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.
Ranked by price: which Canadian grocery chains offer the lowest everyday prices in 2025.
Canadian grocery prices vary significantly between store formats. The same basket of 20 common items can cost $40–$60 more at a premium banner than at a discount format. Here's the ranking from cheapest to most expensive for typical grocery baskets:
| Rank | Store | Format | Average Savings vs Premium | Loyalty Program |
|---|---|---|---|---|
| 1 | No Frills | Discount (Loblaws group) | 20–30% | PC Optimum |
| 2 | FoodBasics | Discount (Metro group) | 20–28% | None |
| 3 | FreshCo | Discount (Sobeys group) | 18–25% | Scene+ |
| 4 | Walmart Supercenter | Mass market | 15–25% | None (Walmart Rewards) |
| 5 | Costco | Warehouse / bulk | 15–30% (bulk savings) | Executive Cashback |
| 6 | Real Canadian Superstore | Superstore (Loblaws) | 10–18% | PC Optimum |
| 7 | Save-On-Foods | Mid-tier (BC/AB/MB) | 5–15% | More Rewards |
| 8 | Sobeys / Safeway | Full service | Baseline | Scene+ |
| 9 | Metro / Dominion | Full service | Baseline | None (air miles) |
| 10 | Loblaws / Zehrs | Full service | Baseline | PC Optimum |
No Frills is consistently the cheapest major grocery chain in Ontario, Manitoba, and Saskatchewan. The bare-bones format (no fancy displays, minimal staff, bring-your-own bags) keeps costs low. No Frills earns PC Optimum points — making it the only discount-format store with a valuable loyalty program.
FreshCo is Sobeys' discount banner operating in Ontario, BC, Alberta, and Saskatchewan. Prices are comparable to No Frills, with strong fresh produce sections and Scene+ point earning.
FreshCo's strength is its multicultural food selection — larger ethnic food aisles than most discount stores, making it popular in diverse urban communities. Strong produce quality for the price point.
Walmart Supercenter locations carry a full grocery section at prices competitive with or slightly above discount grocery chains. The advantage: Walmart allows you to combine groceries with household goods, clothing, and electronics in one trip — reducing overall spending through fewer impulse stops at other stores.
Walmart's grocery prices are typically 5–15% cheaper than full-service banners like Sobeys or Metro, but often 5–10% more than No Frills or FoodBasics on identical items. Walmart does not have a loyalty program in Canada (the Walmart Rewards card was discontinued).
Walmart Canada offers a price match guarantee in-store and online. They'll match any local competitor's advertised price, including digital flyers shown on Flipp.
Costco membership ($65/year Gold Star, $120/year Executive) provides access to warehouse-format grocery pricing that can be 20–40% below retail on staples. The savings are real for large families — but require storage space and discipline to avoid food waste.
The Executive membership ($120/year) gives 2% cash back on all Costco purchases. A family spending $500/month at Costco earns $120/year in rewards — exactly covering the membership fee. Spending more makes it positive ROI.
| Province/Region | Cheapest Option | Runner-Up |
|---|---|---|
| Ontario | No Frills | FoodBasics / Walmart |
| British Columbia | FreshCo | Walmart / H-Mart (produce) |
| Alberta | FreshCo / Walmart | No Frills (limited locations) |
| Quebec | Maxi (Loblaws) | IGA/FoodBasics |
| Atlantic Canada | FoodBasics / FreshCo | Walmart |
| Saskatchewan/Manitoba | No Frills | Superstore / Walmart |
Bank fees add up fast. KOHO offers free banking with no monthly fees and no minimum balance — the perfect foundation for a frugal financial life. Use code BREMO2026 for a bonus.
Open KOHO Free — Code BREMO2026