Best Grocery Store Credit Cards in Canada (2025 Edition)
- William Brazeau
- Jun 2
- 2 min read
Updated: Jun 24
Grocery shopping is one of the most consistent expenses for Canadians, and the right credit card can help turn those purchases into serious rewards. Whether you're feeding a family or stocking up solo, the best grocery store credit cards in Canada can help you earn points, cash back, or travel rewards with every trip to the checkout.
Below, we’ve rounded up top picks for 2025 based on reward value, perks, and grocery store compatibility across major retailers like Loblaws, Sobeys, Metro, and Walmart.
Why it stands out: This card leads the pack with unbeatable rewards on groceries and dining.
Rewards Rate: 5x points on groceries and dining (up to $30,000 per year)
Annual Fee: $155.88 ($12.99/month)
Suggested Credit Score: 700+
Grocery Coverage: Accepted at Metro, Sobeys, Safeway, and online grocery delivery like Voilà.
Extras: Flexible rewards with Amex Membership Rewards program
Considerations: Not accepted at Costco or No Frills. Smaller independent grocers may not take Amex.
Why it stands out: Similar to the Amex Cobalt but with no foreign transaction fees.
Rewards Rate: 5x points on groceries, restaurants, and entertainment
Annual Fee: $120
Suggested Credit Score: 700+
Grocery Coverage: Strong Amex grocery coverage in urban areas
Promos: Up to 40,000 bonus Scene+ points (conditions apply)
Considerations: Same acceptance limitations as most Amex cards.
Why it stands out: A top-tier Mastercard for grocery cash back.
Rewards Rate: 5% cash back on groceries (up to $500/month)
Annual Fee: $120 (often waived first year)
Suggested Credit Score: 725+
Grocery Coverage: Accepted at virtually all grocery stores, including Walmart and Costco (with conditions)
Extras: Travel insurance, roadside assistance
Considerations: High income requirement: $80,000 personal / $150,000 household.
Why it stands out: Designed for shoppers at Loblaws-owned stores.
Rewards Rate: Up to 45 PC Optimum points per $1 at Loblaws, No Frills, Real Canadian Superstore
Annual Fee: $0
Suggested Credit Score: 700+
Grocery Coverage: Strongest value at PC-affiliated stores
Extras: Free PC Travel and Shoppers Drug Mart perks
Considerations: Less useful outside PC-branded retailers.
Why it stands out: Solid all-rounder with strong grocery returns.
Rewards Rate: 4% cash back on groceries (up to $20,000/year)
Annual Fee: $120 (rebated first year)
Suggested Credit Score: 725+
Grocery Coverage: Widely accepted Visa card, including Walmart
Promos: $120 cashback welcome bonus (limited-time)
Considerations: Standard income requirement: $60,000 personal or $100,000 household.
Final Thoughts
If groceries make up a large portion of your monthly budget, it pays to pick a card that rewards you generously. The best grocery store credit cards in Canada can stretch your dollar further — whether you're earning cash back or stacking up rewards points.
When choosing the right card, consider where you shop most often, your income level, and whether you prefer cash or travel rewards. And always read the fine print on spending caps and exclusions.
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