Which loyalty program earns the most on groceries?

By combining promotional offers with a Scene+ credit card, the Scene+ program at IGA can provide up to 16% cash back on a grocery purchase. However, these promotions vary from week to week. The MOI program offers a fixed earn rate of 0.8% at Metro, which is more predictable but less generous.

What is the best credit card for groceries in Canada?

The Scotiabank Gold American Express® Card offers 6 Scene+ points per dollar on groceries, which is the highest rate. For a versatile card accepted everywhere, the American Express Cobalt® Card and the National Bank World Elite Mastercard offer 5 points per dollar.

How does the MOI program work at Metro?

The MOI program earns 1 point per dollar spent at Metro, Jean Coutu, Brunet, and Première Moisson. At Super C, points are earned only through personalized offers. Redemption is at a rate of 125 points for $1, with a minimum of 500 points.

Does PC Optimum give base points at Maxi?

No. There is no base earn at Maxi or Provigo. Points are earned only through personalized offers, product promotions, and in-store bonus events. By contrast, at Shoppers Drug Mart, you earn 15 points per dollar spent.

How do I get a Scene+ card at IGA?

You can obtain a physical card at the Courtesy Counter at your IGA. You can also apply online or via the IGA mobile app to automatically receive a virtual card.

Can I use multiple loyalty programs at the same time?

Yes, but each program is specific to its banner. For example, you can earn PC Optimum points at Maxi and MOI at Metro.

Which programs offer the best return with a credit card?

PC Optimum, MOI, and Scene+ offer bonuses when linked to certain credit cards. Return rates vary depending on the card and promotions.

Do points expire if I change cards?

Your points remain in your loyalty account, even if you cancel or change your credit card. However, check each loyalty program’s points-expiry policy.