1.American Express Cobalt® Card
American Express
- 5%Points on eligible eats and drinks
New cardmembers can earn up to 15,000 Membership Rewards points in their first year. You receive 1,250 bonus points for every monthly billing period in which you spend at least $750 in net purchases.
Earn 5 points for every $1 on eligible eats & drinks including eligible restaurants, bars, cafes, grocery stores, and food delivery in Canada, up to $2,500.
21.99%
21.99%
The American Express Cobalt Card stands out as the top choice because of its exceptional earning potential, particularly in the dining and grocery categories. With a robust 5X points multiplier, it offers unparalleled rewards for everyday spending, making it a favorite among Canadian consumers.
Pros:
- High rewards on dining and groceries
- Flexible travel transfers
Cons:
- Monthly fee
- Requires spending to maximize welcome bonus
2.Scotiabank Gold American Express Card
Scotiabank
- 6%Points at select grocery stores
- 5%Points on groceries, dining, and travel
The Scotiabank Gold American Express card offers a welcome bonus of up to 45,000 Scene+ points (worth approximately CA$450).
Earn 6 Scene+ points per $1 spent at Sobeys, Safeway, Freshco, Foodland and more; Earn 5 Scene+ points for every $1 spent on groceries, dining, and travel.
21.99%
22.99%
What sets the Scotiabank Gold American Express Card apart is its impressive earning potential, especially for grocery shopping. With no foreign transaction fees and a generous welcome bonus, it provides significant value for frequent travelers and everyday spenders alike.
Pros:
- No foreign transaction fees
- High earning potential on groceries
Cons:
- Annual fee
- Limited to specific grocery stores for maximum rewards
- 2%Points on eligible purchases
Earn up to 30,000 bonus MBNA Rewards Points for cash back, gift cards and more.
Earn 2 points per $1 spent on eligible purchases.
21.99%
22.99%
The MBNA Rewards World Elite Mastercard shines for its flexibility in redeeming points across various categories, making it a versatile choice for cardholders. With solid insurance benefits and a straightforward rewards structure, it appeals to those looking for a reliable rewards card.
Pros:
- Flexible redemption options
- Comprehensive insurance coverage
Cons:
- Annual fee
- Limited bonus categories
Final Words
As you consider the best restaurant credit cards available this June 2026 in Canada, remember that the right card can significantly enhance your dining experiences and rewards. Take time to compare the options available, assess the benefits that align with your spending habits, and make informed decisions to maximize your rewards potential.
Frequently Asked Questions
New cardmembers can earn up to 15,000 Membership Rewards points in their first year. You receive 1,250 bonus points for every monthly billing period in which you spend at least $750 in net purchases.
You can earn 6 Scene+ points per $1 spent at Sobeys, Safeway, Freshco, Foodland and more. Additionally, you earn 5 Scene+ points for every $1 spent on groceries, dining, and travel.
With the MBNA Rewards World Elite Mastercard, you earn 2 points per $1 spent on eligible purchases. This allows you to accumulate rewards quickly for cash back, gift cards, and more.
To choose the best restaurant credit card, consider your spending habits, the reward rates, and any annual fees. Look for cards that offer bonus points for dining and grocery purchases, and check if the welcome bonus aligns with your expected spending.
Yes, many restaurant credit cards in Canada charge annual fees. For example, the American Express Cobalt® Card has an annual fee of CA$191.88, while the Scotiabank Gold American Express Card and MBNA Rewards World Elite Mastercard both charge CA$120. It's essential to weigh these fees against the potential rewards.
Restaurant credit cards often provide benefits such as bonus points for dining purchases, cashback on eligible transactions, and exclusive discounts at partnered restaurants. Additionally, many cards include travel insurance and rewards redemption options that enhance their value.
Applying for a restaurant credit card typically involves filling out an online application with your personal and financial information. Be prepared to provide details about your income and credit history, as lenders will review these factors to determine your eligibility.
