Best Credit Cards for Groceries in Canada | Sparks and Bloom

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Best for: 1st Yr Fee Rebate

BMO VIPorter World Elite Mastercard

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BMO VIPorter World Elite Mastercard

BMO Mastercard Porter VIPorter

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5.0Ratesopedia rating

The BMO VIPorter World Elite Mastercard offers a first year annual fee rebate (regular fee $199/yr). It comes with a welcome bonus of 70,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $1,644.

1st Yr Fee Rebate

Annual Fee: $199 $0
Rewards rate: 1x
Welcome Bonus: 70,000 points
1st Year Value: $1,644

Pros

First Year Annual Fee Rebate
Welcome bonus of 70,000 points
2x on groceries
2x at restaurants

Cons

High annual fee ($199)
Requires good credit

Best for: Overall value

American Express Gold Rewards Card

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American Express Gold Rewards Card

Amex Amex Amex Membership Rewards

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5.0Ratesopedia rating

It comes with a welcome bonus of 60,000 points. You earn 2x on groceries and 1x at restaurants. Estimated first-year value is $1,411.

Best of Month

Annual Fee: $250
Rewards rate: 1x
Welcome Bonus: 60,000 points
1st Year Value: $1,411

Pros

Welcome bonus of 60,000 points
2x on groceries
Estimated 1st-year value of $1,411

Cons

High annual fee ($250)

Best for: Overall value

RBC British Airways Visa Infinite

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RBC British Airways Visa Infinite

RBC Visa British Airways Club

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5.0Ratesopedia rating

It comes with a welcome bonus of 60,000 Avios. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $1,349.

Best of Month

Annual Fee: $165
Rewards rate: 1x
Welcome Bonus: 60,000 Avios
1st Year Value: $1,349

Pros

Welcome bonus of 60,000 Avios
2x on groceries
2x at restaurants
Estimated 1st-year value of $1,349

Cons

High annual fee ($165)
Requires good credit

Best for: Overall value

BMO eclipse Visa Infinite Privilege Card

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BMO eclipse Visa Infinite Privilege Card

BMO Visa BMO Rewards

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4.8Ratesopedia rating

It comes with a welcome bonus of 200,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,284.

Best of Month

Annual Fee: $599
Rewards rate: 1x
Welcome Bonus: 200,000 points
1st Year Value: $1,284

Pros

Welcome bonus of 200,000 points
5x on groceries
5x at restaurants
Estimated 1st-year value of $1,284

Cons

High annual fee ($599)
Requires good credit

Best for: 1st Yr Fee Rebate

BMO CashBack Mastercard World Eliteᴹᴰ

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BMO CashBack Mastercard World Eliteᴹᴰ

BMO MastercardCash Back

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4.8Ratesopedia rating

The BMO CashBack Mastercard World Eliteᴹᴰ offers a first year annual fee rebate (regular fee $120/yr). It comes with a welcome bonus of $650. You earn 5x on groceries and 1x at restaurants. Estimated first-year value is $1,276.

Best of Month1st Yr Fee Rebate

Annual Fee: $120 $0
Rewards rate: 1x
Welcome Bonus: $650
1st Year Value: $1,276

Pros

First Year Annual Fee Rebate
Welcome bonus of $650
5x on groceries
Estimated 1st-year value of $1,276

Cons

Requires good credit

Best for: Overall value

American Express Cobalt Card

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American Express Cobalt Card

Amex Amex Amex Membership Rewards

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4.7Ratesopedia rating

It comes with a welcome bonus of 15,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,263.

Best of Month

Annual Fee: $192
Rewards rate: 1x
Welcome Bonus: 15,000 points
1st Year Value: $1,263

Pros

Welcome bonus of 15,000 points
5x on groceries
5x at restaurants
Estimated 1st-year value of $1,263

Cons

High annual fee ($191.88)

Best for: 1st Yr Fee Rebate

TD First Class Travel Visa Infinite Card

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FeaturedTD First Class Travel Visa Infinite Card

TD Visa TD Rewards

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5.0Ratesopedia rating

The TD First Class Travel Visa Infinite Card offers a first year annual fee rebate (regular fee $139/yr). It comes with a welcome bonus of 146,000 points. You earn 6x on groceries and 6x at restaurants. Estimated first-year value is $1,210.

Best of Month1st Yr Fee Rebate

Annual Fee: $139 $0
Rewards rate: 2x
Welcome Bonus: 146,000 points
1st Year Value: $1,210

Pros

First Year Annual Fee Rebate
Welcome bonus of 146,000 points
6x on groceries
6x at restaurants

Cons

Requires good credit

Best for: Travel rewards

RBC ION+ Visa Card

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RBC ION+ Visa Card

RBC Visa RBC Avion Rewards

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4.7Ratesopedia rating

It comes with a welcome bonus of 28,000 points. You earn 3x on groceries and 3x at restaurants. Estimated first-year value is $1,173.

Annual Fee: $48
Rewards rate: 1x
Welcome Bonus: 28,000 points
1st Year Value: $1,173

Pros

Welcome bonus of 28,000 points
3x on groceries
3x at restaurants
Estimated 1st-year value of $1,173

Cons

Fewer premium perks

Best for: Overall value

Scotiabank Gold American Express Card

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Scotiabank Gold American Express Card

Scotia Amex Scene+

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4.7Ratesopedia rating

It comes with a welcome bonus of 45,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,088.

Best of Month

Annual Fee: $120
Rewards rate: 1x
Welcome Bonus: 45,000 points
1st Year Value: $1,088

Pros

Welcome bonus of 45,000 points
5x on groceries
5x at restaurants
Estimated 1st-year value of $1,088

Cons

Requires good credit

Best for: Overall value

MBNA Rewards World Elite Mastercard

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MBNA Rewards World Elite Mastercard

MBNA MastercardMBNA Rewards

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4.7Ratesopedia rating

It comes with a welcome bonus of 30,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,086.

Annual Fee: $120
Rewards rate: 1x
Welcome Bonus: 30,000 points
1st Year Value: $1,086

Pros

Welcome bonus of 30,000 points
5x on groceries
5x at restaurants
Estimated 1st-year value of $1,086

Cons

Requires good credit

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Complete Guide

Best Credit Cards for Groceries in Canada

Earn the most rewards on grocery shopping. Compare cards offering 2–5x points or 2–4% cash back at supermarkets.

The average Canadian family spends $12,000–$16,000 per year on groceries. With the right credit card, that's $250–$800 in annual rewards. Cards that bonus groceries typically offer 2–5x points or 2–4% cash back at supermarkets.

64

Cards analyzed

Jun 2026

Last updated

100%

Independent

Methodology

Our team evaluates credit cards based on overall consumer value: rewards earning rates, annual fees, welcome bonuses, insurance coverage, and additional perks. Cards are ranked by estimated first-year value. We update our picks monthly.

📊Real data

🔄Updated regularly

⚖️Unbiased review

🎯Transparent criteria

FAQ

Frequently Asked Questions

1Which card gives the most points on groceries?

The Amex Cobalt earns 5x Membership Rewards points at grocery stores — the highest earning rate in Canada for groceries.

2Does Costco count as a grocery store?

It depends on the card. Most Visa and Mastercard issuers classify Costco as a wholesale club, not a grocery store. The Costco Mastercard earns 3% at Costco specifically.

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