Merchants • Grocery

Best Credit Cards for Save-On-Foods

Among the cards CardTruth has reviewed, the American Express Cobalt Card earns the most at Save-On-Foods: 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

A More Rewards partner: the More Rewards RBC Visa 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. American Express Cobalt CardCategory match · Spending cap applies
    ≈10%5x points
  2. BMO CashBack World Elite MastercardBy merchant code · Spending cap applies
    5%5% back
  3. Scotiabank Gold American Express CardCategory match · Spending cap applies
    ≈5%5x points
  4. American Express Gold Rewards CardCategory match
    ≈4%2x points
  5. CIBC Dividend Visa Infinite CardCategory match · Spending cap applies
    4%4% back
  6. Scotia Momentum Visa Infinite+ CardBy merchant code · Spending cap applies
    4%4% back
  7. SimplyCash Preferred Card from American ExpressCategory match · Spending cap applies
    4%4% back
  8. BMO eclipse Visa Infinite CardCategory match · Spending cap applies
    ≈3.35%5x points
  9. BMO eclipse Visa Infinite Privilege CardCategory match · Spending cap applies
    ≈3.35%5x points
  10. BMO CashBack MastercardBy merchant code · Spending cap applies
    3%3% back
Show all 80 personal cardsShow fewer
  1. BMO VIPorter World Elite MastercardCategory match · Spending cap applies
    ≈3%2x points
  2. CIBC Aeroplan Visa Infinite CardCategory match · Spending cap applies
    ≈3%1.5x points
  3. CIBC Aeroplan Visa Infinite Privilege CardCategory match · Spending cap applies
    ≈3%1.5x points
  4. CIBC Dividend Platinum Visa CardCategory match · Spending cap applies
    3%3% back
  5. RBC Cash Back Preferred World Elite MastercardBy merchant code
    3%3% back
  6. Student BMO CashBack MastercardBy merchant code · Spending cap applies
    3%3% back
  7. TD Aeroplan Visa Infinite CardBy merchant code · Spending cap applies
    ≈3%1.5x points
  8. TD Aeroplan Visa Infinite Privilege CardBy merchant code · Spending cap applies
    ≈3%1.5x points
  9. TD Cash Back Visa Infinite CardBy merchant code · Spending cap applies
    3%3% back
  10. TD First Class Travel Visa Infinite CardBy merchant code · Spending cap applies
    ≈3%6x points
  11. American Express Aeroplan Reserve CardBase rate
    ≈2.5%1.25x points
  12. RBC Avion Visa Infinite PrivilegeBase rate
    ≈2.25%1.25x points
  13. TD Platinum Travel Visa CardBy merchant code · Spending cap applies
    ≈2.25%4.5x points
  14. RBC ION+ VisaBy merchant code
    ≈2.13%3x points
  15. American Express Aeroplan CardBase rate
    ≈2%1x points
  16. American Express Green CardBase rate
    ≈2%1x points
  17. CIBC Aeroplan Visa CardCategory match · Spending cap applies
    ≈2%1x points
  18. CIBC Aeroplan Visa Card for StudentsCategory match · Spending cap applies
    ≈2%1x points
  19. CIBC Aventura Visa Infinite Privilege CardCategory match · Spending cap applies
    ≈2%2x points
  20. CIBC Dividend Visa CardCategory match · Spending cap applies
    2%2% back
  21. CIBC Dividend Visa Card for StudentsCategory match · Spending cap applies
    2%2% back
  22. RBC Cash Back MastercardBy merchant code
    2%2% back
  23. Scotia Momentum Visa CardBy merchant code · Spending cap applies
    2%2% back
  24. Scotia Momentum Visa Card (for students)By merchant code · Spending cap applies
    2%2% back
  25. Scotiabank American Express CardCategory match · Spending cap applies
    ≈2%2x points
  26. Scotiabank American Express Card (for students)Category match · Spending cap applies
    ≈2%2x points
  27. Scotiabank Passport Visa Infinite+ CardCategory match · Spending cap applies
