Best grocery credit cards in Canada
11M
Readers
150+
Reviews
1,000+
Metrics
Partners on this page may provide us earnings.
11M
Readers
150+
Reviews
1,000+
Metrics
Partners on this page may provide us earnings.
A grocery credit card is like having a coupon-clipping fairy godmother in your wallet, magically transforming your everyday food hauls into a feast of rewards. Here's our top 3 best grocery credit cards and some great great store-specific picks.
Blowing the budget on groceries? You’re not alone. A Money.ca study1 confirms that food prices are continuing to rise and a majority of Canadians believe that rising food prices are outpacing their income. In 2025, a family of four in Canada is expected to spend around $16,833.67 on food,.
The fastest change, the one least disruptive to your current lifestyle, you can make is to switch to a credit card that rewards you for your lengthy grocery bills. To see all our best cards, check out our comprehensive best credit cards in Canada list or try out our credit card comparison tool.
up to 10% cash back†
Welcome Bonus
$1,025
First Year Value
$570
Annual Value
Welcome Bonus: Get up to $335 in additional cash back including 10% cash back in your first 3 months.† Plus, the $120 annual fee is waived in the first year.† Expires Jan 31, 2026
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
The BMO CashBack® World Elite®* Mastercard®* is a premium credit card offering elevated cash back rates on categories such as groceries, transit, gas, and recurring bill payments. Cardholders benefit from complimentary roadside assistance, comprehensive insurance coverage, and flexible cash back redemption options, so you can maximize your rewards on everyday spending.
Eligibility
Excellent (740+)
Recommended Credit Score
$80,000
Required Annual Personal Income
$150,000
Required Annual Household Income
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Fees
$120
Annual Fee
2.50%
Foreign Transaction
Rewards cash back
5%
Groceries: 5% cash back up to $500 spent per month ($25 in cash back)*
4%
Transit: 4% cash back up to $300 spent per month ($12 in cash back)*
3%
Gas: 3% cash back up to $300 spent per month ($9 in cash back)*
2%
Recurring Bills: 2% cash back up to $500 spent per month ($10 in cash back)*
1%
Everything Else: 1% cash back, unlimited*
Insurance Benefits
$2,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Get up to $335 in additional cash back including 10% cash back in your first 3 months.† Plus, the $120 annual fee is waived in the first year.†
†Terms and Conditions apply,
Our Take
The BMO CashBack® World Elite®* Mastercard®* is a premium credit card offering elevated cash back rates on categories such as groceries, transit, gas, and recurring bill payments. Cardholders benefit from complimentary roadside assistance, comprehensive insurance coverage, and flexible cash back redemption options, so you can maximize your rewards on everyday spending.
Eligibility
Excellent (740+)
Recommended Credit Score
$80,000
Required Annual Personal Income
$150,000
Required Annual Household Income
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Fees
$120
Annual Fee
2.50%
Foreign Transaction
Rewards cash back
5%
Groceries: 5% cash back up to $500 spent per month ($25 in cash back)*
4%
Transit: 4% cash back up to $300 spent per month ($12 in cash back)*
3%
Gas: 3% cash back up to $300 spent per month ($9 in cash back)*
2%
Recurring Bills: 2% cash back up to $500 spent per month ($10 in cash back)*
1%
Everything Else: 1% cash back, unlimited*
Insurance Benefits
$2,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Get up to $335 in additional cash back including 10% cash back in your first 3 months.† Plus, the $120 annual fee is waived in the first year.†
†Terms and Conditions apply,
Our top pick for grocery purchases retains its crown from last year, and with good reason:
Disclosures:
bonus 10% cash back
Welcome Bonus
$742
First Year Value
$492
Annual Value
Welcome Bonus: Earn a bonus 10% cash back on purchases in your first 3 months (up to $2,000 in purchases).
Get this card if you...
Annual Fee & Annual Interest Rates
$119.88
Annual Fee
21.99%
Purchase
21.99%
Cash Advance
Our Take
The SimplyCash® Preferred Card from American Express is a cash back credit card offering elevated earn rates on eligible gas and grocery purchases in Canada, with a standard rate on all other purchases. Cardholders benefit from a welcome bonus, as well as additional perks such as rental car insurance and travel accident coverage; however, the card carries a monthly fee, and cash back is redeemed annually each September.
