The Best Credit Cards for Groceries – May 2026

These credit cards are ideal if you spend a lot of money on groceries:

(at IGA/Sobeys)

Card	Earning rate per dollar	Value in %
Scotiabank American Express Gold Card	6 points	6 %
American Express Cobalt^® Card	5 points	5%
Scotiabank American Express Gold Card	5 points	5 %
BMO CashBack^® World Elite^®* Mastercard^®*	5%	5%
National Bank World Elite Mastercard^®	5 points	4,5%
MBNA Rewards World Elite^® Mastercard^®	5 points	4,15 %
CIBC Dividend^® Visa Infinite* Card	4%	4%
Scotia Momentum Visa Infinite Card	4%	4%
SimplyCash^® Preferred Card from American Express	4%	4%
BMO eclipse Visa Infinite* Card	5 points	3,35%
Scotiabank Passport Visa Infinite+ Card (at IGA/Sobeys)	3 points	3%
PC World Elite Mastercard (at Loblaw grocery stores)	30 points	3%

Here is a table summarizing the different offers. For more details, read on or click on the name of a card.

Read on for our tips on how to save at the grocery store:

Scotiabank Gold American Express® Card

The Scotiabank Gold American Express Card offers an excellent welcome bonus.

Until July 1, 2026, you can get up to 45,000 Scene+ points as a bonus, distributed as follows:

25,000 Scene+ points by spending $2,000 on the card within the first 3 months
20,000 Scene+ points by making $7,500 in purchases on the card in the first year

This represents a value of up to $450 for travel (including Airbnb).

With the Scotiabank Gold American Express Card, you earn 6 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà par IGA, Voilà by Safeway, Chalo! grocery stores. FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

Also, you earn 5 points per dollar for:

Grocery stores
Restaurants
Entertainment centers

And 3 points per dollar on gas, transit and streaming services purchases.

You can redeem your points on travel purchases (flights, hotels, all-inclusive and even Airbnb). You can also use your points as cash back rewards with Scene+.

The Scotiabank Gold American Express Card also offers no foreign transaction fees, excellent insurance for your travel or purchases, concierge service, exclusive American Express benefits like the Front of the Line program.

National Bank World Elite Mastercard

With Milesopedia, enjoy an exclusive offer to get up to 50,000 points with the National Bank World Elite Mastercard. This offer is exclusively available through the Milesopedia network and allows you to quickly earn points by following these steps:

10,000 reward points upon enrollment in your credit card payment protection, for a minimum of 3 months of membership.
10,000 points when you make $5,000 in net purchases within the first 3 months.
20,000 points when you reach $20,000 in purchases within the first 12 months.
10,000 points when you combine your credit card with the opening of your first current account within 7 days of your credit card application.

The National Bank World Elite Mastercard is the best Mastercard credit card offered by NBC.

With this card, you earn up to 5 points per dollar on your purchases:

5 points per dollar for groceries and restaurants
2 points per dollar on gas and electric recharge purchases
2 points per dollar on recurring bills
2 points per dollar on À la carte Travel
1 point per dollar for all other purchases

And since it’s an NBC mycredit Mastercard, you can use it at Costco.

With this card, you have access to a $150 annual travel credit that you can use in any of these categories:

Airport parking
Baggage fees
Seat selection
Access to Airport Lounges
Flight upgrades

What’s more, you can enjoy access to DragonPass airport lounges and unlimited access to the National Bank Lounge at Montreal-Trudeau.

Finally, Milesopedia has named the National Bank World Elite Mastercard as the Best Travel Credit Card in 2023, 2024, 2025, and 2026.

American Express Cobalt® Card

The American Express Cobalt^® Card is the best credit card from American Express, whether you want points for travel or cash back.

The welcome bonus is distributed monthly for the first 12 months. You’ll earn 1,250 Membership Rewards points for every $750 in purchases charged to your card during the month (whether in the 1X, 2X, 3X or 5X category). That’s up to 15,000 Membership Rewards points.

You can easily use these points as statement credits for everyday or travel purchases. The value is the same for both: 1,000 points = $10.

Alternatively, transfer them to Aeroplan points, Avios (British Airways/Qatar Airways), Flying Blue, Marriott Bonvoy, or Hilton Honors.

