Grocery credit cards

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

By   |   Verified by David Boyd   |   Updated 5th August 2022

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Comparing grocery credit cards

American Express Cobalt Card

American Express Cobalt Card

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Annual fee

$155.88 p.a. ongoing

Highlights

  • Earn up to 30,000 Membership Rewards points. In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in purchases on your Card.
  • Earn 5X the points on eligible eats & drinks, 2X the points on eligible travel & transit, 1 point per $1 spent on everything else.
  • Enjoy perks, bonus rewards, and access to great events as an American Express Cobalt Cardmember.

Pros

  • Earn up to 30,000 points when you meet the criteria.
  • Earn 2X the points on eligible transit & gas purchases in Canada.
  • Enjoy benefits at over 600 participating hotels and resorts in over 30 countries.

Cons

  • $155.88 is slightly higher than the average annual fee.
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 6 December 2022

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.
Scotia Momentum Visa Infinite Card

Apply by 31 August 2022

Scotia Momentum Visa Infinite Card

Balance transfer

6 months at 2.99% p.a.

Purchase rate

6 months at 2.99% p.a.

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). Terms and Conditions apply.
  • 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

  • Earn 10% cashback on all purchases for 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.