Comparison by use

Best credit card for groceries

Rewards on grocery purchases. 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

Choose a use

Reference amounts for this use

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

  • Moderate — $7,000 / year
  • Standard — $10,500 / year
  • High — $18,000 / year

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

Carte IQ ranking

Best cards for groceries

1 Top Carte IQ pick
American Express Cobalt Card — American Express Canada

American Express Cobalt Card

American Express Canada · American Express

  • Groceries
  • Transferable points
Use-case value
$525
Annual fees
$191.88
Annual net value
$333.12
View card
2 Alternative
Cash Back World Elite Mastercard — Desjardins

Cash Back World Elite Mastercard

Desjardins · Mastercard

  • Groceries
  • Cashback
Use-case value
$405
Annual fees
$100
Annual net value
$305
View card
3 Alternative
SimplyCash Preferred Card from American Express — American Express Canada

SimplyCash Preferred Card from American Express

American Express Canada · American Express

  • Groceries
  • Cashback
Use-case value
$420
Annual fees
$119
Annual net value
$301
View card
3 cards compared with the same assumptions. Based on $10,500 per year at the standard spending level in Quebec.

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