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Updated March 2025

Best Credit Cards for Groceries Canada 2025

Grocery spending is one of the largest household budget categories in Canada. The right credit card can earn you 3 to 5% back on every trip to Loblaws, Sobeys, Metro, or Costco. Here are the best grocery cards for 2025.

Top Picks for 2025

Ranked by overall value — rates, fees, features, and Canadian-specific benefits.

KOHO Note: KOHO earns 2% cashback on groceries on the Extra plan ($9/month) plus up to 5% at Boost partners. With $1,000/month in grocery spending, that's $200–$500 back monthly. Get $100 bonus with code BREMO2026.

1
BMO CashBack World Elite Mastercard
5% on groceries (up to $500/month), 4% on transit, 2% on recurring

Bonus/Welcome: 5% on all purchases for first 3 months, up to $200

Pros: 5% grocery rate is best available, travel insurance

Cons: $120 fee, $500/month grocery cap

Annual Fee$120/year
Earn Rate5% on groceries (up
2
CIBC Dividend Visa Infinite
4% on groceries and gas combined, 2% on EV, 1% everywhere

Bonus/Welcome: 100% for first 4 months

Pros: 4% on groceries, respectable fee, travel insurance

Cons: Grocery and gas combined limit

Annual Fee$99/year
Earn Rate4% on groceries and
3
KOHO Extra
2% on groceries, dining, transit

Bonus/Welcome: $100 cash bonus (BREMO2026)

Pros: $100 bonus, no FX fees, no credit check, credit builder

Cons: Not a traditional credit card

Annual Fee$9/month ($108/year)
Earn Rate2% on groceries, din
4
PC Financial World Elite Mastercard
45 PC Optimum points per $1 at Loblaws/Shoppers (= 4.5% value)

Bonus/Welcome: 20,000 PC Optimum points welcome

Pros: Effectively 4.5% at Loblaws stores, no annual fee

Cons: Only at PC banner stores (Loblaws, Real Canadian Superstore, Shoppers)

Annual Fee$00 with $800K income
Earn Rate45 PC Optimum points
5
Tangerine Money-Back (Groceries category)
2% on groceries when selected as category

Bonus/Welcome: 2% in all categories for first 3 months

Pros: No fee, flexible category selection

Cons: Only 2%, limited to 2–3 categories total

Annual Fee$00
Earn Rate2% on groceries when
6
RBC Cash Back Mastercard
2% at grocery stores, 1% on gas

Bonus/Welcome: Welcome offers available

Pros: No fee, 2% at grocery stores

Cons: Lower rate vs. fee-based alternatives

Annual Fee$00
Earn Rate2% at grocery stores

No fee everyday banking

Set up direct deposit and skip the monthly fee. Free to open, and the Easy plan has no monthly fee. Worth doing if you will actually move your pay or your CRA deposits over, not if the card sits unused. Code BREMO2026.

See how it works

Get $120 with KOHO

$100 Cash Bonus

No credit check required. Earn cashback + interest. Canada's best everyday spending account.

BREMO2026


Claim Your $100 →

Frequently Asked Questions

What credit card gives the most cashback on groceries in Canada?
BMO CashBack World Elite gives 5% on groceries up to $500/month — the highest grocery rate available. For no-fee options, PC Financial World Elite gives 4.5% at Loblaws stores. CIBC Dividend Visa Infinite offers 4% at any grocery store with a $99 annual fee.
Does Costco accept credit cards in Canada?
Costco Canada accepts Mastercard only — no Visa or Amex. The best strategy at Costco is a Mastercard with flat cashback. Rogers Mastercard (1.5% everywhere) or BMO CashBack World Elite (if Costco qualifies as grocery) work well at Costco.
Are grocery credit card rewards worth the annual fee?
Let's calculate: At BMO CashBack World Elite ($120/year), earning 5% on $800/month in groceries = $480/year in cashback. Net benefit: $480 – $120 = $360/year profit. For high grocery spenders, absolutely worth it.
What stores count as groceries for credit card cashback?
Most cards define grocery stores as standalone supermarkets (Loblaws, Sobeys, Metro, Safeway, IGA, No Frills, Food Basics). Some cards include Walmart Supercentre grocery sections; others don't. Gas stations with small food sections typically don't count. Check your specific card's merchant category codes.