// Cc · DINING
Credit cards for dining and restaurants
We compare 45 credit cards for dining and restaurants from 12 Canadian issuers. Annual fees range from $0 to $799. Sorted highest bonus rate first.
Updated October 2026
Credit cards for dining and restaurants compared
Dining cards pay extra on restaurants, bars, cafés and often food delivery. They suit people who eat out or order in regularly, and many pair the dining bonus with groceries or entertainment.
6x on dining
- 8 points per dollar on travel booked through Expedia For TD
- 6 points per dollar on dining and groceries
- Welcome offer of up to 146,000 TD Rewards points
5x on dining
- 5 points per dollar on dining
- $120 annual fee waived in the first year
- Simple two-tier earn structure
5x on dining
- 5 points per dollar in five everyday categories
- Annual birthday bonus of 10% of points earned, up to 15,000
- High $50,000 annual cap in each 5x category
5x on dining
- Up to 6x Scene+ points at Sobeys, Safeway, FreshCo and Foodland
- No foreign transaction fee
- 5x on dining, food delivery and entertainment
5x on dining
- 5 points per dollar on groceries and dining
- 2 points per dollar on gas, EV charging, bills and travel
- Airport lounge access
5x on dining
- 5x points on groceries, restaurants and food delivery
- Points transfer to airline and hotel programs, including Aeroplan and Marriott Bonvoy
- Monthly billing spreads the cost of the fee
5x on dining
- 5 points per dollar on travel, dining, groceries, gas and drugstores
- Five broad bonus categories cover a big share of household spending
- Airport lounge access
4.5x on dining
- 4.5x on groceries, dining and public transit
- 6x on travel booked through Expedia For TD
- No minimum income requirement
4% on dining
- 4% cash back at restaurants, bars and coffee shops
- 1.5% on gas, EV charging, groceries and recurring bills
- Purchase security and extended warranty coverage
4% on dining
- 4% back on restaurants, entertainment and alternative transportation
- 11.9% purchase rate, unusually low for a premium card
- Up to 18 lounge visits a year across two programs
3% on dining
- 3% back at restaurants and Costco gas stations
- No annual fee and no limit on total cash back
- Mobile device insurance included
3x on dining
- 3x points on groceries, dining and public transit
- 4x on travel booked through Expedia For TD
- No annual fee
3x on dining
- 3x Avion points on groceries, gas, dining, transit and streaming
- Just $4 a month, rebated for eligible students and young adults
- Up to 14,000 Avion points awarded on approval
3% on dining
- 4% cash back on the first $10,000 of groceries a year
- 3% on restaurants, entertainment and alternative transportation
- Mobile device insurance up to $1,500
3% on dining
- 3% in BONUSDOLLARS on groceries and restaurants, up to annual limits
- Travel insurance for trips of up to 60 consecutive days
- 8 free lounge passes a year at Montreal-Trudeau airport
3x on dining
- 5 points per dollar on travel purchases
- 3 points per dollar on dining, entertainment and recurring bills
- Airport lounge passes through Mastercard Travel Pass
Marriott Bonvoy Business American Express Card
See detailsfrom American Express$150 annual feeRates & fees3x on dining
- 5 points per dollar on Marriott purchases
- 3 points per dollar on gas, dining and travel
- 2 points per dollar on all other business spending
3x on dining
- Unlimited airport lounge access, including Centurion and Priority Pass lounges
- $200 annual travel credit offsets part of the fee
- Points transfer 1:1 to airline and hotel partners
2.5x on dining
- No annual fee
- 5 points per $2 on groceries, dining, takeout and recurring bills
- Up to 5,000 bonus points a year for paying on time and redeeming
2% on dining
- 2% cash back on restaurants, entertainment and transit, with no annual fee
- Travel medical coverage for trips of up to 3 days
- Mobile device insurance up to $1,000
2x on dining
- No annual fee, including up to nine additional cards
- 2x points on groceries, restaurants, digital media and utilities
- Yearly birthday bonus of 10% of points earned, up to 10,000
2x on dining
- 3 points per dollar at Sobeys-family grocery stores
- 2 points per dollar on dining, gas, transit and streaming
- No annual fee and a low $12,000 income requirement
2x on dining
- No annual fee
- 2x Scene+ points at Sobeys-group grocers
- 2x on entertainment and dining
2% on dining
- 3% cash back on groceries, gas and EV charging
- 2% on transportation, dining and recurring payments
- Low $15,000 household income requirement