Eligibility
Excellent (740+)
Recommended Credit Score
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
29.99%
Penalty
Fees
$119.88
Annual Fee
2.50%
Foreign Transaction
$29
Over The Limit Penalty
Rewards cash back
4%
cash back on eligible gas station purchases in Canada
4%
cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually)
2%
cash back on all other purchases
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$100,000
Travel accident insurance amount
$500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn a bonus 10% cash back on purchases in your first 3 months (up to $2,000 in purchases). That’s on top of your everyday cash back earn rates.
Plus, earn a $50 statement credit* when you make a purchase in month 13.*
This could add up to $250 in bonus value in your first 13 months.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
Our Take
The SimplyCash® Preferred Card from American Express is a cash back credit card offering elevated earn rates on eligible gas and grocery purchases in Canada, with a standard rate on all other purchases. Cardholders benefit from a welcome bonus, as well as additional perks such as rental car insurance and travel accident coverage; however, the card carries a monthly fee, and cash back is redeemed annually each September.
Eligibility
Excellent (740+)
Recommended Credit Score
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
29.99%
Penalty
Fees
$119.88
Annual Fee
2.50%
Foreign Transaction
$29
Over The Limit Penalty
Rewards cash back
4%
cash back on eligible gas station purchases in Canada
4%
cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually)
2%
cash back on all other purchases
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$100,000
Travel accident insurance amount
$500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn a bonus 10% cash back on purchases in your first 3 months (up to $2,000 in purchases). That’s on top of your everyday cash back earn rates.
Plus, earn a $50 statement credit* when you make a purchase in month 13.*
This could add up to $250 in bonus value in your first 13 months.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
A strong contender with a unique fee structure that makes it appealing for many Canadians:
Disclosures:
20,000 PC points†
Welcome Bonus
$302
First Year Value
$282
Annual Value
Welcome Bonus: Earn 20,000 bonus PC Optimum™ points†.
Get this card if you...
Annual Fee & Annual Interest Rates
$0
Annual Fee
21.99%
Purchase
22.97%
Cash Advance
22.97%
Balance Transfer
Our Take
The PC® Mastercard® is a no-annual-fee credit card that allows cardholders to earn PC Optimum points on everyday purchases, with accelerated rates at Loblaw-affiliated stores, Shoppers Drug Mart, Esso, and Mobil gas stations. These points can be redeemed for groceries and merchandise at over 2,500 participating locations across Canada.
Eligibility
Good (620 - 670)
Recommended Credit Score
$15,000
Required Annual Personal Income
Annual Interest Rates
21.99%
Purchase
22.97%
Cash Advance
22.97%
Balance Transfer
Fees
$0
Annual Fee
Rewards PC points
10 points
Earn 10 points per $1 spent everywhere
2 cents
Earn 2c per litre in PC Optimum points at Esso and Mobil
30 points
Earn 30 points per $1 when purchasing travel through President’s Choice
25 points
Earn 25 points per $1 at Shoppers Drug Mart and Pharmaprix
Earn 20,000 bonus PC Optimum™ points† when you apply for the no annual fee PC® Mastercard® and make your first purchase with your new card.
Our Take
The PC® Mastercard® is a no-annual-fee credit card that allows cardholders to earn PC Optimum points on everyday purchases, with accelerated rates at Loblaw-affiliated stores, Shoppers Drug Mart, Esso, and Mobil gas stations. These points can be redeemed for groceries and merchandise at over 2,500 participating locations across Canada.
Eligibility
Good (620 - 670)
Recommended Credit Score
$15,000
Required Annual Personal Income
Annual Interest Rates
21.99%
Purchase
22.97%
Cash Advance
22.97%
Balance Transfer
Fees
$0
Annual Fee
Rewards PC points
10 points
Earn 10 points per $1 spent everywhere
2 cents
Earn 2c per litre in PC Optimum points at Esso and Mobil
30 points
Earn 30 points per $1 when purchasing travel through President’s Choice
25 points
Earn 25 points per $1 at Shoppers Drug Mart and Pharmaprix
Earn 20,000 bonus PC Optimum™ points† when you apply for the no annual fee PC® Mastercard® and make your first purchase with your new card.
A no-fee powerhouse that's especially valuable for Loblaws shoppers:
Disclosures:
up to 15,000 points
Welcome Bonus
$630
First Year Value
$480
Annual Value
Welcome Bonus: Earn up to 15,000 Welcome Bonus Membership Rewards® points* – that’s up to $150 in value.
