It’s easier than ever to enjoy the convenience of food delivery, and, fortunately, your take-out curry can earn you even more cash back if you use the right credit card. While the American Express Cobalt® Card is the top card for food delivery – and the best for groceries in general – there are also several other high-value options.
This article discusses our favourite credit cards for food delivery, breaks down which Canadian food delivery services are the best, and explains our reasoning for both.
Key Takeaways
- The best food delivery credit cards offer increased rewards for groceries and restaurants.
- Choose a food delivery credit card that participates in a reward program you already use.
- If you don’t have a flat rate credit card, select groceries or restaurants as your top-earning categories to get more cash back for food delivery.
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Best credit cards for food delivery
We started our search by looking for credit cards with the best grocery and restaurant earn rates.
| Credit Card | Welcome Bonus | Earn Rates | Annual Fee, Income Requirements | Apply Now |
|---|---|---|---|---|
| American Express Cobalt |  $100 GeniusCash + Up to 15,000 bonus points (terms) | * 5 points per $1 spent on eligible groceries and restaurants (up to $2,500 spent per month) * 3 points per $1 spent on eligible streaming services * 2 points per $1 spent on eligible gas, transit, and ride share purchases * 1 point per $1 spent on foreign currency purchases * 1 point per $1 spent on all other purchases | * $191.88 * None | Apply Now |
| Scotiabank Gold American Express | $100 GeniusCash + Up to 50,000 bonus points, first year free (terms) | * 6 Scene+ points per $1 spent at Sobeys, Safeway, FreshCo and more * 5 Scene+ points per $1 spent on groceries, dining, and entertainment * 3 Scene+ points per $1 spent on gas, select streaming services, and transit * 1 Scene+ point per $1 spent on foreign currency purchases * 1 Scene+ point per $1 spent on all other purchases | * $120 * $12K personal | Apply Now |
| MBNA Rewards World Elite Mastercard | $100 GeniusCash + 30,000 bonus points (terms) | * 5 points for every $1 spent on restaurants, groceries, and select recurring bills (up to $50,000 spent annually per category) * 1 point per $1 spent on all other purchases | * $120 * $80K personal/$150K household | Apply Now |
| BMO eclipse Visa Infinite | $150 GeniusCash + Up to 70,000 bonus points, first year free (terms) | * 5 BMO Rewards points for every $1 spent on dining, groceries, gas, and transit * 1 point per $1 spent on all other purchases | * $120 * $60K personal/$100K household | Apply Now |
| Tangerine World Mastercard | $120 GeniusCash + $120 (terms) | * 2% cash back on purchases in up to 3 Money-Back Categories * 0.5% cash back on all other purchases | * $0 * $50K personal/$80K household | Apply Now |
It’s also worth considering credit cards with perks related to food delivery services you use frequently.
- Some RBC credit cards, like the RBC Cash Back Preferred World Elite Mastercard, include up to 12 months of free DoorDash through a complimentary DashPass subscription
- The moi RBC Visa earns Metro moi rewards
- The PC Insiders World Elite Mastercard earns bonus PC Optimum points and offers free grocery delivery through a complimentary PC Express Pass
American Express Cobalt
×8 Award winner 
GC: $100
8x Award winner To earn the most rewards possible on food, the
Pros:
- Get up to 15,000 welcome bonus points
- 4 ways to redeem points for high value
- 10 types of insurance included
Cons:
- Lower acceptance as American Express
Scotiabank Gold American Express
×1 Award winner GC: $100
1x Award winner At first glance, the
Pros:
- No foreign exchange fees
- 12 types of insurance
- Up to 50,000 Scene+ bonus points
- Up to 6 Scene+ points per $1 spent on select purchases
Cons:
- Lower acceptance as American Express
MBNA Rewards World Elite Mastercard
×4 Award winner GC: $100
4x Award winner The
Pros:
- 10% bonus points every year on your birthday (up to 15,000 points)
- Up to 30,000 welcome bonus points
- 12 types of insurance, including rare price protection
Cons:
- High income requirements of either $80,000 personal or $150,000 household
BMO eclipse Visa Infinite
GC: $150
The
Pros:
- Up to 70,000 bonus points
- Get a $50 anniversary lifestyle credit to spend however you want
- 10% bonus points when you add an authorized user
- Save up to 7 cents per litre at Shell
Cons:
- Low point value of 0.67
- High income requirements of either $60,000 personal or $100,000 household
- Only includes 6 types of insurance
Tangerine World Mastercard
If you want a simple no annual fee credit card, the
Pros:
- 1.95% on balance transfers for 6 months
- Mobile device insurance
- No annual fee
- 4 types of insurance
- DragonPass membership
- Access to Mastercard World benefits
Cons:
- Only earns 0.5% cash back on non-category purchases
- High income requirements of $60,000 personal or $100,000 household
What counts as food delivery services?
Food delivery service includes both ready-made meals—like a classic pizza delivery—and grocery deliveries.
More broadly, food delivery services even include meal kit delivery services, like Hello Fresh. These companies provide packages of food that can be assembled into convenient meals.
But how do you know whether your credit card counts a purchase as food delivery? This question is more complicated. Credit card companies classify purchases using Merchant Category Codes (MCCs), four-digit numbers that specify spend type.
MCCs aren’t standardized, and stores are categorized based on their primary source of income, so you’ll need to check how your card qualifies your purchases. For example, if you order groceries from Costco, you won’t earn bonus spend for "food delivery" since Costco is classified as a warehouse, not a grocery store.
However, food purchased directly from restaurants should safely qualify for bonus restaurant rewards.
Best food delivery services in Canada
You have more food delivery options than ever, but how do they compare? Take a look at their features and how their apps fare:
| Service | Pros | Cons | Google Play rating | App Store rating |
|---|---|---|---|---|
| Skip The Dishes | * Delivery available within every province * Offers promos, vouchers, and coupon codes | * Delivery is limited outside of cities * Fees can vary considerably | 4.3 | 4.7 |
| Uber Eats | * Offers Uber One, a subscription service that comes with discounts | * High delivery fees * Only available in 8 provinces | 4.6 | 4.7 |
| Doordash | * Subscription available that includes $0 delivery fee | * Not as widespread as Uber Eats | 4.7 | 4.7 |
| Ritual | * Delivery platform for small businesses and restaurants | * Partners with DoorDash, so may be subject to additional fees | 4.6 | 4.8 |
FAQ
Which credit card is best for food delivery?
The best credit card for food delivery is the American Express Cobalt. It earns 5 points per $1 spent on groceries and restaurants, so you can get a return of up to 10% on your food.
Which is the best food delivery service in Canada?
The best food delivery service for you will be the one that partners with restaurants and stores that you frequently use. However, you might start by considering Skip The Dishes, as it has one of the biggest networks in Canada.
Is DoorDash or Uber Eats more popular in Canada?
It’s a close contest, but according to Deliverect, 54% of Canadians used Uber Eats in 2024 compared to 49% who used DoorDash. As the food delivery market continues to grow, competition could become even fiercer.
What is the best credit card for groceries in Canada in 2025?
At the risk of sounding like a broken record, we’re going to go with the American Express Cobalt again since you’ll earn 5 points per $1 spent on groceries. We also love that this applies to food and restaurant delivery.
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