Canada's 10 Best Gas Credit Cards of November 2026
Published Oct 19, 2026 11:53 AM • 7 min read
Everyday expenses add up, especially in this economy. If you're constantly fuelling up on gas and frequently frustrated by the cost, it's time to find a fuel-optimizing credit card. In this post, we’ve rounded up high-ranking gas credit cards across several categories. Choose between gas cards that specialize in cash back, points or no annual fees.
Data-driven rankings of 120+ credit cards using a proprietary algorithm
Comprehensive analysis using 25+ data points including terms and conditions, points programs, and more
Objective editorial approach - we strive for unbiased reviews following our editorial guidelines
FinlyWealth's credit cards content, including rankings and recommendations, is overseen by a team of engineers and writers who specialize in credit cards, banking, and personal finance. Our work has been featured in The Globe and Mail, GoBankingRates, and AOL. Our proprietary analysis systems evaluate product features, terms, and conditions to deliver comprehensive reviews and comparisons while maintaining strict editorial standards for accuracy and integrity.
Best Gas Credit Cards in Canada
Our choice for: Best Overall
Welcome Bonus
Up to $250 ($200 in first year)
Annual Fee
$119.88⁕
$9.99 Paid Monthly
⁕ For Quebec, $119/year
Interest Rates
21.99%* / 21.99%*
RECOMMENDED CREDIT SCORE
4.6/5
The Simply Cash Preferred is one of the best cashback credit cards in Canada. The base cashback rate of 2% is great for all purchases, but the 4% on groceries and gas, which are two of the highest expenses for most people is the cherry on top of their great cashback program.
Awards & Recognition
Best Gas Credit Card
2026
Pros
- High cashback rates
- Solid base rate
- Comprehensive insurance
- Instant decision. No credit impact.
Cons
- Annual cashback redemptions
- Lower acceptance
- Annual fee
Rewards
- 4% cash back on eligible gas station purchases in Canada
- 4% cash back on eligible grocery purchases in Canada (up to $1,200 cash back annually)
- 2% cash back on all other eligible purchases
Insurance
Coverage
Travel Medical Insurance (64 & under)
$5M/insured Person
Flight Delay
$500Baggage Delay
$500
Hotel Burglary Insurance
$500
Lost or Stolen Baggage
$500
Common Carrier Travel Accident Insurance
$100,000.svg)
Car Rental Damage & Theft
$85K up to 48 days
Mobile Device Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year
Benefits
Details
Amex Experiences™
Access events and special offers curated for Cardmembers with Amex Experiences™
Eligibility
Credit Score
GoodAnnual Income
N/A
Our choice for: Best Shell Savings
on Scotiabank's website
Welcome Bonus
Earn up to $1,100 in welcome offers, first year rewards and savings value, including up to 65,000 bonus Scene+ points.1
Annual Fee
$120
Interest Rates
21.99% / 22.99%
RECOMMENDED CREDIT SCORE
5/5
The Scotiabank Gold American Express® Card is one of our favorite cards. It has a very solid rewards program, earning one of the highest rewards among all credit cards in Canada. In addition, it offers comprehensive travel benefits, including the rare and valuable no foreign transaction fee benefit, making it a great and balanced credit card in terms of both rewards and benefits.
Pros
- No foreign transaction fees
- Well-rounded rewards
- Shell Fuel Savings
- Comprehensive insurance
- Flexible redemptions
Cons
- Limited acceptance
- No lounge access
- Annual fee
Rewards
- Earn 6x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more*
- Earn 5x Scene+ points for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.*
- Earn 5x Scene+ points for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.*
- Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more*
- Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible select streaming services*
- Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
- Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
- Rates, fees and other information are effective as of July 2, 2026. Subject to change.
