Whether you like to order food delivery or dine at restaurants, there are several credit cards in Canada that can give you additional rewards on your dining spend. Let’s take a look at some of the best credit cards for groceries, food delivery services, and restaurants.
Best overall credit card for food (dining out, groceries, food delivery)
BMO eclipse Visa Infinite* Card
Welcome Offer: Get up to 40,000 points and the $120 annual fee waived in the first year.
Earn Rate: Earn 5x the BMO Rewards points on groceries, dining, gas and transit. Get 1 BMO Reward for every $1 spent on everything else.
Perks: Get a $50 annual lifestyle credit to spend however you want. Mobile Device Insurance that covers you for up to $1,000. Pay with Points by browsing your recent transactions & redeem your points for as little as $1.
Annual Fee: $120
Min. Income Required $60,000 personal or $100,000 household
This credit card is great for you if you are looking for a card that offers a lot of flexible rewards on groceries. You will get 5x reward points per $1 you spent on public transit, ride-sharing, gas, groceries, and restaurants (including food delivery apps like Uber Eats and DoorDash. In addition to this, you will also earn a $50 lifestyle credit that you can use however you want every year you’re a cardholder. Apart from this, you will also get 10% more points when you add a relative or friend as an authorized user to your account. The card has a yearly fee of $120. The good news is that this fee is waived for the first year.
The credit card from BMO offers 40,000 points as a sign-up bonus. You will get 25,000 reward points after you spend $3,000 in the first 90 days of card ownership and 15,000 reward points after one year.
Best for Uber Eats & DoorDash
American Express® AIR MILES®* Platinum Credit Card
on American Express' website
Welcome Offer: 3,000 AIR MILES Reward Miles (when you charge a total of $1,500 in purchases to your Card within your first three months of Card membership).
Earn Rate: 1 Mile for every $10 in Card purchases at AIR MILES Sponsors. Earn 1 Mile for every $10 in purchases at other eligible grocery stores, gas stations, and drugstores. Earn 1 Mile for every $15 in purchases everywhere else.
Annual Fee: $120
Min. Income Required: $0
This credit card is a great choice if you are an Air Miles collector. In fact, it is the best credit card for Uber Eats, DoorDash, and other food delivery services. You will get one mile for each $5 you spent on transit purchases, gas, and food and drinks and one mile for each $10 you spent on other purchases. In addition to this, you will receive 3,000 as a sign-up bonus after spending $1,500 in the first 90 days of card ownership.
Air Miles, a loyalty program, has partnered with DoorDash and Uber Eats. You can redeem your Cash Miles for the voucher with DoorDash and Uber Eats. And 190 miles will give you a gift card of $20.
Here is how to get your gift card for Uber Eats.
To obtain your eVoucher for Uber Eats, go to this site, log in, and order the eVoucher. Log in to the app of Uber Eats, hit “promotions” and input your gift card code. After that, you can use your gift card code on your next order.
Here is how to get your gift card for DoorDash.
To get your voucher for DoorDash, visit this site, sign in and order the eVoucher or Gift card. Visit DoorDash’s website or log in to the app of DoorDash. Go to account, credits, and then gift cards. Input your gift card pin number.
Best for high earn rate & flexible points redemption
American Express Cobalt™ Card
on American Express' website
Welcome Offer: 45,000 Membership Rewards® points. Earn up to 30,000 Points in your first year, plus apply by May 5, 2021, and you can earn 15,000 Membership Rewards® points when you spend a total of $3,000 in your first 3 months of Cardmembership
Earn Rate: 5x rewards on dining, coffee shops, grocery stores. 2x rewards on travel, lodging, transit. 1x point for everything else.
Annual Fees: $10/month
The biggest perks of this credit card are its high earn rate on daily purchases and flexibility. Cardmembers will earn five points for every $1 they spent on restaurant, grocery store, and bar purchases. In addition to this, they will get two points for every dollar they spent on transit, travel, and gas purchases. Cardholders will also earn one point for each $1 they spent on other purchases.
Moreover, new cardholders will get a sign-up bonus of 30,000 points. They will get 2,500 points every month they spend $500 in the first 12 months. The credit card carries a monthly fee of $10. This credit card is regarded as one of the top lifestyle rewards cards in Canada. As a matter of fact, it is also one of the top credit cards for food delivery.
Best no-fee food credit card in Canada
BMO CashBack® MasterCard®*
Welcome Offer: 5% cash back in your first 3 months + 1.99% introductory interest rate on Balance Transfers for 9 months with a 1% transfer fee.
Earn Rate: Get 1% cash back on all purchases.
Annual Fee: $0
Min. Income Required: $0
Those who spend a lot of money on recurring payments and groceries will love this credit card. This credit card offers 3% cash back on groceries after the first three months of account approval. And the best thing about this credit card is that it carries no yearly fees.
