Best Credit Cards for Restaurants and Dining Out

Best credit cards for restaurants in Canada

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Top 3 credit cards for dining and ordering takeout

Restaurant and dining credit cards help you save on meals whether you're dining out, ordering takeout, or getting delivery. Explore our top 3 restaurant and dining rewards credit cards, plus several other great options.

  • Why you can trust Money.ca's best dining credit cards in Canada list

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    Money.ca rates all credit cards on a numeric scale of 1 to 5 stars, with 1 being the lowest and 5 the highest rating, respectively. Money.ca’s proprietary scoring formulas break down the confusing language, complex points, rewards and earn rates to give you the real data that caters to your needs first, not ours. We analyzed 28 credit card programs, considered more than 135 features, reviewed over 200 cards and sifted through approximately 27,000 data points to identify the best options available.

    Our partnerships have no impact on our ratings, which are solely determined by the merits of each card. To learn more about how we researched and ranked these cards, read our full credit card review methodology.

🏅 Gold: Scotiabank Platinum American Express

Welcome Bonus: Earn up to $2,500* in value in the first 14 months, including up to 80,000 bonus Scene+ points. Expires Oct 31, 2025

On Scotiabank'sSecure Site

Get this card if you...

  • travel often and want premium travel perks like lounge access
  • want to avoid paying foreign exchange fees
  • value a great welcome offer

  • You’ll earn generous points every time you dine out, grab drinks, or enjoy entertainment, making this card perfect if you love going out and treating yourself.
  • Start off strong with a big welcome bonus that can help cover your next foodie adventure or dining experience.
  • You get premium travel perks like airport lounge access — ideal if you want to enjoy snacks and drinks before your flight in comfort.
  • With a low APR, you can splurge on unforgettable meals, shopping trips or getaways without worrying as much if you carry a balance.
  • No foreign transaction fees, so you can enjoy international food adventures without paying extra on your card.

Disclosures:

Conditions Apply. Visit here for the Scotiabank Platinum American Express® Card to learn more.*See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

🥈Silver: American Express Cobalt®

Welcome Bonus: Earn up to 15,000 Welcome Bonus Membership Rewards® points* – that’s up to $150 in value.

On American Express'Secure Site

Get this card if you...

  • quickly rack up rewards on dining and grocery purchases
  • want a flexible rewards program with travel rewards
  • want access to exclusive events and robust travel insurance

  • You’ll earn a whopping 5X points when you dine out, hit your favorite cafés, or order food delivery — one of the best earn rates in Canada for food lovers.
  • You can unlock huge first-year value, giving you more rewards to put toward your next big dining splurge or foodie trip.
  • With a manageable monthly fee, you get top-tier dining rewards without a big annual fee upfront.
  • You have the flexibility to use your points however you want — whether it’s dining gift cards, travel, or other rewards that fuel your love for great food.
  • You also get built-in travel insurance, so your food-focused getaways and restaurant trips stay protected.

Disclosures:

  • Contact American Express for the most up-to-date referral bonus figures.

    American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

🥉 Bronze: BMO Eclipse Rise Visa

Welcome Bonus: Get 20,000 points when you spend $1,500 in the first 3 months - that's a $133 value! Expires Jan 31, 2026

On BMO'sSecure Site

Get this card if you...

  • want to quickly earn points on everyday spending
  • want flexible point redemption options
  • value a great welcome offer

  • You can earn 5X  points on dining, groceries, gas and transit — so whether you’re grabbing takeout, dining out, or cooking at home, you’re earning rewards on every bite.
  • You’ll enjoy a generous welcome bonus that adds extra value right from the start, helping you maximize your everyday food spending.
  • With a $0 annual fee, you can keep racking up rewards on all your food purchases without paying extra each year.
  • If you’re managing balances, the balance transfer offer can free up more of your budget to spend on the meals and experiences you love.
  • You also get mobile device insurance, so your phone is protected when you’re making reservations, snapping food pics, or ordering delivery on the go.

Disclosures:

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information. 


Welcome Bonus: Get up to 60,000 points worth $400 in travel rewards, a $50 lifestyle credit and the $120 annual fee waived in the first year - that's a $570 value in your first anniversary.* Expires Jan 31, 2026

On BMO'sSecure Site

Get this card if you...

