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Best for: Overall value
5.0Ratesopedia rating

It comes with a welcome bonus of 170,000 points. You earn 1x on groceries and 2x at restaurants. Estimated first-year value is $2,560.

Best of Month
Annual Fee
$799
Rewards rate
1x

Amex Membership Rewards

Welcome Bonus
170,000 points
1st Year Value
$2,560

Pros

  • Welcome bonus of 170,000 points
  • 2x at restaurants
  • Estimated 1st-year value of $2,560

Cons

  • High annual fee ($799)
Best for: 1st Yr Fee Rebate
5.0Ratesopedia rating

The BMO VIPorter World Elite Mastercard offers a first year annual fee rebate (regular fee $199/yr). It comes with a welcome bonus of 70,000 points. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $1,644.

1st Yr Fee Rebate
Annual Fee
$199 $0
Rewards rate
1x

Porter VIPorter

Welcome Bonus
70,000 points

Ends Jun 30, 2026

1st Year Value
$1,644

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of 70,000 points
  • 2x on groceries
  • 2x at restaurants

Cons

  • High annual fee ($199)
  • Requires good credit
Best for: Overall value
5.0Ratesopedia rating

It comes with a welcome bonus of 60,000 Avios. You earn 2x on groceries and 2x at restaurants. Estimated first-year value is $1,349.

Best of Month
Annual Fee
$165
Rewards rate
1x

British Airways Club

Welcome Bonus
60,000 Avios
1st Year Value
$1,349

Pros

  • Welcome bonus of 60,000 Avios
  • 2x on groceries
  • 2x at restaurants
  • Estimated 1st-year value of $1,349

Cons

  • High annual fee ($165)
  • Requires good credit
Best for: Overall value
4.8Ratesopedia rating

It comes with a welcome bonus of 200,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,284.

Best of Month
Annual Fee
$599
Rewards rate
1x

BMO Rewards

Welcome Bonus
200,000 points

Ends Oct 31, 2026

1st Year Value
$1,284

Pros

  • Welcome bonus of 200,000 points
  • 5x on groceries
  • 5x at restaurants
  • Estimated 1st-year value of $1,284

Cons

  • High annual fee ($599)
  • Requires good credit
Best for: Overall value
4.7Ratesopedia rating

It comes with a welcome bonus of 15,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,263.

Best of Month
Annual Fee
$192
Rewards rate
1x

Amex Membership Rewards

Welcome Bonus
15,000 points
1st Year Value
$1,263

Pros

  • Welcome bonus of 15,000 points
  • 5x on groceries
  • 5x at restaurants
  • Estimated 1st-year value of $1,263

Cons

  • High annual fee ($191.88)
Best for: 1st Yr Fee Rebate
5.0Ratesopedia rating

The TD First Class Travel Visa Infinite Card offers a first year annual fee rebate (regular fee $139/yr). It comes with a welcome bonus of 146,000 points. You earn 6x on groceries and 6x at restaurants. Estimated first-year value is $1,210.

Best of Month1st Yr Fee Rebate
Annual Fee
$139 $0
Rewards rate
2x

TD Rewards

Welcome Bonus
146,000 points
1st Year Value
$1,210

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of 146,000 points
  • 6x on groceries
  • 6x at restaurants

Cons

  • Requires good credit
Best for: 1st Yr Fee Rebate
5.0Ratesopedia rating

The BMO Ascend World Elite Mastercard offers a first year annual fee rebate (regular fee $150/yr). It comes with a welcome bonus of 115,000 points. You earn 1x on groceries and 3x at restaurants. Estimated first-year value is $1,195.

Best of Month1st Yr Fee Rebate
Annual Fee
$150 $0
Rewards rate
1x

BMO Rewards

Welcome Bonus
115,000 points
1st Year Value
$1,195

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of 115,000 points
  • 3x at restaurants
  • Estimated 1st-year value of $1,195

Cons

  • Requires good credit
Best for: Travel rewards
4.7Ratesopedia rating

It comes with a welcome bonus of 28,000 points. You earn 3x on groceries and 3x at restaurants. Estimated first-year value is $1,173.

Annual Fee
$48
Rewards rate
1x

RBC Avion Rewards

Welcome Bonus
28,000 points
1st Year Value
$1,173

Pros

  • Welcome bonus of 28,000 points
  • 3x on groceries
  • 3x at restaurants
  • Estimated 1st-year value of $1,173

Cons

  • Fewer premium perks
Best for: Overall value
4.7Ratesopedia rating

It comes with a welcome bonus of 45,000 points. You earn 5x on groceries and 5x at restaurants. Estimated first-year value is $1,088.

Best of Month
Annual Fee
$120
Rewards rate
1x

Scene+

Welcome Bonus
45,000 points

Ends Jul 1, 2026

1st Year Value
$1,088

Pros

  • Welcome bonus of 45,000 points
  • 5x on groceries
  • 5x at restaurants
  • Estimated 1st-year value of $1,088

Cons

  • Requires good credit

Complete Guide

Best Credit Cards for Restaurants in Canada

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

If you dine out regularly or order food delivery, a credit card that bonuses restaurant spending can earn you hundreds in annual rewards. The best dining cards offer 3–5x points or 3–4% cash back at restaurants, bars, and food delivery apps.

51

Cards analyzed

Jun 2026

Last updated

100%

Independent

Methodology

Our team evaluates credit cards based on overall consumer value: rewards earning rates, annual fees, welcome bonuses, insurance coverage, and additional perks. Cards are ranked by estimated first-year value. We update our picks monthly.

📊Real data
🔄Updated regularly
⚖️Unbiased review
🎯Transparent criteria

FAQ

Frequently Asked Questions

1Does food delivery count as restaurant spending?

Usually yes. Most cards categorize UberEats, DoorDash, and SkipTheDishes as restaurant/food delivery, qualifying for bonus rates.

Next step

Find your perfect card

Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.