Best Grocery Credit Cards In Canada For January 2025

The American Express Cobalt ranks as the top grocery credit card in Canada in large part because of its impressive earnings. Canadians can earn 37,680 points on their annual grocery spending alone — an impressive $376.80 value. All in all, Canadians can earn a whopping $593.80 in net rewards yearly, and that’s factoring in the annual fee.

• In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets
• Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.
• Earn 3X the points on eligible streaming subscriptions in Canada
• Earn 2X the points on eligible ride shares, transit & gas in Canada
• Earn 1 additional point on eligible hotel and car rental bookings via American Express Travel Online
• Earn 1X point for every $1 in Card purchases everywhere else
• Enjoy access to hotel bookings, a room upgrade (when available), 12pm check-in and late check-out (when available), and up to $100 USD hotel credit to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
• Transfer points 1:1 to several frequent flyer and other loyalty programs
• Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
• Access Front Of The Line® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex ExperiencesTM
• 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

The Neo World Mastercard has one of the highest cash-back earn rates on groceries at 5% on the first $1,000 spent each month. In addition, there’s a potential to raise the rate to 7% as long as you can maintain a Neo Savings Account balance of at least $10,000 monthly. You can also get a 6% rate if you maintain a balance of $5,000. With a fantastic earn rate, at least to start with, Forbes Advisor Canada maintains you can get up to $403.25 in cash back just on groceries.

• Earn 3% cash back on gas, 4% on recurring payments, 5% on groceries and 1% on all other eligible purchases without banking with Neo.
• Earn 3.50% on gas with a $5,000 balance in a Neo Everyday Account and 4% with a $10,000 balance
• Earn 4.50% on recurring payments with a $5,000 balance in a Neo Everyday Account and 5% with a $10,000 balance
• Earn 6% on groceries with a $5,000 balance in a Neo Everyday Account and 7% with a $10,000 balance
• Income requirements of $80,000 in individual annual income and $150,000 in household annual income.
• Monthly spending caps of $1,000 on groceries and gas and $500 on recurring payments with no cap on all other spending.
• Comprehensive insurance and World Elite® travel benefits, including car rental collision/damage insurance and purchase protection
• Earn up to $2,020 annually and $1,200 on the partner network (based on a $70,000 spend)

This card ranks as a close second to the Amex Cobalt because of its impressive earn rate of 5 points per dollar on groceries. This can become $252 worth of BMO points on groceries alone with average spending. What’s more, it offers the same rate on gas, dining and transit, which adds up to $432.99 worth of points total over the year.

Learn more: Read our BMO eclipse Visa Infinite Review

• Earn 5 points per dollar spent on groceries, gas, transportation and dining (limit of $50,000 per year).
• Earn 1 point per dollar spent on everything else.
• Includes out of province/country emergency medical coverage up to $5,000,000 for 15 days and travel accident insurance.
• Includes car rental collision/loss insurance.
• Includes mobile device insurance.
• Comes with purchase security and extended warranty insurance.

We determined this is the best cash back card in Canada, so it’s no surprise it’s the top cash back card on this list, too. You’ll earn 4% back on your groceries, not to mention 4% back on your gas purchases, too. This means you could earn $301.44 on groceries each year.

Learn more: Read our CIBC Dividend Visa Infinite Review

• Welcome Offer: Get a first-year annual fee rebate and earn a 10% cash back welcome bonus of up to $250 (first 4 statements)!†
• After that, get 4% cash back on eligible gas, EV charging, and grocery purchases.†
• 2% cash back on eligible transportation, dining purchases and recurring payments†
• 1% cash back on all other purchases†
• Get cash back on demand – redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®†
• Save on gas with CIBC and Journie Rewards
  • Link and use your CIBC Dividend® Visa Infinite* Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
• This is a digital-exclusive offer.†
• To be eligible for this offer:
  • 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and
  • 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.†
  • This offer is reserved for you. Please do not forward it to anyone else.
  • CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months.†
• This offer is not available for residents of Quebec.
• †Terms and conditions apply. Select “Apply Now” to learn more

While the BMO CashBack Mastercard offers the highest cash back at general grocery stores, the Scotiabank Gold American Express Card technically offers more cash back at an impressive 6 points per dollar—but only if you shop at Metro, Sobeys, Foodland, IGA or a handful of other stores. Beyond that, this card still impresses in terms of earnings potential.

• Earn up to $780* in value in the first 12 months, including up to 40,000 bonus Scene+ points.
• Earn 6x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more
• Earn 5x Scene+ points for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
• Earn 5x Scene+ points for every $1 you spend in Canada eligible entertainment purposes.Includes movies, theatre and ticket agencies stores.
• Earn 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
• Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible select streaming services
• Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
• Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
• No Foreign Transaction Fee
• Comprehensive Travel Insurance coverage
• AMEX Offers®
• AMEX Front of the Line®
• American Express Invites®
• Complimentary Concierge Services
• Rates, fees and other information are effective as of January 3, 2025. Subject to change.

You can earn 5% cash back on grocery purchases, up to $500 each month–the highest rate in Canada that’s not specific to certain stores. Overall, this card nets $315.36 in annual grocery spending, factoring in the $500 cap. But since it also earns a high rate in big spending categories, like transit and gas, this card can earn $490.07 overall, factoring in the annual fee, too.

