Restaurant and dining cards save you money not just when dining out but when ordering takeout and delivery, too.
When it comes to maximizing credit card rewards, choosing the right card for specific spending categories is crucial. For Canadians, dining and restaurant purchases (including takeout and deliveries) can be particularly rewarding with the right credit card.
Many rewards credit cards offer bonuses for typical expenditure such as groceries, gas and transportation. However, only a handful provide cash back for restaurant expenses, making them among the picks on our best credit cards Canada list. This is a list of the top cards for those who frequently dine out.
3 best dining cards
American Express Cobalt® Card

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

Earn up to $780* in value in the first 12 months, including up to 40,000 bonus Scene+ points.
Tangerine Money-Back Credit Card

New cardholders get a bonus 10% cash back for the first 2 months – up to $100. Offer ends Jan. 31, 2025
Overall best credit card for restaurants in Canada
up to 15k pts
Welcome Bonus
$679.02
First Year Value
$529.02
Annual Value
Welcome Bonus: Earn up to 15,000 Membership Rewards® points* by earning 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 on your Card in your first year as a new Cardmember. This could add up to 15,000 points in a year.*
Get this card if you...
Annual Fee & Annual Interest Rates
$155.88
Annual Fee
21.99%
Purchase
21.99%
Cash Advance
-
Our Take
American Express Cobalt® Card ReviewThe American Express Cobalt® Card is a versatile rewards credit card designed for individuals who frequently spend on dining, groceries and travel-related expenses. It offers flexible redemption options and includes various travel and purchase protections, making it a comprehensive choice for those seeking to maximize rewards on everyday spending.
Eligibility
Fair (300 - 619)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
-
Pros
Cons
-
-
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
28.99%
Penalty
Fees
$155.88
Annual Fee
$2.5
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
-
Rewards Membership Rewards
5x
the points on eligible eats & drinks purchases in Canada
3x
the points on eligible streaming subscriptions in Canada
2x
the points on eligible gas, transit & ride share in Canada
1x
the points on everything else
1
additional Membership Rewards point for every $1 you charge on eligible hotel or car rental bookings made with American Express Travel
$100 USD
Get up to $100 USD hotel credit to use on amenities like dining, spa or other leisure facilities when charged to the room
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$250,000
Travel accident insurance amount
$500
Hotel burglary insurance
$85,000
Rental car insurance amount
-
Earn up to 15,000 Membership Rewards® points* by earning 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 on your Card in your first year as a new Cardmember. This could add up to 15,000 points in a year.*
That’s up to $150 towards your next weekend getaway.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
Our Take
The American Express Cobalt® Card is a versatile rewards credit card designed for individuals who frequently spend on dining, groceries and travel-related expenses. It offers flexible redemption options and includes various travel and purchase protections, making it a comprehensive choice for those seeking to maximize rewards on everyday spending.
Eligibility
Fair (300 - 619)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
Cons
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
28.99%
Penalty
Fees
$155.88
Annual Fee
$2.5
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
Rewards Membership Rewards
5x
the points on eligible eats & drinks purchases in Canada
3x
the points on eligible streaming subscriptions in Canada
2x
the points on eligible gas, transit & ride share in Canada
1x
the points on everything else
1
additional Membership Rewards point for every $1 you charge on eligible hotel or car rental bookings made with American Express Travel
$100 USD
Get up to $100 USD hotel credit to use on amenities like dining, spa or other leisure facilities when charged to the room
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$250,000
Travel accident insurance amount
$500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 15,000 Membership Rewards® points* by earning 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 on your Card in your first year as a new Cardmember. This could add up to 15,000 points in a year.*
That’s up to $150 towards your next weekend getaway.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
The American Express Cobalt® Card is an excellent all-around rewards credit card that benefits Canadians with a penchant for spending money on food regularly. In addition to earning 5X points for every $1 every time you swipe in an eligible restaurant, you also get the same number of points when you spend at eligible grocery stores, bars, cafes, and on food delivery (applicable only to purchases made in Canada).
