years
Carte Dividendes Platine CIBCᴹᴰ Visa*
Si vous ne répondez pas aux exigences de revenu de la Carte Dividendes CIBCMD Visa Infinite*, vous pourriez demander la Carte Dividendes Platine CIBCMD Visa*. Le revenu annuel minimum requis pour cette carte est de 15 000 $ (familial).
Avec cette offre, obtenez une valeur pouvant aller jusqu’à 400 $ :
Une prime de bienvenue de 10 % en remise en argent pouvant aller jusqu’à 250 $ (4 premiers relevés)
Une remise en argent de 50 $ à l’établissement d’un paiement préautorisé (4 premiers mois)
Un remboursement des frais annuels de la première année (valeur de 99 $)
Avec la Carte Dividendes Platine CIBCMD Visa*, vous obtenez :
3 % sur les achats d’essence, de recharge de véhicule électrique et d’épicerie admissibles†
2 % de remise en argent sur les achats de transport et de restauration admissibles et sur les paiements périodiques admissibles†
1 % de remise en argent sur tous les autres achats†
Et cette carte de crédit CIBC avec remise en argent offre certaines couvertures d’assurance :
Assurance collision/dommages pour les véhicules de location
500 000 $ d’assurance-accident pour les transporteurs publics
$399ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$300Annual fee rebated$99Total$399Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$300Annual fee rebated$99Total$399Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Available from $15,000 in annual (household) income, the CIBC Dividend® Platinum Visa* Card sits below the income requirements of Visa Infinite and World Elite Mastercard tier cards.
With this offer, get up to $350 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
Legal
This is a digital-exclusive offer.† To be eligible for this offer: 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you. † This offer is reserved for you. Please do not forward it to anyone else.
This offer is reserved for you. Please do not forward it to anyone else. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months.†
† Terms and conditions apply. Click on Apply Now to learn more.
Annual fee
Primary card$99
Additional card$30
Annual income required
Individual$15,000
Household$15,000
Conversion fees
2.5%
Earning rate
3xGas & EV
3xGroceries
2xBills & recurring payments
2xRestaurants
2xTransit
1xAll spending
Value
1st Year Value$924
2nd Year Value$364
Travel insurance
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental CollisionUp to $65,000 / 48 days
Carte Mastercardᴹᴰ* BMOᴹᴰ Remises
La Carte Mastercard BMO Remises est une carte de crédit sans frais annuels avec remise en argent. Avec la Carte Mastercard BMO Remises, vous pouvez obtenir 5 % de remise en argent pendant les 3 premiers mois. Cela représente une prime de bienvenue maximale de 125 $ :
5 % de remise sur jusqu’à 500 $ d’achats d’épicerie admissibles, pour une prime de 25 $
5 % de remise sur jusqu’à 500 $ de paiements de factures périodiques admissibles, pour une prime de 25 $
5 % de remise sur jusqu’à 1 500 $ de tout autre achat admissible, pour une prime de 75 $
Ensuite, vous obtenez un taux de remise de:
3 % sur les achats d’épicerie, y compris dans les Supercentres Walmart
1 % sur les paiements de factures périodiques
Vous pouvez également obtenir un taux d’intérêt de bienvenue de 0,99 % sur les transferts de solde pendant neuf mois.
Enfin, profitez de trois mois d’adhésion à Instacart+ et d’un crédit Instacart mensuel de 5 $ lorsque vous vous inscrivez avec votre carte de crédit BMO admissible.
$125ⓘMilesopedia first-year estimateFirst-year valueWelcome bonus$125Total$125Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$125Total$125Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Get a 1.99% introductory interest rate on Balance Transfers for 9 months, 1% fee applies to balance amounts transferred*
No Annual fee*
Receive a discount on car rentals*
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information*Terms and conditions apply
Legal
*Conditions apply.
BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.
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.
For Groceries, compare fees, eligible transactions and the benefits you need. Where rewards points are offered, check redemption options, transfer possibilities and program conditions.
Assess costs beyond the welcome offer
When choosing a credit card in this category, distinguish temporary incentives from ongoing terms. Compare annual fees, transaction charges and benefit requirements.
Use the table for an initial comparison. Read the review of the card that interests you, then the issuer’s terms before applying.
Frequently asked questions — Groceries
How do I compare cards in Groceries?
Compare each offer using the same budget and spending needs. Then review detailed terms to check limits, exclusions and the benefits you can actually use.
How should I choose from the Groceries selection?
Start with your spending and priorities, then compare fees and benefits relevant to your situation. The ranking helps identify options; the best choice can differ from person to person.
Can terms change after publication?
Yes. Offers, fees and eligibility requirements can change. Before applying, check the issuer’s terms linked from the application button, including dates and exclusions.
