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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. In this article Show table of contents Best credit cards for food delivery What are food delivery services? Best food delivery services in Canada FAQ Never miss an amazing deal again + get our bonus 250+ page eBook for FREE . Join 50,000 other Canadians who receive our weekly newsletter – learn more . 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 tp $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 American Express Cobalt ® Card 5.0 Genius Rating 4.1 (80) User reviews ×8 Award winner $100 GeniusCash + Transfer points to Aeroplan and 7 other travel partners with Canada's #1 credit card . * Annual fee See rates Learn more Welcome bonus $300 ◊ 15,000 points Annual rewards $1,080 ◊ GC Ends: Dec 31, 2025 GC: $100 I Want This Deal Learn More Instant approval: Yes Credit estimate: American Express Cobalt ® Card GC: $100 5.0 Genius Rating 4.1 (80) User reviews 8x Award winner $100 GeniusCash + Transfer points to Aeroplan and 7 other travel partners with Canada's #1 credit card . * Annual fee See rates Learn more Welcome bonus $300 ◊ 15,000 points Annual rewards $1,080 ◊ GC Ends: Dec 31, 2025 Credit estimate:  (660 - 724) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons To earn the most rewards possible on food, the American Express Cobalt ® Card is a card that can't be beat. You’ll earn 5 points per $1 spent on eligible groceries and restaurants. Plus the Amex Offers included with the card often include restaurant discounts. A win-win. 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 Scotiabank Gold American Express ® Card 4.7 Genius Rating 3.2 (60) User reviews ×1 Award winner $100 GeniusCash + Up to 50,000 bonus points + No foreign exchange fees. * Annual fee $120.00 $0 1st year waived Welcome bonus $500 ◊ 50,000 Scene+ points Annual rewards $588 ◊ GC Ends: Dec 31, 2025 GC: $100 I Want This Deal Learn More Instant approval: Yes Credit estimate: Scotiabank Gold American Express ® Card GC: $100 4.7 Genius Rating 3.2 (60) User reviews 1x Award winner $100 GeniusCash + Up to 50,000 bonus points + No foreign exchange fees. * Annual fee $120.00 $0 1st year waived Welcome bonus $500 ◊ 50,000 Scene+ points Annual rewards $588 ◊ GC Ends: Dec 31, 2025 Credit estimate:  (660 - 724) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons At first glance, the Scotiabank Gold American Express ® Card , which earns Scene+ points, might seem like a strange food delivery pick, but you’ll earn a generous 6 points per $1 spent at Sobeys, Safeway, and Freshco. You’ll also earn 5 points per $1 on groceries and dining, making it a solid food delivery card. 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 MBNA Rewards World Elite ® Mastercard ® 5.0 Genius Rating 3.3 (81) User reviews ×4 Award winner $100 GeniusCash + Up to 30,000 bonus points + birthday bonus worth up to 15k points. * Annual fee $120.00 Learn more Welcome bonus $300 ◊ 30,000 points Annual rewards $686 ◊ GC Ends: Dec 31, 2025 GC: $100 I Want This Deal Learn More Instant approval: Yes Credit estimate: MBNA Rewards World Elite ® Mastercard ® GC: $100 5.0 Genius Rating 3.3 (81) User reviews 4x Award winner $100 GeniusCash + Up to 30,000 bonus points + birthday bonus worth up to 15k points. * Annual fee $120.00 Learn more Welcome bonus $300 ◊ 30,000 points Annual rewards $686 ◊ GC Ends: Dec 31, 2025 Credit estimate:  (725 - 759) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons The MBNA Rewards World Elite ® Mastercard ® is a great non-American Express card for food delivery, earning you 5 points per $1 spent on restaurants and groceries. Plus, these MBNA Rewards points are worth 1 cent each when redeemed for travel, so you’ll get a return of 5% on your food delivery. 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 BMO eclipse Visa Infinite * Card 3.7 Genius Rating 2.9 (18) User reviews $150 GeniusCash + Exclusive : Up to $637 in value + 5x points on gas & groceries. * Annual fee $120.00 $0 1st year waived Welcome bonus $469 ◊ 70,000 points Annual rewards $386 ◊ GC Ends: Dec 31, 2025 GC: $150 I Want This Deal Learn More Instant approval: Yes Credit estimate: BMO eclipse Visa Infinite * Card GC: $150 3.7 Genius Rating 2.9 (18) User reviews $150 GeniusCash + Exclusive : Up to $637 in value + 5x points on gas & groceries. * Annual fee $120.00 $0 1st year waived Welcome bonus $469 ◊ 70,000 points Annual rewards $386 ◊ GC Ends: Dec 31, 2025 Credit estimate:  (560 - 659) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons The BMO eclipse Visa Infinite * Card. is another non-Amex option that earns you 5 BMO Rewards points per $1 spent on groceries and dining. Although BMO points have a notoriously low value, the card has a nice lifestyle credit and you can add an authorized user for bonus points. 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 Tangerine ® Money-Back World Mastercard ® * 4.4 Genius Rating 3.3 (23) User reviews $120 GeniusCash + $120 bonus cash back * + No annual fee. * Annual fee $0.00 Learn more Welcome bonus $120 ◊ Learn more Annual rewards $273 ◊ GC Ends: Dec 14, 2025 GC: $120 I Want This Deal Learn More Instant approval: Yes Credit estimate: Tangerine ® Money-Back World Mastercard ® * GC: $120 4.4 Genius Rating 3.3 (23) User reviews $120 GeniusCash + $120 bonus cash back * + No annual fee. * Annual fee $0.00 Learn more Welcome bonus $120 ◊ Learn more Annual rewards $273 ◊ GC Ends: Dec 14, 2025 Credit estimate:  (660 - 724) I Want This Deal Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons If you want a simple no annual fee credit card , the Tangerine ® Money-Back World Mastercard ® * is your card. You get to choose which categories you earn 2% cash back in. Simply pick groceries and restaurants as your 2 categories and you're all set. 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. creditcardGenius is the only tool that compares 126+ features of 227 Canadian credit cards using math-based ratings and rankings that respond to your needs, instantly. Take our quiz and see which of Canada's 227 cards is for you. Did you find this article helpful? Yes No Editorial Disclaimer : The content here reflects the author's opinion alone. No bank, credit card issuer, rewards program, or other entity has reviewed, approved, or endorsed this content. For complete and updated product information please visit the product issuer's website. Our credit card scores and rankings are based on our Rating Methodology that takes into account 126+ features for each of 227 Canadian credit cards. Hot Credit Card Deals This Month Hot Credit Card Deals This Month: Get even more cash back with exclusive offers only available on the GeniusCash app Explore bigger GeniusCash offers that you won't find anywhere else. Connect your credit cards and unlock bonus cash on your spending that you won't get anywhere else. Explore customized recommendations to help you find the best products to level up your rewards. 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