What is the best credit cards for groceries in Canada?

Based on our value ranking, the PC Insiders World Elite Mastercard from PC Financial currently leads this category, with a $120 annual fee and 21.99% purchase APR. Rankings update daily.

How are these cards ranked?

We rank by estimated real value for the category, computed from the welcome offer, earn rates, annual fee, and benefits. Every figure is pulled from the official issuer page, never an affiliate feed.

How current is this information?

Fees, rates, and offers are checked regularly against the official issuer pages. This page was last updated 2026-06-14. Always confirm details on the issuer's site before applying.

Ranked by value

Best Credit Cards for Groceries in Canada

Top earn rates on grocery and supermarket spending. 45 cards, ranked. Every figure cites the official issuer page. Updated 2026-06-14.

PC FinancialWorld Elite

PC Insiders World Elite Mastercard

Everyday rewards

Welcome bonus

No current offer

First Year Annual Fee Waived and 50,000 bonus PC Optimum™ points*

Fee: $120
APR: 21.99%

BMOWorld Elite

BMO CashBack World Elite Mastercard

Cash back on everyday spending

Welcome bonus

No current offer

Get up to $650 in value and the annual fees waived in the first year.

Fee: $139
APR: 21.99%

Neo FinancialWorld Elite

Neo World Elite Mastercard

Cash back on everyday spending

Welcome bonus

No current offer

Fee: $149
APR: 19.99%

PC FinancialWorld Elite

PC World Elite Mastercard

No annual fee rewards

Welcome bonus

No current offer

Enjoy 50,000 bonus PC Optimum™ points

Fee: No fee
APR: 21.99%

CIBCVisa Infinite

CIBC Dividend Visa Infinite Card

Cash back on everyday spending

Welcome bonus

No current offer

10% cash back welcome bonus up to $200 plus $50 pre-authorized payment bonus

Fee: $120
APR: —

ScotiabankInfinite

Scotia Momentum Visa Infinite Card

Cash back on everyday spending

Welcome bonus

No current offer

15% cash back on first $2,000 in everyday purchases (first 3 months) + first year annual fee waived

Fee: $120
APR: 20.99%

Simplii Financial

Simplii Cash Back Visa

No annual fee rewards

Welcome bonus

No current offer

Earn up to 20% cash back

Fee: No fee
APR: 21.99%

American Express

SimplyCash® Preferred Card from American Express

Cash back on everyday spending

Welcome bonus

No current offer

Earn up to $200 in bonus cash back

Fee: $119.88
APR: 21.99%

PC FinancialWorld

PC World Mastercard

No annual fee rewards

Welcome bonus

No current offer

Earn 50,000 bonus PC Optimum™ Points

Fee: No fee
APR: 21.99%

BMO

BMO CashBack Mastercard

Cash back on everyday spending

Welcome bonus

No current offer

Get up to 5% cash back in your first 3 months

Fee: No fee
APR: 21.99%

CIBCPlatinum

CIBC Dividend Platinum Visa Card

Cash back on everyday spending

Welcome bonus

No current offer

10% cash back welcome bonus up to $200 plus $50 pre-authorized payment bonus

Fee: $99
APR: 21.99%

TD Canada TrustInfinite

TD Cash Back Visa Infinite* Card

Cash back on everyday spending

Welcome bonus

No current offer

Earn up to $600 in total value - 10% Cash Back in first 3 months plus first-year annual fee rebate

Fee: $139
APR: 21.99%

PC Financial

PC Mastercard

No annual fee rewards

Welcome bonus

No current offer

Earn 50,000 bonus PC Optimum™ points

Fee: No fee
APR: 21.99%

Neo FinancialWorld

Neo World Mastercard

Cash back on everyday spending

Welcome bonus

No current offer

Fee: No fee
APR: 19.99%

RBC Royal BankStandard

RBC Cash Back Mastercard

Cash back on everyday spending

Welcome bonus

No current offer

Get up to 7% cash back for the first 3 months on up to $1,000 in total purchases

Fee: No fee
APR: 20.99%

Scotiabank

Scotia Momentum Visa Card

Cash back on everyday spending

Welcome bonus

No current offer

Fee: $49
APR: 20.99%

American Express

SimplyCash® Card from American Express

Cash back on everyday spending

Welcome bonus

No current offer

Earn up to $100 in bonus cash back

Fee: No fee
APR: 21.99%

Neo Financial

Neo Mastercard

Cash back on everyday spending

Welcome bonus

No current offer

Fee: No fee
APR: 19.99%

Scotiabank

Scotia Momentum Mastercard

Cash back on everyday spending

Welcome bonus

No current offer

Fee: No fee
APR: 20.99%

Scotiabank

Scotia Momentum No-Fee Visa Card

Cash back on everyday spending

Welcome bonus

No current offer

5% cash back on up to $2,000 in eligible purchases for first 3 months + 0% intro balance transfer rate

Fee: No fee
APR: 20.99%

TD Canada TrustClassic

TD Cash Back Visa* Card

Cash back on everyday spending

Welcome bonus

No current offer

Earn up to $100 in Cash Back Dollars

Fee: No fee
APR: 21.99%

American Express

The American Express® Cobalt® Card

Everyday rewards

Welcome bonus

~$300

Earn up to 15,000 Membership Rewards points in your first year

Fee: $191.88
APR: 21.99%

RBC Royal BankInfinite

More Rewards RBC Visa Infinite

No annual fee rewards

Welcome bonus

~$200

Welcome More Rewards points 20,000

Fee: No fee
APR: 20.99%

RBC Royal BankStandard

RBC ION+ Visa

Travel points & miles

Welcome bonus

~$280

Get 14,000 Avion points upon approval - that's $100 of value in gift cards

Fee: $48
APR: 20.99%

Scotiabank

Scotiabank Gold American Express Card

Great for travel abroad

Welcome bonus

~$450

Earn up to 45,000 bonus Scene+ points ($450 in travel rewards)

