Épicerie

Save at the grocery store: the best combinations of rewards programs and credit cards

To the point Start double dipping by redeeming points from top grocery and credit card rewards programs to pay your bill.

Mixing the use of grocery rewards programs WITH credit card rewards is a great way to save money.

Use loyalty points to pay less for groceries

The trick is to use your favorite grocery store’s loyalty card and pair it with your payment method to do double dip !

At Maxi with the PC Optimum program

Earning rate Redeem
PC Optimum Depending on the weekly personalized offers, the offers from the flyer and the selected products

1,000 points = $1 off your bill at checkout

Exchangeable at any time

Offers may include a discount to the member or giving extra points for a certain minimum spend.

PC Optimum offres

By carefully planning purchases at this low-price grocery store, their flyer specials and the app’s weekly offers, rewards accumulate faster.

Here, I got 42,800 points (or $42.80) on a bill of $159.18, including taxes. The next time I go to the checkout counter at Maxi, I will be able to get $42 off from my grocery bill.

But the best thing to do is to wait for the Bonus Redemption Event at Shoppers Drug Mart. On these days, the exchange value is much greater and points are worth even more!

PC Optimum transaction

Then the best move is to pay with a credit card with a high multiplier for grocery store purchases.

Maxi only accepts Visa and Mastercard cards. So, the best credit cards to use at Maxi are :

Grocery Store earning Best for Eligibility Requirements
National Bank World Elite Mastercard 5 points/$1 purchase Save on travel expenses Minimum $80,000 in annual personal income or $150,000 in family income
BMO® CashBack® World Elite®* Mastercard®* 5 % Cash Back Cash back $$ Minimum $80,000 in annual personal income or $150,000 in family income
CIBC Dividend Platinum® Visa* Card 3% Cash Back Cash back $$ Minimum of $15,000 in annual income

The World Elite Mastercard PC card gives you 30 points for every dollar you spend at Maxi. I would have earned 4,775 points, a value of $4.77.

However, much more can be achieved by using :

Card Points and value
National Bank World Elite Mastercard 796 NBC Rewards points (approx. $7 value)
BMO® CashBack® World Elite®* Mastercard®* $ 7.96 cash back

At IGA and its Scene+ program

As of March 23, 2023, the loyalty card linked to IGA is Scene+. Until March 22, 2023, IGA was a partner with AIR MILES.

Earning rate Redeem
Scene+ (since March 23, 2023) Depending on the weekly personalized offers, the offers from the flyer and the selected products

1,000 points = $10 off your bill

Redeemable at any time at the cashier

AIR MILES (Ended on March 22, 2023) 1 thousand/$20 purchase – (Ends March 22, 2023)

95 miles = $10 off the bill

Redeemable at any time at the cashier

(Ended on March 22, 2023)

 

Panier de points Scene

It should be noted that IGA stores are increasingly accepting American Express cards through the Scene+ program. Even the Voilà by IGA online grocery store accepts them!

Grocery Store earning Best for Eligibility requirement
American Express Cobalt® Card 5 points/$1 purchase

Credit to the $ account, thanks to 1,000 Membership Rewards points = $10

and/or

Transfer to air and hotel programs for travel

No minimum income required to obtain the card
Scotiabank Gold American Express® Card 6 points/$1 purchase at IGA, Voilà by IGA, Rachelle-Béry, Les Marchés Tradition, etc

Credit to the $ account, with 1,000 Scene+ points = $10

or

In-store redemption 1,000 Scene + points = $10 off the bill

No minimum income required to obtain the card

The latter is particularly attractive because the redemption rate is 1,000 points for $10 off the bill. It’s exactly the same as the Cobalt, but the Scotiabank Gold American Express® Card earns 1 extra point per dollar spent.

For example, it takes $200 in spending at IGA to earn 1,000 Membership Rewards points with the Cobalt card. While $167 in spending is required at IGA to earn 1,000 Scene+ points with the Scotiabank Gold American Express® Card.

For other credit cards that earn more points than average, there are:

  Grocery Store earning Best for
National Bank World Elite Mastercard: 5 points/$1 purchase Save on travel expenses
BMO® CashBack® World Elite®* Mastercard®* 5 % Cash Back Cash back $$

At Metro and Super C with the Moi card

The Moi from Metro loyalty card earns 1 point for every dollar spent. Each week, the customer must download our personalized offers on the mobile application or in the member profile on the Metro website.

Earning rate Redeem
MOI 1 point/$1 purchase

At all times, when there are a minimum of 500 points in the bank

125 points = $1 off at checkout

As of May 25, 2023, the metro&moi program has changed to the MOI program. The rate of accumulation and the rate of exchange are the same.

Note that Super C does not accumulate any basic MOI points. To earn MOI points at Super C, you need to buy a product specially marked with bonus points.

metro et moi points

Metro supermarkets accept Visa, Mastercard and American Express.