For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to:

15,000 Aeroplan points
15,000 Avios points
15,000 Flying Blue Miles
18,000 Marriott Bonvoy points

With the American Express Cobalt^® Card, you can earn between 1 and 5 points per dollar:

Category	Points per dollar
Grocery (Métro, IGA, Sobeys, Super C, etc.)	5
Home food delivery	5
Restaurants and bars	5
Convenience stores	5
Streaming services	3
Service station	2
Transport	2
Travel	1
Other	1

This is a 1 to 5% return on all these purchases.

For example, if you spend $1,000 per month on groceries and/or restaurants and/or food delivery, you’ll earn $50 cash back per month, or $600 cash back per year with this card for this category of purchases!

And if you decide to transfer your points to other programs like Aeroplan, you could get even more value!

In addition, this card provides excellent insurance coverage: rental car theft and damage, baggage delay, lost or stolen baggage, flight delay, $250,000 travel accident, hotel or motel burglary, Mobile Device Insurance, Purchase Security, Purchase Protection Insurance.

Like all American Express Canada Cards, there is no minimum income requirement.

MBNA Rewards World Elite® Mastercard® (Quebec)

With the MBNA Rewards World Elite^® Mastercard^®, you can earn 5 points per dollar of purchases for:

Dining
Grocery purchases
Digital media purchases (Netflix, Spotify, etc.)
Memberships
Household utility purchases (electricity, etc.)

Everywhere else, you will get 1 point per dollar.

Enough to make the MBNA Rewards World Elite Mastercard the best MBNA credit card for restaurants, groceries, digital media, subscriptions and household utilities.

Knowing that Mastercard recognizes Walmart Supercenters as grocery stores, this is the best credit card for Walmart customers!

Plus, depending on your province of residence, you’ll get a welcome bonus of between 20,000 and 30,000 points, a value of $200 to $300!

And each year, you will receive Birthday Bonus Points equal to 10% of the total number of Points the Account earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 15,000 Points.

Scotia Momentum® Visa Infinite +* Card

The Scotia Momentum^® VISA Infinite +* card is recognized, year after year, as one of the best cash back credit cards in Canada. Milesopedia has even named it best cash back credit card in 2026.

Currently, thanks to this promotional offer, the Scotia Momentum Visa Infinite+ Card has no annual fee for the first year, including on additional cards. And you can get 15% cash back on all your purchases for the first three months (up to $2,000 in total purchases).

It also includes a new convenient benefit for travellers: enjoy 10 GB of free GigSky global mobile data for 15 days, as well as access to Travel Essentials to use essential apps like messaging, maps, and email while on the go. Cardholders also continue to receive 1 GB of free GigSky mobile data per year, plus a 20% discount on future GigSky purchases.

With the Scotia Momentum^® VISA Infinite+ card, you get:

4% cash back on grocery purchases and recurring payments
2% cash back on gas purchases, public transit, carpooling, and food delivery
1% cash back on all other purchases

For example, if you spend $1,000 per month on grocery purchases and/or recurring payments, you will get $40 cash back per month, or $480 per year, with this card, for this purchase category. And that’s not counting the other purchases you make with this card and the benefits it offers (including its excellent insurance coverage).

If you are a renter, you could, for example, use the Scotia Momentum Visa Infinite Card on the Chexy site to pay your rent and get 4% cash back.

Also note that you can use your cash back at any time (the cash back balance must be at least $25).

CIBC Dividend® Visa Infinite* Card

The CIBC Dividend^® Visa Infinite* Card is one of the best Visa credit cards with cash back in Canada.

Right now, with this welcome offer, get a 10% welcome bonus in the form of up to $250 cash back (period covered by your first 4 statements) and a rebate on your first year’s annual fees^†!

Plus, receive $50 cash back when you set up a pre-authorized payment within the first 4 months.

With this CIBC cash back credit card, you earn:

4% cash back on eligible gas, electric vehicle charging, and grocery purchases^†
2% cash back on eligible transportation and dining purchases and on eligible recurring bill payments^†
1% cash back on all other purchases^†

For example, if you spend $1,000 per month on groceries and/or gas and/or electric vehicle charging, you’ll earn $40 cash back per month or $480 cash back per year with this card for this category of purchases!

And that’s not counting the other purchases you’ll make with this card and the advantages it offers (particularly in terms of insurance).

