PayperWIZ

Which credit card pays the most on groceries in Canada?

Of the cards whose terms were read off the issuer, CIBC Dividend Visa Infinite (CIBC) publishes the highest rate on groceries in Canada: 4.00% (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 · groceries

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 groceries, with what limits each one.
#ReturnCard
14.00%CIBC Dividend Visa InfinitecheckedCIBC · CAD 120 a year · checked 16 Sep 2026
24.00%Scotia Momentum Visa InfinitecheckedScotiabank · CAD 120 a year · checked 16 Sep 2026this rate covers the first CAD 25,000 of spending a year; the terms say: Earn 4% cash back at merchants classified as Grocery Stores (MCC 5411) in the Visa network, up to $25,000 annual spend. The 4% and 2% rates share one annual spend limit of CAD 25,000. Once it is reached the card pays its regular 1% on everything for the rest of the year. Source: scotiabank.com Momentum Visa Infinite page, read 16 Sep 2026.

Rates on part of groceries

These read cards pay on groceries only at the places named. They are not ranked above, because the number is not what the card pays on groceries anywhere else.

ReturnCard
4.00%Scotiabank Gold American ExpresscheckedScotiabank · CAD 120 a year · checked 16 Sep 2026only at listed grocery stores; this rate covers the first CAD 50,000 of spending a year
How these were worked out. Only cards whose rates a person read off the issuer's own published terms are ranked here; 13 other cards in the catalogue publish a rate on groceries 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 groceries — 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 groceries.

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.

Download on the App Store Every category in Canada

Other kinds of spending in Canada