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Top 7 Credit Cards in Canada for Food Delivery in 2021

March 1, 2021
7 mins
Happy couple in modern living room

Canadians crave burrito bowls, according to DoorDash data. The dish tops the list for the most popular meal to order in the country, alongside butter chicken and poutine.

Poutine appears in the top 10 foods in seven provinces — no surprise there.

One order, in particular, stood out. The largest DoorDash order of the year was for Greek food and generated a substantial bill of $1,087.

Most orders are not quite that costly, though the COVID-19 pandemic has shifted the restaurant industry online, leaving Canadians to spend through third-party apps that often include extra fees.

Although these fees are unavoidable for customers who choose this convenience, there are ways to save money.

It can be rewarding to leave the cooking to the professionals. If your transaction history is practically a list of your favourite restaurants, the right credit card can reward you for those purchases.

Here are the seven best credit cards in Canada for food delivery.

Our top picks

Credit cards

Rewards for delivery

First-year value*

1. American Express CobaltTM Card

  • 5 points for every $1 spent on eligible restaurant, café, and food delivery purchases

$1,361

2. Scotiabank®* Gold American Express® Card

  • 5 Scotia Rewards points for every $1 spent on eligible grocery, restaurant, fast food, food delivery, and food subscription purchases

$1,024

3. BMO eclipse Visa Infinite* Card

  • 5 points for every $1 spent on dining in and out

$862

4. BMO® AIR MILES®† World Elite®* Mastercard®*

  • 1 Mile for every $10 in purchases, including delivery

$756

5. SimplyCashTM Card from American Express

  • 1.25% cash back on purchases, including takeout and delivery

$338

6. Tangerine Money-Back Credit Card

  • Up to 2% cash back on restaurant purchases

$309

7. HSBC +RewardsTM Mastercard®

  • 2 points for every $1 spent on eligible dining purchases

$269

*The first-year value is based on the RATESDOTCA Best of Finance methodology, and includes the welcome bonus at the time of publishing.

1. American Express CobaltTM Credit Card

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$362
+ Annual rewards
$1155
- Annual fee
$156
Total first year value
$1361
American Express Cobalt® Credit Card

card image
Welcome bonus
$362
AMEX Rewards points
Annual rewards
$1155
AMEX Rewards points
Annual fees:
$156
Interest rates:
20.99% on purchases • 21.99% on cash advances
2024 Winner – Best Overall Rewards Credit Card, Best Credit Card for Young Professionals, and Best Credit Card for Earning Travel Points and Best American Express Credit Card.
Particularly great for individuals who live in the city, eat out often or order in.
Details at a glance Collapse details
Welcome bonus
$362
Annual rewards
$1155
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$362
+ Annual rewards
$1155
- Annual fee
$156
Total first year value
$1361
Annual fees:
$156
Interest rates:
20.99% on purchases
21.99 on cash advances
2024 Winner – Best Overall Rewards Credit Card, Best Credit Card for Young Professionals, and Best Credit Card for Earning Travel Points and Best American Express Credit Card.
Particularly great for individuals who live in the city, eat out often or order in.
Details at a glance Collapse details

*Best of Finance Winner: Best Rewards Credit Card in Canada for 2020
*Best of Finance Winner: Best Credit Card for Young Professionals in Canada for 2020

The American Express CobaltTM Credit Card offers up to 15,000 bonus points in the first year.

Regular features and benefits of this card include:

  • Monthly fee: $12.99 ($155.88 per year)
  • Annual fee for additional cards: $0
  • Earn five points for every $1 spent on eligible restaurant, café, and food delivery purchases.
  • Earn two points for every $1 spent on eligible transit, gas, and ride share purchases.
  • Earn one point for every $1 spent on all other purchases.

This card also features travel and shopping coverage, as well as exclusive travel perks and deals. Cardholders can access American Express Invites® for special offers and advance ticket sales to popular events.

Offer expiry date: N/A subject to change without notice

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2. Scotiabank®* Gold American Express® Card

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$400
+ Annual rewards
$744
- Annual fee
$120
Total first year value
$1024
Scotiabank®* Gold American Express® Card

card image
Welcome bonus
$400
Scotia Scene+ Points
Annual rewards
$744
Scotia Scene+ Points
Annual fees:
$120
Interest rates:
20.99% on purchases • 22.99% on cash advances
2024 Winner – Best No Foreign Transaction Fees Credit Card for Long Stay Travellers and Best Credit Card for Subscriptions
Earn valuable rewards points on a wide variety of categories that you can redeem for travel, cash back and more
Details at a glance Collapse details
Welcome bonus
$400
Annual rewards
$744
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$400
+ Annual rewards
$744
- Annual fee
$120
Total first year value
$1024
Annual fees:
$120
Interest rates:
20.99% on purchases
22.99 on cash advances
2024 Winner – Best No Foreign Transaction Fees Credit Card for Long Stay Travellers and Best Credit Card for Subscriptions
Earn valuable rewards points on a wide variety of categories that you can redeem for travel, cash back and more
Details at a glance Collapse details

*Best of Finance Winner: Best Travel Credit Card in Canada for 2020
*Best of Finance Winner: Best Credit Card for Snowbirds or Cross-Border Shoppers in Canada for 2020

New cardholders of the Scotiabank®* Gold American Express® Card can earn up to 40,000 Scotia Rewards points. Get 30,000 bonus Scotia Rewards points by spending at least $1,000 in purchases in the first three months. Get another 10,000 Scotia Rewards points by spending at least $7,500 in everyday purchases in the first year.

