Ranked by value
Best Credit Cards for Groceries in Canada (July 2026)
Top earn rates on grocery and supermarket spending. 52 cards, ranked. Every figure cites the official issuer page. Updated 2026-07-29.
The best credit cards for groceries in Canada right now is the The American Express® Cobalt® Card from American Express, which leads our value ranking of 52 cards with a $191.88 annual fee and 21.99% purchase APR. Top earn rates on grocery and supermarket spending. We rank by the estimated real value a cardholder gets, with every figure sourced from the official issuer page and refreshed 2026-07-29. Nothing here is financial advice.
The American Express® Cobalt® Card
American Express
Welcome value
~$300
Annual fee
$191.88
Purchase APR
21.99%
- Big welcome bonus worth ~$300
- Earn 5x on eats & drinks (eligible restaurants, food delivery, groceries in canada)
The American Express® Cobalt® Card
AMERICAN EXPRESSWelcome value, at a glance
Estimated CADMid-market point valuations, used only to compare cards. Not issuer-guaranteed. Confirm offers on the issuer page.
The rest of the ranking
51 more cards- 2
RBC Royal BankInfinite
More Rewards RBC Visa Infinite
No annual fee rewards
Welcome value
~$200
Welcome More Rewards points 20,000
- Annual fee
- No fee
- Purchase APR
- 20.99%
8.0Cited · verified 2026-06-13View → - 3
PC FinancialWorld Elite
PC Insiders World Elite Mastercard
Everyday rewards
Welcome value
—
No current offer
First Year Annual Fee Waived and 50,000 bonus PC Optimum™ points*
- Annual fee
- $120
- Purchase APR
- 21.99%
7.9Cited · verified 2026-06-13View → - 4
RBC ION+ Visa
Travel points & miles
Welcome value
~$280
Get 14,000 Avion points upon approval - that's $100 of value in gift cards
- Annual fee
- $48
- Purchase APR
- 20.99%
8.0Cited · verified 2026-06-13View → - 5
Scotiabank
Scotiabank Gold American Express Card
Great for travel abroad
Welcome value
~$450
Earn up to 45,000 bonus Scene+ points ($450 in travel rewards)
- Annual fee
- $120
- Purchase APR
- 21.99%
8.3Cited · verified 2026-06-13View → - 6
BMOWorld Elite
BMO CashBack World Elite Mastercard
Cash back on everyday spending
Welcome value
—
No current offer
Get up to $650 in value and the annual fees waived in the first year.
- Annual fee
- $139
- Purchase APR
- 21.99%
7.6Cited · verified 2026-06-13View → - 7
More Rewards RBC Visa
No annual fee rewards
Welcome value
~$200
Welcome More Rewards points 20,000
- Annual fee
- No fee
- Purchase APR
- 20.99%
7.9Cited · verified 2026-06-13View → - 8
Neo FinancialWorld Elite
Neo World Elite Mastercard
Cash back on everyday spending
Welcome value
—
No current offer
- Annual fee
- $149
- Purchase APR
- 19.99%
7.6Cited · verified 2026-06-13View → - 9
CIBCInfinite Privilege
CIBC Aeroplan Visa Infinite Privilege Card
Travel points & miles
Welcome value
—
No current offer
- Annual fee
- $599
- Purchase APR
- 21.99%
7.2Cited · verified 2026-06-13View → - 10
American Express
American Express® Gold Rewards Card
Everyday rewards
Welcome value
~$1200
Earn up to 60,000 Membership Rewards points in your first year
- Annual fee
- $250
- Purchase APR
- 21.99%
8.4Cited · verified 2026-06-13View → - 11
CIBC Dividend Visa Infinite Card
Cash back on everyday spending
Welcome value
—
No current offer
10% cash back welcome bonus up to $200 plus $50 pre-authorized payment bonus
- Annual fee
- $120
- Purchase APR
- —
7.4Cited · verified 2026-06-13View → - 12
Scotia Momentum Visa Infinite Card
Cash back on everyday spending
Welcome value
—
No current offer
Offer until Nov 115% cash back on first $2,000 in everyday purchases (first 3 months) + first year annual fee waived
- Annual fee
- $120
- Purchase APR
- 20.99%
7.6Cited · verified 2026-06-13View → - 13
SimplyCash® Preferred Card from American Express
Cash back on everyday spending
Welcome value
—
No current offer
Earn up to $200 in bonus cash back
- Annual fee
- $119.88
- Purchase APR
- 21.99%
7.3Cited · verified 2026-06-13View → - 14
TD Canada TrustInfinite
TD® First Class Travel® Visa Infinite* Card
Everyday rewards
Welcome value
~$730
Up to $1,300 in value including up to 146,000 TD Rewards Points plus first-year annual fee rebate
- Annual fee
- $139
- Purchase APR
- 21.99%
7.9Cited · verified 2026-06-13View → - 15
CIBC Aeroplan Visa Infinite Card
Travel points & miles
Welcome value
—
No current offer
- Annual fee
- $139
- Purchase APR
- 21.99%
7.1Cited · verified 2026-06-13View → - 16
TD® Aeroplan® Visa Infinite* Card
Travel points & miles
Welcome value
~$840
Up to $1,350 in value including up to 40,000 Aeroplan points plus first-year annual fee rebate
