PayperWIZ

Which credit card pays the most on pharmacy in Canada?

Of the cards whose terms were read off the issuer, Scotia Momentum Visa (Scotiabank) publishes the highest rate on pharmacy in Canada: 2.00% (this rate covers the first CAD 25,000 of spending a year; the terms say: 2% at drugstores and pharmacies (MCC 5912). Shares one $25,000 yearly allowance with every 2% category; then 1%.; CAD 49 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 · pharmacy

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 pharmacy, with what limits each one.
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12.00%Scotia Momentum VisacheckedScotiabank · CAD 49 a year · checked 28 Oct 2026this rate covers the first CAD 25,000 of spending a year; the terms say: 2% at drugstores and pharmacies (MCC 5912). Shares one $25,000 yearly allowance with every 2% category; then 1%.
21.50%Simplii Financial Cash Back VisacheckedSimplii Financial · no annual fee · checked 28 Oct 2026this rate covers only the first CAD 15,000 of spending; the terms say: 1.5% at drugstores and pharmacies. Shares one $15,000 yearly allowance across gas, grocery, drugstore and pre-authorized payments; then 0.5%.

Rates on part of pharmacy

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

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2.00%Tangerine Money-Back World MastercardcheckedTangerine · no annual fee · checked 28 Oct 2026only at if chosen as a 2% category: drug store
How these were worked out. Only cards whose rates a person read off the issuer's own published terms are ranked here; 1 other card in the catalogue publishes a rate on pharmacy that nobody has yet read off the issuer, and is 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 pharmacy — 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 pharmacy.

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