PayperWIZ

Which credit card pays the most on dining in Canada?

Of the cards whose terms were read off the issuer, Scotiabank Gold American Express (Scotiabank) publishes the highest rate on dining in Canada: 3.33% (this rate covers the first CAD 50,000 of spending a year; CAD 120 a year). This is a ranking of published rates, not a recommendation to apply.

This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.

2 read cards · Canada · dining

The answer, from 2 read cards

Highest published rate on the whole category first. What limits each rate is printed beside it, because it is usually what decides whether the rate is real.

Read cards in Canada by their published rate on dining, with what limits each one.
#ReturnCard
13.33%Scotiabank Gold American ExpresscheckedScotiabank · CAD 120 a year · checked 16 Sep 2026this rate covers the first CAD 50,000 of spending a year
22.00%CIBC Dividend Visa InfinitecheckedCIBC · CAD 120 a year · checked 16 Sep 2026
How these were worked out. Only cards whose rates a person read off the issuer's own published terms are ranked here; 6 other cards in the catalogue publish a rate on dining that nobody has yet read off the issuer, and are not listed here at all. Points and miles are valued at the redemption rate the programme publishes, the rate anyone can take rather than the best one after a transfer. A rate that covers only part of dining — one chain of shops, one kind of merchant — is shown with what it covers and is not ranked, because it is not what the card pays on dining.

The right card depends on what you have already spent.

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says whether it was read off the issuer, and none is made up.

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Other kinds of spending in Canada