Best Credit Cards for Dining and Restaurants in Canada 2026
Love eating out? These Canadian credit cards earn the most points and cash back at restaurants — from fast food to fine dining.
Dining is one of the highest-earning categories on Canadian credit cards. The best cards offer 5–6x points or 3%+ cash back at restaurants, food delivery apps, and coffee shops. If you spend $500/month eating out, the right card can earn $150–$250 more per year than a flat-rate card.
Top Dining Credit Cards in Canada
The Scotiabank Gold American Express leads for pure dining rewards at 6x Scene+ points at restaurants (including DoorDash, Skip the Dishes, and Uber Eats). Scene+ points are worth ~1¢ each, making this effectively 6% back on dining. At $120/year, it's excellent value for regular diners. The Amex Cobalt earns 5x Membership Rewards points at restaurants and food delivery. MR points are worth ~1.5–2.0¢ for travel, so this can be 7–10% back in effective value for points maximizers.
Food delivery apps count
Most Canadian cards that earn bonus points at "restaurants" also include DoorDash, Skip the Dishes, and Uber Eats. Check your card's terms — accelerated earning on delivery apps can significantly boost your rewards.
Best No-Fee Dining Card
For no-fee options, the Tangerine Money-Back Credit Card lets you choose restaurants as a 2% cash back category — solid for a free card. The Rogers Red World Elite Mastercard earns 2% cash back everywhere including restaurants, with no annual fee for Rogers/Shaw/Fido customers.
Cards Mentioned in This Article
American Express Cobalt
American Express · Amex
Earn 1,250 Amex MR/month for 12 months (15,000 total)
Scotiabank Gold American Express Card
Scotiabank · Visa
Earn 25,000 Scene+
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