Get this card if you...
Annual Fee & Annual Interest Rates
$155.88
Annual Fee
21.99%
Purchase
21.99%
Cash Advance
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
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
25.99% - 29.99%
Penalty
Fees
$155.88
Annual Fee
2.50%
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
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
25.99% - 29.99%
Penalty
Fees
$155.88
Annual Fee
2.50%
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 ultimate credit card for food lovers and grocery shoppers seeking premium rewards:
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.
up to 50,000 points
Welcome Bonus
$1,782
First Year Value
$732
Annual Value
Welcome Bonus: Earn up to $1,050* in value in the first 12 months, including up to 50,000 bonus Scene+ points. Expires Oct 31, 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
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
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$120
Annual Fee
0.00%
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 $1,050* in value in the first 12 months, including up to 50,000 bonus Scene+ points. Here's how:
$500 in travel rewards (50,000 bonus Scene+ points) for new Scotiabank Gold American Express Card clients who spend $2,000 within the first 3 months (to earn 30,000 points) and who spend $7,500 within the first 12 months (to earn an additional 20,000 points);
$61 in foreign transaction fee savings based on average first year annual foreign spend per account over the last 2 years (save the 2.5% foreign transaction fee markup typically charged by card issuers);
$377 in first year point earn potential (37,700 Scene+ points) on everyday purchases based on average annual first year spend per account over the last 2 years with an average spend of 25% in 5X accelerator, 5% in 3X accelerator categories, and 70% in 1x categories.
$120 in savings with first year free (annual fee waived for the primary card on the account for the first year only)
Potential First Year Value = up to $1,050
To qualify for these offers make sure to open a new Scotiabank Gold American Express credit card account (“Account”) between July 2, 2025 and October 31, 2025.
See terms and conditions for full details.
Rates, fees and other information are effective as of July 2, 2025. Subject to change.
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
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$120
Annual Fee
0.00%
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 $1,050* in value in the first 12 months, including up to 50,000 bonus Scene+ points. Here's how:
$500 in travel rewards (50,000 bonus Scene+ points) for new Scotiabank Gold American Express Card clients who spend $2,000 within the first 3 months (to earn 30,000 points) and who spend $7,500 within the first 12 months (to earn an additional 20,000 points);
$61 in foreign transaction fee savings based on average first year annual foreign spend per account over the last 2 years (save the 2.5% foreign transaction fee markup typically charged by card issuers);
$377 in first year point earn potential (37,700 Scene+ points) on everyday purchases based on average annual first year spend per account over the last 2 years with an average spend of 25% in 5X accelerator, 5% in 3X accelerator categories, and 70% in 1x categories.
$120 in savings with first year free (annual fee waived for the primary card on the account for the first year only)
Potential First Year Value = up to $1,050
To qualify for these offers make sure to open a new Scotiabank Gold American Express credit card account (“Account”) between July 2, 2025 and October 31, 2025.
See terms and conditions for full details.
Rates, fees and other information are effective as of July 2, 2025. Subject to change.
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.
20,000 PC points†
Welcome Bonus
$458
First Year Value
$438
Annual Value
Welcome Bonus: Earn 20,000 PC Optimum™ points†.
Get this card if you...
Annual Fee & Annual Interest Rates
$0
Annual Fee
21.99%
Purchase
22.97%
Cash Advance
5%
Balance Transfer
Our Take
The PC Financial® World Elite Mastercard® is a no-annual-fee credit card designed for frequent shoppers at Loblaw-affiliated stores, offering elevated PC Optimum points on purchases at these retailers, including Shoppers Drug Mart and Joe Fresh. Cardholders benefit from perks such as 24/7 concierge service and travel emergency medical insurance; however, the card has a high income requirement, and its rewards are primarily limited to Loblaw banner stores.
Eligibility
Fair (300 - 619)
Recommended Credit Score
$80,000
Required Annual Personal Income
Annual Interest Rates
21.99%
Purchase
22.97%
Cash Advance
5%
Balance Transfer
Fees
$0
Annual Fee
Rewards PC points
45 points
* 45 points per $1 spent at Shoppers Drug Mart/Pharmaprix
30 points
Earn 30 points per litre for gas purchased at Esso™ or Mobil™ stations
30 points
Earn 30 points per $1 spent on PC Travel services
30 points
Earn 30 points per $1 spent at Loblaw Banner Grocery Stores (includes Loblaws, No Frills, Valu-Mart, Independent Grocers, Zehrs, Real Canadian Superstore, Fortinos, etc.)