Insurance
Coverage
Travel Medical Insurance (64 & under)
$1M, Up to 25 daysTravel Medical Insurance (65+)
$1M, Up to 3 days
Trip Cancellation
$1,500/person, $10,000/trip
Trip Interruption
$1,500/person, $10,000/tripLost or Stolen Baggage
$500/person, $1,000/tripBaggage Delay
$500/person, $1,000/trip After 4 hoursFlight Delay
$500/personCommon Carrier Travel Accident Insurance
$500K/person, $1M/occurrenceCar Rental Damage & Theft
$65K up to 48 daysHotel Burglary Insurance
$1,000/occurrenceMobile Device Insurance
$1,000Purchase Protection
90 daysExtended Warranty
Up to 1 year
Benefits
Details
No Foreign Transaction Fees
Avoid the 2.5% foreign transaction fees incurred when spending in non $CAD.svg)
Gas Discount2
Get up to 12¢/L in value on fuel purchases at Shell stationsAmerican Express® Experiences
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Concierge Services
Discount
Discount on PriorityPass Membership
Eligibility
Credit Score
GoodAnnual Income
$12,000 personal or $12,000 household
Our choice for: Best Cashback Booster
on Neo Financial's website
Finly exclusive offer
Welcome Bonus
Get your first year annual fee waived ($149 value) exclusively through us.*
Annual Fee
$149 $0
Interest Rates
19.99% - 26.99%□ / 22.99% - 28.99%
RECOMMENDED CREDIT SCORE
4.6/5
This card offers some of the highest cash back rates in Canada for gas, groceries, and recurring purchases, which is pretty hard to beat. While the cash back rates are very high, you need to mind the spend caps set for each category to see if your earning potential is really that high compared to most other credit cards. However, if you're the average person whose spending is generally below $12k per year in groceries, $6k per year in recurring bills and $12k per year in gas, then you'll be doing pretty well, especially with the great insurance and benefit offers.
Awards & Recognition
Best Cash Back Credit Card
2026
Pros
- High cashback rates
- Premium insurance coverage
- Airport lounge membership
- Boosted partner cashback
- Instant approval and access
Cons
- High income requirements
- Spending caps
- Annual fee
Rewards
- 5% cash back on grocery purchases up to $1,000 spending per month
- 4% cash back on recurring purchases up to $500 spending per month
- 3% cash back on gas purchases up to $1,000 spending per month
- 1% cash back on all other purchases with no spending caps
- Up to 15% boosted cashback at thousands of partners across Canada - on top of base cashback rates
Insurance
Coverage
Travel Medical Insurance (64 & under)
Up to $1,000,000Trip Cancellation
$1,000Trip Interruption
$1,000Flight Delay
$500Baggage Delay
$1,000Hotel Burglary Insurance
$1,000
Car Rental Accident
$100,000 for cardholder, up to $10,000 per Spouse or Dependent ChildCar Rental Damage & Theft
Yes.svg)
Car Rental Personal Effects
$1,000Purchase Protection
90 daysExtended Warranty
1 yearLost or Stolen Baggage
$1,000
Mastercard Zero Liability Protection
Yes
Benefits
Details
Airport Lounge - Dragon Pass
Pass only - pay $32 USD per visit
World Mastercard Benefits
Including discounting with participating partners and DragonPass airport lounge access.
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
Our choice for: Best Travel
on Scotiabank's website
Welcome Bonus
Earn up to $1,350 in first year welcome offers, rewards and savings*, including up to 45,000 bonus Scene+ points1
Annual Fee
$150
Interest Rates
20.99% / 22.99%
RECOMMENDED CREDIT SCORE
4.8/5
The Scotiabank Passport Visa Infinite + is a strong choice for frequent travelers, especially those who value flexibility and premium perks. It stands out with its rare benefit of no foreign transaction fees, making international purchases more cost-effective. Additionally, the card offers a valuable blend of travel perks, including airport lounge access, comprehensive insurance coverage, and flexible rewards, making it an ideal companion for those who frequently travel abroad and want to avoid extra fees while enjoying premium benefits.
