Rankings
Best Credit Cards for Groceries in Canada
The Canadian credit cards that pay the most at grocery stores, with the real return per dollar: MBNA Rewards World Elite Mastercard, National Bank World Elite Mastercard, BMO CashBack World Elite Mastercard all earn 5%.
Which credit card gives the most back on groceries in Canada?
5% on groceries: MBNA Rewards World Elite Mastercard, National Bank World Elite Mastercard, BMO CashBack World Elite Mastercard, Scotiabank Gold American Express, American Express Cobalt. Next best are Scotia Momentum Visa Infinite +, Desjardins Cash Back World Elite Mastercard, Meridian Visa Infinite Cash Back.
| Card | Return on groceries | Annual fee | Net annual rewards |
|---|---|---|---|
| TopMBNA Rewards World Elite Mastercard | 5%* | $120 | $496 |
| National Bank World Elite Mastercard | 5%* | $150 | $468 |
| BMO CashBack World Elite Mastercard | 5%* | $139 | $430 |
| Scotiabank Gold American Express | 5%* | $120 | $361 |
| American Express Cobalt | 5%* | $192 | $236 |
| Scotia Momentum Visa Infinite + | 4%* | $120 | $400 |
| Desjardins Cash Back World Elite Mastercard | 4%* | $100 | $294 |
| Meridian Visa Infinite Cash Back | 4%* | $99 | $272 |
| CIBC Dividend Visa Infinite | 4%* | $120 | $266 |
| CIBC Dividend Platinum Visa | 3%* | $99 | $355 |
* Bonus rate stops after an annual or monthly spending cap, or applies only at eligible merchants. Points are converted at WalletReturn’s point values (most travel points ≈ 1¢).
Put it into practiceBest cards for groceriesHow much can a grocery card earn?
At $500 a month on groceries ($6,000 a year): 5% = $300, 4% = $240, 3% = $180, 1% = $60. Add your other spending to see the full picture in Find My Card.
Do grocery cards earn bonus points at Costco and Walmart?
Usually not. Most issuers classify Costco and Walmart as warehouse or discount stores, not grocery stores, so purchases earn the base rate. Costco Canada accepts only Mastercard; see the best cards for Costco.
What is the best no-fee credit card for groceries?
Among no-fee cards, the Scotiabank American Express earns the most overall ($364 a year at typical spending). No-fee grocery rates top out around 2%–3%.
Official sources and further reading
Terms vary by product. Confirm the provider’s current terms before acting. This guide does not predict approval, realized value or credit-score changes. How WalletReturn calculates value