Best Credit Cards for Groceries in Canada - September 2026

Groceries

Best Cards 1st Yr Free Cash Back Travel Groceries Gas & EV Business Low Interest

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Scotiabank Gold American Express® Card

Scotia Scene+

Annual fee: $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $500
Welcome offerAfter $7,500 in 12 months: Up to 50,000 points; Ends Nov 1, 2026

Features
Issuer: Scotia
Network
Loyalty Program: Scene+

Fees and terms
Annual Fee: $120/yr
Min. annual income: $12,000+

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Rewards: Rate
With the partner brand: 6x
Groceries: 5x
Entertainment: 5x
Restaurants: 5x
Streaming: 3x
Transit: 3x
Gas & EV: 3x

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National Bank World Elite® Mastercard®

National Bank NBC RewardsFirst-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $150
Our valuationMilesopedia first-year estimate First-year valueAnnual fee rebated$150Annual credit$150Total$300Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $300
Welcome offer$150 annual fee rebated: First Year Annual Fee Rebate; Ends Nov 4, 2026

Features
Issuer: National Bank
Network
Loyalty Program: NBC Rewards

Fees and terms
Annual Fee: $150/yr
Min. annual income: $80,000+

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Rewards: Rate
Restaurants: 5x
Groceries: 5x
Travel: 2x
Bills & recurring payments: 2x
Gas & EV: 2x

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American Express Cobalt® Card

Amex Amex Membership Rewards

Annual fee: $191.88
Our valuationMilesopedia first-year estimate First-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.: $255
Welcome offerGet 1,250 points after $750 in purchases per month for 12 months: 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”).

Features
Issuer: Amex
Network
Loyalty Program: Amex Membership Rewards

Fees and terms
Annual Fee: $191.88/yr ($15.99/mo)
Min. annual income: —

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Rewards: Rate
Restaurants: 5x
Groceries: 5x
Convenience: 5x
Streaming: 3x
Transit: 2x
Gas & EV: 2x

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BMO eclipse Visa Infinite* Card

BMO BMO Rewards First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $120
Our valuationMilesopedia first-year estimate First-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.: $589
Welcome offerAfter $12,000 in 12 months: Up to 70,000 points

Features
Issuer: BMO
Network
Loyalty Program: BMO Rewards

Fees and terms
Annual Fee: $120/yr
Min. annual income: $60,000+

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Rewards: Rate
Restaurants: 5x
Gas & EV: 5x
Groceries: 5x
Transit: 5x

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Scotia Momentum® Visa Infinite +* Card

Scotia Cash BackFirst-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$300Annual fee rebated$120Total$420Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $420
Welcome offerAfter $2,000 in 3 months: Up to $300 Cash Back; Ends Nov 1, 2026

Features
Issuer: Scotia
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $120/yr
Min. annual income: $60,000+

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Rewards: Rate
Groceries: 4x
Bills & recurring payments: 4x
Telecom: 4x
Gas & EV: 2x
Transit: 2x
Streaming: 2x

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BMO CashBack® World Elite®* Mastercard®*

BMO Cash BackFirst-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $139
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$650Annual fee rebated$139Total$789Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $789
Welcome offerGet 40 points after $2,000 in purchases per month for 12 months: Up to $650 in value, first-year annual fee waiver included

Features
Issuer: BMO
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $139/yr
Min. annual income: $80,000+

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Rewards: Rate
Groceries: 5x
Transit: 4x
Gas & EV: 3x
Streaming: 2x
Bills & recurring payments: 2x

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PC® World Elite® Mastercard®

PC Financial PC Optimum

Annual fee: $0
Our valuationMilesopedia first-year estimate First-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.: $20
Welcome offerAfter $50 in 2 months: 20,000 points

Features
Issuer: PC Financial
Network
Loyalty Program: PC Optimum

Fees and terms
Annual Fee: $0
Min. annual income: $80,000+

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Rewards: Rate
Pharmacy: 45x
Groceries: 30x

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