  • want to maximize rewards on everyday spending
  • want travel insurance and exclusive Visa Infinite perks
  • value a generous welcome offer

  • Offering a hefty 5 BMO Rewards points for every $1 spent on dining out or ordering in, the BMO eclipse Visa Infinite* has an excellent rewards scheme. 
  • Additionally, you’ll also get the same rate at bars, grocery stores, drugstores, and on gas and transit (applicable only to purchases in Canada). 
  • Another unique perk via Visa Infinite is the dining experiences you’ll have access to as an extra reward, such as multi-course meals with wine pairings delivered to your home or spending an evening with chefs.
  • One hundred and fifty BMO Rewards points can be redeemed for $1 in travel or investments into BMO accounts, which works out to a rate of $0.0067 per point. Points can also be redeemed as a statement credit or for merchandise, though the points will be worth less for those redemptions.  

Disclosures:

  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

Best restaurant credit card with no annual fee

Welcome Bonus: Earn 10% cash back for 2 months† (up to $100). Expires Aug 31, 2025

On Tangerine'sSecure Site

Get this card if you...

  • want flexible cash back categories
  • want unlimited cash back
  • want to avoid paying an annual fee

  • With the Tangerine Money-Back credit card, you get to choose two or three spending categories in which you’ll earn 2% back. 
  • Once you have selected restaurants as one of your money back categories, you will earn2% on every $1 spent on dining with no limits—a huge advantage over many other credit cards. 
  • Another reason why we love the Tangerine Money-Back card is that you will see those money back rewards in your account every month, you don’t need to wait a year to see your rewards.

Disclosures:

  • *Terms and Conditions apply

Best dining prepaid card

Welcome Bonus: Get 30 days of free trial for any KOHO plan. Get a $20 sign-up bonus on your first $20 transaction.

On Koho'sSecure Site

  • If you’ve had trouble managing your credit in the past, you may want to stay away from credit cards altogether. In this case, a prepaid card like the KOHO Extra credit card is a good choice that still allows you to earn cash back on restaurant spending. 
  • You’ll get 1.5% cash back when using KOHO Extra at restaurants, cafes, bars, on food delivery, and at both small or larger chain grocery stores. 
  • The 1.5% cash back also applies to transportation, including ride shares like Uber or Lyft.

It’s also important to keep in mind that KOHO Extra requires you to deposit money before you spend it, so there is no way to overspend.

Best for earning Aeroplan points at restaurants

Welcome Bonus: Earn up to 180,000 Membership Rewards® points* - that’s up to $1,800 towards a weekend away. Expires Aug 18, 2025

On American Express'Secure Site

Get this card if you...

  • are a frequent traveler who wants luxury perks like lounge access
  • want to rack up rewards quickly
  • want great travel insurance, perks and concierge services

  • With the Platinum Card® from American Express you earn 2X points on dining and food delivery purchases in Canada.
  • And The Platinum Card®’s premium dining benefits don’t stop at its earn rate. Platinum and Centurion cardholders have exclusive access to the Global Dining Collection, which offers reservations for international eateries at the vanguard of haute cuisine, and intimate dining events with the world’s most respected gourmet chefs. 
  • Enjoy curated dining experiences, complimentary $550 USD in benefits at 1,600+ Fine Hotels + Resorts, Toronto Pearson perks, Platinum Concierge service, comprehensive travel insurance, and free airport lounge access.

Disclosures:

Contact American Express for the most up-to-date referral bonus figures.

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

Conclusion

Whether it's enjoying meals at restaurants, subscribing to meal services, or ordering in, dining out plays a crucial role in our lives. Whether you prefer a card with no fees, low interest rates, or high rewards, one of the selections mentioned will meet your requirements. You can also check out our best rewards credit cards if you're looking for more perks.

Restaurant credit card FAQs

  • Can I earn cash back when I spend at restaurants?

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    Yes! Although many of the credit cards listed above allow you to earn rewards points that can be redeemed for travel and merchandise, KOHO Extra lets you earn 1.5% cash back on all restaurant spending.

  • Do I have to pay an annual fee to earn rewards from restaurant spending or dining out?

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    No. While most rewards credit cards require you to pay an annual fee, the Tangerine Money-Back Card does not have a yearly fee. The rewards you can earn with this credit card are slightly lower than the fee-based cards, so it’s essential to consider your spending habits when deciding which credit card is best for you.

  • What constitutes a restaurant for most rewards credit cards?

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    Most credit cards use merchant category codes to classify your spending into rewards categories. You can check your vendor’s merchant category code online in advance of your purchase, but this process can be onerous. A quicker method to keep track of which establishments qualify for rewards is to monitor your credit card statement, which will show the purchases that qualify for rewards or cashback.

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

Jordann Brown is a freelance personal finance writer whose areas of expertise include debt management, homeownership and budgeting. She is based in Halifax and has written for publications including The Globe and Mail, Toronto Star, and CBC.

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†Terms and Conditions apply.