Ratesopedia
Ranking · Updated May 2026

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.

51
cards
Best for: Overall value
American Express Platinum Card®
American Express Platinum Card®
4.8Ratesopedia rating

It comes with a welcome bonus of 100,000 pts. You earn 1x on groceries and 2x at restaurants. Estimated first-year value is $2,170.

Best of MonthAmerican Express Canada

Annual Fee

$799

Rewards rate

1x

American Express Membership Rewards

Welcome Bonus

100,000 pts

1st Year Value

$2,170

Pros

  • Welcome bonus of 100,000 pts
  • 2x at restaurants
  • Estimated 1st-year value of $2,170

Cons

  • High annual fee ($799)
Best for: Aeroplan travel
American Express® Aeroplan®* Reserve Card
American Express® Aeroplan®* Reserve Card
5.0Ratesopedia rating

It comes with a welcome bonus of 85,000 pts. You earn 1.25x on groceries and 2x at restaurants. Estimated first-year value is $2,130.

Best of MonthAmerican Express Canada

Annual Fee

$599

Rewards rate

1.25x

Aeroplan

Welcome Bonus

85,000 pts

1st Year Value

$2,130

Pros

  • Welcome bonus of 85,000 pts
  • 2x at restaurants
  • Estimated 1st-year value of $2,130

Cons

  • High annual fee ($599)
Best for: Overall value
BMO VIPorter World Elite®* Mastercard®*
BMO VIPorter World Elite®* Mastercard®*
5.0Ratesopedia rating

It comes with a welcome bonus of 70,000 pts. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $1,764.

Mastercard

Annual Fee

$199

Rewards rate

1x

Viporter

Welcome Bonus

70,000 pts

1st Year Value

$1,764

Pros

  • Welcome bonus of 70,000 pts
  • 2x on groceries
  • 2x at restaurants
  • Estimated 1st-year value of $1,764

Cons

  • High annual fee ($199)
  • Requires good credit
Best for: Overall value
BMO eclipse Visa Infinite Privilege* Card
BMO eclipse Visa Infinite Privilege* Card
4.8Ratesopedia rating

It comes with a welcome bonus of 200,000 pts. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,655.

Best of MonthVisa

Annual Fee

$599

Rewards rate

1x

Bmo Rewards

Welcome Bonus

200,000 pts

1st Year Value

$1,655

Pros

  • Welcome bonus of 200,000 pts
  • 5x on groceries
  • 5x at restaurants
  • Estimated 1st-year value of $1,655

Cons

  • High annual fee ($599)
  • Requires good credit
Best for: First year free
TD First Class Travel® Visa Infinite* Card
TD First Class Travel® Visa Infinite* Card
5.0Ratesopedia rating

The TD First Class Travel® Visa Infinite* Card offers the first year free (regular fee $139/yr). It comes with a welcome bonus of 165,000 pts. You earn 6x on groceries and 6x at restaurants. Estimated first-year value is $1,634.

Best of Month1st Year FreeVisa

Annual Fee

$139 $0

Rewards rate

2x

TD Rewards

Welcome Bonus

165,000 pts

1st Year Value

$1,634

Pros

  • First year free
  • Welcome bonus of 165,000 pts
  • 6x on groceries
  • 6x at restaurants

Cons

  • Requires good credit
Best for: Overall value
National Bank World Elite Mastercard
National Bank World Elite Mastercard
4.7Ratesopedia rating

It comes with a welcome bonus of 50,000 pts. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,373.

Best of MonthMastercard

Annual Fee

$150

Rewards rate

1x

Bnc Rewards

Welcome Bonus

50,000 pts

1st Year Value

$1,373

Pros

  • Welcome bonus of 50,000 pts
  • 5x on groceries
  • 5x at restaurants
  • Estimated 1st-year value of $1,373

Cons

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

It comes with a welcome bonus of 80,000 pts. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $1,281.

Best of MonthAmerican Express Canada

Annual Fee

$399

Rewards rate

2x

Sceneplus

Welcome Bonus

80,000 pts

1st Year Value

$1,281

Pros

  • Welcome bonus of 80,000 pts
  • 2x on groceries
  • 2x at restaurants
  • Estimated 1st-year value of $1,281

Cons

  • High annual fee ($399)
  • Requires good credit
Best for: Overall value
BMO Ascend™ World Elite®* Mastercard®*
BMO Ascend™ World Elite®* Mastercard®*
5.0Ratesopedia rating

It comes with a welcome bonus of 100,000 pts. You earn 1x on groceries and 3x at restaurants. Estimated first-year value is $1,256.

Best of MonthMastercard

Annual Fee

$150

Rewards rate

1x

Bmo Rewards

Welcome Bonus

100,000 pts

1st Year Value

$1,256

Pros

  • Welcome bonus of 100,000 pts
  • 3x at restaurants
  • Estimated 1st-year value of $1,256

Cons

  • Requires good credit
Best for: Overall value
Scotiabank Passport® Visa Infinite Privilege* Card
Scotiabank Passport® Visa Infinite Privilege* Card
4.8Ratesopedia rating

It comes with a welcome bonus of 100,000 pts. You earn 1x on groceries and 2x at restaurants. Estimated first-year value is $1,232.

Best of MonthVisa

Annual Fee

$599

Rewards rate

1x

Sceneplus

Welcome Bonus

100,000 pts

1st Year Value

$1,232

Pros

  • Welcome bonus of 100,000 pts
  • 2x at restaurants
  • Estimated 1st-year value of $1,232

Cons

  • High annual fee ($599)
  • Requires good credit
Best for: Overall value
BMO eclipse Visa Infinite* Card
BMO eclipse Visa Infinite* Card
5.0Ratesopedia rating

It comes with a welcome bonus of 80,000 pts. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,139.

Visa

Annual Fee

$120

Rewards rate

1x

Bmo Rewards

Welcome Bonus

80,000 pts

1st Year Value

$1,139

Pros

  • Welcome bonus of 80,000 pts
  • 5x on groceries
  • 5x at restaurants
  • Estimated 1st-year value of $1,139

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.

51

Cards analyzed

May 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.

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