Use Your Amex Credit Cards At Loblaws And Costco With Instacart

creditcardGenius Team
updated on Apr 10, 2023
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We love our American Express credit cards, but unfortunately 2 major retailers in Canada – Loblaws and Costco – don’t accept them.

But thanks to Instacart, that’s all changed.

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You can use your American Express credit cards at Loblaws and Costco

Thanks to Instacart, you’re now able to use Amex credit cards at Loblaws stores and Costco when you order groceries through them.

All you have to do is set up an order through any Costco or Loblaws store that’s available on Instacart, then pay for the order with your Amex card. Because Instacart accepts Amex, your order will go through on your card as an eats and drinks purchase.

And for Costco, you don’t even need a membership when you shop through Instacart. Just note that if you do have an Executive Membership, you’ll miss out on the 2% back you would otherwise be entitled to.

But the best part? Instacart is classified as eats and drinks, meaning any bonus rewards on this category for Amex cards are also in effect.

American Express credit cards for groceries

So what are the top American Express credit cards for earning rewards on groceries?

Here are 2 Amex cards that have great rewards on this essential category.

Amex Card Welcome Bonus Earn Rate On Groceries Annual Fee Apply Now
American Express Cobalt Up to 15,000 points (terms) 5 points per $1 spent $155.88 Apply Now

5.0 Genius Rating
4.1 (80) User reviews
award seal ×8 Award winner

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
Learn more
American Express Cobalt® Card
Instant approval: Yes
Credit estimate:
American Express Cobalt® Card
5.0 Genius Rating
4.1 (80) User reviews
award seal 8x Award winner

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
Learn more
Credit estimate:
 (660 - 724)
Instant approval: Yes

Our top rated credit card, the American Express Cobalt® Card, leads this list.

As our #1 grocery card, this card gives you 5 Membership Reward points per $1 spent on grocery purchases (as well as restaurants).

But that’s only half of it. These Membership Reward points are also incredibly valuable, , as they’re worth up to 2 cents each when you transfer them to Aeroplan.

The potential return on your grocery (and restaurant) purchases is up to 10% – an incredible return on your spending.

And now you can take advantage of it at Loblaws and Costco by using Instacart.

Of course, there are more Amex credit cards besides these ones. You can view all American Express credit cards here.

Your thoughts

It’s great to be able to use Amex credit cards in some capacity at Loblaws and Costco retailers, even if it’s only through Instacart.

What are your thoughts on using an Amex card through Instacart?

Let us know in the comments below.

creditcardGenius is the only tool that compares 126+ features of 229 Canadian credit cards using math-based ratings and rankings that respond to your needs, instantly. Take our quiz and see which of Canada's 229 cards is for you.

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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 229 Canadian credit cards.

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Showing 2 comments

tony
tony
August 2, 2021
This was a very interesting option. However, between administrative fee and tips, all of the advantage these cards might have are spent away and essentially nullify any merit they held. Of course, we could give 0 tip, but that doesn't seem very sustainable. I am still exploring this option, but right now, even going Brim world elite seems cheaper in comparison.
creditcardGenius Team
creditcardGenius Team
August 12, 2021
Hey Tony, That's very true, Instacart fees can get pretty expensive and offset any extra rewards you earn with Cobalt. But if you love using your Cobalt, this is an interesting workaround to using it at Costco and Loblaws.
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