2% on dining
- Travel medical for trips of up to 60 days, depending on age
- 2% in BONUSDOLLARS on dining, entertainment, travel and bills
- Mobile device insurance up to $1,000
2% on dining
- 4% cash back on groceries, gas and EV charging
- 2% on dining, transportation and recurring payments
- First-year annual fee rebated under the current offer
2% on dining
- 4% cash back on groceries and recurring bill payments
- 2% on gas, EV charging, transit, rideshare and food delivery
- Redeem cash back any time once you have $25
2x on dining
- Earns Flying Blue miles, with 5 miles per euro on Air France and KLM flights
- 30 Flying Blue XP added every year on renewal, toward elite status
- $132 annual fee waived in the first year under the current offer
2x on dining
- No foreign transaction fee on purchases in other currencies
- 3x Scene+ points at Sobeys, Safeway, IGA, Foodland and more
- 2x on other groceries, dining, entertainment and daily transit
2x on dining
- 3 points per dollar on British Airways purchases
- 2 points per dollar on dining
- Issued on the Visa network, which is widely accepted at home and abroad
2x on dining
- 3x points on Porter purchases
- 2x points on travel, groceries and dining
- Annual fee waived in the first year
2x on dining
- 2x points on groceries, gas, travel and dining
- $100 annual travel credit offsets part of the fee
- Points transfer to airline and hotel partners
2x on dining
- 2x points on groceries, gas, dining and transportation; 1.25x elsewhere
- $200 annual travel credit
- Six lounge visits a year and two NEXUS application fee rebates
2x on dining
- 3 Aeroplan points per dollar on Air Canada and Aeroplan purchases
- Maple Leaf Lounge access when you fly Air Canada
- Free first checked bag plus priority check-in, boarding and security
Scotiabank Passport Visa Infinite Privilege Card
See detailsfrom Scotiabank$599 annual feeRates & fees2x on dining
- No foreign transaction fees
- 6x Scene+ points on bookings through the Scene+ travel portal
- Airport lounge access
1.5x on dining
- Low $39 annual fee
- Annual round-trip companion voucher from $199
- Voucher renews with just $2,500 of spending a year
1.5x on dining
- 2 points per dollar on travel and 1.5 on dining
- Earns Aeroplan points directly on everyday spending
- Free checked bag benefit for frequent flyers
1.5x on dining
- 1.5 points per dollar on travel and dining
- $180 annual fee rebated in the first year
- Includes airport lounge access and a free checked bag
1.5x on dining
- 2 points per dollar on Air Canada and 1.5 on gas, dining and groceries
- 1.25-point base rate on all other spending
- Lounge access, a free checked bag and a companion pass
1.5x on dining
- Free first and second checked bags on Air Canada
- Air Canada Maple Leaf Lounge access with passes
- 1.25 points per dollar even outside the bonus categories
1% on dining
- 2% cash back on groceries with no annual fee
- No cap on total cash back; redeem from $10 anytime
- Up to 10 cents a litre off gas with Journie Rewards
1% on dining
- No annual fee and no minimum income requirement
- 2% cash back on groceries
- Welcome offer of up to $125 cash back
1% on dining
- 5% cash back on up to $2,000 of purchases in the first 3 months
- 0.99% introductory balance transfer rate for 9 months
- No annual fee
1x on dining
- Annual voucher for 35% off the base fare of one Porter booking
- Automatic VIPorter Passport status with early boarding
- $89 annual fee waived in the first year
United MileagePlus Neo World Elite Mastercard
See detailsfrom Neo Financial$89 annual feeRates & fees1x on dining
- Free first checked bag on United-operated flights
- Group 2 priority boarding on United-operated flights
- At least 10% off United award flights
Questions
How many credit cards for dining and restaurants does CreditLab compare?
We compare 45 credit cards in this category from 12 issuers, with fees from $0 to $799 a year. Each one links to a full breakdown of its fees, rates and features.
Which card has the highest dining rate?
Of the cards we track, the TD First Class Travel Visa Infinite has the highest rate here: 6x on dining. Check whether the rate is capped and how the rewards are redeemed before choosing.
Are there dining options with no annual fee?
Yes. 11 of them have no annual fee, including the Simplii Financial Cash Back Visa Card, CIBC Costco Mastercard, TD Rewards Visa Card.
More credit cards by category
Fees and rates come from each issuer’s published terms. Always confirm with the issuer before applying. See our methodology.