Best Credit Cards for Restaurants in Canada - September 2026

Earn up to $950 in welcome offers, rewards and savings in the first year, and including up to 50,000 bonus Scene+ points¹.

• Earn 6x Scene+ points¹ for every dollar spent at Sobeys, Safeway, Freshco, Foodland and more.
• Earn 5x Scene+ points¹ for every dollar spent on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.
• Earn 5x Scene+ points¹ for every dollar spent on eligible entertainment in Canada. Includes cinemas, theatres and ticket agencies.
• Earn 3x Scene+ points¹ for every Canadian dollar spent in Canada on gas and daily transit. Includes rideshares, buses, subway, taxis and more.
• Earn 3x Scene+ points¹ for every Canadian dollar spent in Canada on select eligible 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^®
• American Express^® Front Of The Line^®
• American Express Invites^®
• Complimentary Concierge Services

Rates, fees and other information are effective as of July 2, 2026. Subject to change.

• 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

Card features

• 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 for eligible gas, public transit and ride sharing purchases 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
• Fees: $15.99/month (Equals $191.88 annually) for non-Quebec residents. $191.88/year for Quebec residents.
• 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
• Access Front Of The Line^® Amex^TM Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences^TM

Apply with confidence!

• See if you’ll be approved before you apply – with no impact to your credit score.*
• When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
• Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
• A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
• Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.

Access special experiences with The Platinum Card^®.

Get up to 100,000 Membership Rewards^® points, worth up to $1,000 toward your next getaway-

• As a new The Platinum Card^® Cardmember, get a welcome bonus of 70,000 points when you charge $10,000 in net purchases to your Card in the first 3 months of Cardmembership
• Plus, get 30,000 points when you make a purchase between the 15th and 17th month after your Cardmembership begins

Card features

• Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
• Access a $200 Annual Travel Credit through American Express Travel Online or Platinum^® Card Travel Service
• Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants
• Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands
• Make the most of the American Express Global Lounge Collection^™, which gives you access to more than 1,550 airport lounges worldwide. The Global Lounge Collection includes the Centurion Lounge^® network, Plaza Premium lounges, and hundreds of other international and domestic lounges that will enhance your travel experience. Terms and conditions apply
• Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program
• Transfer points 1:1 to several frequent flyer and other loyalty programs
• Enjoy complimentary benefits that offer an average value of $550 USD at over 1,600 extraordinary properties worldwide when you book Fine Hotels + Resorts
• Platinum Cardmembers can enjoy access to special events and unique opportunities
• Enjoy premium benefits at the Toronto Pearson Airport
• You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Hertz and Avis
• Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement

Apply with confidence!

• See if you’ll be approved before you apply – with no impact to your credit score.*
• When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
• Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
• A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
• Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.

 

Earn up to $600* in value for the first year.

Earn a 30,000 Scene+^® Points Welcome Bonus with the Tangerine ^® Rewards World Elite^®* Mastercard^®*. Apply today and start earning up to $600 in value* from Day 1, including:

• $300 value — 30,000 Scene+ points: Spend $3,000 on what you need in the first 3 months to earn a Welcome Bonus.*
• $100 value — 10,000 Scene+ points: Get an Annual Lifestyle Credit by spending $30,000 in a year.*
• $200 value — 4 complimentary lounge passes annually*: Gain airport lounge access with Dragonpasses when travelling.

Earn 1.5X Scene+ Points in 3 Accelerator Categories. Choose from 13 Categories and you can even switch them every 90 days.* Plus, get 1 Scene+ point per $1 spent on everything else.*

Total of 13 Reward Categories:

• Grocery
• Restaurants
• Entertainment
• Furniture
• Gas
• Home improvement
• Hotels-motels
• Public Transportation and Parking
• Pharmacy
• Recurring bill payments
• Fitness and Sports Clubs
• E-Games
• Foreign currency spend

The Mastercard Collection — Globally connected access to premium dining, entertainment and travel benefits*

• Unique Cirque du Soleil benefits
• FUBO: Save $30 on a Sports Quarterly plan for your first quarter.*
• H&R Block: Receive 30% off tax filing services*
• FlexiRoam: Enjoy a complimentary 3GB Global Data Roaming Plan*

Transfer and save
During your first 30 days, transfer balances up to your credit limit and pay an interest rate of only 1.95% on the transferred balance for 6 months (22.95% after that). A Balance Transfer fee of 1% on the amount transferred will apply.* Conditions Apply.

Spend confidently with the Tangerine^® Rewards World Elite Mastercard^®*. Have peace of mind knowing you’re covered with Purchase Assurance and Extended Warranty5 of up to $60,000 (lifetime maximum).