Best Credit Cards for Gas in Canada
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If you drive regularly, a credit card with bonus rewards on gas can add up to significant savings over the year. The best gas credit cards in Canada offer 2% to 3% cashback or equivalent points at gas stations and EV charging stations.
Top 11 Cards
Tangerine Money-Back Credit Card
MastercardTangerine · No annual fee
Earn 10% cashback on purchases
Pros
- +No annual fee ever
- +Choose your own 2% cashback categories
- +Simple and flexible rewards structure
Cons
- –Only 0.50% on non-category spending
- –Mastercard network (fewer airport lounges)
Scotia Momentum Visa Infinite Card
VisaScotiabank · $120/year
Earn 10% cashback for 3 months
Pros
- +Excellent 4% grocery cashback rate
- +Good coverage across categories
- +Visa Infinite benefits and insurance
Cons
- –$120 annual fee
- –Need to spend enough on groceries to offset fee
SimplyCash Preferred Card from American Express
AmexAmerican Express · $100/year
Pros
- +Industry-leading 2% flat cashback rate
- +No category restrictions
- +Solid travel insurance
Cons
- –$99.99/year annual fee
- –Amex acceptance limitations
CIBC Costco Mastercard
MastercardCIBC · No annual fee
Pros
- +No annual fee
- +Great earn rates across categories
- +3% on gas and dining
Cons
- –Requires Costco membership
- –Cashback paid as annual certificate
TD Cash Back Visa Infinite Card
VisaTD · $89/year
Earn up to 10% cashback
Pros
- +Strong 3% on groceries, gas, and bills
- +Cashback deposited automatically
- +Visa Infinite benefits and insurance
Cons
- –$89 annual fee
- –Only 1% on non-bonus spending
CIBC Dividend Visa Infinite Card
VisaCIBC · $99/year
Earn 10% cashback for 4 months
Pros
- +Excellent 4% on groceries and gas
- +2% on dining and transit
- +Visa Infinite insurance and perks
Cons
- –$99 annual fee
- –Only 1% base rate
BMO CashBack World Elite Mastercard
MastercardBMO · $120/year
Earn up to 10% cashback for 3 months
Pros
- +Top-tier 5% grocery cashback
- +Strong earn across all daily categories
- +Works at Costco (Mastercard)
Cons
- –$120 annual fee
- –$80,000 household income requirement
Triangle World Elite Mastercard
MastercardCanadian Tire · No annual fee
Pros
- +No annual fee with World Elite benefits
- +4% at Canadian Tire family stores
- +Good gas earn at Petro-Canada/Gas+
Cons
- –CT Money has limited redemption (Canadian Tire stores)
- –$80,000 household income for WE tier
PC Financial World Elite Mastercard
MastercardPC Financial · No annual fee
Pros
- +No annual fee
- +High earn rate at Shoppers Drug Mart
- +Great for Loblaws/No Frills shoppers
Cons
- –Points only redeemable at Loblaw stores
- –$80,000 household income requirement
TD Cash Back Visa Card
VisaTD · No annual fee
Pros
- +No annual fee
- +1% on groceries and gas
- +TD banking integration
Cons
- –Only 0.5% on other spending
- –Outperformed by Tangerine Money-Back
Canadian Tire Mastercard
MastercardCanadian Tire · No annual fee
Pros
- +No annual fee
- +4% back at Canadian Tire and gas bars
- +Good for CT, SportChek, Marks shoppers
Cons
- –Low earn rate outside CT family
- –CT Money only for Canadian Tire stores
Quick Comparison
| Card | Annual Fee | Network | Groceries | Gas | Dining | Travel | Welcome Bonus | |
|---|---|---|---|---|---|---|---|---|
| Tangerine Money-Back Credit Card | No annual fee | mastercard | 2x | 2x | 2x | 0.5x | Earn 10% cashback on purchases | Apply |
| Scotia Momentum Visa Infinite Card | $120/year | visa | 4x | 2x | 1x | 1x | Earn 10% cashback for 3 months | Apply |
| SimplyCash Preferred Card from American Express | $100/year | amex | 2x | 2x | 2x | 2x | — | Apply |
| CIBC Costco Mastercard | No annual fee | mastercard | 2x | 3x | 3x | 2x | — | Apply |
| TD Cash Back Visa Infinite Card | $89/year | visa | 3x | 3x | 1x | 1x | Earn up to 10% cashback | Apply |
| CIBC Dividend Visa Infinite Card | $99/year | visa | 4x | 4x | 2x | 1x | Earn 10% cashback for 4 months | Apply |
| BMO CashBack World Elite Mastercard | $120/year | mastercard | 5x | 3x | 3x | 1x | Earn up to 10% cashback for 3 months | Apply |
| Triangle World Elite Mastercard | No annual fee | mastercard | 1.5x | 4x | 1x | 1x | — | Apply |
| PC Financial World Elite Mastercard | No annual fee | mastercard | 3x | 1x | 1x | 1x | — | Apply |
| TD Cash Back Visa Card | No annual fee | visa | 1x | 1x | 0.5x | 0.5x | — | Apply |
| Canadian Tire Mastercard | No annual fee | mastercard | 1x | 4x | 1x | 1x | — | Apply |
How We Chose These Cards
We evaluated cards on their gas station earn rates, overall value across other spending categories, annual fees, and additional driving-related perks.
We rank cards based on category fit, fees, and commonly used perks. Learn more about our methodology.
Related Resources
Offers and terms can change. Always confirm details on the issuer's website before applying. We are not a bank.