And this CIBC Cash Back Credit Card offers many insurance coverages:

Auto Rental Collision/Loss Damage Insurance
$500,000 Common Carrier Accident Insurance
Out-of-Province Emergency Travel Medical Insurance
Purchase Security and Extended Protection Insurance

BMO CashBack® Mastercard®* World Eliteᴹᴰ*

BMO CashBack^® World Elite^®* Mastercard^®* is one of Canada’s best cash back Mastercard credit cards.

Currently, for a limited time, you could receive up to $480 in cash back in the first year. In fact, you will receive $40 in cash back for each monthly period in which you make $2,000 in purchases on your card.

Plus, there is no annual fee for the first year!

Additionally, you benefit from a 0% introductory interest rate on balance transfers for 12 months, as well as a 2% balance transfer fee.

With BMO CashBack^® World Elite^®* Mastercard^®*, you get between 2% and 5% cash back on many categories of purchases:

5% on grocery purchases (on the first $500 you spend monthly)
4% on transit (on the first $300 you spend monthly)
3% on gas and electric vehicle charging (on the first $300 you spend monthly)
2% on recurring bill payments (on the first $500 you spend monthly)

Everywhere else, you’ll earn 1% cash back, including at Costco. It is also one of the only credit cards in its category to offer a 2 additional years extended warranty.

Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.

SimplyCash® Preferred Card from American Express

The SimplyCash^® Preferred Card from American Express is the only credit card in Canada that offers 2% cash back on all purchases. In addition, you can get:

4% cash back at gas stations
4% cash back at grocery stores

With this welcome offer, you can get 10% cash back on all your purchases (up to $2,000) during the first 3 months, for a total of up to $200. Plus, receive a $50 credit on your account after making a purchase in the 13th month.

The SimplyCash^® Preferred Card from American Express is particularly popular with those who have significant purchases to make: renovations, furniture or appliance purchases, as it offers 2% at all merchants.

This Card stands out for the numerous insurances offered: car rental theft and damage, $100,000 travel accident, emergency medical expenses (outside the province or country), lost or stolen baggage, flight delay and misdirected baggage, hotel or motel burglary, Purchase Protection, Buyer’s Assurance.

Like all American Express Canada Cards, there is no minimum income requirement.

Scotiabank Passport™ Visa Infinite +* Card

With this welcome offer for the Scotiabank Visa Infinite ^+* Passport^MC Card, you get up to 60,000 Scene+ points as a welcome bonus (a value of $600):

40,000 points after $2,000 in purchases within the first three months
10,000 points after $10,000 in purchases within the first six months
10,000 points after $40,000 in purchases in the first year

Then, each year, if you make at least $40,000 in purchases on the card, you’ll earn an annual bonus of at least 10,000 points, which represents a $100 value.

With the Scotiabank Visa Infinite +* Passport^MD Card, you earn 3 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà par IGA, Voilà by Safeway, Chalo! grocery stores. FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

You also earn 2 points per dollar spent, including on foreign purchases, in the following categories:

Grocery shopping
Restaurants
Entertainment centers
Transit

The Scotiabank Visa Infinite +* Passport^MD Card is an excellent Visa credit card for these types of purchases.

These points can be used for any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusive packages, and even Airbnb). You can also redeem your points as cash back with Scene+, for example, at your grocery store checkout at the same rate of 1,000 points = $10.

The Scotiabank Visa Infinite +* Passport^MD Card also offers:

No fees for foreign currency transactions
6 access to VIP airport lounges
Excellent insurance for your travels and purchases
Concierge service
Travel with confidence with 10 GB of free GigSky global mobile data for 15 days, plus access to GigSky Travel Essentials for essential apps on the go.
Cardholders also receive a free 1 GB/15-day GigSky global mobile data package annually, plus a 20% discount on future GigSky purchases.

We have named this credit card the Best Credit Card with No Foreign Transaction Fees in 2024, 2025, and 2026.

