Across the board, credit cards offer different earning rates for various categories of spend. This means that in theory, you can always optimize the credit card you use for each purchasing category to earn the maximum amount of credit card rewards. If you are so inclined to hold a variety of credit cards, that is.
For Canadians, the same concept applies to any restaurant or dining purchases. There are many credit cards that provide additional rewards when they are used at vendors that fall into these categories. With that in mind, let’s take a look at the best credit cards for restaurant and dining purchases in Canada.
The Value of a Credit Card That Earns Maximum Rewards on Dining Out Purchases
When it comes to credit card rewards, I am of the mindset that you don’t need to optimize for every specific category, but instead, focus your optimization on the categories in which you tend to spend the most each month. For most people, this will often be groceries and dining out.
If groceries are a major category of spending for you, we would recommend looking into the best credit cards for grocery purchases. Furthermore, many credit cards overlap with grocery and dining earning rate bonuses, as we will touch on below.
Whether you are collecting miles and points or are simply interested in some additional cash back in your wallet, maximizing the rewards that you earn from dining purchases is a great way to optimize your personal finance goals to ensure you are generating a greater return from your spending.
Summary of the Best Credit Cards for Restaurants in Canada
| Credit Card | ||
|---|---|---|
 |
45,000 Scene+ points and $150 FlyerFunds Estimated value: $600 Ends Jul 1, 2026 |
|
 |
30,000 MBNA Rewards points and $100 FlyerFunds Estimated value: $400 |
|
 |
15,000 Membership Rewards points and $50 FlyerFunds Estimated value: $350 |
|
 |
$120 cash back and $200 FlyerFunds Estimated value: $320 Ends Apr 30, 2026 |
|
 |
10,000 MBNA Rewards points and $75 FlyerFunds Estimated value: $175 |
|
 |
$100 cash back and $60 FlyerFunds Estimated value: $160 |
|
 |
None and $50 FlyerFunds Estimated value: $50 |
|
Best Credit Cards for Dining Out With Annual Fees
If you are looking to hold one of the best credit cards in Canada for restaurant and dining out purchases, the following options are the best cards to add to your wallet.
However, they all come with an annual fee of varying amounts. As is typical in the credit card space, the more premium cards do offer better benefits but are paired with higher annual fees.
American Express Cobalt Card
The American Express Cobalt card earns 5 Membership Rewards points on all restaurant, food delivery, and grocery purchases.
This card has a welcome bonus of up to 15,000 Membership Rewards points with a monthly fee of $12.99.
The American Express Cobalt® Card gives cardholders the opportunity to earn 5x Membership Rewards on eligible restaurant, food delivery, and grocery store purchases in Canada. With the American Express Membership Rewards® program, it makes for an everyday credit card.
See our American Express Cobalt Card Review for an in-depth review of this card.
Earn when you apply through Frugal Flyer.
15,000 Membership Rewards points
$9,000
$350+
$191.88
Yes
–
While this card does earn a stellar amount of Membership Rewards points on all dining purchases, it does have a monthly category spending cap of $2,500. This shouldn’t impact many cardholders, but if you do have a significant amount of restaurant or grocery spend each month, ensure you are not going over the limit as you will only receive 1 Membership Rewards point per dollar spent after reaching the cap.
American Express Membership Rewards points are one of the most flexible currencies as they have many frequent flyer and hotel loyalty program transfer partners, making them one of the best currencies for booking award travel.
Scotiabank Gold American Express Card
The Scotiabank Gold American Express card earns 5 Scene+ points on all restaurants, fast food, drinking establishments, grocery, food delivery services, food box subscriptions, and eligible entertainment purchases (including movies, theatre, and ticket agencies).
This card has a welcome bonus of up to 45,000 Scene+ points and an annual fee of $120.
The Scotiabank Gold American Express Card earns up to 6x Scene+ points at Empire grocery stores and charges no foreign exchange fees on purchases made in foreign currencies.
See our Scotiabank Gold American Express Card Review for an in-depth review of this card.
Earn when you apply through Frugal Flyer.
45,000 Scene+ points
$7,500
$600+
$120
No
Jul 1, 2026
While the card earns 5x and 3x Scene+ bonus points multipliers on a number of categories, this is only true up to a combined total of $50,000 during a calendar year. Upon reaching the $50,000 threshold, all purchases will earn 1 Scene+ point per dollar spent. That being said, $50,000 is a generous annual limit so this may not be applicable for many potential cardholders.
Scene+ points are worth 1 cent per point and are easily redeemed for popular options such as groceries and travel expenses. Additionally, the Scotiabank Gold American Express card is one of the few credit cards in Canada that offers no foreign transaction fees which will save you 2.5% on all foreign currency purchases.
MBNA Rewards World Elite Mastercard
The MBNA Rewards World Elite Mastercard earns 5 MBNA Rewards points for every dollar spent on restaurant, grocery, digital media, memberships, and household utility purchases.
This card has a welcome bonus of up to 30,000 MBNA Rewards points and an annual fee of $120.