Awards & Recognition
Best Travel Credit Card
2026
Pros
- High rewards
- No foreign transaction fees
- Airport lounge access
- Shell Fuel Savings
- Comprehensive insurance
- Generous intro offer
Cons
- High income requirements
- High annual fee
Rewards
- Earn 3x Scene+™ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more†
- Earn 2x Scene+™ points for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways taxis and more)†
- Plus earn 1 Scene+™ point for every $1 spent on all other eligible everyday purchases†
- Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia†
Insurance
Coverage
Travel Medical Insurance (64 & under)
$2M/insured up to 25 daysTravel Medical Insurance (65+)
$2M/insured up to 3 daysTrip Cancellation
$1,500/person, $10,000/tripTrip Interruption
$2,500/person, $10,000/tripFlight Delay
$500/person after 4 hoursLost or Stolen Baggage
$1,000Baggage Delay
$1,000Common Carrier Travel Accident Insurance
$500,000/insured, $1M combinedCar Rental Damage & Theft
$65,000 up to 48 daysHotel Burglary Insurance
$1,000Purchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
No Foreign Transaction Fees
Avoid the usual 2.5% forex fees on your purchases when you travel outside of CanadaAirport Lounge - Dragon Pass
6 Free complimentary visitsGas Discount2
Get up to 10¢/L in value on fuel purchases at Shell stations.svg)
Status lift
Avis® Preferred Plus membershipConcierge Services
Discount**
Yearly GigSky 1GB/15-Day plan, 20% off future purchases, and 10GB of global data for 15 days with Travel Essentials
Visa Infinite Exclusive Benefits
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
Our choice for: Best Points Card
Welcome Bonus
Up to 15,000 Membership Rewards® points
Annual Fee
$191.88⁕
$15.99 Paid Monthly
⁕ For Quebec, $191.88/year
Interest Rates
21.99%* / 21.99%*
RECOMMENDED CREDIT SCORE
4.9/5
This card was voted one of the Best Credit Card in Canada by FinlyWealth. The rewards earned on this card for a person with average spending exceed those of other credit cards in Canada by a huge margin! In addition, this card has a good benefits coverage, a flexible amex cobalt bonus points redemption program (1:1 transfer to Aeroplan® or Avios), making it the best candidate to become the main credit card for the majority of people.
Awards & Recognition
Best Travel Rewards Credit Card
2026
Pros
- Impressive optimization
- 1:1 Aeroplan point transfer
- Generous welcome bonus
- Flexible high value redemptions
- Comprehensive coverage
- Highly ranked
- Instant decision. No credit impact.
Cons
- Limited acceptance
- Lacks valuable coverage categories
Rewards
- 5x points per $1 spent on eligible eats and drinks in Canada, including groceries and food delivery (up to 12,500 points per month)
- 3x points per $1 spent on eligible streaming subscriptions in Canada
- 2x points per $1 spent on eligible gas, transit & ride share in Canada
- 1x point per $1 spent on all other purchases
Insurance
Coverage
Travel Medical Insurance (64 & under)
15 days, up to $5M (if under age 65)Flight Delay
$500Baggage Delay
$500Hotel Burglary Insurance
$500Lost or Stolen Baggage
$500Common Carrier Travel Accident Insurance
$250,000Car Rental Damage & Theft
yesMobile Device Insurance
$1,000Purchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
Amex Experiences™
Access Front Of The Line® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences™
Eligibility
Credit Score
GoodAnnual Income
N/A
Our choice for: Best Initial Cashback
on CIBC's website
Welcome Bonus
Earn up to $350 in value†
Annual Fee
$120 $0
Interest Rates
20.99% / 22.99%□
RECOMMENDED CREDIT SCORE
3.4/5
The CIBC Dividend® Visa Infinite Card* is an excellent choice for those who spend heavily on gas, EV charging, and groceries, offering one of the best cash back rates in those categories. The 10% cash back welcome offer sweetens the deal for new cardholders, though the high income requirements and annual fee may not make it the best fit for everyone. If you can meet the spending and income criteria, it provides solid value, especially with no limits on the total amount of cash back you can earn.
Pros
- First-year fee rebate
- High cashback rates
- Unlimited cashback earnings
- Fuel savings
- Car rental discounts
Cons
- High income requirements
- Annual fee
- Lower insurance coverage
Rewards
- 4% cashback on Gas and Groceries if they are in the first $80K transactions of the year and $20K of categorical spends
- 2% cashback on Transportation, Dining and Recurring payments if they are in the first $80K transactions of the year and $20K of categorical spends
- 1% cashback on all other credit card purchases.