Regular features and benefits of this card include:

  • Annual fee: $120
  • Annual fee for additional cards: $29
  • Earn five Scotia Rewards points for every $1 spent on eligible grocery, restaurant, fast food, food delivery, and food subscription purchases.
  • Earn three Scotia Rewards points for every $1 spent on eligible streaming services, gas, and daily transit purchases, including buses, taxis and rideshare.
  • Earn one Scotia Rewards point for every $1 spent on all other purchases.

Cardholders can get exclusive access to events and special offers from American Express Invites®. Also, get the Best Price Guarantee on airfare through the Scotia Rewards Travel Service and travel insurance coverage. Plus, pay no foreign transaction fees.

Offer expiry date: August 31, 2021

3. BMO eclipse Visa Infinite* Card

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Cash bonus
$50
+ Welcome bonus
$450
+ Annual rewards
$546
- Annual fee (First Year Waived)
$0
Total first year value
$1046
BMO eclipse Visa Infinite* Card

card image
Welcome bonus
$450
BMO Rewards points
Annual rewards
$546
BMO Rewards points
Annual fees:
$120 (First Year Waived)
Interest rates:
20.99% on purchases • 23.99% on cash advances
Get a $50 CashSurge from RATESDOTCA
Designed for the lifestyle of the urban digital millennial
Details at a glance Collapse details
Welcome bonus
$450
Annual rewards
$546
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Cash bonus
$50
+ Welcome bonus
$450
+ Annual rewards
$546
- Annual fee (First Year Waived)
$0
Total first year value
$1046
Annual fees:
$120 (First Year Waived)
Interest rates:
20.99% on purchases
23.99 on cash advances
Get a $50 CashSurge from RATESDOTCA
Designed for the lifestyle of the urban digital millennial
Details at a glance Collapse details

Apply for the BMO eclipse Visa Infinite* Card to earn up to 40,000 BMO Reward points. Cardholders can get 25,000 points when they spend at least $3,000 in purchases in the first three months of opening the account. Get another 15,000 BMO Rewards points after the 12-month account anniversary. Plus, pay no annual fee for the first year.

Regular features and benefits of this card include:

  • Annual fee: $120
  • Annual fee for additional cards (up to three): $50
  • Earn five points for every $1 spent on dining in and out, as well as groceries, gas, and transit purchases.
  • Earn one point for every $1 spent on all other purchases.

Cardholders can earn 10% more points when they add an authorized user to the account. Instead of earning five points for every $1 spent on groceries, for example, the cardholder would earn 5.5 points. This card also features a $50 annual lifestyle credit and countless Infinite benefits, including access to the Visa Infinite Luxury Hotel Collection or Visa Infinite Dining Series.

Offer expiry date: October 31, 2021

4. BMO® AIR MILES®† World Elite®* Mastercard®*

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$344
+ Annual rewards
$430
- Annual fee (First Year Waived)
$0
Total first year value
$774
BMO AIR MILES World Elite* Mastercard*

card image
Welcome bonus
$344
AIR MILES Rewards
Annual rewards
$430
AIR MILES Rewards
Annual fees:
$120 (First Year Waived)
Interest rates:
20.99% on purchases • 23.99% on cash advances
Great rewards card for Air Miles collectors
Includes comprehensive travel insurance and access perks
Details at a glance Collapse details
Welcome bonus
$344
Annual rewards
$430
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$344
+ Annual rewards
$430
- Annual fee (First Year Waived)
$0
Total first year value
$774
Annual fees:
$120 (First Year Waived)
Interest rates:
20.99% on purchases
23.99 on cash advances
Great rewards card for Air Miles collectors
Includes comprehensive travel insurance and access perks
Details at a glance Collapse details

The BMO® AIR MILES®† World Elite®* Mastercard®* offers new cardholders 2,000 AIR MILES Bonus Miles when they spend at least $3,000 within the first three months of opening the account. Plus, BMO will waive the annual fee for the first year.

Regular features and benefits of this card include:

  • Annual fee: $120
  • Annual fee for additional cards: $50
  • Earn one Mile for every $10 in purchases, including delivery.

This card features complimentary membership to Mastercard Airport Experiences provided by LoungeKey, with two free annual passes. Cardholders also receive travel insurance coverage and 15% off all AIR MILES flights in North America.

