Best Credit Card for No Frills
No Frills is part of Loblaw — same PC Optimum stacking applies.
Updated May 25, 2026 · 4 min read · By Loyalty Concierge Editorial
Acceptance at No Frills
Visa: ✓ · Mastercard: ✓ · Amex: ✓
Best cards
AMEX · AMEX
American Express Cobalt Card
Annual fee $192 · FX 2.5%
Best for: Foodies, Groceries and dining
View card details →SCOTIA · AMEX
Scotiabank Gold American Express Card
Annual fee $120 · FX 0%
Best for: Groceries, No-FX everyday spend
BMO · MASTERCARD
BMO CashBack World Elite Mastercard
Annual fee $139 · FX 2.5%
Best for: Grocery-heavy Mastercard shoppers, Costco Canada
No Frills strategy
Same rules as Loblaws — stack PC Optimum with a 5x grocery card.
Common mistakes
- • Not scanning PC Optimum.