10 points
Earn 10 points per $1 spent everywhere else
Insurance Benefits
$65,000
Rental car insurance amount
Earn 20,000 PC Optimum™ points† when you apply for the no annual fee PC® Mastercard® and make your first purchase with your new card.
Our Take
The PC Financial® World Elite Mastercard® is a no-annual-fee credit card designed for frequent shoppers at Loblaw-affiliated stores, offering elevated PC Optimum points on purchases at these retailers, including Shoppers Drug Mart and Joe Fresh. Cardholders benefit from perks such as 24/7 concierge service and travel emergency medical insurance; however, the card has a high income requirement, and its rewards are primarily limited to Loblaw banner stores.
Eligibility
Fair (300 - 619)
Recommended Credit Score
$80,000
Required Annual Personal Income
Annual Interest Rates
21.99%
Purchase
22.97%
Cash Advance
5%
Balance Transfer
Fees
$0
Annual Fee
Rewards PC points
45 points
* 45 points per $1 spent at Shoppers Drug Mart/Pharmaprix
30 points
Earn 30 points per litre for gas purchased at Esso™ or Mobil™ stations
30 points
Earn 30 points per $1 spent on PC Travel services
30 points
Earn 30 points per $1 spent at Loblaw Banner Grocery Stores (includes Loblaws, No Frills, Valu-Mart, Independent Grocers, Zehrs, Real Canadian Superstore, Fortinos, etc.)
10 points
Earn 10 points per $1 spent everywhere else
Insurance Benefits
$65,000
Rental car insurance amount
Earn 20,000 PC Optimum™ points† when you apply for the no annual fee PC® Mastercard® and make your first purchase with your new card.
While the PC Mastercard is one of our top picks for best grocery card, the higher income PC® World Elite Mastercard® is the most lucrative earner at the Loblaws family of brands.
Disclosures:
3.8
More Rewards RBC Visa Infinite
3.8
up to 50,000 pts
Welcome Bonus
$241
First Year Value
$166
Annual Value
Welcome Bonus: Enjoy up to 50,000 bonus More Rewards points. That’s a value of $75 in groceries! Expires Sep 24, 2025
Get this card if you...
Annual Fee & Annual Interest Rates
$0
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
Our Take
The More Rewards RBC Visa Infinite card is a new co-branded credit card launched by RBC in partnership with Pattison Food Group (PFG). Geared toward customers in Western Canada, the no-annual-fee credit card enables cardholders to earn More Rewards points at more than 700 partner stores, including Save-On-Foods and Buy-Low Foods.
Eligibility
Good (620 - 670)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
25.99%
Penalty
Fees
$0
Annual Fee
2.50%
Foreign Transaction
$5
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
Rewards
8
points for every $1 spent at over 700 partner locations.
8
points for every $1 spent on gas, EV charging and dining.
4
points for every $1 spent on all other purchases.
Insurance Benefits
$1,000
Mobile device insurance amount
Enjoy up to 50,000 bonus More Rewards points. That’s a value of $75 in groceries!
Earn 30,000 welcome More Rewards points upon your first purchase. Plus, 20,000 bonus More Rewards points when you spend $500 in qualifying purchases in the first 3 months.
Our Take
The More Rewards RBC Visa Infinite card is a new co-branded credit card launched by RBC in partnership with Pattison Food Group (PFG). Geared toward customers in Western Canada, the no-annual-fee credit card enables cardholders to earn More Rewards points at more than 700 partner stores, including Save-On-Foods and Buy-Low Foods.
Eligibility
Good (620 - 670)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
25.99%
Penalty
Fees
$0
Annual Fee
2.50%
Foreign Transaction
$5
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
Rewards
8
points for every $1 spent at over 700 partner locations.
8
points for every $1 spent on gas, EV charging and dining.
4
points for every $1 spent on all other purchases.
Insurance Benefits
$1,000
Mobile device insurance amount
Enjoy up to 50,000 bonus More Rewards points. That’s a value of $75 in groceries!
Earn 30,000 welcome More Rewards points upon your first purchase. Plus, 20,000 bonus More Rewards points when you spend $500 in qualifying purchases in the first 3 months.
The ultimate credit card for Western Canadians who shop at Save-On-Foods and other Pattison Food Group grocery stores:
Disclosures:
$324
First Year Value
$0
Annual Value
Get this card if you...