When it comes time to trade in your rewards, Amex points are worth $0.01 each when redeemed against any eligible purchase you’ve made with the card, including restaurant bills. The annual fee is a high-ish, $155.88 ($12.99/month), but you can make up for that with the introductory offer:
Welcome offer:
Earn up to 15,000 Membership Rewards® points* by earning 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 on your Card in your first year as a new Cardmember. This could add up to 15,000 points in a year.*
That’s up to $150 towards your next weekend getaway.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
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.
Best for dining with no foreign exchange fees
up to $780 in value
Welcome Bonus
$1,382
First Year Value
$602
Annual Value
Welcome Bonus: up to $780* in value in the first 12 months, including up to 40,000 bonus Scene+ points Expires Jul 01, 2025
Get this card if you...
Annual Fee & Annual Interest Rates
$120
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
-
Our Take
Scotiabank Gold American Express® ReviewThe Scotiabank Gold American Express® Card is a rewards credit card that offers accelerated earn rates on categories such as groceries, dining, and entertainment. It also provides benefits like no foreign transaction fees and comprehensive travel insurance, making it suitable for both everyday spending and international use.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
-
Pros
Cons
-
-
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$120
Annual Fee
$0
Foreign Transaction
-
Rewards Scene+
6x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more
5x
Scene+ points for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
5x
Scene+ points for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.
3x
Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more
3x
Scene+ points for every $1 CAD you spend in Canada on eligible select streaming services
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Insurance Benefits
$1,000
Mobile device insurance amount
$1,000,000
Emergency medical insurance amount
$3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
-
Earn up to $780* in value in the first 12 months, including up to 40,000 bonus Scene+ points.
To qualify for these offers make sure to open a new Scotiabank Gold American Express credit card account (“Account”) opened between January 3, 2025 and July 1, 2025
To qualify for the 40,000 bonus Scene+ points offer:
1. Earn 20,000 bonus Scene+ points by making at least $2,000 in everyday eligible purchases in your first 3 months.
2. Plus, for a limited time, you are eligible to earn a 20,000 Scene+ point bonus when you spend at least $7,500 in everyday eligible purchases in your first year.
Once you qualify, your account will be credited in 2 instalments:
1. 20,000 bonus Scene+ points will be credited to the applicable Scene+ membership account approximately 8 weeks after the qualifying $2,000 in eligible purchases being posted to your Account within the first 3 months of Account opening.
2. An additional 20,000 bonus Scene+ points will be credited to the applicable Scene+ membership account approximately 8 weeks after you have met the $7,500 annual spend threshold in your Account in your first year.
Note: For joint Accounts, the applicable bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases in the case of the 20,000 Point Bonus and the Additional 20,000 Point Bonus.
Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for this offer.
See terms and conditions for full details.
Our Take
The Scotiabank Gold American Express® Card is a rewards credit card that offers accelerated earn rates on categories such as groceries, dining, and entertainment. It also provides benefits like no foreign transaction fees and comprehensive travel insurance, making it suitable for both everyday spending and international use.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
Pros
Cons
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$120
Annual Fee
$0
Foreign Transaction
Rewards Scene+
6x
Scene+ points¹ on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more
5x
Scene+ points for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
5x
Scene+ points for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.
3x
Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more
3x
Scene+ points for every $1 CAD you spend in Canada on eligible select streaming services
1x
Scene+ point for every $1 spent on all other eligible everyday purchases
4x
Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
Insurance Benefits
$1,000
Mobile device insurance amount
$1,000,000
Emergency medical insurance amount
$3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $780* in value in the first 12 months, including up to 40,000 bonus Scene+ points. To qualify for these offers make sure to open a new Scotiabank Gold American Express credit card account (“Account”) opened between January 3, 2025 and July 1, 2025 |
If you spend frequently on restaurants and travel or shop internationally, then the Scotiabank Gold American Express® is an excellent choice. You can earn 5X Scene+ points for every $1 CAD you spend when dining at restaurants, fast food joints, or eligible bars. You’ll also earn the same rate on food delivery services, food subscriptions such as Hello Fresh and groceries. If you want to splurge on both dinner and a movie, Scotiabank also gives you 1X Scene+ points for every $1 CAD on eligible entertainment purchases, including movie and theatre tickets. You’ll also earn 6X Scene+ points for each $1 CAD charged to your account on all eligible purchases at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA and a bunch more eligible grocers.¹
Scene+ points are worth up to $0.01 each, depending on what you’re redeeming them on. When you’ve earned enough you can redeem them for things like air travel, purchases of merchandise at eligible retailers, gift cards, or credits to your statement balance.
