1.American Express Cobalt® Card
American Express
- 5%Points on eligible eats & drinks
- 3%Points on eligible streaming subscriptions
- 2%Points on travel and gas
- 1%Points on all other purchases
Earn 1,250 points for each monthly billing period in the first year where you spend at least CA$750 in net purchases.
Earn 5x points on eligible eats & drinks, 3x on eligible streaming subscriptions, 2x on travel/gas, and 1x on all other purchases.
The American Express Cobalt Card stands out as the top choice because of its exceptional earning potential on everyday spending categories like dining and groceries, making it ideal for food lovers and frequent diners.
Pros:
- High earning rates on food and groceries
- Flexible points transfer options
Cons:
- Monthly fee can add up
- High spending requirement for welcome bonus
- 4%Cash back on groceries and gas
- 2%Cash back on dining and transportation
- 1%Cash back on all other purchases
Includes a 10% cash back bonus on purchases and a first-year annual fee rebate.
Earn 4% cash back on groceries and gas, 2% on dining and transportation, and 1% on all other purchases.
What sets the CIBC Dividend Visa Infinite Card apart is its robust cash back structure, particularly for groceries and gas, making it a strong contender for those who prioritize everyday spending rewards.
Pros:
- High cash back rates on essential categories
- First-year annual fee rebate
Cons:
- Income requirement may be high for some
- Limited to specific spending categories for maximum rewards
3.Scotiabank Gold American Express Card
Scotiabank
- 6%Points on groceries
- 5%Points on dining
- 3%Points on gas and streaming
- 1%Points on all other purchases
30,000 points after spending CA$2,000 in the first 3 months and an additional 15,000 points upon meeting spending requirements.
Earn 6x points on groceries, 5x on dining, and 3x on gas and streaming.
This card shines for its exceptional rewards on groceries and dining, making it a top choice for those who frequently spend in these categories, coupled with no foreign transaction fees.
Pros:
- High earning potential on groceries and dining
- No foreign transaction fees
Cons:
- Annual fee may deter some users
- Spending requirement for welcome bonus
4.Neo World Elite Mastercard
Neo Financial
- 5%Cash back on groceries
- 4%Cash back on recurring payments
- 3%Cash back on gas
- 1%Cash back on all other purchases
New users can receive up to 15% cashback on first-time purchases at select Neo partners.
Earn 5% on groceries, 4% on recurring payments, and 3% on gas.
A key differentiator is its high cashback rates on essential spending categories, making it an excellent choice for those who prioritize everyday purchases.
Pros:
- High cashback rates on essential categories
- No annual fee for the first year
Cons:
- No traditional welcome bonus
- Higher income requirement
5.Rogers Red World Elite Mastercard
Rogers Bank
- 3%Cash back on U.S. dollar purchases
- 2%Cash back on all other purchases
Available for new applicants when applying through affiliate partners.
Earn 3% cash back on U.S. dollar purchases and 2% on all other purchases.
This card is best for existing Rogers customers who want a high-earning, no-fee card with robust insurance coverage and benefits for U.S. spending.
Pros:
- No annual fee
- High cash back on U.S. dollar purchases
Cons:
- Limited to Rogers customers
- Cash back may not be as high on Canadian purchases
- 2%Moi points on qualifying purchases
- 1%Moi points on all other purchases
3,000 points on your first purchase and an additional 2,000 points after spending CA$500 in the first three months.
Earn 2 Moi points for every CA$1 spent on qualifying purchases and 1 Moi point for every CA$1 spent elsewhere.
The standout feature here is its ability to earn double points at participating retailers, making it a great option for those who frequently shop at these locations.
Pros:
- No annual fee
- Double points at participating retailers
Cons:
- Limited to specific retailers for maximum rewards
- Lower earning potential outside of participating stores
7.PC World Elite Mastercard
PC Financial
- 4.5%Points at Shoppers Drug Mart
- 3%Points at participating grocery stores
- 1%Points on all other purchases
Earn 20,000 points when you spend CA$50 or more at participating stores within 60 days of account approval.
Earn 4.5% back in points at Shoppers Drug Mart and 3% back in points at participating grocery stores.
This card excels in providing high-value rewards for loyal shoppers within the Loblaw ecosystem, making it an excellent choice for those who frequently shop at these stores.
Pros:
- No annual fee
- High rewards at PC-affiliated stores
Cons:
- Limited to PC-affiliated stores for maximum rewards
- Lower rewards on non-affiliated purchases
- 5%Points on groceries, dining, gas, and transit
- 1%Points on all other purchases
30,000 points after spending CA$4,000 in the first 110 days, plus additional points for higher spending.
Earn 5x points on groceries, dining, gas, and transit, and 1x on all other purchases.
The BMO Eclipse Visa Infinite Card is ideal for individuals who want to maximize rewards on everyday purchases like dining and groceries while benefiting from a substantial welcome bonus.
Pros:
- High earning potential on everyday purchases
- Lifestyle credit adds extra value
Cons:
- Annual fee may deter some users
- Spending requirements for welcome bonus
Final Words
As you navigate the options for grocery credit cards this April 2026 in Canada, remember that the best choice aligns with your spending habits and rewards preferences. Take time to compare the features and benefits of each card to make an informed decision that maximizes your grocery savings.
Frequently Asked Questions
The American Express Cobalt® Card offers a welcome bonus of 1,250 points for each monthly billing period in the first year where you spend at least CA$750 in net purchases.
With the CIBC Dividend Visa Infinite Card, you earn 4% cash back on groceries and gas, 2% on dining and transportation, and 1% on all other purchases.
The Scotiabank Gold American Express Card allows you to earn 6x points on groceries, 5x on dining, and 3x on gas and streaming.
Yes, many grocery credit cards have annual fees. For example, the CIBC Dividend Visa Infinite Card has an annual fee of CA$120, while the American Express Cobalt® Card has an annual fee of CA$191.88.
To choose the best grocery credit card, consider your spending habits, the rewards structure, and any annual fees. Look for cards that offer higher cash back or points on grocery purchases to maximize your benefits.
When applying for a grocery credit card, make sure to check your credit score and understand the eligibility requirements. Additionally, be prepared to provide personal information and income details during the application process.
Many grocery credit cards offer added benefits such as cashback on other spending categories, travel insurance, and purchase protection. These perks can enhance the overall value of the card beyond its rewards program.