Insurance
Coverage
Travel Medical Insurance (64 & under)
$5 Million per person, per trip. 10 day coverageCar Rental Damage & Theft
$65KCommon Carrier Travel Accident Insurance
$500KMobile Device Insurance
$1000 per person, per occurrencePurchase Protection
90 daysExtended Warranty
Up to a year
Benefits
Details
Gas Discount
save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations
Car Rental Discount
Get up to 25% off auto rentals at participating Avis and Budget locations worldwide.
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
Our choice for: Best Avion
on RBC's website
Welcome Bonus
Get 14,000 Avion points^ - that's $100 of value in gift cards†! Apply by January 12, 2027.
Annual Fee
$48
Interest Rates
20.99% / 22.99%□
RECOMMENDED CREDIT SCORE
4.5/5
The RBC Ion+ Visa delivers exceptional value for its modest $48 annual fee, offering an impressive 3x Avion points on a comprehensive range of everyday spending categories including groceries, dining, gas, streaming, and transit. What makes this card particularly appealing is its standout mobile device insurance coverage up to $1,000 for two years, plus the fee waiver for students with qualifying RBC accounts. While the card earns Avion Premium points, they can be converted 1:1 to the more valuable Avion Elite points when paired with an eligible RBC Avion card, unlocking premium travel redemptions and airline transfers, making this one of the best low-cost rewards cards available in Canada.
Pros
- Petro Canada perks
- Generous welcome bonus
- Solid optimization
- Mobile device insurance(3)
Cons
- Weaker ION tier
- Limited insurance
Rewards
- Earn 3X Avion points for every $1 spent on groceries, gas, dining, food delivery, rideshare, streaming services and more1
- Earn 1X Avion point for every $1 spent on all other qualifying purchases1
Insurance
Coverage
Purchase Protection3
90 daysExtended Warranty3
Up to a yearMobile Device Insurance3
$1,000
Benefits
Details
Gas Discount
Save 3¢/L on fuel and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card(4)
Extra points
50 Be Well™ points on every $1 spent on eligible purchases at Rexall(5)Discount
Add your credit card to your DoorDash account and get a 6-month complimentary DashPass subscription(6)Extra points
Earn 1 extra Moi point for every $2 spent at participating Moi Rewards stores (minimum purchase required)(8)
Eligibility
Credit Score
GoodAnnual Income
N/A
Our choice for: Best Roadside Assistance
on BMO's website
Welcome Bonus
Get up to $650 in value*
Annual Fee
$139 $0
Interest Rates
21.99% / 23.99%□
RECOMMENDED CREDIT SCORE
4.1/5
If you're seeking a cashback credit card, the BMO CashBack® World Elite® Mastercard® stands out for its excellent balance between rewards and benefits. It offers a robust rewards program and a comprehensive benefits list, making it a solid choice. The high first-year value is enhanced by the annual fee waiver, and those with a BMO Premium Chequing Account can enjoy continued fee waivers. While it's highly ranked for rewards alone, it may not be the absolute top choice if benefits are less important to you.