- Annual fee
- $139
- Purchase APR
- 21.99%
7.8Cited · verified 2026-06-13View → - 17
BMO CashBack Mastercard
Cash back on everyday spending
Welcome value
—
No current offer
Get up to 5% cash back in your first 3 months
- Annual fee
- No fee
- Purchase APR
- 21.99%
7.3Cited · verified 2026-06-13View → - 18
CIBC Dividend Platinum Visa Card
Cash back on everyday spending
Welcome value
—
No current offer
10% cash back welcome bonus up to $200 plus $50 pre-authorized payment bonus
- Annual fee
- $99
- Purchase APR
- 21.99%
7.1Cited · verified 2026-06-13View → - 19
RBC ION Visa
Travel points & miles
Welcome value
~$140
Get 7,000 Avion points upon approval - that's $50 of value in gift cards
- Annual fee
- No fee
- Purchase APR
- 20.99%
7.4Cited · verified 2026-06-13View → - 20
Scotiabank American Express Card
No annual fee rewards
Welcome value
~$25
Earn 2,500 bonus Scene+ points
- Annual fee
- No fee
- Purchase APR
- 21.99%
7.2Cited · verified 2026-06-13View → - 21
Scotiabank Passport Visa Infinite Card
Great for travel abroad
Welcome value
~$500
Earn up to 40,000 bonus Scene+ points + 10,000 in first 6 months
- Annual fee
- $150
- Purchase APR
- 20.99%
8.1Cited · verified 2026-06-13View → - 22
Scotiabank Passport Visa Infinite Privilege Card
Great for travel abroad
Welcome value
~$300
Earn 30,000 bonus Scene+ points
- Annual fee
- $599
- Purchase APR
- 20.99%
7.6Cited · verified 2026-06-13View → - 23
TD Cash Back Visa Infinite* Card
Cash back on everyday spending
Welcome value
—
No current offer
Earn up to $600 in total value - 10% Cash Back in first 3 months plus first-year annual fee rebate
- Annual fee
- $139
- Purchase APR
- 21.99%
7.0Cited · verified 2026-06-13View → - 24
TD® Platinum Travel Visa* Card
Everyday rewards
Welcome value
~$250
Up to $370 in value including up to 50,000 TD Rewards Points plus first-year annual fee rebate
- Annual fee
- $89
- Purchase APR
- 21.99%
7.2Cited · verified 2026-06-13View → - 25
TD® Aeroplan® Visa Platinum* Card
Travel points & miles
Welcome value
~$420
Welcome bonus up to 20,000 Aeroplan points
- Annual fee
- $89
- Purchase APR
- 21.99%
7.1Cited · verified 2026-06-13View → - 26
Neo World Mastercard
Cash back on everyday spending
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 19.99%
6.9Cited · verified 2026-06-13View → - 27
RBC Cash Back Mastercard
Cash back on everyday spending
Welcome value
—
No current offer
Offer until Sep 9Get up to 7% cash back for the first 3 months on up to $1,000 in total purchases
- Annual fee
- No fee
- Purchase APR
- 20.99%
7.0Cited · verified 2026-06-13View → - 28
Scotia Momentum Visa Card
Cash back on everyday spending
Welcome value
—
No current offer
- Annual fee
- $49
- Purchase APR
- 20.99%
6.9Cited · verified 2026-06-13View → - 29
Scotiabank Scene+ Visa Card
No annual fee rewards
Welcome value
~$25
Earn 7,500 bonus Scene+ points (welcome offer includes 2,500 first-spend + 5,000 ongoing)
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.9Cited · verified 2026-06-13View → - 30
SimplyCash® Card from American Express
Cash back on everyday spending
Welcome value
—
No current offer
Earn up to $100 in bonus cash back
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.9Cited · verified 2026-06-13View → - 31
TD Rewards Visa* Card
No annual fee rewards
Welcome value
~$152
Welcome Bonus of 30,310 TD Rewards Points plus $100 value in TD Rewards Points for Amazon.ca, no annual fee
- Annual fee
- No fee
- Purchase APR
- 21.99%
7.0Cited · verified 2026-06-13View → - 32
WestJet RBC World Elite Mastercard
Travel points & miles
Welcome value
~$450
Get up to 45,000 WestJet points, a value of up to $450 off travel
- Annual fee
- $139
- Purchase APR
- 20.99%
7.2Cited · verified 2026-06-13View → - 33
moi RBC Visa
No annual fee rewards
Welcome value
~$40
Offer until Jan 20Get up to 5,000 bonus Moi points (a value of $40) by January 20, 2027
- Annual fee
- No fee
- Purchase APR
- 20.99%
6.9Cited · verified 2026-06-13View → - 34
Neo Mastercard
Cash back on everyday spending
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 19.99%
6.7Cited · verified 2026-06-13View → - 35
Scotia Momentum Mastercard
Cash back on everyday spending
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- 20.99%
6.7Cited · verified 2026-06-13View → - 36
Scotia Momentum No-Fee Visa Card
Cash back on everyday spending
Welcome value
—
No current offer
5% cash back on up to $2,000 in eligible purchases for first 3 months + 0% intro balance transfer rate
- Annual fee
- No fee
- Purchase APR