So, which grocery purchases are eligible for 3% cash back. When you buy something at a supermarket or grocery shop that sells a whole line of food products, you will get 3% cash back up to $500 spent every month.
However, it is important for you to know that bakeries, general merchandise shops, and convenience shops are not included in this offer. Further, you will earn 1% cash back on recurring bills after the first 90 days and 0.5% cash back on other purchases.
Best food credit card with travel perks
BMO World Elite™* MasterCard®*
Welcome Offer: 40,000 Points + First year fee waived
Earn Rate: 3 BMO Rewards points for every $1 spent on eligible travel, dining and entertainment. 2x points for everything else.
Annual Fee: $150
Min. Income Required: $80,000 personal or $150,000 household
This credit card has a welcome bonus of 40,000 points. You get three points for each $1 you spent on entertainment, dining, and travel and two points for each dollar spent on other purchases. This is not all. Cardholders will get a variety of other benefits with this credit card, such as an airport lounge membership with four complimentary passes, concierge service, and other special entertainment access. The card has a yearly fee of $150. It comes with 14 kinds of insurances, including three coverages for rental cars, flight delays, and trip cancellations.
Best food credit card with no FX fees
Scotiabank®* Gold American Express®
on Scotiabank's website
Welcome Offer: 25,000 Scotia Rewards points.
Earn Rate: 5x points for every $1 spent on eligible grocery, restaurants, fast food, drinking establishments, entertainment. 3x points for every $1 spent on gas, transit, and streaming services. 1x point for everything else. No FX Fees.
Annual Fee: $120
Min. Income Required: Personal - $12,000
This credit card from Scotiabank is one of the best restaurant credit cards with no foreign exchange fees. You will not have to pay a foreign transaction fee of 2.5% on purchases made in a foreign currency.
You will get five points for each $1 you spent on entertainment, restaurants, and groceries. And you will earn three points for each $1 you spent on streaming services, everyday transit, and gas. Cardmembers will also get one point for each $1 they spent on everything else.
Other than that, this credit card comes with other benefits, including:
- access to Amex Experiences (previously Invites) and Scotia Rewards Travel service.
- low-income requirements
- no foreign exchange fees
- 11 kinds of free travel insurance and purchase protection
Cardmembers could enjoy special benefits, discounts, and entertainment offers thanks to American Express Experiences. This service offers access to a selection of the latest forthcoming experiences and events. The benefits can include passes for the American Express Lounge, discounts for events, pre-sale and reserved tickets for forthcoming shows. Last but not least, the card gives you a welcome bonus of 25,000 points. There is a yearly fee of $120 for this credit card.
Best for rotating rewards (a great additional card to carry)
Tangerine Money-Back Credit Card
on Tangerine's website
Welcome Offer: choose up to 3 categories and receive a 4% cash back on those for the first 3 months.
Earn Rate: 2% cash back on your selected categories, and 0.5% on everything else.
Annual Fee: $0
Min. Income Required: Personal $12,000
This credit card is one of the best credit cards in Canada for dining and restaurants. It allows you to earn 2% cash back in up to three merchant categories of your choice (including restaurants), and 0.5% cash back on other purchases.
Cash back categories include public transportation, home improvement, grocery, furniture, drug store, entertainment, and restaurants to name a few. Furthermore, you can change your categories to suit your spending habits. However, it is important to note that it can take three billing cycles for the changes to become effective. What’s more, this credit card has no yearly fees.
Cash back rewards are paid monthly. They can be deposited into your savings account or applied directly to your credit card balance.
Other great dining credit cards in Canada
MBNA Rewards Platinum Plus Mastercard
This credit card has no yearly fees and offers some flexible rewards and other benefits. On top of that, it is great for Uber Eats and other food delivery services.
With this credit card, you will get four points for each dollar spent on restaurant, groceries, and gas purchases for the first three months. Additionally, you will get two points for each $1 you spent on restaurant, grocery, and gas purchases afterward and one point per $1 you spent on other purchases. You can redeem the credit card points for merchandise, gift cards, and travel.
What’s more, the card gives you a sign-up bonus of 10,000 points. You will get 5,000 bonus points after spending $500 in the first three months of account opening. Finally, you will also earn 5,000 bonus points when you enroll for e-statements in the first three months of card membership. Besides, this card comes with seven kinds of free insurance.
Meridian Visa Infinite Cash Back Card
This credit card has a yearly fee of $99. The good news is that this yearly fee is waived for the first year. The card allows you to earn 4% cash back on grocery and gas purchases and 2% cash back on utility bill payments and pharmacy purchases. Other than that, you can earn 1% cash back on other purchases. This credit card from Meridian offers cell phone insurance that covers up to $1,000.
On top of that, this card has an impressive travel insurance package. You receive $5 million in medical coverage up to 48 days if you are below 65. However, several travel credit cards offer just 21 days of coverage with a $1 million maximum payout.