4 Excellent Grocery Credit Cards of 2025
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If you're a frequent grocery shopper, you'll want a credit card that maximizes rewards on your essential food purchases. Below, you will find a list of the best credit cards tailored to various grocery shopping needs, ensuring you get the most value from your regular trips to the supermarket. These cards offer competitive cash back rates, bonus categories, and additional perks specifically designed for grocery spending.
Best Overall Grocery Card
Our choice for: Highest rewards on groceries & dining
MBNA Rewards World Elite® Mastercard®
MBNA Rewards World Elite® Mastercard®
go to MBNA's website
Welcome Bonus*
Up to 30,000 points ($245 in cash back value or $300 when redeemed for MBNA Travel)††
Rewards Rate*
1x - 5x Points
Annual Fee*
$120
Interest Rates
19.99%* / 24.99%*
The MBNA Rewards World Elite® Mastercard® is one of the best reward credit cards in Canada, offering high rewards on frequently spent categories such as groceries and restaurant purchases. The annual birthday bonus, unique to this card, also provides a significant boost to your yearly earnings. Additionally, the card features a comprehensive list of benefits, including price protection—a rare and valuable perk not found with many other cards in Canada. These factors make this card one of the best to have in Canada.
Pros
- Both restaurants and groceries, two of the most commonly spent categories, earn the most rewards.
- The MBNA rewards world elite mastercard offers a great annual birthday bonus with up to $150 in value.
- A solid list of travel insurance and benefits.
- Price protection, a rare feature not offered by many other cards.
- Good value for many of the card's redemption options.
Cons
- Trip cancellation and interruption insurance, two great benefits are missing from this card.
- Not the best card for gas purchases.
Rewards*
- Earn 5 points‡ for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category.
- 1 point‡ for every $1 on all other eligible purchases.
- Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points the Account earned in the 12 months before the month of the primary cardholder's birthday, to a maximum Birthday Bonus each year of 15,000 Points.
Insurance*
Coverage*
Mobile Device Insurance
$1000
Purchase Protection
Up to 90 days
Extended Warranty
Up to a year.svg)
Car Rental Damage & Theft
31 days
Flight Delay
$500/person after 4 hours
Travel Accident
$1,000,000
Emergency Out of province Medical
$2M for 21 days
Lost or Stolen Baggage
$1000/personBaggage Delay
$1000/person
Benefits*
Details*
Annual Birthday Bonus
10% of the Points earned the 12 months prior to the primary cardholder's birthday month (up to a max 15,000 bonus points per year)
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car in Canada and US and 5% internationally
Trip and legal Assistance
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Concierge Services
Price Protection
$500/item, $1000/account per year
Eligibility*
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
This card is not only the best for grocery purchases, but we have actually awarded it as one of the best overall credit cards in Canada too! Massive earnings on groceries and restaurant purchases (up to 5% cashback equivalent). 10% birthday reward on top of all your rewards accumulated. One of the only cards with price protection benefit (for some items, if you purchase and the price goes down, you can get compensated for it). With a comprehensive list of insurances. The small annual fee of the card is more than offset with the great rewards this card provides.
Best Overall No Annual Fee Cashback Grocery Card
Neo World Mastercard®
Neo World Mastercard®
3.5
go to Neo Financial's website
Welcome Bonus
N/A
Rewards Rate
0.5% - 4% cashback
Annual Fee
$0
Interest Rates
19.99% - 29.99% (or 19.99% - 23.99% in Newfoundland and Quebec)□ / 22.99% - 31.99%
This card offers balanced rewards for everyday purchases and with the cash back boost of up to 4% on groceries, it can easily beat most other no fee cash back credit cards as long as you're willing to keep 10k in a Neo everyday account. There's a secured version of this card too which would be beneficial for those wanting to build credit and earn a very high cash back at the same time at only $5/month.
Pros
- High cash back rate of 4% on grocery spending but only if you keep at least 10k in a Neo every day account
- Additional cash back earning at over 10,000 Neo partners
Cons
- Basic insurance coverage
- Cash back spend caps can limit your rewards
Rewards
- 2% cash back on grocery purchases up to $1,000 spending per month (3% cash back if you have $5k in a Neo everyday account, or 4% cash back with $10k in a Neo everyday account) - drops to the 0.5-1% cash back tier after hitting spend cap
- 2% cash back on EV charging and gas purchases up to $1,000 spending per month (3% cash back if you have $5k in a Neo everyday account, or 4% cash back with $10k in a Neo everyday account) - drops to the 0.5-1% cash back tier after hitting spend cap
- 2% cash back on recurring purchases up to $500 spending per month (3% cash back if you have $5k in a Neo everyday account, or 4% cash back with $10k in a Neo everyday account) - drops to the 0.5-1% cash back tier after hitting spend cap
- 0.5% cash back on all other purchases up to $2,500 spending per month (1% cash back if you have $10k in a Neo everyday account)
- 5% average cash back at Neo Partners
Note: our reward calculations use the base cash back rates assuming you do not hold any money in a Neo everyday account to earn the higher tier (boosted) cash back rates, otherwise the reward estimates may be higher.
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
1 year
Eligibility
Credit Score
GoodAnnual Income
$50,000 personal or $80,000 household
If you are looking for a decent cashback card to make your grocery purchases with, look no further. Great value for a no-fee credit card.