Annual Fee & Annual Interest Rates
$0
Annual Fee
20.99% - 25.99%
Purchase
22.99% - 27.99%
Cash Advance
22.99% - 27.99%
Balance Transfer
Our Take
The Rogers™ World Elite® Mastercard® is a no-annual-fee credit card offering elevated cash back rates on purchases made in U.S. dollars, with a standard rate on all other eligible purchases. Cardholders benefit from comprehensive insurance coverage, including emergency medical and rental car collision/damage protection, as well as access to over 1,300 airport lounges worldwide through Mastercard Travel Pass provided by DragonPass; however, the card has a high income requirement.
Eligibility
Excellent (740+)
Recommended Credit Score
$80,000
Required Annual Personal Income
$150,000
Required Annual Household Income
Annual Interest Rates
20.99% - 25.99%
Purchase
22.99% - 27.99%
Cash Advance
22.99% - 27.99%
Balance Transfer
Fees
$0
Annual Fee
2.50%
Foreign Transaction
3.00%
Balance Transfer
Rewards cash back
3%
Earn 3% unlimited cash back on all eligible purchases made in U.S. dollars.
2%
Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido or Shaw
1.5%
Earn 1.5% unlimited cash back on eligible non-U.S. dollar purchases.
1.5x Cash Back
Get 1.5x more cash back every time you redeem for Rogers, Fido or Shaw purchases.
5
Get 5 Roam Like Home days at no cost every year for Rogers mobile plans (up to $80 value).
Insurance Benefits
$1,000,000
Emergency medical insurance amount
3
Emergency medical insurance over 65 days
$65,000
Rental car insurance amount
Our Take
The Rogers™ World Elite® Mastercard® is a no-annual-fee credit card offering elevated cash back rates on purchases made in U.S. dollars, with a standard rate on all other eligible purchases. Cardholders benefit from comprehensive insurance coverage, including emergency medical and rental car collision/damage protection, as well as access to over 1,300 airport lounges worldwide through Mastercard Travel Pass provided by DragonPass; however, the card has a high income requirement.
Eligibility
Excellent (740+)
Recommended Credit Score
$80,000
Required Annual Personal Income
$150,000
Required Annual Household Income
Annual Interest Rates
20.99% - 25.99%
Purchase
22.99% - 27.99%
Cash Advance
22.99% - 27.99%
Balance Transfer
Fees
$0
Annual Fee
2.50%
Foreign Transaction
3.00%
Balance Transfer
Rewards cash back
3%
Earn 3% unlimited cash back on all eligible purchases made in U.S. dollars.
2%
Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido or Shaw
1.5%
Earn 1.5% unlimited cash back on eligible non-U.S. dollar purchases.
1.5x Cash Back
Get 1.5x more cash back every time you redeem for Rogers, Fido or Shaw purchases.
5
Get 5 Roam Like Home days at no cost every year for Rogers mobile plans (up to $80 value).
Insurance Benefits
$1,000,000
Emergency medical insurance amount
3
Emergency medical insurance over 65 days
$65,000
Rental car insurance amount
We recommend the card to anyone who makes a substantial amount of purchases at Costco, and particularly to those who also travel with some frequency to the United States.
Disclosures:
$45 Reward Dollars†
Welcome Bonus
$315
First Year Value
$270
Annual Value
Welcome Bonus: Earn up to $45 Reward Dollars when you spend $50 using the provided shopping pass†, make one purchase at Walmart and one purchase elsewhere†, and by going paperless†.
Get this card if you...
Annual Fee & Annual Interest Rates
$0
Annual Fee
20.89% - 26.99%
Purchase
22.97% - 27.99%
Cash Advance
Our Take
The Walmart Rewards™ Mastercard® is a no-annual-fee credit card designed for frequent Walmart shoppers, whcih earns Walmart Reward Dollars on purchases made in-store or online at Walmart, and a lower rate back on all other purchases. Cardholders can redeem their Walmart Reward Dollars during checkout at Walmart stores or on Walmart.ca, with a minimum redemption. However, the card lacks extended insurance benefits, and rewards can only be redeemed at Walmart, which may limit its appeal compared to other cash back cards offering more flexible redemption options.
