Best Credit Cards for Groceries in Canada 2026
Groceries are most Canadians' biggest monthly expense. The right card earns 4x–6x points or 2%+ cash back on every grocery run. Here are the best.
The average Canadian household spends $1,000–$1,500 per month on groceries. Over a year, earning 5–6x points on that spending can generate $600–$900 in rewards value — often more than offsetting a premium card's annual fee. Choosing the right grocery card is one of the single highest-impact credit card decisions you can make.
Best for Sobeys / Safeway Shoppers
The Scotiabank Gold American Express earns 6x Scene+ points per dollar at Sobeys, Safeway, IGA, FreshCo, Farm Boy, and all Empire-banner stores. That's the highest grocery earn rate available on any Canadian card. Pair it with scanning your Scene+ member card at the same store for an additional points stack. Annual fee: $120 (first year free).
Best for All Grocery Stores
The Amex Cobalt earns 5x Membership Rewards points per dollar at all grocery stores in Canada — including Loblaws, Metro, Sobeys, Whole Foods, and No Frills. Unlike the Scotiabank Gold Amex, which only earns the high rate at Sobeys-banner stores, the Cobalt's 5x applies anywhere classified as a grocery store. At $155.88/year ($12.99/month), it's easy to justify for regular grocery shoppers.
Best No-Fee Grocery Card
The PC Financial World Elite Mastercard earns 45 PC Optimum points per dollar at Loblaw-banner stores (Loblaws, No Frills, Real Canadian Superstore, Shoppers Drug Mart, T&T Supermarket). With no annual fee, it's the best free grocery card in Canada for those who shop at Loblaw-owned stores. Points are redeemable at 10,000 per $10 across all Loblaw-banner stores.
Grocery Earn Rate Comparison
| Card | Rate at Grocery | Annual Fee | Works At |
|---|---|---|---|
| Scotiabank Gold Amex | 6x Scene+ | $120 | Sobeys-banner only |
| Amex Cobalt | 5x Amex MR | $155.88 | All grocery stores |
| BMO eclipse Visa Infinite | 5x BMO Rewards | $120 | All grocery stores |
| PC Financial World Elite | 45x PC Optimum | $0 | Loblaw-banner only |
| Tangerine Money-Back | 2% cash back | $0 | All grocery stores |
Cards Mentioned in This Article
Scotiabank Gold American Express Card
Scotiabank · Visa
Earn 20,000 Scene+
American Express Cobalt
American Express · Amex
Earn 1,250 Amex MR/month for 12 months (15,000 total)
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