Awards & Recognition
Best Roadside Assistance Card Credit Card
2026
Pros
- Impressive cashback rates
- Rare roadside assistance
- Comprehensive insurance and benefits
- High first-year value
Cons
- Lacks restaurant optimization
- Low monthly cashback caps
Rewards
- 5% cash back on groceries (capped at $500 spending per statement, maximum of $25 in cashback per statement cycle)*
- 4% cash back on daily transit (capped at $300 spending per statement, maximum of $12 in cashback per statement cycle)*
- 3% cash back on gas (capped at $300 spending per statement, maximum of $9 in cashback per statement cycle)*
- 2% cash back on recurring payments (capped at $500 spending per statement, maximum of $10 in cashback per statement cycle)*
- 1% cash back on all other eligible purchases*
Insurance
Coverage
Travel Medical Insurance (64 & under)
$5M up to 8 days per covered person*Common Carrier Travel Accident Insurance
$500,000Flight Delay
$500 After 4 hours delay*Lost or Stolen Baggage
$500/person, $1,000 maximum*Baggage Delay
$500/person, $1,000 maximum After 6 hours*Hotel Burglary Insurance
$1,000Car Rental Damage & Theft
$65K MSRP up to 48 days*Purchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
Airport Lounge - Dragon Pass
Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit.*
Roadside Assistance
Complimentary Roadside Assistance Program*; Including battery boosts, flat-tire change, lockout service and towing – a $75/year value.*Car Rental Discount
Save up to 20% on National Car Rental® and Alamo Rent A Car® and up to 5% on Enterprise Rent-A-Car® at locations worldwide using the Car Rental Booking tool.*Discount
Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
Our choice for: Best Accessible Cashback
on CIBC's website
Welcome Bonus
Earn up to $400 in value†
Annual Fee
$99 $0
Interest Rates
20.99% / 22.99%□
RECOMMENDED CREDIT SCORE
2.8/5
The CIBC Dividend Platinum® Visa Card* offers great cash back rates, especially for gas and groceries, with a lower annual fee of $99. It's a solid option for households with lower income requirements, and the fuel savings with Journie Rewards add extra value. However, the limited insurance coverage and the annual fee might make other cards more attractive if you're looking for more benefits.
Pros
- Generous welcome bonus
- Solid cashback rates
- Fuel savings
- Rental car savings
- Low income requirements
Cons
- Limited insurance
- Annual fee
Rewards
- 3% cashback on gas and groceries if they are in the first $80K transactions of the year and $20K of categorical spends
- 2% cashback on transportation, dining and recurring bills if they are in the first $80K transactions of the year and $20K of categorical spends
- 1% cashback on all other eligible card purchases
Insurance
Coverage
Car Rental Damage & Theft
yesCommon Carrier Travel Accident Insurance
$500,000Purchase Protection
90 daysExtended Warranty
Up to a year
Benefits
Details
Gas Discount
save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stationsCar Rental Discount
Get up to 25% off auto rentals at participating Avis and Budget locations worldwide.
Eligibility
Credit Score
Very GoodAnnual Income
$15,000 household
Our choice for: Best Costco Gas
on CIBC's website
Welcome Bonus
N/A
Annual Fee
$0
Interest Rates
20.75% / 22.49%
RECOMMENDED CREDIT SCORE
2/5
The CIBC Costco Mastercard offers one of the highest cashback rates on restaurant purchases in Canada, making it an excellent choice for optimizing rewards in this specific category, especially since it has no annual fees. If you use Costco Gas or shop on Costco Online, there is a decent cashback rate as well. However, for other categories, the cashback rate is average. Notably, you will be better off using other credit cards for warehouse Costco purchases, as you will only earn 1% cashback. If you are looking for no annual fee credit cards only, this is a good card to go for.
Pros
- Decent overall reward rates
- High dining optimization
- Mobile device insurance
Cons
- Limited benefits
- No Costco warehouse optimization
Rewards
- 3% cash back on Restaurants
- 3% cash back on Costco Gas stations and 2% cash back on non-Costco Gas up to a combined maximum of $5,000 in spending (max $150 cashback per year)
- 2% cash back on Costco.ca purchases up to $8,000 in spending (max $160 cashback per year)
- 1% on everything else
Insurance
Coverage
Mobile Device Insurance
$1,000Purchase Protection
Up to 90 daysExtended Warranty
Up to a year
Eligibility
Credit Score
GoodAnnual Income
$15,000 personal
From Our Editors: The Full List of Best Gas Credit Cards in Canada
Best Overall: SimplyCash Preferred Card from American Express
For one of the best cash back rates on gas, look no further than the SimplyCash Preferred Card from American Express, one of the best cash back credit cards in Canada. In addition to gas station purchases, this contender also optimizes groceries. As for add-ons, expect solid insurance coverage and Amex Experiences. While cardholders will need to front an annual fee, this card avoids annual income requirements completely. Learn more in our SimplyCash Preferred Card from American Express Review.