Besides offering points, this credit card also waives foreign transaction fees on international purchases. Foreign transaction fees usually add 2.5% to every international transaction, so waiving this fee can add up to significant savings if you make international transactions regularly. International dining bills unfortunately will not earn at at the 1 points per $1 rate—they’ll earn at 1 point per $1 instead. But the foreign transaction fee waiver nonetheless makes this one of the best dining cards for those who travel abroad frequently.
Disclosures:
Conditions Apply. Visit here for the Scotiabank Gold 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.
Best for fine dining experiences
up to 60K pts
Welcome Bonus
$762.4
First Year Value
$262.4
Annual Value
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 Jun 01, 2025
Get this card if you...
Annual Fee & Annual Interest Rates
$120
Annual Fee
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
-
Our Take
BMO eclipse Visa Infinite* Card ReviewThe BMO eclipse Visa Infinite* Card is a rewards credit card designed for individuals who frequently spend on categories such as groceries, dining, gas, and transit. It offers flexible redemption options through the BMO Rewards program and includes additional benefits like a lifestyle credit and various insurance coverages.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
-
Pros
Cons
-
-
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Fees
$120
Annual Fee
-
Rewards BMO Rewards
5x
Earn 5x the points for every $1 spent on groceries, gas, dining in and out and transit.*
10%
Earn 10% more points when you add an authorized user to your account.*
$50
Get a $50 annual lifestyle credit to spend however you want*
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
-
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!*
- 30,000 points when you spend $3,000 in the first 3 months, and 2,500 points for each subsequent month in which you make at least $2,000 in purchases on your card, for 12 months.
Our Take
The BMO eclipse Visa Infinite* Card is a rewards credit card designed for individuals who frequently spend on categories such as groceries, dining, gas, and transit. It offers flexible redemption options through the BMO Rewards program and includes additional benefits like a lifestyle credit and various insurance coverages.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
Cons
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Fees
$120
Annual Fee
Rewards BMO Rewards
5x
Earn 5x the points for every $1 spent on groceries, gas, dining in and out and transit.*
10%
Earn 10% more points when you add an authorized user to your account.*
$50
Get a $50 annual lifestyle credit to spend however you want*
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
- 30,000 points when you spend $3,000 in the first 3 months, and 2,500 points for each subsequent month in which you make at least $2,000 in purchases on your card, for 12 months.
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.
a $50 annual lifestyle credit to spend however you want*, mobile device insurance, and you can boost your earn rate by 10% when you add a secondary cardholder to your account. If you want to add even more lucrative rewards like priority airport lounge and security passes, luxury hotel access and more, and are willing to pay a higher fee, check out the BMO eclipse Visa Infinite Privilege* credit card.
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 for no annual fee
$484
First Year Value
$384
Annual Value
Welcome Bonus: Get a bonus 10% cash back for the first 2 months – up to $100. Plus, a 1.95% promotional balance transfer interest rate for the first 6 months.
Get this card if you...
Annual Fee & Annual Interest Rates
$0
Annual Fee
19.95% - 24.95%
Purchase
19.95%
Cash Advance
1.95% - 19.95%
Balance Transfer
-
Our Take
Tangerine Money-Back Credit Card ReviewThe Tangerine Money-Back Credit Card is a no-annual-fee cash back card that allows cardholders to earn a higher cash back rate in two spending categories of their choice, such as groceries, gas, or restaurants, and a lower rate on all other purchases. By opening a Tangerine Savings Account and directing cash back earnings there, a third higher rate cash back category can be added. Additional benefits include purchase assurance and extended warranty protection, with cash back rewards automatically applied monthly.