    ≈2%2x points
  28. Scotiabank Platinum American Express CardBase rate
    ≈2%2x points
  29. SimplyCash Card from American ExpressCategory match · Spending cap applies
    2%2% back
  30. TD Aeroplan Visa Platinum CardBy merchant code · Spending cap applies
    ≈2%1x points
  31. The Platinum Card from American ExpressBase rate
    ≈2%1x points
  32. Wealthsimple Visa Infinite + Credit CardBase rate
    2%2% back
  33. Wealthsimple Visa Infinite Privilege Credit CardBase rate
    2%2% back
  34. WestJet RBC World Elite MastercardBy merchant code
    ≈2%2x points
  35. Marriott Bonvoy American Express CardBase rate
    ≈1.8%2x points
  36. RBC Avion Visa InfiniteBase rate
    ≈1.8%1x points
  37. RBC Avion Visa PlatinumBase rate
    ≈1.8%1x points
  38. BMO eclipse rise Visa CardCategory match · Spending cap applies
    ≈1.68%2.5x points
  39. BMO VIPorter MastercardCategory match · Spending cap applies
    ≈1.5%1x points
  40. CIBC Aventura Gold Visa CardCategory match · Spending cap applies
    ≈1.5%1.5x points
  41. CIBC Aventura Visa Infinite CardCategory match · Spending cap applies
    ≈1.5%1.5x points
  42. RBC British Airways Visa InfiniteBase rate
    ≈1.5%1x points
  43. TD Rewards Visa CardBy merchant code · Spending cap applies
    ≈1.5%3x points
  44. BMO Blue Rewards World Elite MastercardCategory match · Spending cap applies
    ≈1.34%2x points
  45. More Rewards RBC Visa InfiniteNamed in the card's terms
    ≈1.2%8x points
  46. RBC ION VisaBy merchant code
    ≈1.07%1.5x points
  47. CIBC Aventura Visa CardCategory match · Spending cap applies
    ≈1%1x points
  48. CIBC Aventura Visa Card for StudentsCategory match · Spending cap applies
    ≈1%1x points
  49. CIBC Costco MastercardBase rate
    1%1% back
  50. PC Insiders World Elite MastercardBase rate
    1%1% back
  51. PC MastercardCategory match
    1%1% back
  52. PC World Elite MastercardBase rate
    1%1% back
  53. PC World MastercardBase rate
    1%1% back
  54. Scotia Momentum Mastercard Credit CardCategory match
    1%1% back
  55. Scotia Momentum No-Fee Visa CardBy merchant code · Spending cap applies
    1%1% back
  56. Scotia Momentum No-Fee Visa Card (for students)By merchant code · Spending cap applies
    1%1% back
  57. Scotiabank Passport Visa Infinite Privilege CardBase rate
    ≈1%1x points
  58. Scotiabank Scene+ Visa CardBase rate
    ≈1%1x points
  59. Scotiabank Scene+ Visa Card (for students)Base rate
    ≈1%1x points
  60. ScotiaGold Passport Visa CardBase rate
    ≈1%1x points
  61. TD Cash Back Visa CardBy merchant code · Spending cap applies
    1%1% back
  62. WestJet RBC MastercardBase rate
    ≈1%1x points
  63. CIBC Adapta MastercardBase rate
    ≈0.83%1x points
  64. CIBC Adapta Mastercard for StudentsBase rate
    ≈0.83%1x points
  65. moi RBC VisaBase rate
    ≈0.8%1x points
  66. More Rewards RBC VisaNamed in the card's terms
    ≈0.75%5x points
  67. RBC U.S. Dollar Visa GoldBase rate
    ≈0.71%1x points
  68. BMO Ascend World Elite MastercardBase rate
    ≈0.67%1x points
  69. BMO Blue Rewards MastercardCategory match · Spending cap applies
    ≈0.67%1x points
  70. CIBC U.S. Dollar Aventura Gold Visa CardBase rate
    ≈0.5%0.5x points

Business cards

  1. American Express Aeroplan Business Reserve CardBase rate
    ≈2.5%1.25x points
  2. Business Platinum Card from American ExpressBase rate
    ≈2.5%1.25x points
  3. American Express Business Gold Rewards CardBase rate
    ≈2%1x points
  4. Marriott Bonvoy Business American Express CardBase 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.