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★ STORE MATCHER · LIVE ★ Pick where you shop. Get the card. 6 grocery chains. 6 different best-cards. Tap any store to see the optimal pairing.
🛒 Loblaws 🥑 Sobeys 📦 Costco Wholesale 🛍 Walmart Supercentre 🍅 Metro 🥬 Save-On-Foods
YOU SHOP AT
Loblaws / Superstore / No Frills 🛒 →
★ OPTIMAL CARD PC Financial Mastercard 4.5x PC Optimum
EFFECTIVE RATE 4.5%
ANNUAL FEE $0
Pure points play — 30 PC pts/$1 spent. Doubles up with Shoppers Drug Mart (same PC Optimum).
NO-LOYALTY BACKUP BMO CashBack World Elite (5% any grocery, $500/mo cap)
★ ANNUAL SAVINGS · LIVE ★ Type your weekly grocery spend See exactly how much each card earns you over a year (welcome bonus + ongoing rewards, net of fee).
🥇
Scotia Scene+ Visa Inf (Sobeys) 6.0% earn · $120/yr fee
$442 net /yr · 1st yr $692
🥈
PC Financial MC (Loblaws) 4.5% earn · $0/yr fee
$421 net /yr · 1st yr $521
🥉
CIBC Dividend Visa Infinite 4.0% earn · $120/yr fee
$254 net /yr · 1st yr $654
#4
Amex SimplyCash Preferred 4.0% earn · $120/yr fee
$254 net /yr · 1st yr $504
#5
BMO CashBack World Elite 5.0% earn · $139/yr fee
$195 net /yr · 1st yr $395
#6
Tangerine Money-Back (no-fee) 2.0% earn · $0/yr fee
$187 net /yr · 1st yr $287
★ 6 TOP GROCERY CARDS · DETAILED ★
Earn rates, store affiliations, fine print PCF PC Financial Mastercard PC Financial · $0/yr
LOBLAWS LOYALISTS 4.5% on PC OPTIMUM stores
WELCOME 25,000 pts
30 pts/$1 at Loblaws/Superstore/No Frills/Shoppers · pts redeem at 1¢ in-store
Apply → SCN Scotia Scene+ Visa Infinite Scotiabank · $120/yr
SOBEYS / IGA / FRESHCO 6% on SOBEYS GROUP STORES
WELCOME $250
6x Scene+ at Empire-owned grocers (Sobeys, IGA, FreshCo, Safeway, Foodland)
Apply → BMO BMO CashBack World Elite BMO · $139/yr
BIG-CART GROCERY SHOPPERS 5% on ANY GROCERY ($500/mo cap)
WELCOME $200
Cap kicks in fast at $500/mo · works at any grocery chain · $80k income required
Apply → CIB CIBC Dividend Visa Infinite CIBC · $120/yr
UNCAPPED 4% · ALL CHAINS 4% on GROCERIES + GAS
WELCOME $400
No monthly cap (shared $80k annual cap) · works at any grocery store
Apply → COB Amex Cobalt American Express · $156/yr
EARN-MAX · POINTS PLAY 5x on GROCERIES + DINING (MR pts)
WELCOME $1000
5x MR pts on groceries & dining (~5%+ value) · monthly $12.99 fee · Amex acceptance gap
Apply → TGM Tangerine Money-Back Tangerine · $0/yr
NO-FEE STARTER 2% on PICK GROCERY AS 1 OF 3
WELCOME $100
Free card · pick groceries as one of your 3 chosen 2% categories · no income minimum
Apply → YOUR QUESTIONS
Grocery cards · straight answers What's the highest grocery earn rate in Canada? − Scotiabank Scene+ Visa Infinite gives 6x Scene+ at Sobeys-group stores (IGA, FreshCo, Safeway, Foodland) — effective 6%, the highest in Canada. For other grocery chains, BMO CashBack World Elite (5%) and Amex Cobalt (5x MR ~5%+) tie for second. The catch: Scene+ 6x is store-specific; Cobalt and BMO work everywhere but have caps. Why does Costco only accept Mastercard? + Should I get a store-specific card or a general grocery card? + Do grocery caps actually matter for my family? + PC Optimum vs Scene+ vs Amex MR — which loyalty is best? + What about subscriptions like Amazon Fresh or Instacart? + Do I get cash back on tax / deposits / bottle returns? + How fast does PC Optimum points add up? +