Comparison by use

Best credit card for restaurants and food delivery

Dining out and food delivery. The ranking below applies the same published spending scenario to every eligible card; change the spending level or the American Express policy to see the matching Top 3.

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Your use

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Reference amounts for this use

Each level uses an amount suited to the selected use instead of a profile’s full annual budget.

  • Moderate — $2,400 / year
  • Standard — $4,000 / year
  • High — $6,500 / year

The ranking applies the same amount to every card compared within a given level.

Carte IQ ranking

Best cards for restaurants and food delivery

1 Top Carte IQ pick
CIBC Costco Mastercard — CIBC

CIBC Costco Mastercard

CIBC · Mastercard

  • Restaurants and food delivery
  • Cashback
Use-case value
$80
Annual fees
$0
Annual net value
$80
View card
2 Alternative
RBC ION+ Visa — RBC

RBC ION+ Visa

RBC · Visa

  • Restaurants and food delivery
  • Transferable points
Use-case value
$120
Annual fees
$48
Annual net value
$72
View card
3 Alternative
Cash Back Mastercard — Desjardins

Cash Back Mastercard

Desjardins · Mastercard

  • Restaurants and food delivery
  • Cashback
Use-case value
$50
Annual fees
$0
Annual net value
$50
View card
3 cards compared with the same assumptions. Based on $4,000 per year at the standard spending level in Quebec.

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