The MBNA Rewards World Elite Mastercard earns 5x MBNA Rewards points on restaurant, grocery, digital media, memberships, and household utility purchases.
See our MBNA Rewards World Elite Mastercard Review for an in-depth review of this card.
Earn when you apply through Frugal Flyer.
30,000 MBNA Rewards points
$2,000
$400+
$120
Yes
–
For each category that earns 5 MBNA Rewards points per dollar spent, there is an annual cap of $50,000. This means that once you spend $50,000 on restaurant purchases in a year, you will no longer earn 5 MBNA Rewards points per dollar spent but instead will receive 1 MBNA Rewards point per dollar spent.
MBNA Rewards points are worth 1 cent per point when redeemed towards travel, which is the best redemption option for getting the most out of your points.
Best Credit Cards for Dining Out Without Annual Fees
If you are hesitant to hold a credit card that has annual fees, there are a number of good options that still offer rewards at an accelerated rate for all dining purchases made on the card.
Simplii Financial Cash Back Visa Card
The Simplii Financial Cash Back Visa card earns 4% cash back on purchases at restaurants, bars, and coffee shops. This card has a welcome bonus of up to $100 cash back.
The Simplii Financial Cash Back Visa card earns 4% cash back on purchases at restaurants, bars, and coffee shops on up to $5,000 in spending per calendar year.
See our Simplii Financial Cash Back Card Review for an in-depth review of this card.
Earn when you apply through Frugal Flyer.
$100 cash back
$500
$160+
$0
Yes
–
The only drawback to this earning rate is that it has an annual spending cap of up to $5,000. This means if you spend more than $5,000 in a calendar year at restaurants, bars, and coffee shops, your earning rate will drop to 0.5% cash back on all eligible purchases past that threshold.
This makes the Simplii Financial Cash Back Visa card a great option for those who have a reasonable amount of restaurant spending in a calendar year while still looking to maximize their rewards from all restaurant purchases. Cash back is automatically redeemed at the end of the calendar year as a statement credit.
MBNA Rewards Platinum Plus Mastercard
The MBNA Rewards Platinum Plus Mastercard earns 2 MBNA Rewards points on every dollar spent on restaurant, grocery, digital media, memberships, and household utility purchases. This card has a welcome bonus of up to 10,000 MBNA Rewards points.
The MBNA Rewards Platinum Plus Mastercard earns 2x MBNA Rewards points on restaurant, grocery, digital media, memberships, and household utility purchases.
Earn when you apply through Frugal Flyer.
10,000 MBNA Rewards points
$500
$175+
$0
Yes
–
For each category that earns 2 MBNA Rewards points per dollar spent, there is an annual cap of $10,000. This means that once you spend $10,000 on restaurant purchases in a year, you will no longer earn 2 MBNA Rewards points per dollar spent but instead will receive 1 MBNA Rewards point per dollar spent.
Rogers Red Mastercard
The Rogers Red Mastercard is a good option for those who are Rogers, Fido, and Shaw postpaid customers as cardholders will earn 2% cash back on all purchases.
With the Rogers Red Mastercard, Rogers, Fido, Shaw, and Comwave postpaid consumer customers can earn 2% cash back on all eligible purchases and get a 1.5x redemption bonus on eligible Rogers, Fido, Shaw, and Comwave purchases – a 3% cash back value.
See our Rogers Red Mastercard Review for an in-depth review of this card.
Earn when you apply through Frugal Flyer.
$0 cash back
$0
$50+
$0
Yes
–
Redeeming earned cash back on the Rogers Red Mastercard is simple as cash back can be redeemed in minimum increments of $10. Those cardholders who are Rogers, Fido, or Shaw postpaid customers can receive a 1.5x redemption bonus on Rogers, Fido, and Shaw purchases – a 3% cash back value.
Tangerine Money-Back World Mastercard
The Tangerine Money-Back World Mastercard earns 2% cash back on three money-back categories of your choice which can include restaurants. This card has a welcome bonus of up to $120 cash back.
The Tangerine Money-Back World Mastercard offers cardholders the ability to choose up to three accelerated spending categories to increase their cash back earnings.
See our Tangerine Money-Back World Mastercard Review for an in-depth review of this card.
Earn when you apply through Frugal Flyer.
$120 cash back
$1,500
$320+
$0
Yes
Apr 30, 2026
Cardholders are able to select three categories in which they will receive the elevated 2% cash back. These categories include grocery, furniture, restaurants, hotel/motel, gas, recurring bill payments, drug store, home improvement, entertainment, and public transport/parking. There are no annual spending caps on any of these categories.
Money-back rewards that are earned on the Tangerine Money-Back World Mastercard are paid monthly. The cash back will be issued either as a statement credit on the credit card account or as a deposit to a Tangerine savings account, depending on the cardholder’s preference.
Conclusion
If you dine out often, holding a credit card that rewards these purchases is a great way to earn additional rewards for no additional effort. Whether you are dining as a couple or perhaps you are the person who pays the restaurant bill and has their friends e-Transfer them, looking for opportunities to maximize bonus rewards will only serve to benefit you in the long term.
Josh Bandura
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