Grocery credit cards

Compare the credit cards that earn cash back and rewards on grocery shopping.

By   |   Verified by David Boyd   |   Updated 27 Sep 2024

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Comparing grocery credit cards

American Express Gold Rewards Card

On website

Featured

American Express Gold Rewards Card

Balance transfer

N/A

Purchase rate

21.99% p.a. ongoing

Annual fee

$250.00 p.a. ongoing

Highlights

  • Earn up to 60,000 Membership Rewards points. New American Express Gold Rewards Cardmembers, earn 5,000 Membership Rewards points for each monthly billing period in which you spend $1,000 in net purchases on your Card.
  • 1 free additional Gold Rewards Card ($50 annual fee for Additional Gold Rewards Cards).
  • Earn 2 points for every $1 in Card purchases for eligible travel purchases, gas stations, grocery stores, and drugstores. Earn 1 point for every $1 in Card purchases everywhere else.

Pros

  • Earn up to 60,000 points when you meet the criteria.
  • Earn bonus points while you spend.
  • Includes 9 complimentary insurances.

Cons

  • The $250 p.a. annual fee.
  • If you miss payments, the applicable rates for your account will be 25.99% and/or 28.99%
KOHO Extra Prepaid Mastercard

On website

KOHO Extra Prepaid Mastercard

Balance transfer

N/A

Purchase rate

N/A

Annual fee

$84.00 p.a. ongoing

Highlights

  • 0% interest rate.
  • Enjoy an affordable $84 annual fee (comes with a 30-day free trial).
  • Earn 2% cashback on groceries, bills & services, eating & drinking.

Pros

  • No credit check required.
  • No foreign exchange fees.
  • Get 1 free international withdrawal a month.
  • Optional Credit Building for $7/month
  • You can earn 2% interest on your balance. 

Cons

  • Since it is a prepaid card, you need to fund the account to use the card.
  • The $84 annual fee.
SimplyCash Card from American Express

On website

SimplyCash Card from American Express

Balance transfer

N/A

Purchase rate

21.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • Earn a bonus 5% cashback on all purchases (up to $2,000 in spending) and receive up to $100 in Statement Credits within the first 3 months of Cardmembership. Terms and Conditions apply.
  • Earn 2% cashback on gas and grocery.
  • Earn 1.25% cashback on other eligible transactions.

Pros

  • Earn generous cashback when you meet the eligibility requirements.
  • No annual fee.
  • Enjoy Travel-Related and Shopping Insurance Coverage.

Cons

  • There is no balance transfer offer on this card.
KOHO Easy Prepaid Mastercard

On website

KOHO Easy Prepaid Mastercard

Balance transfer

N/A

Purchase rate

N/A

Annual fee

$0.00 p.a. ongoing

Highlights

  • $0 annual fee.
  • 0% interest rate.
  • Earn 1% cashback on groceries, billing, and services.

Pros

  • No credit check required.
  • Earn cashback on eligible transactions.
  • Get up to 5% additional cashback with KOHO merchant partners.
  • Optional Credit Building for $10/month
  • You can earn 0.5% interest on your balance. 

Cons

  • There is a 1.5% foreign transaction fee.
  • Since it is a prepaid card, you need to fund the account to use the card.
SimplyCash Preferred Card from American Express

On website

SimplyCash Preferred Card from American Express

Balance transfer

N/A

Purchase rate

21.99% p.a. ongoing

Annual fee

$119.88 p.a. ongoing

Highlights

  • Get a 10% cashback bonus on all purchases (up to $2,000 in spending) during your first 3 months. Plus, receive a $50 statement credit when you make a purchase in month 13. This offers up to $250 in bonus value within your first 13 months. Terms and Conditions apply.
  • Earn 4% cashback on gas and grocery.
  • Earn 2% cashback on other eligible transactions.

Pros

  • Earn generous cash back when you meet the eligibility requirements.
  • No fee when you get an additional card.
  • Includes Travel coverage and Mobile coverage.

Cons

  • There is a $9.99 monthly fee.
KOHO Essential Prepaid Mastercard

On website

KOHO Essential Prepaid Mastercard

Balance transfer

N/A

Purchase rate

N/A

Annual fee

$48.00 p.a. ongoing

Highlights

  • 0% interest rate.
  • Enjoy an affordable $48 annual fee (comes with a 30-day free trial).
  • Earn 1% cashback on groceries, bills & services, eating & drinking.