Fee: $120
APR: 21.99%

RBC Royal BankStandard

More Rewards RBC Visa

No annual fee rewards

Welcome bonus

~$200

Welcome More Rewards points 20,000

Fee: No fee
APR: 20.99%

CIBCVisa Infinite Privilege

CIBC Aeroplan Visa Infinite Privilege Card

Travel points & miles

Welcome bonus

No current offer

Fee: $599
APR: 21.99%

American Express

American Express® Gold Rewards Card

Everyday rewards

Welcome bonus

~$1200

Earn up to 60,000 Membership Rewards points in your first year

Fee: $250
APR: 21.99%

TD Canada TrustInfinite

TD® First Class Travel® Visa Infinite* Card

Everyday rewards

Welcome bonus

~$730

Up to $1,300 in value including up to 146,000 TD Rewards Points plus first-year annual fee rebate

Fee: $139
APR: 21.99%

CIBCVisa Infinite

CIBC Aeroplan Visa Infinite Card

Travel points & miles

Welcome bonus

No current offer

Fee: $139
APR: 21.99%

TD Canada TrustInfinite

TD® Aeroplan® Visa Infinite* Card

Travel points & miles

Welcome bonus

~$840

Up to $1,350 in value including up to 40,000 Aeroplan points plus first-year annual fee rebate

Fee: $139
APR: 21.99%

RBC Royal BankStandard

RBC ION Visa

Travel points & miles

Welcome bonus

~$140

Get 7,000 Avion points upon approval - that's $50 of value in gift cards

Fee: No fee
APR: 20.99%

Scotiabank

Scotiabank American Express Card

No annual fee rewards

Welcome bonus

~$25

Earn 2,500 bonus Scene+ points

Fee: No fee
APR: 21.99%

ScotiabankInfinite

Scotiabank Passport Visa Infinite Card

Great for travel abroad

Welcome bonus

~$500

Earn up to 40,000 bonus Scene+ points + 10,000 in first 6 months

Fee: $150
APR: 20.99%

ScotiabankInfinite Privilege

Scotiabank Passport Visa Infinite Privilege Card

Great for travel abroad

Welcome bonus

~$300

Earn 30,000 bonus Scene+ points

Fee: $599
APR: 20.99%

TD Canada TrustPlatinum

TD® Platinum Travel Visa* Card

Everyday rewards

Welcome bonus

~$250

Up to $370 in value including up to 50,000 TD Rewards Points plus first-year annual fee rebate

Fee: $89
APR: 21.99%

TD Canada TrustPlatinum

TD® Aeroplan® Visa Platinum* Card

Travel points & miles

Welcome bonus

~$420

Welcome bonus up to 20,000 Aeroplan points

Fee: $89
APR: 21.99%

Scotiabank

Scotiabank Scene+ Visa Card

No annual fee rewards

Welcome bonus

~$25

Earn 7,500 bonus Scene+ points (welcome offer includes 2,500 first-spend + 5,000 ongoing)

Fee: No fee
APR: 21.99%

TD Canada TrustClassic

TD Rewards Visa* Card

No annual fee rewards

Welcome bonus

~$152

Welcome Bonus of 30,310 TD Rewards Points plus $100 value in TD Rewards Points for Amazon.ca, no annual fee

Fee: No fee
APR: 21.99%

RBC Royal BankWorld Elite

WestJet RBC World Elite Mastercard

Travel points & miles

Welcome bonus

~$450

Get up to 45,000 WestJet points, a value of up to $450 off travel

Fee: $139
APR: 20.99%

RBC Royal BankStandard

moi RBC Visa

No annual fee rewards

Welcome bonus

~$40

Get up to 5,000 bonus Moi points (a value of $40) by January 20, 2027

Fee: No fee
APR: 20.99%

BMO

BMO eclipse rise Visa

No annual fee rewards

Welcome bonus

No current offer

25,000 bonus points for you

Fee: No fee
APR: 21.99%

CIBCGold

CIBC Aventura Gold Visa Card

Everyday rewards

Welcome bonus

60k pts

Earn up to 60,000 Aventura Points (up to $1,200 in travel value) plus annual fee rebate

Fee: $139
APR: —

CIBCVisa Infinite

CIBC Aventura Visa Infinite Card

Everyday rewards

Welcome bonus

60k pts

Earn up to 60,000 Aventura Points (up to $1,200 in travel value) plus annual fee rebate

Fee: $139
APR: 21.99%

Neo FinancialWorld Elite

United MileagePlus Neo World Elite Mastercard

Travel points & miles

Welcome bonus

25k pts

Up to 25,000 MileagePlus miles

Fee: $89
APR: 19.99%

Frequently asked

What is the best credit cards for groceries in Canada?: Based on our value ranking, the PC Insiders World Elite Mastercard from PC Financial currently leads this category, with a $120 annual fee and 21.99% purchase APR. Rankings update daily.
How are these cards ranked?: We rank by estimated real value for the category, computed from the welcome offer, earn rates, annual fee, and benefits. Every figure is pulled from the official issuer page, never an affiliate feed.
How current is this information?: Fees, rates, and offers are checked regularly against the official issuer pages. This page was last updated 2026-06-14. Always confirm details on the issuer's site before applying.

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