Best No Annual Fee Grocery Card with benefits
Tangerine World Mastercard
Tangerine World Mastercard
4.6
go to Tangerine's website
Welcome Bonus
10% Cash Back (up to $100 value) + 1.95% balance transfer promo rate for 6 months
Rewards Rate
0.5% - 2%
Annual Fee
$0
Interest Rates
20.95%* / 22.95%*
While we think Tangerine World Mastercard isn't the best single credit card to own, it's still a valuable card to have in your arsenal for maximizing your rewards. It offers one of the highest cashback rates for pharmacy and recurring bill payments, areas where your other credit cards might not provide significant rewards. For no annual fees
Pros
- Allows you to change the categories, and you get a 2% reward depending on how your spending is changing every 90 days.
- 2% cashback on recurring Transactions and pharmacy purchases. One of the highest cashback rates on these categories among credit cards in Canada.
- Has cashback on Furniture and Home Improvement categories. Two categories that are not covered by any other card in Canada.
- Overall, it is a good no-annual-fee cashback credit card, especially if you have a Tangerine Savings account.
- A few benefits such as free DragonPass for lounge access, Boingo Wi-Fi, and insurances like mobile insurance and car rental theft and damage insurance.
Cons
- With these income and credit score requirements, there are cards with no annual fees that offer much higher rewards and benefits.
- Very low cashback rate on the other categories not selected.
Rewards
- 2% on the choice of two categories chosen from the 10 offered by Tangerine (Grocery, Restaurants, Gas, Entertainment, Furniture, Hotel-Motel, Drug Store, Reoccurring Bill Payments, Home Improvement, Public Transportation and Parking).
- Have your cash back Reward deposited in a Tangerine Savings Account and get a third 2% Money-Back Category.
- 0.5% cashback on all other credit card purchases.
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
Up to a yearMobile Device Insurance
$1000Car Rental Damage & Theft
31 days
Benefits
Details
Airport Lounge - Dragon Pass
Pass only. No Complimentary visits!
Boingo Wi-Fi hotspot
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
While this card earns a decent amount on dining, it doesn't beat the previously mentioned card in that category; however, it has a more balanced reward program which covers groceries and gas too.
Best Overall Grocery Card rewards focused
BMO CashBack® World Elite® Mastercard®
BMO CashBack® World Elite® Mastercard®
4.1
go to BMO's website
Welcome Bonus*
Get up to $335 in additional cash back**
Rewards Rate*
1% - 5%
Annual Fee*
$120 $0
Interest Rates
21.99% / 23.99%□
If you're seeking a cashback credit card, the BMO CashBack® World Elite® Mastercard® stands out for its excellent balance between rewards and benefits. It offers a robust rewards program and a comprehensive benefits list, making it a solid choice. The high first-year value is enhanced by the annual fee waiver, and those with a BMO Premium Chequing Account can enjoy continued fee waivers. While it's highly ranked for rewards alone, it may not be the absolute top choice if benefits are less important to you.
Pros
- Offers one of the highest cashbacks on groceries and gas, two of the most frequently spent categories, compared to other credit cards in Canada.
- Includes roadside assistance, a rare but valuable benefit for people on the road.
- Provides a comprehensive list of insurance coverage and benefits.
- High first-year value.
Cons
- Does not include restaurant purchases as a reward category, which is one of the most important spending categories.
- Monthly limits on cash back could be higher
Rewards*
- 5% cash back on groceries (capped at $500 spending per statement, maximum of $25 in cashback per statement cycle)
- 4% cash back on daily transit (capped at $300 spending per statement, maximum of $12 in cashback per statement cycle)
- 3% cash back on gas (capped at $300 spending per statement, maximum of $9 in cashback per statement cycle)
- 2% cash back on recurring payments (capped at $500 spending per statement, maximum of $10 in cashback per statement cycle)
- 1% cash back on all other eligible purchases.
Insurance*
Coverage*
Emergency Out of province Medical
$5M up to 8 days per covered personTravel Accident
$500,000Flight Delay
$500 After 4 hours delayLost or Stolen Baggage
$500/person, $1,000 maximumBaggage Delay
$500/person, $1,000 maximum After 6 hours
Hotel Burglary Insurance
$1,000Car Rental Damage & Theft
$65K MSRP up to 48 daysPurchase Protection
90 daysExtended Warranty
1 year
Benefits*
Details*
Airport Lounge - Dragon Pass
Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit.
Roadside Assistance
Including battery boosts, flat-tire change, lockout service and towing – a $69/year value.Car Rental Discount
Save up to 20% on National Car Rental® and Alamo Rent A Car® and up to 5% on Enterprise Rent-A-Car® at locations worldwide using the Car Rental Booking tool
Hotel Booking Discount
Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada.
Global Data Roaming plan
With FlexiRoam, stay connected around the world without a SIM card and get up to 15% off a Global Data Roaming plan plus up to 3GB of data, without any additional charges, if apply..svg)
Gas Discount
Get up to 7 cents off per litre on Shell® fuel, only for BMO cardholders.
Eligibility*
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
If you want a card solely to maximize your grocery purchases and don't care much about other purchase types, this card is great. Also, the first year annual fee is waived, so you can try this card without paying any fees at the start.