Merchants • Grocery

Best Credit Cards for Loblaws

Among the cards CardTruth has reviewed, the BMO CashBack World Elite Mastercard earns the most at Loblaws: 5% back, worth 5% of what you spend. Compare the top two →

Cards accepted

In store
Visa and Mastercard
Online
Visa and Mastercard

Loblaw grocery banners don't accept American Express.

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. BMO CashBack World Elite MastercardBy merchant code · Spending cap applies
    5%5% back
  2. CIBC Dividend Visa Infinite CardCategory match · Spending cap applies
    4%4% back
  3. PC Insiders World Elite MastercardNamed in the card's terms
    4%4% back
  4. Scotia Momentum Visa Infinite+ CardBy merchant code · Spending cap applies
    4%4% back
  5. BMO eclipse Visa Infinite CardCategory match · Spending cap applies
    ≈3.35%5x points
  6. BMO eclipse Visa Infinite Privilege CardCategory match · Spending cap applies
    ≈3.35%5x points
  7. BMO CashBack MastercardBy merchant code · Spending cap applies
    3%3% back
  8. BMO VIPorter World Elite MastercardCategory match · Spending cap applies
    ≈3%2x points
  9. CIBC Aeroplan Visa Infinite CardCategory match · Spending cap applies
    ≈3%1.5x points
  10. CIBC Aeroplan Visa Infinite Privilege CardCategory match · Spending cap applies
    ≈3%1.5x points
Show all 67 personal cardsShow fewer
  1. CIBC Dividend Platinum Visa CardCategory match · Spending cap applies
    3%3% back
  2. PC World Elite MastercardNamed in the card's terms
    3%3% back
  3. RBC Cash Back Preferred World Elite MastercardBy merchant code
    3%3% back
  4. Student BMO CashBack MastercardBy merchant code · Spending cap applies
    3%3% back
  5. TD Aeroplan Visa Infinite CardBy merchant code · Spending cap applies
    ≈3%1.5x points
  6. TD Aeroplan Visa Infinite Privilege CardBy merchant code · Spending cap applies
    ≈3%1.5x points
  7. TD Cash Back Visa Infinite CardBy merchant code · Spending cap applies
    3%3% back
  8. TD First Class Travel Visa Infinite CardBy merchant code · Spending cap applies
    ≈3%6x points
  9. RBC Avion Visa Infinite PrivilegeBase rate
    ≈2.25%1.25x points
  10. TD Platinum Travel Visa CardBy merchant code · Spending cap applies
    ≈2.25%4.5x points
  11. RBC ION+ VisaBy merchant code
    ≈2.13%3x points
  12. CIBC Aeroplan Visa CardCategory match · Spending cap applies
    ≈2%1x points
  13. CIBC Aeroplan Visa Card for StudentsCategory match · Spending cap applies
    ≈2%1x points
  14. CIBC Aventura Visa Infinite Privilege CardCategory match · Spending cap applies
    ≈2%2x points
  15. CIBC Dividend Visa CardCategory match · Spending cap applies
    2%2% back
  16. CIBC Dividend Visa Card for StudentsCategory match · Spending cap applies
    2%2% back
  17. PC World MastercardNamed in the card's terms
    2%2% back
  18. RBC Cash Back MastercardBy merchant code
    2%2% back
  19. Scotia Momentum Visa CardBy merchant code · Spending cap applies
    2%2% back
  20. Scotia Momentum Visa Card (for students)By merchant code · Spending cap applies
    2%2% back
  21. Scotiabank Passport Visa Infinite+ CardCategory match · Spending cap applies
    ≈2%2x points
  22. TD Aeroplan Visa Platinum CardBy merchant code · Spending cap applies
    ≈2%1x points
  23. Wealthsimple Visa Infinite + Credit CardBase rate
    2%2% back
  24. Wealthsimple Visa Infinite Privilege Credit CardBase rate
    2%2% back
  25. WestJet RBC World Elite MastercardBy merchant code
    ≈2%2x points
  26. RBC Avion Visa InfiniteBase rate
    ≈1.8%1x points
  27. RBC Avion Visa PlatinumBase rate
    ≈1.8%1x points
  28. BMO eclipse rise Visa CardCategory match · Spending cap applies
    ≈1.68%2.5x points
  29. BMO VIPorter MastercardCategory match · Spending cap applies
    ≈1.5%1x points
  30. CIBC Aventura Gold Visa CardCategory match · Spending cap applies
    ≈1.5%1.5x points
  31. CIBC Aventura Visa Infinite CardCategory match · Spending cap applies
    ≈1.5%1.5x points
  32. RBC British Airways Visa InfiniteBase rate
    ≈1.5%1x points
  33. TD Rewards Visa CardBy merchant code · Spending cap applies
    ≈1.5%3x points
  34. BMO Blue Rewards World Elite MastercardCategory match · Spending cap applies
    ≈1.34%2x points
  35. RBC ION VisaBy merchant code
    ≈1.07%1.5x points
  36. CIBC Aventura Visa CardCategory match · Spending cap applies
    ≈1%1x points
  37. CIBC Aventura Visa Card for StudentsCategory match · Spending cap applies
    ≈1%1x points
  38. CIBC Costco MastercardBase rate
    1%1% back
  39. PC MastercardCategory match
    1%1% back
  40. Scotia Momentum Mastercard Credit CardCategory match
    1%1% back
  41. Scotia Momentum No-Fee Visa CardBy merchant code · Spending cap applies
    1%1% back
  42. Scotia Momentum No-Fee Visa Card (for students)By merchant code · Spending cap applies
    1%1% back
  43. Scotiabank Passport Visa Infinite Privilege CardBase rate
    ≈1%1x points
  44. Scotiabank Scene+ Visa CardBase rate
    ≈1%1x points
  45. Scotiabank Scene+ Visa Card (for students)Base rate
    ≈1%1x points
  46. ScotiaGold Passport Visa CardBase rate
    ≈1%1x points
  47. TD Cash Back Visa CardBy merchant code · Spending cap applies
    1%1% back
  48. WestJet RBC MastercardBase rate
    ≈1%1x points
  49. CIBC Adapta MastercardBase rate
    ≈0.83%1x points
  50. CIBC Adapta Mastercard for StudentsBase rate
    ≈0.83%1x points
  51. moi RBC VisaBase rate
    ≈0.8%1x points
  52. RBC U.S. Dollar Visa GoldBase rate
    ≈0.71%1x points
  53. BMO Ascend World Elite MastercardBase rate
    ≈0.67%1x points
  54. BMO Blue Rewards MastercardCategory match · Spending cap applies
    ≈0.67%1x points
  55. More Rewards RBC Visa InfiniteBase rate
    ≈0.6%4x points
  56. CIBC U.S. Dollar Aventura Gold Visa CardBase rate
    ≈0.5%0.5x points
  57. More Rewards RBC VisaBase rate
    ≈0.45%3x points

American Express cards aren't accepted at Loblaws, so they're not listed.

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.