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Discount and liquidation grocery stores in Quebec and Canada

14 min read
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Discount and liquidation grocery stores in Quebec and Canada
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Food prices in Canada have jumped by more than 20% since 2021. In January 2026, the federal government introduced the Canada Grocery and Essentials Benefit, which replaces the GST/HST credit, with a first payment on June 5, 2026. A sign that pressure on grocery budgets remains high. To reduce the bill, more and more Canadians are turning to discount grocery stores and food liquidation centers.

To save in other ways, consult our 55 best senior discounts.

This guide lists the best discount and liquidation grocery stores in Quebec and Canada. You will find addresses by region, strategies for spotting deals, and the best credit cards to maximize your grocery savings.

Discount grocery store: surplus and unsold items

Several businesses specialize in selling food products at reduced prices. They purchase items from suppliers that do not go through the usual distribution channels. Products vary from week to week, as they may have:

  • Packaging defects: Damaged label, dented box, or printing error, the product remains consumable
  • Near expiry date: The product is approaching its « best before » date but is still good
  • Unsold or downgraded items: Surplus removed from major chain shelves or not meeting aesthetic standards
  • Production surplus: The manufacturer produced more than demand and is liquidating excess stock

Three categories of stores

Food liquidation centers offer the largest discounts (30% to 70%) on well-known brand products. They source inventory surpluses, end-of-lots, or products with approaching dates directly from distributors.

Strong discount grocery stores offer discounts of 20% to 50% while providing a more regular shopping experience. They have a more stable inventory than liquidation centers.

Low-price supermarkets apply a low-price policy all year round with a stable but limited selection. Dollarama and Giant Tiger fall into this category.

The discount grocery market in Canada is growing by approximately 4.7% per year. In 2026, Metro plans to open 12 new discount branches (Food Basics and Super C), while Loblaw is investing $2.4 billion to open 70 new stores, nearly half of which will be in discount format (Maxi and No Frills).

Flyers and social media

Liquidation grocery stores operate differently from traditional supermarkets. Arrivals change constantly. Most of these businesses actively use social media, especially Facebook, to announce their new products. Following their pages remains the best way to spot deals.

Furthermore, even in liquidation, a price is not always a bargain. Compare with other low-price retailers like Dollarama or Walmart before buying in large quantities.

How to shop smart at liquidation stores

Shopping at liquidation stores does not work like a traditional grocery store. Deliveries are unpredictable, so the best approach is to go often and stay flexible with your meal plan. Here’s how to get the most out of it.

  • Go early and regularly: the best products sell out quickly, and inventory changes from week to week.
  • Inspect every item: check the packaging and, above all, the date before adding it to your cart.
  • Plan to freeze: a near-expiry product bought in bulk will keep if you put it in the freezer as soon as you get home.
  • Compare the unit price: a low price is not always a bargain. Compare per 100 g or per litre with Dollarama or Walmart before buying in bulk.
  • Bring your bags and cash: many liquidation stores do not provide bags, and some accept only cash or debit.

From a food safety standpoint, the « best before » date is about quality, not safety: many products remain good after it. Be more cautious with perishable foods such as meat, poultry, fish, eggs, and dairy products. Canned goods, dry goods, and frozen foods offer a much wider margin. When in doubt, trust your senses and consult the MAPAQ guide.

Anti-food-waste apps

Liquidation also exists in digital form. A few free apps provide access to unsold items from stores near you, often at 50% off or more.

  • Flashfood: surplus and near-expiry products from supermarkets (including Maxi and Provigo in Quebec) at reduced prices, for in-store pickup.
  • FoodHero: unsold items from Quebec grocery stores at up to 70% off, reserved directly in the app.
  • Too Good to Go: surprise bags of unsold items from local businesses (bakeries, restaurants, grocery stores) at a low price.

Most credit cards categorize these purchases as « grocery, » so you earn points in addition to the discount. To go further, see our guide on saving on groceries.

Credit cards for groceries

Supplement your liquidation purchases with a visit to a regular supermarket for the rest of your needs. Use your loyalty program points to reduce the bill. Most importantly, keep a credit card offering a grocery accelerator in your wallet.