The Moi RBC Visa credit card is linked to the Moi de Metro program. The basic accumulation isone Moi point for every $1. By paying with this card AND scanning the Moi card at the checkout of participating stores will be :

  • One additional Moi point for every $1 spent at Metro, Première Moisson and Brunet in Quebec
  • One additional Moi point for every $1 spent at Jean Coutu stores in Quebec, Ontario and New Brunswick.

Then, for other expenses charged to the account:

  • 2 Moi points per $1 restaurant purchase, gas and electric vehicle charging

Then, Moi points can be used to reduce your bill at Metro, Jean Coutu, Première Moisson, Super C and Brunet. The trick is to spend them and trade them in at a low-cost place, like Super C.

But there’s much better accumulation with other credit cards, so the choice is yours:

Grocery Store earning Best for Eligibility requirement
National Bank World Elite Mastercard 5 points/$1 purchase Save on travel expenses Minimum $80,000 in annual personal income or $150,000 in family income
American Express Cobalt® Card 5 points/$1 purchase

Credit to account $$

1,000 points = $10

and/or

Transfer to air and hotel programs for travel

No minimum income required to obtain the card
BMO® CashBack® World Elite®* Mastercard®* 5 % Cash Back Cash back $$ Minimum $80,000 in annual personal income or $150,000 in family income
CIBC Dividend Platinum® Visa* Card 3% Cash Back Cash back $$ Minimum of $15,000 in annual income

Here is an example of how to earn points for the American Express Cobalt® Card. You’ll notice that the points are multiplied by 5, for the purchases at Metro (and other supermarkets).

mia bda

Costco and its membership card

Costco has an annual cash back program, through the Executive membership card only.

  Earning rate Redeem
Executive Membership Card 2% on every purchase made during the year in the warehouse, on Costco.ca, Costco Travel, etc.

Once a year ($1,000 maximum)

Cash back cheque to be redeemed in the warehouse only

Costco remise exécutif

Costco is in a completely different category. It is classified as a “Warehouse” by all credit cards, not a “Grocery Store”. Then it has no additional multiplier and will be considered as an expense in the Other category.

Costco warehouses only accept Mastercard. Their CIBC Costco Mastercard offers 1% cash back on in-store purchases and 2% cash back on costco.ca purchases.

In addition, a 2% discounted Executive membership card provides additional benefits with the following credit cards:

Grocery Store earning Best for Eligibility and welcome offer
BMO® CashBack® World Elite®* Mastercard®* 1% cash back Cash back $$

Minimum of $80,000 in annual personal income or $150,000 in family income

Up to 10% in the first three months with the welcome offer

Tangerine Money-Back Credit Card 0.5% cash back Cash back $$

Minimum of $12,000 in annual income

Receive an additional 15% discount with their welcome offer

When you are comfortable with this technique, take it to the next level by using the trick ofusing a Visa credit card at Costco, indirectly.

To have the cheapest grocery basket in 2023

Rising grocery store prices can hurt the budget, but there are ways to lessen that impact.

Above all, it is very important to pay your credit card balances in full every month! Otherwise, all your savings will be eaten up by interest charges.

Once you’ve used this double dip trick, take it to the next level with the trick of buying grocery store gift cards for your other expenses.

To find out which grocery store is the cheapest, check out our grocery store comparison. Is Super C, Maxi, IGA, Metro or Walmart the best?

When's the next Metro reward? How do I get a Metro reward?

Following the change to the MOI loyalty program in 2023, you can earn your Metro reward at any time! All you need is at least 500 points in your MOI member account.

Where can I get my Scene+ card? How do I get a Scene+ account or card at IGA?

Future Scène+ members can go to the Courtesy Counter at IGA to pick up a physical card and a registration form.

Another way is to apply online and obtain a virtual card automatically.

Where can I use my Moi card to earn rewards at Metro?

You can collect and redeem points from the new Moi loyalty program at any of the following participating stores in Quebec:

  • Metro (except Metro Coop Fermont grocery store)
  • Super C
  • Jean Coutu pharmacies
  • Brunet pharmacies
  • Première Moisson bakeries

In Ontario and New Brunswick, the Moi program is only available in Jean Coutu pharmacies.

How can I become a member of the PC Optimum loyalty program?

Future members of the PC Optimum program can go to the Comptoir de la Courtoisie at Maxi or to a Shoppers Drug Mart checkout to pick up a physical card and registration form.

You can also apply online and receive a virtual card automatically.

How do I get a Moi.ca membership card?

Future members of the Moi loyalty program can go to the Courtesy Counter at Metro to pick up a physical card and a registration form.

Another easier way is to apply online and get a virtual card automatically.

Which card will replace AIR MILES at IGA?

Since March 2023, the Scene+ loyalty program has replaced the AIR MILES program at IGA.

Come to discuss that topic in our Facebook Group!
Caroline Tremblay
I'm Caroline, a loyalty program specialist! I use my points to travel more often and at a lower price with my spouse and our two children. I'm passionate about writing about the latest rewards news and how to put more points in your pocket.

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