1.Scotiabank Gold American Express® Card
Scotiabank
- 6%Scene+ points at Sobeys, Safeway, FreshCo and more
- 5%Scene+ points on groceries
Earn up to $950 in welcome offers, first year rewards and savings value, including up to 50,000 bonus Scene+ points.
Earn 6 Scene+ points per $1 spent at Sobeys, Safeway, FreshCo and more; 5 Scene+ points per $1 spent on groceries.
The Scotiabank Gold American Express Card stands out as the top choice because it offers exceptional rewards on everyday spending categories like groceries and dining, making it ideal for those who frequently shop in these areas.
Pros:
- High rewards on groceries and dining
- No foreign transaction fees
Cons:
- Annual fee of CA$120
- Requires good credit
- 3%Cash back on U.S. dollar purchases
- 1.5%Cash back on everything else
N/A
Earn up to 3% cash back on U.S. dollar purchases, plus 1.5% on everything else.
What sets this card apart is its unique cash back structure that rewards users significantly for U.S. dollar purchases, making it a great option for frequent travelers or those who shop in the U.S.
Pros:
- No annual fee
- High cash back on U.S. dollar purchases
Cons:
- Requires high income
- Limited to Rogers customers for best rewards
- 4%Cash back on gas and groceries
- 2%Cash back on everything else
Earn a 10% cash back welcome bonus of up to $200 for the first 4 statements on net purchases up to $2,000; A $50 cash back bonus for setting up one pre-authorized payment within the first 4 months.
Earn 4% cash back on gas and groceries, plus up to 2% on everything else.
The standout feature here is the high cash back rate on essential spending categories like gas and groceries, making it an excellent choice for families and individuals who prioritize these expenses.
Pros:
- High cash back on gas and groceries
- Strong welcome bonus
Cons:
- Annual fee of CA$120
- Requires good credit
4.Tangerine Money-Back World Mastercard
Tangerine
- 2%Cash back in up to 3 customizable categories
- 0.5%Cash back on all other purchases
Get $100 with a Money-Back. Spend $1,500 in your first 3 months to enjoy this Bonus.
Get unlimited 2% cash back in up to 3 categories of your choice with a savings account + 0.5% back on everything else.
This card shines for its flexibility, allowing cardholders to choose their preferred cash back categories, making it a great starter card for those new to cash back rewards.
Pros:
- No annual fee
- Customizable cash back categories
Cons:
- Lower cash back on non-category purchases
- Limited to 3 categories
5.Scotia Momentum Visa Infinite Card
Scotiabank
- 4%Cash back on groceries and recurring bills
- 2%Cash back on gas and daily transit
Earn 15% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).
Earn 4% cash back on groceries and recurring bills, 2% cash back on gas and daily transit.
A key differentiator is its high cash back rate on essential spending categories, making it a solid choice for those who frequently spend on groceries and recurring bills.
Pros:
- High cash back on groceries
- Strong welcome bonus
Cons:
- Annual fee of CA$120
- Mixed reviews on value
6.Amex Cobalt Card
American Express
- 5%Membership Rewards points on eligible eats & drinks
- 3%Membership Rewards points on eligible streaming subscriptions
Earn up to 15,000 Membership Rewards points during your first year.
Earn 5 points for every $1 on eligible eats & drinks including eligible restaurants, bars, cafes, grocery stores, and food delivery in Canada.
The American Express Cobalt Card is the best option for those who frequently dine out or order food, as it offers exceptional rewards on these categories, making it a top-rated choice among rewards cards.
Pros:
- High rewards on dining and groceries
- Flexible point redemption options
Cons:
- High annual fee
- Monthly fee structure
Final Words
As you consider the best credit cards for online shopping this September, remember to evaluate their rewards, fees, and benefits that align with your spending habits. Take time to compare your options to ensure you make an informed decision that maximizes your shopping experience.
Frequently Asked Questions
The Scotiabank Gold American Express® Card offers a reward rate of 6 Scene+ points per $1 spent at Sobeys, Safeway, FreshCo and more, and 5 Scene+ points per $1 spent on groceries.
The CIBC Dividend Visa Infinite Card offers a welcome bonus of 10% cash back of up to $200 for the first 4 statements on net purchases up to $2,000; plus, a $50 cash back bonus for setting up one pre-authorized payment within the first 4 months.
With the Rogers Red World Elite Mastercard, you can earn up to 3% cash back on U.S. dollar purchases and 1.5% cash back on everything else.
Some credit cards designed for online shopping have no annual fees, while others may charge fees ranging from $0 to $150 or more. It's important to compare cards to find one that fits your spending habits and offers the best rewards.
When selecting a credit card for online shopping, consider factors such as reward rates, annual fees, welcome bonuses, and any special promotions or partnerships that may offer additional savings or perks.
To apply for a credit card in Canada, you typically need to fill out an application form online or in-store, providing personal and financial information. Approval can be instant or may take a few days, depending on the issuer.
Yes, many credit cards offer rewards on international online purchases, but the rates may vary. For example, the Rogers Red World Elite Mastercard allows you to earn 3% cash back on U.S. dollar purchases.