PC® World Elite® Mastercard®

The PC World Elite Mastercard currently offers a 20,000 PC Optimum points welcome bonus after spending $50 in the first two months, with no annual fee. With this Card:

4.5% back in points at Shoppers Drug Mart^{^®} and Pharmaprix^{^®5}
Get 3% back in points at Loblaw banner grocery stores including Loblaws^{^®}, No Frills^{^®}, Real Canadian Superstore^{^®}, Maxi^{^®} and at Joe Fresh.
At least 3¢ per litre back in points on fuel at Esso and Mobil
1% back in points per dollar spent everywhere else

This means you get between 1% and 4.5% back on your purchases made at PC Optimum stores. You can then use your points for discounts at checkout or convert them into $7 credit per 10,000 points directly on your card balance.

Additionally, this card includes travel medical insurance, rental car collision insurance, a concierge service, and 90-day purchase assurance—rare benefits for a no-annual-fee card.

BMO eclipse Visa Infinite* Card

By subscribing to our offer for the BMO eclipse Visa Infinite* Card, you can receive an exclusive welcome offer of up to 80,000 BMO Rewards points, as well as a waiver of the $120 annual fee for the first year.*

In addition, you will benefit from a $50 annual lifestyle credit. You also have a monthly statement credit for streaming services for the first year.*

With the BMO eclipse Visa Infinite* Card, you can earn 5 BMO Rewards points per dollar spent on:

groceries*
food delivery or takeout*
ridesharing*
public transit*
gas*

And 1 BMO Rewards point per dollar spent everywhere else. Plus, if you add a supplementary card to your account, you’ll earn 10% more points*.

You can use BMO Rewards points for travel (flights, hotels, car rentals, packages, etc.) or for rewards and gift cards on the BMO Rewards platform.

Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card*.

RBC ION+ Visa Card

With the RBC ION+ Visa Card, earn 14,000 Avion points upon approval¹, representing a value of approximately $100 in gift cards^+!.

This RBC credit card allows you to earn 3X the Avion points per dollar on the following categories¹:

Groceries, restaurants and meal delivery
Transportation, gas and electric vehicle charging
Streaming, digital games, and subscriptions

You also earn 1 Avion point per dollar on all other eligible purchases¹.

Plus, save 3¢ per litre on fuel at Petro-Canada and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card⁴.

Finally, benefit from mobile device insurance³ providing two years of protection, up to $1,000, in the event of loss, theft, accidental damage, or breakdown of your mobile device purchased with the card.

CIBC Dividend Platinum® Visa* Card

If you don’t meet the income requirements for the CIBC Dividend^® Visa Infinite* Card, you could apply for the CIBC Dividend^® Platinum Visa* Card. The minimum annual income required for this card is $15,000 (household).

With this offer, get a 10% welcome bonus in the form of up to $250 cash back (period covered by your first 4 statements) and a rebate for your first year’s annual fees!^†

Plus, receive $50 cash back when you set up a pre-authorized payment within the first 4 months.

With the CIBC Dividend^® Platinum Visa* Card, you get:

3% on eligible gas, electric vehicle charging, and grocery purchases^†
2% cash back on eligible transportation and dining purchases and on eligible recurring bill payments^†
1% cash back on all other purchases^†

And this CIBC Cash Back Credit Card offers some insurance coverage:

Auto Rental Collision/Loss Damage Insurance
$500,000 Common Carrier Accident Insurance
Purchase Security and Extended Protection Insurance

moi RBC Visa Credit Card

With the moi RBC Visa Card, you can earn a welcome bonus of 5,000 points:

3,000 points upon your first purchase;
2,000 additional points when you spend at least $500 in the first three months.

With this no-annual-fee RBC credit card, you can earn 2 points per dollar on:

eligible purchases made at participating stores at Metro, Première Moisson, and Brunet in Quebec, as well as at Jean Coutu in Quebec, Ontario, and New Brunswick when you present your Moi card and pay with your moi RBC Visa Credit Card
Restaurants, gas and electric vehicle charging

And 1 point per dollar for all other purchases.

Plus, save 3¢/L on gas at Petro-Canada and earn 20% more points when you pay with a linked RBC card

BMO CashBack® Mastercard®*

The BMO CashBack Mastercard is a no-annual-fee, cash-back credit card. With the BMO CashBack Mastercard, you can earn 5% cash back for the first three months. This represents a maximum welcome bonus of $125 :

5% cash back on up to $500 in eligible grocery purchases, for a $25 bonus
5% cash back on up to $500 in eligible recurring bill payments, for a $25 bonus
5% cash back on up to $1,500 in all other eligible purchases, for a $75 bonus

Then you get a cash back rate of:

3% cash back on grocery purchases, including at Walmart Supercenters
1% cash back on recurring bill payments

You can also get a 0.99% welcome interest rate on balance transfers for nine months.