Best Shell Savings: Scotiabank Gold American Express Card
For amazing point-potential on multiple categories, apply for the Scotiabank Gold American Express Card. This card earns you plenty of Scene+ points on groceries, dining, entertainment, gas, transit, streaming, and more. Cardholders also pocket up to 12 cents per litre in value on fuel purchased at Shell stations by linking this card to their Shell Go+ account. In addition to solid insurance, this competitor includes important perks like concierge services, a discount on a Priority Pass membership, and no foreign transaction fees. In fact, this contender is ranked one of the best no foreign transaction fee credit cards in Canada. For full details, read our Scotiabank Gold American Express Card Review.
Best Cashback Booster: Neo World Elite Mastercard – Gas & Grocery
At first glance, the Neo World Elite Mastercard – Gas & Grocery, one of the best credit cards in Canada, already offers impressive cash back rates on gas. That said, if you happen to purchase fuel from participating Neo partners, you can boost your cash back rates even higher. Gas partners include Shell, Esso, and Petro-Canada. This card also optimizes groceries and recurring purchases, with the same cash back boosting opportunities on related partner purchases. For insurance, cardholders receive valuable protections like travel medical, hotel burglary, and lost or stolen baggage insurance. As a perk, expect an airport lounge Dragon Pass membership. To qualify, however, applicants will need to meet some high annual income requirements. Find out more in our Neo World Elite Mastercard – Gas & Grocery Review.
Best Travel: Scotiabank Passport Visa Infinite + Card
While the Scotiabank Passport Visa Infinite + Card doesn't collect Scene+ point on gas directly, it earns up to 10 cents per litre in value on fuel purchased at Shell stations across Canada. All you have to do is link your card to your Shell Go+ account. Pair that with comprehensive coverage and valuable perks like airport lounge access and no foreign transactions fees, and it's no surprise that this contender is ranked one of the best travel credit cards in Canada. See more details in our Scotiabank Passport Visa Infinite + Card Review.
Best Points Card: American Express Cobalt Card
While the American Express Cobalt Card doesn't earn you the most points on gas purchases, the points you collect at the pump are extremely valuable through the American Express Membership Rewards Program, one of the best credit card loyalty programs in Canada. When you earn points on gas, dining, groceries, streaming, transit, and more, you can later redeem those points at a high value towards travel. The coverage on this card is also notable, including protections like flight and baggage delay, travel medical, and travel accident insurance. In addition to Amex Experiences, members receive a hotel-oriented travel credit. The complete breakdown is available in our American Express Cobalt Card Review.
Best Initial Cashback: CIBC Dividend Visa Infinite Card
The CIBC Dividend Visa Infinite Card collects admirable cash back on gas and groceries, plus decent cash back on transportation, dining, and recurring payments. In addition to some insurance coverage like car rental damage and theft insurance, cardholders receive gas discounts at Pioneer, Fas Gas, Ultramar, and Chevron gas stations, plus car rental discounts at participating Avis and Budget locations. For the full details, check out our CIBC Dividend Visa Infinite Card Review.
Best Avion: RBC ION+ Visa Card
Are you all about Avion? If so, consider the RBC ION+ Visa Card. This contender collects decent Avion points on gas, groceries, dining, streaming, and more. On top of purchase protection and extended warranty insurance, cardholders receive valuable mobile device insurance. For perks, expect gas discounts and extra point potential at Petro-Canada, bonus More Rewards points at participating stores, additional Be Well points at Rexall, and DoorDash deals. Get the full report in our RBC ION+ Visa Card Review.
Best Roadside Assistance: BMO Cashback World Elite Mastercard
For the best cash back from BMO, go for the BMO Cashback World Elite Mastercard, earning you impressive rates on groceries, transit, gas, and recurring payments. The coverage is commendable, but the real pull is the perks, including an airport lounge Dragon Pass, discounts on rental cars, hotels, roaming plans, and Instacart+, not to mention rare roadside assistance. In fact, this card is one of the best roadside assistance credit cards in Canada. Learn more in our BMO Cashback World Elite Mastercard Review.