Learn more: Read our BMO CashBack World Elite Mastercard Review

• Welcome offer: Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first anniversary*
• Earn more cash back on the categories that mean the most:
  – 5% on groceries*
  – 4% on transit including ride sharing, taxis and public transportation*
  – 3% on gas and electric vehicle charging*
  – 2% on recurring bill payments like your monthly phone bill or favourite streaming service*
  – 1% unlimited cashback on all other purchases*
• Get the highest cash back earn rate on groceries in Canada.*
• Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
• Extended Warranty Plus*
• Purchase Protection Plus*
• Complimentary membership in Mastercard Airport Experiences provided by LoungeKey*
• Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges*
• Complimentary Roadside Assistance Program*
• BMO CashBack World Elite Travel and Medical Protection*
• Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
• BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information
• *Terms and conditions apply

This card lets you rack up Aeroplan points on your regular essential spending, including groceries, gas and travel. In fact, you can earn up to $226.08 worth of Aeroplan points in groceries in your first year and $527.32 overall, minus the annual fee. Plus, this card has an impressive welcome offer that’s worth up to $400 or more if you take advantage of the Buddy Pass.

Learn more: Read our CIBC Aeroplan Visa Infinite Card Review

• Welcome bonus of up to 40,000 Aeroplan points (10,000 points with first purchase, 10,000 after four months of spending $5,000 or more and 20,000 as an anniversary bonus)
• $139 annual fee (rebated the first year if you have a CIBC Smart Plus™ Account)
• 1.5 points for every dollar spent on eligible gas, electric vehicle charging, groceries and with Air Canada directly (with spending caps)
• 1 point for every dollar spent on other purchases
• Car rental discounts of up to 25% at participating Avis and Budget locations worldwide
• This offer is not available for residents of Quebec
• Terms and conditions apply

The CIBC Aventura® Visa Infinite* Card lets you earn Aventura points on not just groceries, but gas, pharmacy and travel spending, too. The grocery earnings are impressive, and Forbes Advisor estimates you can earn $226.08 worth of Aventura points in your first year on groceries alone. What’s more, you can earn $527.32 worth of points in your first year—and that’s after accounting for the annual fee.

• Welcome Offer: Join and get up to $1,450 in value including a first year annual fee rebate!†
• Here’s how you can get up to $1,450 in value:
  • Get up to 45,000 Aventura Points (up to $900 in travel value†):
  • 15,000 Aventura Points when you make your first purchase†
  • 30,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods†
  • Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each;): up to $189 value.†
• Elevate your airport experience with 4 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: up to $277 in value.†
• Plus, get a NEXUS◊ Application Fee rebate†: A CAD $100 value†
  • Plus, enjoy extra valuable travel benefits.
• Travel when it’s right for you – your Aventura Points don’t expire†
• Redeem your Aventura Points for more than travel with our Shop With Points/Pay with Points features†
• Travel local – Aventura Points can be redeemed for more than just flights – use your points for hotels and car rentals for a weekend getaway
• 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre†
• 1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores†
• 1 point for every $1 spent on all other purchases†
• Save on gas with CIBC and Journie Rewards
  • Link and use your CIBC Aventura Visa Infinite Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
  • This is a digital-exclusive offer.†
    To be eligible for this offer:  1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.† This offer is reserved for you. Please do not forward it to anyone else.
• CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months.†
• This offer is not available for residents of Quebec.
• †Terms and conditions apply. Select “Apply Now” to learn more

This card is the best cash back grocery card for travel insurance. Not only can you earn up to $301.44 in cash back on groceries alone in the first year, but we estimate you’ll earn $491.14 based on average spending, with the annual fee subtracted. Plus, if you book travel on this card, you’ll get extensive insurance coverage on everything from emergency medical to baggage and car rentals.

Learn more: Read our Scotia Momentum Visa Infinite Review

• Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases)
• No annual fee in the first year, including on additional cards.
• 4% for every $1 you spend on grocery store purchases, recurring bill payments and subscription purchases
• 2% for every $1 you spend on gas and daily transit purchases
• 1% cash back on all other purchases with no cashback limit
• Visa Infinite* Concierge Services
• Visa Infinite* Hotel Collection
• Visa Infinite* Dining and Wine Country program
• Comprehensive Travel Insurance & New Mobile Device Insurance coverage

This is a solid card that allows you to earn $226.08 on groceries in your first year and $449.54 overall, with the $99 fee factored in. It includes a solid welcome bonus and a few valuable insurance coverages (but not as many as other cards on this list).

Learn more: Read our CIBC Dividend Platinum Visa Review

• Welcome Offer: Get a first-year annual fee rebate and earn a 10% cash back welcome bonus of up to $250 (first 4 statements)!†
• After that, get 3% cash back on eligible gas, EV charging, and grocery purchases.†
• 2% cash back on eligible transportation, dining purchases and recurring payments†
• 1% cash back on all other purchases†
• Get cash back on demand – redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®†
• Save on gas with CIBC and Journie Rewards
  • Link and use your CIBC Dividend Platinum Visa Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
• This is a digital-exclusive offer.†
  • To be eligible for this offer:
  • 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and
  • 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.†
  • This offer is reserved for you. Please do not forward it to anyone else.
• CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months.†
• This offer is not available to residents of Quebec
• Terms apply

This card allows you to earn $150.72 worth of Amex Membership Rewards points on groceries alone in the first year. Plus, you’ll get points for all your essential spending, netting $438.83 per year in rewards, minus the annual fee. This card also comes with some valuable perks for travellers.

Learn more: Read our Marriott Bonvoy American Express Card Review

• New Marriott Bonvoy® American Express®* Cardmembers earn 50,000 Marriott Bonvoy® points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership. Subject to change at any time
• Earn 5 points for every dollar in eligible Card purchases at hotels participating in Marriott Bonvoy®
• Earn 2 points for every $1 in all other Card purchases
• Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary
• No annual fee on Additional Cards
• Redeem points for free nights with no blackout dates at over 7,000 of the world’s most desired hotels
  Automatic Marriott Bonvoy Silver Elite status membership
• Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy® American Express®* Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program
• Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card
• 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.