Eligibility
Good (620 - 670)
Recommended Credit Score
$12,000
Required Annual Personal Income
-
Pros
Cons
-
-
Annual Interest Rates
19.95% - 24.95%
Purchase
19.95%
Cash Advance
1.95% - 19.95%
Balance Transfer
1.95%
Balance Transfer (Introductory)
24.95%
Penalty
Fees
$0
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
$3.5
Cash Advance
$25
Over The Limit Penalty
$25
Return Penalty
-
Rewards cash back
2%
Earn 2% cash back on 2 categories of your choice (e.g. groceries, recurring bills, gas, drug stores, etc.)
3
Get a Tangerine Savings account and add a 3rd 2% cash back category.
0.5%
Earn 0.50% on all your other everyday purchases.
-
Get a bonus 10% cash back – up to $100. Applies to purchases in your first 2 months. Plus, a 1.95% promotional balance transfer interest rate for the first 6 months.
The Tangerine 10% Limited-time Promotional Offer (the “Offer”) is only available to new Tangerine Credit Card Account holders who (i) apply for a Tangerine World Credit Card (the “Account”) by January 31, 2025, (ii) activate their Account within 45 days of approval, and (iii) have up to a maximum of $1,000 in total Net Purchases posted to their Account within the 60-day period beginning on the date the Tangerine World Credit Card is activated. Limit of one Offer per eligible Client. This Offer is non-transferable. Offer may be changed, cancelled or extended at any time. All other Account terms, including the Tangerine Money-Back Rewards program terms, remain unchanged and continue to apply. See the Tangerine Credit Card Cardholder Agreement for more details, including definitions of any capitalized terms.
Our Take
The Tangerine Money-Back Credit Card is a no-annual-fee cash back card that allows cardholders to earn a higher cash back rate in two spending categories of their choice, such as groceries, gas, or restaurants, and a lower rate on all other purchases. By opening a Tangerine Savings Account and directing cash back earnings there, a third higher rate cash back category can be added. Additional benefits include purchase assurance and extended warranty protection, with cash back rewards automatically applied monthly.
Eligibility
Good (620 - 670)
Recommended Credit Score
$12,000
Required Annual Personal Income
Pros
Cons
Annual Interest Rates
19.95% - 24.95%
Purchase
19.95%
Cash Advance
1.95% - 19.95%
Balance Transfer
1.95%
Balance Transfer (Introductory)
24.95%
Penalty
Fees
$0
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
$3.5
Cash Advance
$25
Over The Limit Penalty
$25
Return Penalty
Rewards cash back
2%
Earn 2% cash back on 2 categories of your choice (e.g. groceries, recurring bills, gas, drug stores, etc.)
3
Get a Tangerine Savings account and add a 3rd 2% cash back category.
0.5%
Earn 0.50% on all your other everyday purchases.
Get a bonus 10% cash back – up to $100. Applies to purchases in your first 2 months. Plus, a 1.95% promotional balance transfer interest rate for the first 6 months.
The Tangerine 10% Limited-time Promotional Offer (the “Offer”) is only available to new Tangerine Credit Card Account holders who (i) apply for a Tangerine World Credit Card (the “Account”) by January 31, 2025, (ii) activate their Account within 45 days of approval, and (iii) have up to a maximum of $1,000 in total Net Purchases posted to their Account within the 60-day period beginning on the date the Tangerine World Credit Card is activated. Limit of one Offer per eligible Client. This Offer is non-transferable. Offer may be changed, cancelled or extended at any time. All other Account terms, including the Tangerine Money-Back Rewards program terms, remain unchanged and continue to apply. See the Tangerine Credit Card Cardholder Agreement for more details, including definitions of any capitalized terms.
