Best Credit Cards for Groceries and Gas in Canada

The best credit card for groceries and gas in Canada is the Scotia Momentum Visa Infinite + Card, at 4% on groceries and 2% on gas. The BMO CashBack World Elite Mastercard pays more if your grocery bill is $500 a month or less, and the PC World Elite Mastercard is the best no-fee pick for Loblaw and Esso shoppers. Caps and store coding matter as much as the headline rate, so we compare both below. Figures are as of September 2026; confirm them with the issuer before you apply.

Which Canadian credit card earns the most on groceries and gas?

For a typical family budget the Scotia Momentum earns the most after its fee, because its 4% grocery rate runs up to $25,000 a year. BMO pays a higher 5% but only on the first $500 of groceries each statement period, and TD pays 3% on both categories.

How we picked

We ranked cards on what they return on grocery and gas spending after the annual fee, using each issuer's published rates and caps as of September 2026. We also looked at which stores count, since a bonus rate only helps if your usual grocery store and gas station code into the right category. Income requirements and foreign transaction fees were tie-breakers.

How do the caps change the winner?

Caps decide the winner once your grocery bill passes about $500 a month. Here is what a family spending $1,000 a month on groceries and $250 on gas would earn in a year at listed rates, before welcome offers:

• Scotia Momentum Visa Infinite +: $480 on groceries at 4% and $60 on gas at 2%, for $540, or $420 after the $120 fee.
• BMO CashBack World Elite: 5% on the first $500 of groceries each period earns $300, plus $60 at 1% on the rest, and gas earns $90 at 3%, for $450, or $330 after the $120 fee.
• TD Cash Back Visa Infinite: 3% on both earns $360 plus $90, for $450, or $311 after the $139 fee.
• PC World Elite Mastercard: if every grocery dollar is spent at Loblaw banners and you fill up at Esso, you earn about 420,000 points, worth $420 in store at PC Financial's rate of $10 per 10,000 points, with no fee. The gas figure assumes $1.50 a litre.
• American Express Cobalt and Scotiabank Gold Amex: these earn points, not cash. The Cobalt would earn 66,000 Membership Rewards points on this budget, and the Gold Amex 69,000 Scene+ points at its 5x and 3x rates. What those are worth depends on how you redeem.

Drop the grocery bill to $500 a month and BMO pulls ahead of the Scotia Momentum on groceries, earning $300 against $240. Push it well above $1,000 and the Momentum's higher cap matters even more.

The best grocery and gas cards, reviewed

Scotia Momentum Visa Infinite + Card

This is the best pick for most families. Scotiabank pays 4% on groceries and recurring bills and 2% on gas, EV charging, transit, rideshare and food delivery, with each tier capped at $25,000 of spending a year. The fee is $120, and Scotiabank's page currently shows no annual fee in the first year.

The catch is the income requirement: $60,000 to $80,000 or more personal, or $100,000 to $150,000 or more household.

BMO CashBack World Elite Mastercard

BMO pays 5% on the first $500 of groceries each statement period, 3% on the first $300 of gas and EV charging, and 4% on the first $300 of transit, then 1%. That makes it the best card for smaller households whose grocery spending sits at or below the cap. Our review also rates its travel insurance and roadside assistance.

The catch is the caps, plus a $120 fee and an income requirement of $80,000 personal or $150,000 household. BMO's current offer waives the first-year fee for new accounts applied for by October 31, 2026.

TD Cash Back Visa Infinite Card

TD pays 3% on groceries, gas and EV charging, transit, recurring bills and streaming, and each 3% category allows up to $15,000 of purchases a year. It is simple and predictable if your gas spending is high.

The catch is the $139 fee, which is higher than rivals paying more on groceries, although TD's page currently shows a first-year fee rebate. TD asks for $60,000 personal or $100,000 household income.

American Express Cobalt Card

The Cobalt earns 5 Membership Rewards points per $1 at stand-alone grocery stores, restaurants, coffee shops and on food delivery in Canada, up to a combined $2,500 of purchases a month. Amex lists 2 points per $1 at stand-alone gas stations and on local transit. The fee is charged monthly and totals C$155 a year in our review.

The catch is acceptance, since Amex is taken at fewer places than Visa or Mastercard, and the grocery rate only applies at stand-alone grocery stores.

Scotiabank Gold American Express Card

This card earns 5x Scene+ points on groceries, dining and entertainment and 3x on gas and transit, and Scotiabank's page shows 6x at Sobeys, Safeway, FreshCo and Foodland. It is the only grocery pick here with no foreign transaction fee, and its minimum income is $12,000.

The catch is Amex acceptance and the need to redeem Scene+ points well. Accelerated rates apply to the first $50,000 of eligible purchases a year.

PC World Elite Mastercard (no-fee pick)

If you already shop at Loblaws, No Frills, Real Canadian Superstore or Maxi and buy gas at Esso or Mobil, this no-fee card earns 30 PC Optimum points per $1 on groceries and at least 30 points per litre on fuel. It requires $80,000 personal or $150,000 household income. See our PC Financial page.

The catch is that other grocery stores and gas stations earn only 10 points per $1.

What counts as a grocery or gas purchase?

A purchase counts when the merchant's category code matches the card's rules, not when you happen to buy food. Amex's Cobalt terms, for example, limit the 5x rate to stand-alone grocery stores, and BMO defines gas as merchants coded as service stations, automated fuel dispensers or EV charging. A big-box store or a pharmacy that sells groceries may not qualify, so check how your usual store codes before you choose a card around it.

Delivery can count too. The Cobalt's 5x category includes businesses whose main line is delivering food and groceries in Canada, and the Scotia Momentum pays 2% on food delivery. If you order groceries online, check which category the delivery service falls under.

If you are comparing cash back across all categories, not just food and fuel, see our guide to the best cash back credit cards in Canada.

Who should skip these cards?

• Households spending under about $500 a month on groceries and bills. A no-fee card may earn nearly as much; see our guide to the best no annual fee credit cards in Canada.
• Anyone who carries a balance. Interest above 20% a year cancels 3% to 5% back within a few months.
• People below the income thresholds, which reach $80,000 personal for the BMO and PC World Elite cards.
• Amex-only wallets, since some grocers and gas stations do not accept American Express.