Best Credit Cards in Canada for Online Shopping
- William Brazeau
- Jun 1
- 2 min read
Updated: Jun 24
Shopping online is second nature for most of us now, whether it’s groceries, tech gadgets, or that last-minute gift. If you’re not using the right credit card, though, you might be missing out on cash back, rewards, or valuable protections. Here are some of the best credit cards in Canada for online shopping, each offering something unique for digital spenders.
Why it’s great: High earn rate on food delivery, streaming services, and online grocery orders.
Key perks:
5x points on food and drinks (including delivery apps).
3x points on streaming subscriptions.
Flexible points transfers to airline and hotel partners.
Annual fee: $155.88 (charged @ $12.99 monthly).
Why it’s great: No foreign transaction fees make it perfect for shopping on U.S. or international websites.
Key perks:
5x Scene+ points on groceries, dining, and entertainment.
Strong insurance coverage for purchases and travel.
Annual fee: $120
Why it’s great: Solid cash back on online purchases, including those made in foreign currency.
Key perks:
1.5% cash back on Canadian purchases.
3% cash back on USD purchases (net of 2.5% foreign transaction fee).
Purchase protection and extended warranty.
Annual fee: $0
Why it’s great: Ideal for budget-conscious online shoppers who want perks without a credit check.
Key perks:
Unlimited 1.5% cash back on groceries, transportation, food & drinks
No interest charges.
Earn 3.5% interest
Free financial coaching and credit building tools.
Annual fee: $12/month or $144/year
Why it’s great: Excellent cash back on online grocery orders and recurring bills.
Key perks:
5% cash back on groceries.
4% on transit, 3% on gas, 2% on recurring bills.
Travel and purchase insurance included.
Annual fee: $120 (often waived for the first year)
What to Look For in an Online Shopping Credit Card
Cash Back or Points: Prioritize cards with strong rewards on e-commerce, groceries, or subscriptions.
Foreign Transaction Fees: If you shop from U.S. or international sites, consider cards that waive these fees.
Purchase Protection: Make sure the card offers protection against theft or damage for online purchases.
The best card for you depends on how you shop online. If you lean toward food delivery and subscriptions, the Cobalt shines. If you’re buying in U.S. dollars, the Scotiabank Gold Amex or Rogers card could offer better value. Choose wisely, and your everyday spending could start paying you back in a big way.
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