Eligibility
Good (620 - 670)
Recommended Credit Score
$12,000
Required Annual Personal Income
Annual Interest Rates
20.89% - 26.99%
Purchase
22.97% - 27.99%
Cash Advance
Fees
$0
Annual Fee
2.50%
Foreign Transaction
$29
Over The Limit Penalty
Rewards Walmart Rewards
2%
back in Walmart Rewards at any any gas & EV charging station and on transit, taxi, and ride-sharing†
1.25%
back in Walmart Rewards on all purchases made in-store or online at Walmart
1%
everywhere else
Earn up to $45 Reward Dollars! Here's how:
Get $20 Reward Dollars when you’re approved and spend $50+ using the temporary shopping pass provided.†
Earn $15 Reward Dollars after one purchase at Walmart and one anywhere else.†
Get $10 Reward Dollars by going paperless.†
Our Take
The Walmart Rewards™ Mastercard® is a no-annual-fee credit card designed for frequent Walmart shoppers, whcih earns Walmart Reward Dollars on purchases made in-store or online at Walmart, and a lower rate back on all other purchases. Cardholders can redeem their Walmart Reward Dollars during checkout at Walmart stores or on Walmart.ca, with a minimum redemption. However, the card lacks extended insurance benefits, and rewards can only be redeemed at Walmart, which may limit its appeal compared to other cash back cards offering more flexible redemption options.
Eligibility
Good (620 - 670)
Recommended Credit Score
$12,000
Required Annual Personal Income
Annual Interest Rates
20.89% - 26.99%
Purchase
22.97% - 27.99%
Cash Advance
Fees
$0
Annual Fee
2.50%
Foreign Transaction
$29
Over The Limit Penalty
Rewards Walmart Rewards
2%
back in Walmart Rewards at any any gas & EV charging station and on transit, taxi, and ride-sharing†
1.25%
back in Walmart Rewards on all purchases made in-store or online at Walmart
1%
everywhere else
Earn up to $45 Reward Dollars! Here's how:
Get $20 Reward Dollars when you’re approved and spend $50+ using the temporary shopping pass provided.†
Earn $15 Reward Dollars after one purchase at Walmart and one anywhere else.†
Get $10 Reward Dollars by going paperless.†
The perfect everyday credit card for Canadians who regularly shop for groceries at Walmart:
Disclosures:
In today's economic climate, where the average Canadian household spends over $13,000 annually on groceries, having the right credit card for your supermarket runs isn't just smart—it's essential. Food prices in Canada have outpaced general inflation over the past two years, with grocery costs rising nearly 11% in some categories since early 2023.
A well-chosen grocery credit card can effectively return 3-5% of your spending through cash back or points, potentially putting $400-650 back in your pocket each year. Unlike general rewards cards, grocery-specific credit cards are designed to maximize returns on these inevitable weekly expenses, often offering 2-3 times the rewards rate of standard cards.
Grocery credit cards can save you significant money on your weekly expenses. If your household spends the national average of $250+ weekly on groceries, even a modest 3% return translates to over $390 annually in rewards—easily offsetting most annual fees.
The key is selecting a card that aligns with where you actually shop rather than chasing the highest advertised percentage. We recommend analyzing your last three months of grocery receipts to identify your primary stores, then choosing a card that maximizes returns at those specific locations.
For most Canadians, the right grocery credit card isn't just a nice-to-have; it's a practical financial tool that delivers consistent value on unavoidable spending, making it one of the simplest ways to combat rising food costs without changing your shopping habits.
Tyler Wade has worked in personal finance for over 5 years writing for brands like Ratehub, Forbes, KOHO, and now Money.ca.
Cory Santos is a finance writer, editor and credit card expert with nearly a decade of experience in personal finance. Cory joined Wise Publishing from BestCards, with bylines in numerous print and digital publications across North America, including the Miami Herald, BlogTO, Debt.ca, AOL, MSN and Medium as well as financial podcasts like KOFE Talk. He's also the creator and author of the annual Money.ca Credit Card Awards.
Check out more great credit cards
The content provided on Money.ca is information to help users become financially literate. It is neither tax nor legal advice, is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Tax, investment and all other decisions should be made, as appropriate, only with guidance from a qualified professional. We make no representation or warranty of any kind, either express or implied, with respect to the data provided, the timeliness thereof, the results to be obtained by the use thereof or any other matter. Advertisers are not responsible for the content of this site, including any editorials or reviews that may appear on this site. For complete and current information on any advertiser product, please visit their website.
†Terms and Conditions apply.