Finally, enjoy three months of Instacart+ membership and a $5 monthly Instacart credit when you sign up with your eligible BMO credit card.

Frequent Asked Questions about credit cards

Here are some frequently asked questions in the milesopedia community about credit cards in Canada.

What is the best credit card for groceries?

There are several excellent credit cards for grocery shopping including:

American Express Cobalt^® Card: 5 points per dollar
MBNA Rewards World Elite^® Mastercard^®: 5 points per dollar.
National Bank’s World Elite Mastercard^®: 5 points per dollar
Scotiabank Gold American Express^® Card: 5 points per dollar
CIBC Dividend^® Visa Infinite* Card: 4% per dollar
Scotia Momentum^® VISA Infinite* card: 4% per dollar
SimplyCash^® Preferred Card from American Express: 4% per dollar

Which grocery stores accept American Express?

Many grocery banners accept American Express credit cards, such as Metro, Super C, IGA, Sobeys, Safeway, Walmart.

You can use one of these American Express credit cards to earn points or cash back on your grocery purchases:

American Express Cobalt^® Card: 5 points per dollar
Scotiabank Gold American Express^® Card: 5 points per dollar
SimplyCash^® Preferred Card from American Express: 4% per dollar

What is the best credit card for IGA or Sobeys?

There are several excellent credit cards for IGA or Sobeys grocery stores:

Scotiabank Gold American Express^® Card: 6 points per dollar
American Express Cobalt^® Card: 5 points per dollar
MBNA Rewards World Elite^® Mastercard^®: 5 points per dollar.
National Bank’s World Elite Mastercard^®: 5 points per dollar
CIBC Dividend^® Visa Infinite* Card: 4% per dollar
SimplyCash^® Preferred Card from American Express: 4% per dollar
Scotiabank Passport Visa Infinite+ Card: 3 points per dollar

IGA and Sobeys grocery stores accept American Express, Mastercard and Visa credit cards.

What is the best credit card for Metro?

There are several excellent credit cards for Metro grocery stores including:

American Express Cobalt^® Card: 5 points per dollar
Scotiabank Gold American Express^® Card: 5 points per dollar
MBNA Rewards World Elite^® Mastercard^®: 5 points per dollar.
National Bank’s World Elite Mastercard^®: 5 points per dollar
CIBC Dividend^® Visa Infinite* Card: 4% per dollar
SimplyCash^® Preferred Card from American Express: 4% per dollar

Metro grocery stores accept American Express, Mastercard and Visa credit cards.

What is the best credit card for Provigo?

There are several excellent credit cards for Provigo grocery stores:

National Bank’s World Elite Mastercard^®: 5 points per dollar
BMO CashBack^® World Elite^®* Mastercard^®*: 5% per dollar
MBNA Rewards World Elite^® Mastercard^®: 5 points per dollar.
CIBC Dividend^® Visa Infinite* Card: 4% per dollar
Scotia Momentum^® VISA Infinite* card: 4% per dollar
PC World Elite Mastercard: 30 points per dollar
RBC ION+ Visa card: 3 points per dollar
Scotiabank Passport Visa Infinite+ Card: 2 points per dollar

Provigo grocery stores accept Mastercard and Visa credit cards.

What is the best credit card for Maxi?

There are several excellent credit cards for Maxi grocery stores:

National Bank’s World Elite Mastercard^®: 5 points per dollar
BMO CashBack^® World Elite^®* Mastercard^®*: 5% per dollar
MBNA Rewards World Elite^® Mastercard^®: 5 points per dollar.
CIBC Dividend^® Visa Infinite* Card: 4% per dollar
Scotia Momentum^® VISA Infinite* card: 4% per dollar
PC World Elite Mastercard: 30 points per dollar
RBC ION+ Visa card: 3 points per dollar
Scotiabank Passport Visa Infinite+ Card: 2 points per dollar

Maxi grocery stores accept Mastercard and Visa credit cards.

What is the best credit card for Costco?

Check out the best Costco credit card offers.