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Ranking · Updated September 2026

Best Credit Cards for Restaurants in Canada

Maximize rewards when dining out. Compare cards with 2–5x points or 3–4% cash back at restaurants and food delivery.

3
cards
Best Cards1st Yr FreeCash BackTravelGroceriesGas & EVBusinessLow Interest
National Bank World Elite Mastercard
National Bank World Elite® Mastercard®
National BankNBC RewardsFirst-Year Annual Fee Rebate
Annual fee
$0 $150

No annual fee the first year

Our valuation
$300

Milesopedia first-year estimateFirst-year valueAnnual fee rebated$150Annual credit$150Total$300Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.

Welcome offer
First Year Annual Fee Rebate

$150 annual fee rebated

Ends Nov 4, 2026

Apply Now

on Banque Nationale's website

Features
Issuer
National Bank
Network
Loyalty Program
NBC Rewards
Fees and terms
Annual Fee
$150/yr
Min. annual income
$80,000+
Read full review
Rewards
Rate
Restaurants
5x
Groceries
5x
Travel
2x
Bills & recurring payments
2x
Gas & EV
2x
Read full review
Scotiabank Gold American Express Card
Scotiabank Gold American Express® Card
ScotiaScene+
Annual fee
$120
Our valuation
$500

Milesopedia first-year estimateFirst-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.

Welcome offer
Up to 50,000 points

Ends Nov 1, 2026

Apply Now

on Scotiabank's website

Features
Issuer
Scotia
Network
Loyalty Program
Scene+
Fees and terms
Annual Fee
$120/yr
Min. annual income
$12,000+
Read full review
Rewards
Rate
Groceries
5x
Entertainment
5x
Restaurants
5x
Streaming
3x
Transit
3x
Gas & EV
3x
Read full review
American Express Cobalt Card
American Express Cobalt® Card
AmexAmex Membership Rewards
Annual fee
$191.88
Our valuation
$255

Milesopedia first-year estimateFirst-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.

Welcome offer
Up to 15,000 points
Apply Now

on American Express Canada's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

Features
Issuer
Amex
Network
Loyalty Program
Amex Membership Rewards
Fees and terms
Annual Fee
$191.88/yr ($15.99/mo)
Min. annual income
—
Read full review
Rewards
Rate
Restaurants
5x
Groceries
5x
Convenience
5x
Streaming
3x
Transit
2x
Gas & EV
2x
Read full review
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