Updated February 2026
Best Credit Cards for Groceries
Maximize rewards on food shopping
Groceries are one of the biggest monthly expenses for Canadian households. The right credit card can earn you 3-5% back on every grocery trip, adding up to hundreds of dollars in annual savings.
We've evaluated dozens of cards to bring you the top picks in this category. Our recommendations are based on reward rates, fees, welcome bonuses, and overall value for Canadian consumers.
Top Credit Cards for Groceries for 2026
Scotiabank
Scotiabank Gold American Express
Annual Fee
$120
Welcome Bonus
$450
Base Rate
1%
Network
amex
Earn up to 6 points per $1 at Sobeys, 5 on dining/groceries. No foreign transaction fees. Comprehensive travel insurance.
Annual Fee
$120
Welcome Bonus
$400
Base Rate
1%
Network
visa
Earn 4% cash back on gas, EV charging and groceries. 2% on dining, transit and recurring payments. Save at the pump with Journie Rewards.
American Express
American Express SimplyCash Preferred
Annual Fee
$120
Welcome Bonus
$250
Base Rate
2%
Network
amex
Earn 4% cash back on gas and groceries, 2% on everything else. One of the highest base rates in Canada.
Annual Fee
$120
Welcome Bonus
$335
Base Rate
1%
Network
mastercard
Earn 5% on groceries, 4% on transit, 3% on gas. Includes free roadside assistance and extensive insurance.
Scotiabank
Scotiabank Momentum Visa Infinite
Annual Fee
$120
Welcome Bonus
$200
Base Rate
1%
Network
visa
Earn 4% on groceries and recurring bills, 2% on gas and transit. Annual fee can be waived with Ultimate Package.
PC Financial
PC Insiders World Elite Mastercard
Annual Fee
$120
Welcome Bonus
$300
Base Rate
1%
Network
mastercard
Earn up to 70 points per $1 at Esso/Mobil, 50 at Shoppers, 40 at Loblaw stores. Free PC Express pickup.
PC Financial
PC World Elite Mastercard
Annual Fee
Free
Welcome Bonus
$300
Base Rate
1%
Network
mastercard
Earn up to 4.5% back in PC points at Shoppers Drug Mart and 3% at Loblaw stores. Stack with PC Optimum offers.
Annual Fee
$139
Welcome Bonus
$600
Base Rate
1%
Network
visa
Earn 3% on groceries, gas, EV charging, transit, streaming, and recurring bills. Free roadside assistance.
Annual Fee
$120
Welcome Bonus
$200
Base Rate
1%
Network
mastercard
Earn 5 points per $1 on restaurants, groceries, digital media, utilities. 10% annual birthday bonus.
Neo Financial
Neo World Elite Mastercard
Annual Fee
$125
Base Rate
1%
Network
mastercard
Earn 5% on groceries, 4% on recurring bills, 3% on gas. Higher rates with Neo banking relationship.
Annual Fee
Free
Welcome Bonus
$175
Base Rate
0.5%
Network
mastercard
Earn 3% on groceries, 1% on recurring bills. Perfect for students. No annual fee with 7 cent Shell discount.
🛒 Tips for Choosing the Right Card
- ✓Match your spending: Choose a card that rewards the categories where you spend most.
- ✓Consider the annual fee: Higher fees often mean better rewards—make sure you'll earn enough to justify the cost.
- ✓Check welcome bonuses: Sign-up offers can be worth hundreds of dollars in the first year.
- ✓Read the fine print: Look for category caps, minimum spend requirements, and redemption restrictions.
Frequently Asked Questions
How do I know which card is best for me?
Look at your monthly spending patterns. If you spend $500+ on groceries, a card with 5% grocery rewards will earn you $300+/year. Compare that against the annual fee to see your net benefit.
Can I have multiple credit cards?
Yes! Many Canadians use 2-3 cards strategically—one for groceries, one for dining, one for everything else. Just ensure you can manage payments and keep utilization low.
Will applying hurt my credit score?
Each application causes a small, temporary dip (usually 5-10 points). This recovers within a few months. Avoid applying for multiple cards in a short period.