^For heavy grocery spending the Amex Cobalt is good as well, 5% back for groceries, $120 annual fee (charged $10 monthly) with a decent signup bonus. The only snag is some places dont take Amex (almost all do that I have seen except Superstore). The Amex Cobalt (and Scotia Momentum) really work well when buying gift cards at grocery stores, I buy Amazon gift cards at Sobeys quite often for the 5% back
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