{"id":232179,"date":"2025-05-13T07:40:00","date_gmt":"2025-05-13T11:40:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=232179"},"modified":"2026-03-20T15:36:47","modified_gmt":"2026-03-20T19:36:47","slug":"grocery-rewards-credit-card","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/grocery-rewards-credit-card\/","title":{"rendered":"Save at the Grocery Store: The Best Combinations of Reward Programs and Credit Cards"},"content":{"rendered":"

[vc_row][vc_column][vc_custom_heading el_id=”” text=”Grocery store tips” css=”” el_id=”grocery_store_tips”][vc_column_text el_class=”checkmarks”]<\/p>\n

Mixing the use of grocery rewards programs WITH credit card rewards is a great way to save money.<\/p>\n

[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=”-1″ text=”Use loyalty points to pay for groceries at the best price” css=”” el_id=”use_loyalty_points_to_pay_for_groceries_at_the_best_price”][vc_column_text el_class=”checkmarks”]<\/p>\n

The trick is to use your favourite grocery store’s loyalty card and pair it with your payment method to double dip!<\/p>\n

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<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_custom_heading el_id=”-2″ text=”At Maxi With the PC Optimum Program” font_container=”tag:h3|text_align:left” el_id=”at_maxi_with_the_pc_optimum_program”][vc_column_text css=”” el_class=”checkmarks”]<\/p>\n\n\n\n\n\n
–<\/td>\nEarning<\/td>\nRedeeming<\/td>\n<\/tr>\n<\/thead>\n
PC Optimum<\/a><\/td>\nDepending on weekly personalized offers, flyer offers, and selected products<\/td>\n\n

1,000 points = $1 off your bill at checkout<\/p>\n

Redeemable at any time at the cashier<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Offers may give the member a discount or earn additional points for the purchase of a certain minimum spend.<\/p>\n

[\/vc_column_text][vc_single_image image=”232122″ img_size=”medium” alignment=”center”][vc_column_text el_class=”checkmarks”]<\/p>\n

By carefully planning purchases at this low-cost grocery store, their flyer specials and the app’s weekly offers, rewards accumulate faster.<\/p>\n

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.<\/p>\n

But the best trick is to wait for the Bonus Redemption Event days at Shoppers Drug Mart<\/a>. On these days, the exchange value is much greater, and points are worth even more! <\/p>\n

[\/vc_column_text][vc_single_image image=”232126″ img_size=”large”][vc_column_text css=”” el_class=”checkmarks”]<\/p>\n

The best move is to pay with a credit card that has a high multiplier for grocery store purchases<\/a>.<\/p>\n

Maxi only accepts Visa and Mastercard. So, the best credit cards to use at Maxi are:<\/p>\n\n\n\n\n\n\n\n
–<\/td>\nEarning in grocery stores<\/td>\nBest for<\/td>\nEligibility requirements<\/td>\n<\/tr>\n<\/thead>\n
National Bank World Elite Mastercard®<\/sup> card<\/a><\/td>\n 5 points\/$1 purchase<\/td>\nSave on travel expenses<\/a><\/td>\nMinimum annual personal income of $80,000 or family income of $150,000<\/td>\n<\/tr>\n
®<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card-qc\/\" rel=\"noindex\">TD First Class Travel®<\/sup> Visa Infinite* Card<\/a><\/td>\n6 points\/$1 purchase<\/td>\nSave on travel expenses<\/a><\/td>\nMinimum annual personal income of $60,000 or family income of $100,000<\/td>\n<\/tr>\n
®<\/sup> Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-dividend-platinum-visa-card\/\">CIBC Dividend Platinum®<\/sup> Visa* Card<\/a><\/td>\n3% Cash back<\/td>\nCash back $<\/td>\nMinimum annual income of $15,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

The PC Insiders\u2122 World Elite Mastercard®<\/sup><\/a> gives 40 points per dollar spent at Maxi. I would have had 6,367 points (40 x $159.18), for a value of $6.36. <\/p>\n

However, I get more by using my National Bank World Elite Mastercard<\/a>. Thanks to it, I’ve accumulated 796 NBC Rewards points (5 points x $159.18), which are worth about $7. <\/p>\n

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As of March 23, 2023, the loyalty card linked to IGA is Scene+<\/a>.<\/p>\n\n\n\n\n\n
–<\/td>\nEarning<\/td>\nRedeeming<\/td>\n<\/tr>\n<\/thead>\n
Scene+<\/td>\nDepending on the weekly personalized offers<\/a>, the offers from the flyer and the selected products<\/td>\n\n