- 20.99%
6.7Cited · verified 2026-06-13View → - 37
TD Cash Back Visa* Card
Cash back on everyday spending
Welcome value
—
No current offer
Earn up to $100 in Cash Back Dollars
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.6Cited · verified 2026-06-13View → - 38
PC World Elite Mastercard
No annual fee rewards
Welcome value
—
No current offer
Enjoy 50,000 bonus PC Optimum™ points
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.7Cited · verified 2026-06-13View → - 39
PC World Mastercard
No annual fee rewards
Welcome value
—
No current offer
Earn 50,000 bonus PC Optimum™ Points
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.6Cited · verified 2026-06-13View → - 40
PC Mastercard
No annual fee rewards
Welcome value
—
No current offer
Earn 50,000 bonus PC Optimum™ points
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.6Cited · verified 2026-06-13View → - 41
BMO eclipse rise Visa
No annual fee rewards
Welcome value
—
No current offer
25,000 bonus points for you
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.5Cited · verified 2026-06-13View → - 42
CIBC Aventura Gold Visa Card
Everyday rewards
Welcome value
60k pts
Earn up to 60,000 Aventura Points (up to $1,200 in travel value) plus annual fee rebate
- Annual fee
- $139
- Purchase APR
- —
5.9Cited · verified 2026-06-13View → - 43
CIBC Aventura Visa Infinite Card
Everyday rewards
Welcome value
60k pts
Earn up to 60,000 Aventura Points (up to $1,200 in travel value) plus annual fee rebate
- Annual fee
- $139
- Purchase APR
- 21.99%
5.9Cited · verified 2026-06-13View → - 44
MBNAPlatinum Plus
MBNA Rewards Platinum Plus Mastercard
No annual fee rewards
Welcome value
10k pts
Earn up to 10,000 bonus MBNA Rewards Points ($50 in cash back value)
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.5Cited · verified 2026-06-17View → - 45
MBNA Rewards World Elite Mastercard
Everyday rewards
Welcome value
30k pts
Earn up to 30,000 bonus MBNA Rewards Points
- Annual fee
- $120
- Purchase APR
- 21.99%
6.1Cited · verified 2026-06-17View → - 46
MBNA Smart Cash Platinum Plus Mastercard
No annual fee rewards
Welcome value
—
No current offer
Earn 5% Cash Back on gas and groceries for the first 6 months
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.5Cited · verified 2026-06-17View → - 47
MBNA Smart Cash World Mastercard
Everyday rewards
Welcome value
—
No current offer
Earn 5% Cash Back on gas and groceries for the first 6 months
- Annual fee
- $39
- Purchase APR
- 21.99%
6.2Cited · verified 2026-06-17View → - 48
National BankPlatinum
National Bank Platinum Mastercard
Everyday rewards
Welcome value
25k pts
Up to 25,000 rewards points upon enrollment
- Annual fee
- —
- Purchase APR
- 20.99%
6.6Cited · verified 2026-06-17View → - 49
National Bank World Elite Mastercard
Everyday rewards
Welcome value
35k pts
Get up to $1,052 in benefits and rewards for the first year
- Annual fee
- $150
- Purchase APR
- 22.49%
6.1Cited · verified 2026-06-17View → - 50
Simplii Financial
Simplii Cash Back Visa
No annual fee rewards
Welcome value
—
No current offer
Earn up to 20% cash back
- Annual fee
- No fee
- Purchase APR
- 21.99%
6.5Cited · verified 2026-06-13View → - 51
Canadian TireWorld Elite
Triangle World Elite Mastercard
No annual fee rewards
Welcome value
—
No current offer
- Annual fee
- No fee
- Purchase APR
- —
6.6Cited · verified 2026-06-17View → - 52
United MileagePlus Neo World Elite Mastercard
Travel points & miles
Welcome value
25k pts
Up to 25,000 MileagePlus miles
- Annual fee
- $89
- Purchase APR
- 19.99%
6.2Cited · verified 2026-06-13View →
Frequently asked
- What is the best credit cards for groceries in Canada?
- Based on our value ranking, the The American Express® Cobalt® Card from American Express currently leads this category, with a $191.88 annual fee and 21.99% purchase APR. Rankings update daily.
- How are these cards ranked?
- We rank by estimated real value for the category, computed from the welcome offer, earn rates, annual fee, and benefits. Every figure is pulled from the official issuer page, never an affiliate feed.
- How current is this information?
- Fees, rates, and offers are checked regularly against the official issuer pages. This page was last updated 2026-07-29. Always confirm details on the issuer's site before applying.
More categories
Best cards for where you shop
Find cards by perk
Learn before you apply
Quick tools
Ranked by value, never payouts
Not sure which one is right for you?
Answer a few questions and we will match you to the cards built for how you actually spend.