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Best Credit Cards for Restaurants in Canada - October 2026

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

National Bank World Elite Mastercard
National Bank World Elite® Mastercard®
National BankNBC RewardsFirst-Year Annual Fee Rebate
Annual feeNo annual fee the first year
$0 $150
Our valuationMilesopedia first-year estimate First-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.
$300
Welcome offer$150 annual fee rebated
First Year Annual Fee Rebate
Ends Nov 4, 2026
Apply Now

on National Bank'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
Gas & EV
2x
Bills & recurring payments
2x
Travel
2x
Read full review
Scotiabank Gold American Express Card
Scotiabank Gold American Express® Card
ScotiaScene+
Annual fee
$120
Our valuationMilesopedia first-year estimate First-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.
$500
Welcome offerAfter $7,500 in 12 months
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
With the partner brand
6x
Groceries
5x
Entertainment
5x
Restaurants
5x
Gas & EV
3x
Streaming
3x
Transit
3x
Read full review
American Express Cobalt Card
American Express Cobalt® Card
AmexAmex Membership Rewards
Annual fee
$191.88
Our valuationMilesopedia first-year estimate First-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.
$255
Welcome offerGet 1,250 points after $750 in purchases per month for 12 months
Up to 15,000 points
Apply Now

on American Express's website

Apply 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
Streaming
3x
Transit
2x
Gas & EV
2x
Read full review
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