If you are looking for a credit card that will allow you to earn on dining out without having to pay a hefty annual fee, then look no further than the Tangerine Money-Back Card. It’s free of charge and still has a decent earn rate for restaurants. The way this credit card works is that you, the cardholder, 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 prepaid card for restaurants
$20 sign-up bonus
Welcome Bonus
$0
First Year Value
$0
Annual Value
Welcome Bonus: Get 30 days of free trial for any KOHO plan. Get a $20 sign-up bonus on your first $20 transaction.
Annual Fee & Annual Interest Rates
$144
Annual Fee
-
Our Take
KOHO Extra Mastercard® Prepaid Card ReviewThe KOHO Extra Prepaid Mastercard® is a premium prepaid card offering enhanced cash back rates on categories such as groceries, dining and transportation, along with a competitive interest rate on account balances. Additional benefits include no foreign transaction fees, complimentary financial coaching, and access to credit-building programs, making it a suitable option for individuals seeking to optimize rewards and financial management without a traditional credit card.
Eligibility
Poor (up to 299)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
-
Pros
Cons
-
-
Fees
$144
Annual Fee
$0
Foreign Transaction
-
Rewards cash back
1.5%
cash back on groceries, transportation, food, and drink
0.25%
cash back on all other purchases
50%
extra cash back from select merchants.
3%
interest on both your spending and savings account
$7
Grow your credit up to 22 points in 3 months with Credit Building for $7 / month instead of $10
-
Get a 30-day free trial for any KOHO plan. Get a $20 sign-up bonus on your first $20 transaction.
Only the users who successfully register a new KOHO account and make their first $20 purchase using their KOHO card within 30 days of registration are eligible for the offer and may claim the one-time $20 bonus in their KOHO account. This offer is non-transferable and may only be used once per person. Offer is not applicable in conjunction with other KOHO offers or promotions. KOHO may, at its sole discretion, suspend, terminate or change the terms and requirements of the offer.
Our Take
The KOHO Extra Prepaid Mastercard® is a premium prepaid card offering enhanced cash back rates on categories such as groceries, dining and transportation, along with a competitive interest rate on account balances. Additional benefits include no foreign transaction fees, complimentary financial coaching, and access to credit-building programs, making it a suitable option for individuals seeking to optimize rewards and financial management without a traditional credit card.
Eligibility
Poor (up to 299)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
Cons
Fees
$144
Annual Fee
$0
Foreign Transaction
Rewards cash back
1.5%
cash back on groceries, transportation, food, and drink
0.25%
cash back on all other purchases
50%
extra cash back from select merchants.
3%
interest on both your spending and savings account
$7
Grow your credit up to 22 points in 3 months with Credit Building for $7 / month instead of $10
Get a 30-day free trial for any KOHO plan. Get a $20 sign-up bonus on your first $20 transaction.
Only the users who successfully register a new KOHO account and make their first $20 purchase using their KOHO card within 30 days of registration are eligible for the offer and may claim the one-time $20 bonus in their KOHO account. This offer is non-transferable and may only be used once per person. Offer is not applicable in conjunction with other KOHO offers or promotions. KOHO may, at its sole discretion, suspend, terminate or change the terms and requirements of the offer.
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
up to 100k pts
Welcome Bonus
$931
First Year Value
$231
Annual Value
Welcome Bonus: Earn 70,000 Membership Rewards® points* after spending $10,000 on your Card within your first 3 months as a new Platinum® Cardmember.*
Get this card if you...
Annual Fee & Annual Interest Rates
$799
Annual Fee
21.99% - 28.99%
Purchase
-
Our Take
The Platinum Card® ReviewThe American Express Platinum Card® is a premium travel rewards credit card offering elevated Membership Rewards® points on eligible purchases, with a substantial welcome bonus for new cardholders. Cardholders enjoy exclusive benefits such as access to over 1,300 airport lounges worldwide through the American Express Global Lounge Collection™, comprehensive travel insurance, and personalized concierge services.
