Earn the most rewards on grocery shopping. Compare cards offering 2–5x points or 2–4% cash back at supermarkets.
It comes with a welcome bonus of 45,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,088.
Annual Fee
$120
Rewards rate
1x
Scene+
Welcome Bonus
45,000 points
1st Year Value
$1,088
It comes with a welcome bonus of 50,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $872.
Annual Fee
$150
Rewards rate
1x
NBC Rewards
Welcome Bonus
50,000 points
1st Year Value
$872
It comes with a welcome bonus of 15,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,263.
Annual Fee
$192
Rewards rate
1x
Amex Membership Rewards
Welcome Bonus
15,000 points
1st Year Value
$1,263
The BMO eclipse Visa Infinite Card offers a first year annual fee rebate (regular fee $120/yr). It comes with a welcome bonus of 70,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $951.
Annual Fee
$120 $0
Rewards rate
1x
BMO Rewards
Welcome Bonus
70,000 points
1st Year Value
$951
The Scotia Momentum Visa Infinite + Card offers a first year annual fee rebate (regular fee $120/yr). It comes with a welcome bonus of $300. You earn 4x on groceries and 1x at restaurants. Estimated first-year value is $1,025.
Annual Fee
$120 $0
Rewards rate
1x
Cash Back
Welcome Bonus
$300
1st Year Value
$1,025
The CIBC Dividend Visa Infinite Card offers a first year annual fee rebate (regular fee $120/yr). It comes with a welcome bonus of $300. You earn 4x on groceries and 2x at restaurants. Estimated first-year value is $864.
Annual Fee
$120 $0
Rewards rate
1x
Cash Back
Welcome Bonus
$300
1st Year Value
$864
The PC World Elite Mastercard has no annual fee, making it risk-free to hold. It comes with a welcome bonus of 20,000 points. You earn 30x on groceries and 10x at restaurants. Estimated first-year value is $420.
Annual Fee
$0
Rewards rate
10x
PC Optimum
Welcome Bonus
20,000 points
1st Year Value
$420
Complete Guide
Earn the most rewards on grocery shopping. Compare cards offering 2–5x points or 2–4% cash back at supermarkets.
The average Canadian family spends $12,000–$16,000 per year on groceries. With the right credit card, that's $250–$800 in annual rewards. Cards that bonus groceries typically offer 2–5x points or 2–4% cash back at supermarkets.
7
Cards analyzed
Jun 2026
Last updated
100%
Independent
Our team evaluates credit cards based on overall consumer value: rewards earning rates, annual fees, welcome bonuses, insurance coverage, and additional perks. Cards are ranked by estimated first-year value. We update our picks monthly.
FAQ
The Amex Cobalt earns 5x Membership Rewards points at grocery stores — the highest earning rate in Canada for groceries.
It depends on the card. Most Visa and Mastercard issuers classify Costco as a wholesale club, not a grocery store. The Costco Mastercard earns 3% at Costco specifically.
Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.