Offer expiry date: October 31, 2021

5. SimplyCash™ Card from American Express

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$100
+ Annual rewards
$368
- Annual fee
$0
Total first year value
$468
SimplyCash® Card from American Express

card image
Welcome bonus
$100
AMEX Cashback Rewards
Annual rewards
$368
AMEX Cashback Rewards
Annual fees:
$0
Interest rates:
20.99% on purchases • 21.99% on cash advances
No annual fee cash back card with no limits on how much you can earn
Includes insurance and access perks
Details at a glance Collapse details
Welcome bonus
$100
Annual rewards
$368
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$100
+ Annual rewards
$368
- Annual fee
$0
Total first year value
$468
Annual fees:
$0
Interest rates:
20.99% on purchases
21.99 on cash advances
No annual fee cash back card with no limits on how much you can earn
Includes insurance and access perks
Details at a glance Collapse details

In their first 10 months, new cardholders of the SimplyCash™ Card from American Express can earn a $10 statement credit for each monthly billing period in which they spend $300 in purchases on their Card. This could add up to $100 in statement credits in the first 10 months

Regular features and benefits of this card include:

  • Annual fee: $0
  • Annual fee for additional cards: $0
  • Earn 2% cash back on eligible gas and grocery purchases in Canada (up to $300 cash back annually)
  • Earn 1.25% cash back on all other purchases, including takeout and delivery.

This card also features shopping coverage, and all that American Express Invites® provides. That means cardholders can get exclusive access to events, special offers and experiences.

Offer expiry date: N/A subject to change without notice

6. Tangerine Money-Back Credit Card

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$100
+ Annual rewards
$309
- Annual fee
$0
Total first year value
$409
Tangerine Money-Back Credit Card

card image
Welcome bonus
$100
Money-Back Rewards
Annual rewards
$309
Money-Back Rewards
Annual fees:
$0
Interest rates:
19.95% on purchases • 19.95% on cash advances
2024 Winner – Best Student Credit Card
Flexible no-fee card with ability to choose what categories earns you the most cash back
Details at a glance Collapse details
Welcome bonus
$100
Annual rewards
$309
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$100
+ Annual rewards
$309
- Annual fee
$0
Total first year value
$409
Annual fees:
$0
Interest rates:
19.95% on purchases
19.95 on cash advances
2024 Winner – Best Student Credit Card
Flexible no-fee card with ability to choose what categories earns you the most cash back
Details at a glance Collapse details

The Tangerine Money-Back Credit Card offers new cardholders a 1.95% promotional interest rate on balance transfers during the first 30 days for six months. A 1% balance transfer fee does apply.

Regular features and benefits of this card include:

  • Annual fee: $0
  • Annual fee for additional cards: $0
  • Earn 2% cash back in up to three categories out of 10 available options (including restaurants). Cardholders start with two categories and earn the third when choosing to deposit their Money-Back Rewards into a Tangerine Savings Account. Members can switch up their preferred categories to suit their spending habits.
  • Earn 0.5% cash back on all other purchases.

Cardholders can also get free additional cards for authorized users and basic shopping coverage.

Offer expiry date: N/A subject to change without notice

7. HSBC +Rewards™ Mastercard®

*Best of Finance Winner: Best Credit Card for Paying Down Your Balance in Canada for 2020

New applicants of the HSBC +Rewards™ Mastercard® can earn 30,000 Points when they spend at least $2,000 in the first 180 days. That is a $150 travel value. Plus, HSBC will rebate the annual fee for the primary cardholder for the first year.

Regular features and benefits of this card include:

  • Annual fee: $25
  • Annual fee for additional cards: $10
  • Earn two points for every $1 spent on eligible dining and entertainment purchases.
  • Earn one point for every $1 spent on all other purchases.

This card features a low annual interest rate on purchases, cash advances and balance transfers (11.9%). Cardholders can also access insurance coverage and the rare price protection feature.

This offer is not available for residents of Quebec. For Quebec residents, please click here.

Offer expiry date: April 19, 2021

Rates, product information, and reward estimates are subject to change at any time and do not constitute financial advice. This post was not sponsored. The views and opinions expressed in this review are purely those of RATESDOTCA. Information in this article is accurate as of the date of this posting, March 1, 2021. Read our full disclaimer.

Hayley Osmond

Hayley Osmond is an editor and writer in the personal finance space, where she uses her eight years of media and marketing experience to bring content to life. She specializes in money products, including mortgages, home and auto insurance, and credit cards. Hayley holds a Broadcast Journalism diploma from Sheridan College and was awarded the Shaw Media Journalism and Media Award for graduating at the top of her class. Her work has appeared in Global News and diverse digital corporate training materials behind the scenes.

Hayley is passionate about making complex subjects, such as home buying and financial literacy, concise and intriguing. Her work has garnered media coverage from The Globe and Mail, blogTO, Yahoo! News, and CityNews 680 and has been syndicated across other publications.

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