1,000 points = $10 off your bill<\/p>\n

Redeemable at any time at the cashier<\/strong><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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It should be noted that IGA grocery stores are increasingly accepting American Express cards <\/a>thanks to the Scene+ program. Even the Voil\u00e0 by IGA<\/a> online grocery store accepts them!<\/p>\n\n\n\n\n\n\n
–<\/td>\nEarning in grocery stores<\/td>\nBest for<\/td>\nEligibility requirement<\/td>\n<\/tr>\n<\/thead>\n
American Express Cobalt®<\/sup> Card<\/a><\/td>\n 5 points\/$1 purchase<\/td>\n\n

Statement credit $, thanks to <\/a>1,000 Membership Rewards points = $10 <\/a> <\/p>\n

and\/or<\/p>\n

Transfer to air and hotel programs for travel<\/p>\n<\/td>\n

No minimum income required to obtain the card<\/td>\n<\/tr>\n
®<\/sup> Card\" href=\"https:\/\/milesopedia.com\/en\/go\/scotiabank-gold-american-express-card\/\">Scotiabank Gold American Express®<\/sup> Card<\/a><\/td>\n6 points\/$1 for <\/strong>purchases at IGA, Voil\u00e0 by IGA<\/a>, Rachelle-B\u00e9ry, Les March\u00e9s Tradition, etc<\/td>\n\n

Statement credit $, thanks to 1,000 Scene+ points = $10<\/a><\/p>\n

or<\/p>\n

In-store redemption 1,000 Scene + points = $10 off the bill<\/p>\n<\/td>\n

Minimum annual income required to obtain card: $12,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

The latter is particularly attractive, as the redemption rate is 1,000 points for $10 off the bill. It’s the same as the Cobalt, but the Scotiabank Gold American Express®<\/sup> Card<\/a> earns 1 extra point per dollar spent.<\/p>\n

For example, $200 in spending is required at IGA to earn 1,000 Membership Rewards points ($200 x 5 points) with the Cobalt card. At IGA, $167 in spending<\/strong> ($167 x 6) is required to earn 1,000 Scene+ points with the Scotiabank Gold American Express®<\/sup> Card. So the reward arrives faster! <\/p>\n

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For other credit cards that earn more points or cash back than average, there are :<\/p>\n\n\n\n\n\n\n
 <\/td>\nEarning in grocery stores<\/td>\nBest for<\/td>\n<\/tr>\n
National Bank World Elite Mastercard<\/a><\/td>\n

:<\/p>\n

5 points\/$1 purchase<\/td>\nSave on travel expenses<\/a><\/td>\n<\/tr>\n
®<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card-qc\/\" rel=\"noindex\">TD First Class Travel®<\/sup> Visa Infinite* Card<\/a><\/td>\n6 points\/$1 purchase<\/td>\nSave on travel expenses<\/a><\/td>\n<\/tr>\n
®<\/sup> Visa Infinite* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-dividend-visa-infinite-card\/\" rel=\"noindex\">CIBC DividendMD<\/sup> Visa Infinite* Card<\/a><\/td>\n4% cash back<\/td>\nCash back<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=”-4″ text=”At Metro and Super C With the Moi Card” font_container=”tag:h3|text_align:left” el_id=”at_metro_and_super_c_with_the_moi_card”][vc_column_text css=”” el_class=”checkmarks”]<\/p>\n

The Moi from Metro loyalty card<\/a> earns 1 point for every dollar spent. Each week, customers download their personalized offers on the mobile application, at a special terminal at Metro or in the member profile on the Metro website.<\/p>\n\n\n\n\n\n
–<\/td>\nEarning<\/td>\nRedeeming<\/td>\n<\/tr>\n<\/thead>\n
Moi<\/td>\n1 point\/$1 purchase<\/td>\n\n

Anytime, so long as there is a minimum of 500 points in the bank<\/p>\n

125 points = $1 off at checkout<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

As of May 25, 2023, the metro&moi program has changed to the MOI program<\/a>. The rate of accumulation and the rate of exchange are the same.<\/p>\n

Note that Super C does not accumulate any basic MOI points<\/strong>. To earn MOI points at Super C, you need to buy a product specially marked with bonus points.<\/p>\n

[\/vc_column_text][vc_single_image image=”416194″ img_size=”large” alignment=”center” css=””][vc_column_text css=”” el_class=”checkmarks”]<\/p>\n

Metro supermarkets accept Visa, Mastercard and American Express<\/a>.<\/p>\n

The Moi RBC Visa Credit Card<\/a> is linked to the Moi program at Metro. The basic accumulation is one Moi point for every $1<\/strong>. By paying with this card AND scanning the Moi card at the checkout of participating stores you’ll get:<\/p>\n