Merchants • Grocery

Best Credit Cards for FreshCo

Among the cards CardTruth has reviewed, the American Express Cobalt Card earns the most at FreshCo: 5x points, worth ≈10% of what you spend. Compare the top two →

Cards accepted

In store
Visa, Mastercard and American Express
Online
Visa, Mastercard and American Express

An Empire banner: Scotiabank's Scene+ cards earn their higher grocery rate here.

How purchases code (MCC)

  • 5411Grocery stores and supermarketsCommonly reported

A purchase's code is set by the merchant's payment processor and card network, not by your card, and it can differ by location, network and over time (American Express classifies merchants itself). Your statement shows how a purchase actually coded. Last verified October 2026.

Personal cards accepted in store

  1. Amex CobaltCategory match · Spending cap applies
    ≈10%5x points
  2. Scotia Gold AmexNamed in the card's terms · Spending cap applies
    ≈6%6x points
  3. BMO CashBack World EliteBy merchant code · Spending cap applies
    5%5% back
  4. Amex GoldCategory match
    ≈4%2x points
  5. CIBC Dividend Visa InfiniteCategory match · Spending cap applies
    4%4% back
Show all 80 personal cardsShow fewer
  1. Momentum Infinite+By merchant code · Spending cap applies
    4%4% back
  2. Amex SimplyCash PreferredCategory match · Spending cap applies
    4%4% back
  3. BMO eclipse Visa InfiniteCategory match · Spending cap applies
    ≈3.35%5x points
  4. BMO eclipse Visa Infinite PrivilegeCategory match · Spending cap applies
    ≈3.35%5x points
  5. BMO CashBack MastercardBy merchant code · Spending cap applies
    3%3% back
  6. BMO VIPorter World EliteCategory match · Spending cap applies
    ≈3%2x points
  7. CIBC Aeroplan Visa InfiniteCategory match · Spending cap applies
    ≈3%1.5x points
  8. CIBC Aeroplan Visa Infinite PrivilegeCategory match · Spending cap applies
    ≈3%1.5x points
  9. CIBC Dividend Platinum VisaCategory match · Spending cap applies
    3%3% back
  10. RBC Cash Back PreferredBy merchant code
    3%3% back
  11. Scotiabank AmexNamed in the card's terms · Spending cap applies
    ≈3%3x points
  12. Scotiabank Amex (Student)Named in the card's terms · Spending cap applies
    ≈3%3x points
  13. Scotia Passport Infinite+Named in the card's terms · Spending cap applies
    ≈3%3x points
  14. BMO CashBack Mastercard (Student)By merchant code · Spending cap applies
    3%3% back
  15. TD Aeroplan InfiniteBy merchant code · Spending cap applies
    ≈3%1.5x points
  16. TD Aeroplan PrivilegeBy merchant code · Spending cap applies
    ≈3%1.5x points
  17. TD Cash Back InfiniteBy merchant code · Spending cap applies
    3%3% back
  18. TD First Class TravelBy merchant code · Spending cap applies
    ≈3%6x points
  19. Amex Aeroplan ReserveBase rate
    ≈2.5%1.25x points
  20. RBC Avion PrivilegeBase rate
    ≈2.25%1.25x points
  21. TD Platinum TravelBy merchant code · Spending cap applies
    ≈2.25%4.5x points
  22. RBC ION+By merchant code
    ≈2.13%3x points
  23. Amex Aeroplan CardBase rate
    ≈2%1x points
  24. Amex GreenBase rate
    ≈2%1x points
  25. CIBC Aeroplan VisaCategory match · Spending cap applies
    ≈2%1x points
  26. CIBC Aeroplan Visa (Student)Category match · Spending cap applies
    ≈2%1x points
  27. CIBC Aventura Visa Infinite PrivilegeCategory match · Spending cap applies
    ≈2%2x points
  28. CIBC Dividend VisaCategory match · Spending cap applies
    2%2% back
  29. CIBC Dividend Visa (Student)Category match · Spending cap applies
    2%2% back
  30. RBC Cash Back MCBy merchant code