Eligibility
Excellent (740+)
Recommended Credit Score
-
Pros
Cons
-
-
Annual Interest Rates
21.99% - 28.99%
Purchase
30.00%
Penalty
Fees
$799
Annual Fee
$2.5
Foreign Transaction
$45
Return Penalty
-
Rewards Membership Rewards
2x
points for every $1 in Card purchases on eligible dining and food delivery in Canada
2x
points for every $1 in Card purchases on eligible travel
1x
point for every $1 in all other Card purchases
1
additional point on Amex Travel Online for eligible hotel or car rental bookings
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$85,000
Rental car insurance amount
-
Earn 70,000 Membership Rewards® points after spending $10,000 on your Card within your first 3 months as a new Platinum® Cardmember. That’s $700 towards your next flight.
Plus, earn 30,000 points* when you make a purchase between 14 and 17 months of Cardmembership.* That’s $300 towards dinner out with friends.
*Current or former Cardmembers with this Card are not eligible for these offers. Other terms apply.
Our Take
The American Express Platinum Card® is a premium travel rewards credit card offering elevated Membership Rewards® points on eligible purchases, with a substantial welcome bonus for new cardholders. Cardholders enjoy exclusive benefits such as access to over 1,300 airport lounges worldwide through the American Express Global Lounge Collection™, comprehensive travel insurance, and personalized concierge services.
Eligibility
Excellent (740+)
Recommended Credit Score
Pros
Cons
Annual Interest Rates
21.99% - 28.99%
Purchase
30.00%
Penalty
Fees
$799
Annual Fee
$2.5
Foreign Transaction
$45
Return Penalty
Rewards Membership Rewards
2x
points for every $1 in Card purchases on eligible dining and food delivery in Canada
2x
points for every $1 in Card purchases on eligible travel
1x
point for every $1 in all other Card purchases
1
additional point on Amex Travel Online for eligible hotel or car rental bookings
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn 70,000 Membership Rewards® points after spending $10,000 on your Card within your first 3 months as a new Platinum® Cardmember. That’s $700 towards your next flight.
Plus, earn 30,000 points* when you make a purchase between 14 and 17 months of Cardmembership.* That’s $300 towards dinner out with friends.
*Current or former Cardmembers with this Card are not eligible for these offers. Other terms apply.
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. Also you can enjoy the .
Additional perks: Curated dining experiences; enjoy complimentary benefits that offer an average value of $600 USD at over 1,500 extraordinary properties worldwide when you book Fine Hotels + Resorts; Toronto Pearson airport benefits; Platinum Concierge service; comprehensive travel insurance; free access to airport lounges;
Comparing the best credit cards for dining out in Canada
Credit card | Welcome bonus | Earn rate | Annual fee |
---|---|---|---|
American Express Cobalt® Card | Earn up to 15,000 Membership Rewards® points* by earning 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 on your Card in your first year as a new Cardmember. This could add up to 15,000 points in a year.* | 5X points for every $1 spent on eligible eats and drinks in Canada, including groceries and food delivery | $155.88 ($12.99/month) |
Scotiabank Gold American Express® Card | Earn up to $780* in value in the first 12 months, including up to 40,000 bonus Scene+ points. | 5x Scene+ points for every $1 you spend on dining, food delivery, food subscriptions, other eligible grocery stores, and eligible entertainment purposes | $120 |
BMO eclipse Visa Infinite* | 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!* | 5x the points for every $1 spent on groceries, gas, dining in and out and transit* | $120 |
Tangerine Money Back | New cardholders get a bonus 10% cash back for the first 2 months – up to $100. Offer ends Jan. 31, 2025 | 2% restaurants (if selected as a special money-back category) | $0 |
KOHO Extra | N/A | 1.5% cash back on groceries, eating & drinking, and transportation | 144 $12 per month when you subscribe annually |
The Platinum Card® | Earn up to 100,000 Membership Rewards® points* – that’s up to $1,000 in value. | Earn 2X points on eligible dining and food delivery purchases in Canada | $799 |
Conditions Apply. Visit here for the Scotiabank Gold American Express® 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.
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.
FAQs: Best Canadian credit cards for dining out
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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