Ratesopedia
Best for: Overall value
Scotiabank Gold American Express Card
4.7Ratesopedia rating

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.

Best of Month
Annual Fee
$120
Rewards rate
1x

Scene+

Welcome Bonus
45,000 points

Ends Jul 1, 2026

1st Year Value
$1,088

Pros

  • Welcome bonus of 45,000 points
  • 5x on groceries
  • 5x at restaurants
  • Estimated 1st-year value of $1,088

Cons

  • Requires good credit
Best for: Overall value
American Express Platinum Card
5.0Ratesopedia rating

It comes with a welcome bonus of 170,000 points. You earn 1x on groceries and 2x at restaurants. Estimated first-year value is $2,560.

Best of Month
Annual Fee
$799
Rewards rate
1x

Amex Membership Rewards

Welcome Bonus
170,000 points
1st Year Value
$2,560

Pros

  • Welcome bonus of 170,000 points
  • 2x at restaurants
  • Estimated 1st-year value of $2,560

Cons

  • High annual fee ($799)
Best for: Overall value
National Bank World Elite Mastercard
4.2Ratesopedia rating

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.

Best of Month
Annual Fee
$150
Rewards rate
1x

NBC Rewards

Welcome Bonus
50,000 points

Ends Jun 29, 2026

1st Year Value
$872

Pros

  • Welcome bonus of 50,000 points
  • 5x on groceries
  • 5x at restaurants
  • Estimated 1st-year value of $872

Cons

  • Requires good credit
Best for: Overall value
Tangerine Rewards World Elite Mastercard
3.7Ratesopedia rating

It comes with a welcome bonus of 30,000 points. You earn 1.5x on groceries and 1x at restaurants. Estimated first-year value is $463.

Annual Fee
$120
Rewards rate
1x

Scene+

Welcome Bonus
30,000 points

Ends Oct 30, 2026

1st Year Value
$463

Pros

  • Welcome bonus of 30,000 points
  • Estimated 1st-year value of $463

Cons

  • Requires good credit

Complete Guide

Best Credit Cards for Restaurants in Canada

Maximize rewards when dining out. Compare cards with 2–5x points or 3–4% cash back at restaurants and food delivery.

If you dine out regularly or order food delivery, a credit card that bonuses restaurant spending can earn you hundreds in annual rewards. The best dining cards offer 3–5x points or 3–4% cash back at restaurants, bars, and food delivery apps.

5

Cards analyzed

Jun 2026

Last updated

100%

Independent

Methodology

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.

📊Real data
🔄Updated regularly
⚖️Unbiased review
🎯Transparent criteria

FAQ

Frequently Asked Questions

1Does food delivery count as restaurant spending?

Usually yes. Most cards categorize UberEats, DoorDash, and SkipTheDishes as restaurant/food delivery, qualifying for bonus rates.

Next step

Find your perfect card

Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.