    2%2% back
  31. Momentum VisaBy merchant code · Spending cap applies
    2%2% back
  32. Momentum Visa (Student)By merchant code · Spending cap applies
    2%2% back
  33. Scotia Platinum AmexBase rate
    ≈2%2x points
  34. Scotia Scene+ VisaNamed in the card's terms
    ≈2%2x points
  35. Scotia Scene+ Visa (Student)Named in the card's terms
    ≈2%2x points
  36. Amex SimplyCashCategory match · Spending cap applies
    2%2% back
  37. TD Aeroplan PlatinumBy merchant code · Spending cap applies
    ≈2%1x points
  38. Amex PlatinumBase rate
    ≈2%1x points
  39. WS Visa Infinite+Base rate
    2%2% back
  40. WS Visa Infinite PrivilegeBase rate
    2%2% back
  41. WestJet World EliteBy merchant code
    ≈2%2x points
  42. Marriott Bonvoy AmexBase rate
    ≈1.8%2x points
  43. RBC Avion InfiniteBase rate
    ≈1.8%1x points
  44. RBC Avion PlatinumBase rate
    ≈1.8%1x points
  45. BMO eclipse rise VisaCategory match · Spending cap applies
    ≈1.68%2.5x points
  46. BMO VIPorter MastercardCategory match · Spending cap applies
    ≈1.5%1x points
  47. CIBC Aventura Gold VisaCategory match · Spending cap applies
    ≈1.5%1.5x points
  48. CIBC Aventura Visa InfiniteCategory match · Spending cap applies
    ≈1.5%1.5x points
  49. RBC British AirwaysBase rate
    ≈1.5%1x points
  50. TD Rewards VisaBy merchant code · Spending cap applies
    ≈1.5%3x points
  51. BMO Blue Rewards World EliteCategory match · Spending cap applies
    ≈1.34%2x points
  52. RBC IONBy merchant code
    ≈1.07%1.5x points
  53. CIBC Aventura VisaCategory match · Spending cap applies
    ≈1%1x points
  54. CIBC Aventura Visa (Student)Category match · Spending cap applies
    ≈1%1x points
  55. CIBC Costco MastercardBase rate
    1%1% back
  56. PC Insiders World Elite MastercardBase rate
    1%1% back
  57. PC MastercardCategory match
    1%1% back
  58. PC World Elite MastercardBase rate
    1%1% back
  59. PC World MastercardBase rate
    1%1% back
  60. Momentum MastercardCategory match
    1%1% back
  61. Momentum No-Fee VisaBy merchant code · Spending cap applies
    1%1% back
  62. Momentum No-Fee (Student)By merchant code · Spending cap applies
    1%1% back
  63. Scotia Passport PrivilegeBase rate
    ≈1%1x points
  64. ScotiaGold PassportBase rate
    ≈1%1x points
  65. TD Cash Back VisaBy merchant code · Spending cap applies
    1%1% back
  66. WestJet RBC MCBase rate
    ≈1%1x points
  67. CIBC Adapta MastercardBase rate
    ≈0.83%1x points
  68. CIBC Adapta Mastercard (Student)Base rate
    ≈0.83%1x points
  69. moi RBC VisaBase rate
    ≈0.8%1x points
  70. RBC U.S. Dollar GoldBase rate
    ≈0.71%1x points
  71. BMO Ascend World EliteBase rate
    ≈0.67%1x points
  72. BMO Blue Rewards MastercardCategory match · Spending cap applies
    ≈0.67%1x points
  73. More Rewards InfiniteBase rate
    ≈0.6%4x points
  74. CIBC USD Aventura Gold VisaBase rate
    ≈0.5%0.5x points
  75. More Rewards VisaBase rate
    ≈0.45%3x points

Business cards

  1. Amex Aeroplan Business ReserveBase rate
    ≈2.5%1.25x points
  2. Amex Business PlatinumBase rate
    ≈2.5%1.25x points
  3. Amex Business Gold RewardsBase rate
    ≈2%1x points
Show all 4 business cardsShow fewer
  1. Marriott Bonvoy Business AmexBase rate
    ≈1.8%2x points

Values are cash-back equivalents: percentage rates as stated, and points at CardTruth's estimated point value (each teardown's Points & Redemption section explains it). Rates come from each card's terms; welcome offers aren't included. Confirm current rates with the issuer before you rely on them.