Best cards by grocery store

GroceryRecommended cardBenefit
IGA, Sobeys, FreshCo, VoilàScotiabank Gold American Express® Card6 points per dollar at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà grocery stores and more
Metro, Super C, Couche-TardAmerican Express Cobalt Card5 points per dollar at grocery stores, restaurants, and delivery services in Canada
Provigo, Maxi, CostcoNBC World Elite Mastercard5 points per dollar at grocery stores and restaurants, 1% cash back at Costco
Provigo, MaxiWorld Elite Mastercard PC30 PC Optimum points per dollar (~3% cash back)
WalmartMBNA Rewards World Elite Mastercard5 points per dollar at grocery stores, restaurants, digital media, and subscriptions
All grocery storesCIBC Dividend Platinum Visa Card3% cash back on grocery purchases

Compare all options on our credit card comparison tool.

Our credit card selection
Credit cardAnnual feeWelcome offer
SponsoredScotiabank Gold American Express® Card
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Annual fee$120Welcome offer
Up to 50,000 pointsEnds Nov 1, 2026
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American Express Cobalt® Card
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Annual fee$191.88Welcome offer
Up to 15,000 points
Apply Now
ExclusiveNational Bank World Elite® Mastercard®
Apply Now
Annual fee$150 $0Welcome offer
No welcome offerEnds Nov 4, 2026
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MBNA Rewards World Elite® Mastercard®
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Annual fee$120Welcome offer
Up to 30,000 points
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PC® World Elite® Mastercard®
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Annual fee$0Welcome offer
20,000 points
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Discount grocery stores in Quebec

Here is our directory of over 70 discount and liquidation grocery stores across Quebec. The list is updated regularly. Do you know an address that’s missing? Share it on our Facebook group.

Among the chains that stand out in 2026, Liquidation Marie continues its rapid expansion. The brand now has a dozen branches in Quebec. It opened in Joliette in January 2026 and plans openings in Belœil and Granby in spring 2026. Its Facebook community exceeds 139,000 members. An online store is also planned for 2026.

Discount grocery stores – Montreal

Discount grocery stores – Chaudière-Appalaches

Discount grocery stores – Centre-du-Quebec

Discount grocery stores – Estrie

Discount grocery stores – Sherbrooke

Discount grocery stores – Lanaudière

Discount grocery stores – Laurentides

Discount grocery stores – Laval

Discount grocery stores – Mauricie

Discount grocery stores – Montérégie

Discount grocery stores – Outaouais

Discount grocery stores – Quebec City region

  • Escomptes Fortin 2020: 55 Rue Marie-de-l’Incarnation, Quebec, QC G1N 3E9
  • Panier Extra: 2800 Ave Saint-Jean-Baptiste, Quebec, QC G2E 6J5

Discount grocery stores – Saguenay

Exclusive

National Bank World Elite® Mastercard®

National BankNBC RewardsFirst-Year Annual Fee Rebate
Annual fee
$0 $150

No annual fee the first year

Our valuation
$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.

Welcome offer
First Year Annual Fee Rebate

$150 annual fee rebated

Ends Nov 4, 2026

Apply Now

on National Bank's website

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.

  1. Certain restrictions apply. For more information, see the Rewards Plan section or the Plan Rules applicable to point accumulation.
  2. 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.

  3. Balance transfers and cash advances are subject to National Bank credit approval. Each amount transferred cannot be less than $250.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. Subject to credit approval by National Bank.
  9. Certain conditions apply. Visit mastercard.ca for more information. See all credit card terms and conditions.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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

Discount grocery stores in Canada

Here is our directory of discount and liquidation grocery stores in other Canadian provinces. Do you know an address that’s missing? Share it on our Facebook group.

Discount grocery stores – Alberta

Calgary

Edmonton

Lethbridge and Red Deer

Discount grocery stores – British Columbia

Discount grocery stores – Ontario

Greater Toronto Area

Discount grocery stores – Nova Scotia

Discount grocery stores – Manitoba

Discount grocery stores – Saskatchewan

Dollarama, Giant Tiger, and big-box stores

Dollarama

Dollarama stores have significantly expanded their food section in recent years. You can find snacks, canned goods, condiments, and basic products at very low prices. Dollarama is also suitable for special occasion purchases (Halloween, Christmas, birthdays). Online orders allow for larger format purchases.

For your Dollarama purchases, use your American Express Cobalt Card to earn 5 points per dollar.

American Express Cobalt® Card

American ExpressAmex Membership Rewards
Annual fee
$191.88
Our valuation
$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.

Welcome offer
Up to 15,000 points
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply 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:

  • 15,000 Aeroplan points
  • 15,000 Avios points
  • 15,000 Flying Blue Miles
  • 18,000 Marriott Bonvoy points

If hotel points are what you are after, our ultimate guide to Marriott Bonvoy and our complete map of Marriott Bonvoy hotels by category show what those points can actually buy.

