// Cc · GROCERIES
Credit cards for groceries
We compare 57 credit cards for groceries from 16 Canadian issuers. Annual fees range from $0 to $599. Sorted highest bonus rate first.
Updated October 2026
Credit cards for groceries compared
Groceries are one of the biggest monthly expenses for most Canadian households, so a card with a bonus rate on groceries can add up quickly. Check whether the bonus applies at any grocery store or only at partner chains, and whether it’s capped.
30x on groceries
- 45 points per dollar at Shoppers Drug Mart and Pharmaprix
- 30 points per dollar at Loblaw banner stores and Joe Fresh
- No annual fee, with free additional cards
6x on groceries
- Up to 6x Scene+ points at Sobeys, Safeway, FreshCo and Foodland
- No foreign transaction fee
- 5x on dining, food delivery and entertainment
6x on groceries
- 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
5% on groceries
- 5% cash back on the first $500 of groceries each month
- 4% on transit and 3% on gas and EV charging
- Travel medical, trip cancellation and rental car insurance
5x on groceries
- 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 groceries
- 5 points per dollar on groceries and dining
- 2 points per dollar on gas, EV charging, bills and travel
- Airport lounge access
5x on groceries
- 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 groceries
- 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 groceries
- 4.5x on groceries, dining and public transit
- 6x on travel booked through Expedia For TD
- No minimum income requirement
4% on groceries
- 4% cash back on groceries and gas
- $99 annual fee waived in the first year
- 2% back on pharmacy purchases and utility bills
4% on groceries
- 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
SimplyCash Preferred Card from American Express
See detailsfrom American Express$119.88 annual feeRates & fees4% on groceries
- 2% cash back on every purchase outside the 4% categories
- 4% on gas and groceries
- Travel medical and mobile device insurance included
4% on groceries
- 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
4% on groceries
- 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
3% on groceries
- 3% cash back on groceries with no annual fee
- 1% back on recurring bills
- Recommended credit score of 600+ suits newer borrowers
3x on groceries
- 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
3x on groceries
- 3x points on groceries, dining and public transit
- 4x on travel booked through Expedia For TD
- No annual fee
3% on groceries
- No annual fee
- 4% back in CT Money at Canadian Tire family stores
- 3% on groceries, up to $12,000 a year
3x on groceries
- 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 groceries
- 3% cash back on groceries, gas and EV charging
- 2% on transportation, dining and recurring payments
- Low $15,000 household income requirement
3% on groceries
- 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
3% on groceries
- 3% cash back across five everyday categories
- Free Deluxe TD Auto Club membership with 24/7 roadside assistance
- Fee rebated every year with a TD All-Inclusive Banking Plan
3x on groceries
- 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
3% on groceries
- 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
2.5x on groceries
- 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 groceries
- 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
2% on groceries
- No annual fee and no minimum income requirement
- 2% cash back on groceries
- Welcome offer of up to $125 cash back
2x on groceries
- 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
2% on groceries
- No annual fee
- 2% cash back on groceries, gas and recurring bills, up to monthly limits
- Choice of three cash back plans at signup
2% on groceries
- No annual fee
- 2% cash back on the first $6,000 of groceries each year
- Redeem cash back any time once you have $25
2x on groceries
- No annual fee
- 2x Scene+ points at Sobeys-group grocers
- 2x on entertainment and dining
2% on groceries
- No annual fee
- 2% cash back on gas and groceries
- 1.25% on all other purchases, with no categories to activate
2% on groceries
- Choose your own 2% cash back categories
- Third 2% category when rewards go to a Tangerine Savings Account
- Cash back paid monthly with no minimum
2% on groceries
- 2% cash back on groceries, gas, drugstores and recurring bills
- 1% cash back on all other purchases
- Low $49 annual fee
2x on groceries
- 2 points per dollar on groceries, gas, travel, transportation and bills
- Points redeem as a statement credit against any purchase
- $5 million travel medical coverage, including for travellers 65+
2x on groceries
- 2 points per dollar on travel, gas, groceries and transit
- 1.5 points per dollar on everything else
- Free checked bag benefit
2x on groceries
- 2x points on groceries, gas, EV charging, wholesale and alcohol
- $150 annual fee waived in the first year
- Includes airport lounge access and a NEXUS rebate
2x on groceries
- 3x points on Porter purchases
- 2x points on travel, groceries and dining
- Annual fee waived in the first year
2x on groceries
- 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 groceries
- 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
1.5x on groceries
- No annual fee
- 1.5x on groceries, gas, transit, rideshare and streaming
- Welcome points awarded on approval
1.5% on groceries
- 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
1.5x on groceries
- Free first checked bag on Air Canada flights
- 1.5 points per dollar on groceries, gas and EV charging
- NEXUS fee rebate
1.5x on groceries
- 2 points per dollar on travel purchases
- 1.5 points per dollar on gas, groceries and drugstore purchases
- $139 annual fee rebated in the first year
1.5x on groceries
- Book any airline and any seat with no blackout dates
- Up to 35,000 Aventura points plus a first-year fee waiver
- 1.5 points per dollar on gas, EV charging, groceries and drugstores
1.5x on groceries
- Free first checked bag on Air Canada
- 1.5 points per dollar on groceries, gas and Air Canada purchases
- Travel medical coverage for trips of up to 21 days
1.5x on groceries
- 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 groceries
- 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
1x on groceries
- No annual fee, with free supplementary cards
- 5 points per dollar at 400+ Blue Rewards partners, including Blue Rewards Travel
- Welcome bonus needs just $1,500 of spending in 110 days
1x on groceries
- No annual fee to collect Aeroplan points
- 1 point per dollar on gas, groceries and Air Canada purchases
- Preferred pricing on Aeroplan flight rewards
1x on groceries
- No annual fee
- 1 point per dollar on gas, groceries and drug stores
- Points redeem for flights on any airline, hotels and more
1x on groceries
- No annual fee and no minimum income requirement
- Up to 12,500 Aventura points as a welcome bonus
- Free SPC+ membership with discounts at 450+ brands
1% on groceries
- 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
1% on groceries
- No annual fee, and no minimum income to qualify
- Redeem cash back toward your balance at any time
- At least 10% off Avis and Budget rentals in Canada and the US
1x on groceries
- 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
1x on groceries
- 1 Aeroplan point per dollar on gas, groceries, EV charging and Air Canada
- First-year annual fee rebate
- Lower annual fee than TD’s Aeroplan Visa Infinite
United MileagePlus Neo World Elite Mastercard
See detailsfrom Neo Financial$89 annual feeRates & fees1x on groceries
- 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 groceries does CreditLab compare?
We compare 57 credit cards in this category from 16 issuers, with fees from $0 to $599 a year. Each one links to a full breakdown of its fees, rates and features.
Which card has the highest groceries rate?
Of the cards we track, the PC World Elite Mastercard has the highest rate here: 30x on groceries. Check whether the rate is capped and how the rewards are redeemed before choosing.
Are there groceries options with no annual fee?
Yes. 22 of them have no annual fee, including the PC World Elite Mastercard, BMO CashBack Mastercard, Scotiabank American Express 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.