Pros

  • No credit check required.
  • Earn 0.25% cashback on all other purchases
  • Get up to 5% additional cashback with KOHO merchant partners.
  • Optional Credit Building for $7/month
  • You can earn 1.5% interest on your balance. 

Cons

  • There is a 1.5% foreign transaction fee.
  • Since it is a prepaid card, you need to fund the account to use the card.
Walmart Rewards World Mastercard

Walmart Rewards World Mastercard

Balance transfer

N/A

Purchase rate

19.89% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • No annual fee.
  • Earn 3% cashback when you shop at Walmart.ca
  • Earn 1.25% cashback at gas stations and any Walmart store in Canada.
  • Earn 1% cashback on all other purchases.

Bank promo

  • Get up to $25 in bonus Walmart Reward Dollars. Terms and Conditions apply.

Pros

  • Earn 3% cashback when you shop at Walmart.ca
  • Includes Fraud Protection, Free Extended Warranty Plan and Free Purchase Assurance.
  • $0 p.a. annual fee.

Cons

  • You can only spend your reward dollars at Walmart Canada.
Walmart Rewards Mastercard

Walmart Rewards Mastercard

Balance transfer

N/A

Purchase rate

19.89% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • No annual fee.
  • Earn 1.25% cashback when you shop at Walmart.
  • Earn 1% cashback on gas and all other purchases.

Bank promo

  • Get up to $25 in bonus Walmart Reward Dollars. Terms and Conditions apply.

Pros

  • Earn Walmart Reward Dollars on all your purchases.
  • $0 p.a. annual fee.
  • Addional cards at no extra cost.

Cons

  • You can only spend your reward dollars at Walmart Canada.
BMO CashBack World Elite Mastercard

Apply by 31 May 2024

BMO CashBack World Elite Mastercard

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Get up to 10% cashback on eligible purchases in the first 3 months. Terms and Conditions apply.
  • $0 annual fee on the first year ($120 thereafter).
  • Earn 5% cashback on grocery purchases, 4% cashback on transit transactions such as ride-sharing and/or taxis, 3% on gas, 2% recurring bill payments and 1% cashback on all other purchases.

Pros

  • Comes with Purchase Protection and an Extended Warranty.
  • Travel and Medical Protection.
  • Includes concierge service.
  • Get up to 25% off rentals at National Car Rental and Alamo Rent-A-Car.

Cons

  • The annual fee reverts to $120 after the initial year.
Scotia Momentum Visa Infinite Card

Apply by October 31, 2024

Scotia Momentum Visa Infinite Card

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Earn 10% cashback on all purchases for the first 3 months (up to $2,000 in total purchases).
  • No annual fee for the first year, including supplementary cards ($120 and $50 p.a. respectively thereafter).
  • Earn cashback on groceries, recurring payments, gas, and everything else.

Pros

  • Generous cashback rate in the first 3 months.
  • No annual fee in the first year.
  • Includes travel, flight delay, lost baggage, and other insurances.

Cons

  • The $120 p.a. annual fee after the initial year.
Tangerine Money-Back Credit Card

Tangerine Money-Back Credit Card

Balance transfer

6 months at 1.95% p.a.

Purchase rate

19.95% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • 1.95% p.a. for 6 months on balance transfers (3% balance transfer fee applies). Reverts to cash advance rate of 19.95% p.a.
  • Earn 2% Money-Back Rewards on your everyday purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all your other everyday purchases.
  • Get your Rewards deposited into your Tangerine Savings Account and get a 3rd 2% Money-Back Category.
  • No limit on the amount of Money-Back Rewards you can earn on your everyday purchases. Conditions apply.

Pros

  • Get up to 2% cashback on 2 categories (up to 3 categories if you open a Tangerine Savings Account).
  • $0 annual fee.
  • Up to 21 interest-free days.

Cons

  • There is a 3% balance transfer fee.
TD Cash Back Visa Card

TD Cash Back Visa Card

Balance transfer

N/A

Purchase rate

19.99% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • Earn 1% in cash back on eligible grocery purchases, gas purchases, and regularly recurring bill payments set up on your account.
  • $0 annual fee for primary and additional cardholders.
  • Earn 0.5% in cash back on all other purchases.

Pros

  • Earn 50% more stars at participating Starbucks stores.
  • Get a minimum of 10% off the lowest available base rates at Avis Rent A Car.
  • Compatible with Apple Pay and Samsung Pay,

Cons

  • There is no signup bonus for this card at the moment.