1.American Express Cobalt® Card
American Express
- 5%Points on eligible eats & drinks
- 3%Points on eligible streaming subscriptions
Earn up to 15,000 Membership Rewards points by spending $750 on your Card in your first year.
Earn 5 points for every $1 on eligible eats & drinks, and 1 point on all other purchases.
The American Express Cobalt® Card stands out as the top choice because of its exceptional earning potential on dining and grocery purchases, making it ideal for food lovers and frequent diners. With a robust rewards structure and flexible point redemption options, it earns the #1 spot for those looking to maximize their rewards.
Pros:
- High rewards on dining and groceries
- Flexible Membership Rewards points
Cons:
- Monthly fee for non-Quebec residents
- High interest rates
- 5%Points on eligible restaurant and grocery purchases
Earn up to 30,000 bonus MBNA Rewards Points for cash back, gift cards and more.
Earn 5 points per $1 on eligible restaurant, grocery, digital media, membership, and household utility purchases.
What sets the MBNA Rewards World Elite Mastercard apart is its impressive earning rate of 5 points per dollar on a wide range of everyday purchases, making it a strong contender for those who want to maximize their rewards on daily spending. With a solid welcome bonus and additional perks, it offers great value for frequent spenders.
Pros:
- High earning potential on everyday spending
- Includes various insurance benefits
Cons:
- Annual fee
- Not as widely accepted as Visa or Mastercard
3.National Bank World Elite Mastercard
National Bank
- 5%Points on all purchases
No standard welcome bonus points available.
Earn up to 5 points per $1 spent on all purchases.
The National Bank World Elite Mastercard shines for its extensive travel benefits, including comprehensive insurance coverage and access to airport lounges, making it an excellent choice for frequent travelers. Its high earning rate on all purchases further enhances its appeal, providing cardholders with valuable rewards on their spending.
Pros:
- Comprehensive travel insurance
- Access to airport lounges
Cons:
- High annual fee
- Limited rewards categories
4.Scotiabank Gold American Express Card
Scotiabank
- 6%Points on grocery store purchases
- 5%Points on dining
Earn up to 50,000 bonus Scene+ points valued at up to $500.
Earn 6 Scene+ points per $1 spent at grocery stores and 1 point on all other purchases.
The Scotiabank Gold American Express Card is the best option for those who frequently shop at grocery stores and dine out, as it offers an impressive 6 points per dollar spent in these categories. With no foreign transaction fees, it is particularly advantageous for travelers, making it a top-tier choice in the rewards credit card market.
Pros:
- High rewards on groceries and dining
- No foreign transaction fees
Cons:
- Annual fee
- Limited to American Express acceptance
5.RBC ION+ Visa Card
RBC
- 3%Points on groceries, gas, dining
- 1%Points on all other purchases
Get up to 28,000 Avion points if you apply by November 4, 2026.
Earn 3X Avion points on groceries, gas, dining and more.
The RBC ION+ Visa Card stands out for its low annual fee and high earning potential of 3X Avion points on everyday categories, making it an excellent choice for budget-conscious consumers who want to maximize their rewards without incurring high costs.
Pros:
- Low annual fee
- High rewards on everyday spending
Cons:
- Limited to RBC Avion rewards
- Cash advance rates can be high
Did you know?
Dining rewards vary by issuer definition of restaurant spend. Compare bonus rates, fees, and whether delivery apps qualify before you pick a card from this list.
Final Words
As you consider the best restaurant credit cards this September 2026, remember that the right choice can enhance your dining experiences while rewarding you for your spending. Take time to compare your options carefully, focusing on rewards, fees, and benefits, so you can make informed decisions that best suit your lifestyle and financial goals.
Frequently Asked Questions
With the American Express Cobalt® Card, you can earn 5 points for every $1 on eligible eats & drinks, and 1 point on all other purchases. Additionally, you can earn up to 15,000 Membership Rewards points by spending $750 on your Card in your first year.
The annual fee for the MBNA Rewards World Elite Mastercard is CA$120. This card also offers a welcome bonus of up to 30,000 bonus MBNA Rewards Points for cash back, gift cards, and more.
The National Bank World Elite Mastercard allows you to earn up to 5 points per $1 spent on all purchases. However, it does not offer a standard welcome bonus points.
When selecting a restaurant credit card, consider the reward rate on dining purchases, any annual fees, and the welcome bonus offered. It's also important to evaluate if the card fits your spending habits and lifestyle.
Yes, most restaurant credit cards in Canada require applicants to be at least 18 years old, have a valid Canadian address, and meet a minimum income threshold. Additionally, a good credit score is often necessary for approval.
To maximize rewards, use your restaurant credit card for all dining and grocery purchases, as these often yield the highest points. Additionally, keep an eye out for promotional offers that may provide extra points on specific spending categories.
Rewards from restaurant credit cards can usually be redeemed for cash back, gift cards, travel, or merchandise, depending on the card issuer. Always check the rewards program details for specific redemption options.