American Express Cobalt® Card benefits

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.

To see how it compares with the rest of the line-up, read our round-up of the best credit cards from American Express in Canada.

The 5X categories and where they apply

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.

You can also stack these categories with the hundreds of stores that offer 5x points.

American Express Cobalt® Card insurance coverage

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

Giant Tiger

Present in several provinces, Giant Tiger stores offer well-known brand grocery products at reduced prices, a fruit and vegetable section, dairy and frozen products, as well as their own house brand.

Visit Giant Tiger’s online grocery section to view flyers and take advantage of in-store pickup service.

Discounts at big-box stores

Major chains also offer regular promotions to watch out for:

  • Maxi: 30% to 50% off certain unsold fresh products
  • IGA: Weekly promotions combined with bonus Scene+ points
  • Shoppers Drug Mart: Liquidation of unsold or near-expiry food products

Conclusion

Discount and liquidation grocery stores represent a concrete way to reduce your food bill. Combine deals from liquidation centers with the best credit cards for groceries, loyalty programs, and flyers from major chains.

To receive our weekly analyses and good deals, subscribe to our newsletter.

Also find our detailed tips for saving on groceries:

Discount Grocery Stores – Frequently Asked Questions

What is a discount or liquidation grocery store?

A discount grocery store sells food products at reduced prices all year round. A liquidation grocery store specializes in surplus, end-of-lot, and near-expiry products purchased directly from distributors. Discounts vary from 20% to 70% depending on the type of business.

Are liquidation products safe?

Yes, in the vast majority of cases. A product close to its « best before » date remains consumable if it has been properly stored. Always check dates and trust your senses: appearance, smell, and texture. Consult the MAPAQ guide for more information.

How do I find out about weekly specials?

Arrivals change frequently and unpredictably. Most liquidation grocery stores post their new arrivals on their Facebook page. Follow them to be informed in real-time about new deals.

What are the discount grocery stores in Trois-Rivières?

Trois-Rivières has three good addresses: Boulangerie St-Méthode – Economic Store (620, rue St-Laurent), Boom Liquidation Trois-Rivières (165 Boulevard Ste Madeleine), and Fruit & Légumes Éconoprix (3200 Rue du Chanoine-Chamberland).

When did Escomptes St-Jean open in Montreal?

Les Escomptes St-Jean opened in Ville-Saint-Laurent in November 2024. The address is 1855 O’Brien Street, Ville-Saint-Laurent.

Which grocery store offers discounts to seniors?

Several chains offer discount days for those 60 and over. Maxi offers a discount on Thursdays at several branches. Super C offers a discount on Wednesdays (variable by region). No Frills and IGA also offer senior days at some branches. Check with your local store.

Which grocery stores offer student discounts?

Student discounts are less common than senior discounts. Metro offers a student discount in some provinces. Sobeys participates in local student programs. Maxi and Super C have occasional promotions. Even without an official discount, combine flyers, loyalty programs, and a credit card with grocery cash back to save.

Which credit card should I use at the grocery store?

It depends on your primary grocery store. At IGA or Sobeys, the Scotiabank Gold American Express Card offers 6 points per dollar. At Metro or Couche-Tard, the American Express Cobalt Card gives 5 points per dollar. At Maxi or Provigo, the NBC World Elite MC Card offers 5 points per dollar. Consult our guide to the best grocery cards to find the best option.


Which Credit Card to Maximize Your Savings?

For recurring expenses (groceries, online shopping, restaurants), a cash back card makes a real difference. Use our credit card comparator to filter through 200+ Canadian offers, or take a look at our top cash back cards, updated monthly. Our top pick for these expenses: the BMO eclipse Visa Infinite* Card, which earns 5 points per dollar on groceries, dining, gas, and transit.

BMO eclipse Visa Infinite* Card

BMOBMO RewardsFirst-Year Annual Fee Rebate
Annual fee
$0 $120

No annual fee the first year

Our valuation
$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.

Welcome offer
Up to 70,000 points

+ First Year Annual Fee Rebate

Apply Now

on BMO's website

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*Terms and 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 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

Our featured card

PC® World Elite® Mastercard®

PC FinancialPC Optimum
Annual fee
$0
Our valuation
$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.

Welcome offer
20,000 points
Apply Now

on PC Financial's website

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.

Legal

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

Our editorial integrity

Our reviews and rankings are based on an objective assessment. Advertisers do not influence our content. We may receive compensation through some links; our analysis and opinions remain independent.