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True Cost (NEP) is an estimate based on publicly available flyer and rewards data. Rewards are calculated per item. Monthly spending caps on some cards may affect actual rewards. This is not financial advice. Actual savings may vary depending on store, region, and individual card or loyalty terms. All prices shown are pre-tax and reflect the advertised flyer price. Most basic groceries are tax-free in Canada (0% GST/HST). Applicable taxes may apply at checkout for certain items. Product images are for illustration purposes only and may not represent exact packaging or appearance.