Online Grocery Store

Earn points or cash back with online grocery shopping

To the point By being strategic, you can earn many points or cash back by buying your groceries online in Canada.

Online grocery stores in Canada

In Canada, there are many ways to shop at a supermarket online.

Metro and IGA are the main and oldest ones to offer:

  • online grocery shopping
  • AND home delivery

Other grocery stores also offer it such as Maxi and Provigo with the“PC Express” formula, or

Metro, for American Express card holders

Metro and Super C are the two major grocery stores that accept American Express credit cards.

This allows you to earn a lot of points with certain American Express cards that classify grocery store purchases in a“bonus category“: up to 5 points per dollar with the American Express Cobalt® Card or the American Express Gold Card from Scotiabank.

And that’s in addition to the Metro&Moi points you earn: 1 Metro&Moi point per dollar of purchase in addition to personalized offers.

Metro Grocery Online

IGA, for AIR MILES collectors

IGA has been offering online grocery shopping since 1996.

Since IGA is a partner in the AIR MILES program, you earn 1 AIR MILES mile for every $20 in purchases (in addition to the weekly offers available).

And by using one of the AIR MILES credit cards, it’s possible to do double dip : for example, the BMO® AIR MILES® World Elite®* Mastercard®* allows you to collect 3 AIR MILES Reward Miles per $12 in purchases!

Iga Online Grocery Store

Provigo and Maxi for PC Optimum points

Finally, PC Optimum customers can shop online at Provigo and Maxi. Delivery is available in some regions of Canada.

This allows you to earn 10 PC Optimum points for every dollar spent. And between 10 and 30 PC Optimum points if you use one of the President’s Choice credit cards.

Pc Express Grocery Online

Credit cards for groceries

There are many credit cards in Canada that allow you to earn more points or cash back for groceries.

Cash back with grocery purchases

With annual fee

The Scotia Momentum® VISA Infinite* card earns you 4% cash back on grocery store purchases.

It also offers 4% cash back on periodic payments (bill payments or subscriptions). That includes:

  • insurance premiums
  • utility bills
  • gym memberships
  • video or music streaming services (Netflix, Spotify…)
  • ready-to-cook meal services (Hello Fresh, Chefs Plate, GoodFood…)
  • meal delivery services
  • And more!

And 2% cash back on gasoline and public transportation.

Here is the current offer on this card:

Other good choices of similar cards:

No annual fee

The Tangerine Money-Back Credit Card allows you to earn 2% cash back for grocery store purchases.

To do so, you will have to choose the “Grocery” category from among the ten or so business categories that allow you to earn 2% cash back(up to 3 choices possible).

Here is the current offer on this card:

Also note two other interesting no-fee cards:

supermarket 949913 1280

Travel points with grocery purchases

If you prefer to earn travel points with your grocery purchases, here are the two best credit cards in Canada:

They each offer 5 points per dollar (a 5% return if points are used for travel charged to the card ).

Since they are American Express cards, they can be used at Metro and Super C. Check out this article to find out which one is best for you, based on your needs.

Other cards may be interesting for grocery shopping:

AIR MILES bonus miles with grocery purchases

If you prefer to collect AIR MILES with your grocery purchases, here are the two best credit cards in Canada:

In fact, it’s more interesting for AIR MILES Collectors to shop at Metro and Super C (which accept American Express) with the American Express® AIR MILES®* Platinum Credit Card than by “doubling up” at IGA with another AIR MILES credit card .

In fact,American ExpressMD AIR MILESMD* Platinum card will earn 4 AIR MILES Reward Miles per $20 in grocery purchases at Metro or Super C.

While using the BMO® AIR MILES® World Elite®* Mastercard®* and show your AIR MILES loyalty card at IGA, you will “only” get 2 AIR MILES Reward Miles for every $20 in purchases!

Isn’t it amazing?


Once you’ve set your goal, having the right card for your groceries is essential, knowing that this is where you spend most of your current expenses throughout the year!

It’s a great way to earn travel points or cash back!

Come to discuss that topic in our Facebook Group!
Jean-Maximilien is an expert in Canada and France about Loyalty programs, Credit cards and Travel. He is the Founding President of Milesopedia.

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