Best Accessible Cash Back: CIBC Dividend Platinum Visa Card
Want cash back that's a little more accessible? Consider the CIBC Dividend Platinum Visa Card, a cash back contender with low annual income requirements. This card earns you solid cash back on gas, groceries, transportation, dining, and recurring bills. The coverage isn't extensive, but the generous discounts on gas and rental cars make up for it. The annual fee is also waived for the first year of membership. See more in our CIBC Dividend Platinum Visa Card Review.
Best Costco Gas: CIBC Costco Mastercard
Constantly fuelling up at Costco? Then get your hands on the CIBC Costco Mastercard. This card earns you strong cash back on Costco Gas station purchases, as well as non-Costco gas, groceries, and Costco.ca purchases. The annual fee is also covered by your Costco membership fee. Read more in our CIBC Costco Mastercard Review.
How to Select the Right Gas Credit Card
A gas credit card is a Visa, Mastercard or American Express credit card that earns cash back or points on fuel purchases, or unlocks per-litre savings at participating gas stations.
To select the right gas credit card for you, you'll want to consider your unique spending habits and financial status.
Those with a low-income might select accessible gas credit cards like the CIBC Dividend Platinum Visa Card.
If income is a concern, the Scotiabank Gold American Express Card lists a $12,000 minimum personal income, the CIBC Costco Mastercard lists a $15,000 minimum personal income, and the CIBC Dividend Platinum Visa Card lists a $15,000 minimum household income. The SimplyCash Preferred Card from American Express has no minimum income requirement.
If you want to skip the annual fee altogether, the CIBC Costco Mastercard also has no annual fee of its own, but it requires a Costco membership.
For a lower fee, try the RBC ION+ Visa Card. The CIBC Dividend Platinum Visa Card, CIBC Dividend Visa Infinite Card, BMO Cashback World Elite Mastercard and Neo World Elite Mastercard – Gas & Grocery all waive the annual fee in the first year.
Cardholders who want as many rewards on gas as possible might opt for cards like the SimplyCash Preferred Card.
For gas perks beyond cash back or points, check out cards like the Scotiabank Gold American Express Card, a Scene+ earning credit card partnered with Shell to unlock exclusive fuel savings.
Where you fill up matters, too. For Shell, the Scotiabank Gold American Express Card and the Scotiabank Passport Visa Infinite + Card work well when linked to a Shell Go+ account. For Petro-Canada, the RBC ION+ Visa Card is a good option. For Ultramar, Chevron, Pioneer and Fas Gas, the CIBC Dividend Visa Infinite Card and CIBC Dividend Platinum Visa Card can save up to generous cents per litre at participating stations. For Esso, the Neo World Elite Mastercard – Gas & Grocery names Esso as a boosted cash back partner.
Gas and Grocery Cash Back Cards Compared
Gas and groceries are two of the biggest everyday expenses, and many of the cards above reward both. Here's how the cash back cards on our list compare.
American Express
4.6
Highest cash back for everyday spending
Neo Financial
4.6
High cash back on groceries & gas
Annual Fee
$119.88
$120
$0 first year$149
$0 first year$139
$0 first year$99
$0 first yearInterest Rates
Purchase
21.99%*
Cash advance
21.99%*
Rate details
Purchase
20.99%
Cash advance
22.99%
Quebec: 21.99%
Balance transfer
22.99%
Purchase
19.99% - 26.99%
Quebec: 19.99% - 23.99%
Cash advance
22.99% - 28.99%
Balance transfer
22.99% - 31.99%
Purchase
21.99%
Cash advance
23.99%
Quebec: 21.99%
Balance transfer
23.99%
Quebec: 21.99%
Purchase
20.99%
Cash advance
22.99%
Quebec: 21.99%
Balance transfer
22.99%
Welcome Bonus
Up to $250 ($200 in first year)
Earn up to $350 in value†
Get your first year annual fee waived ($149 value) exclusively through us.*
Get up to $650 in value*
Earn up to $400 in value†
Rewards
$609.19
First year rewards
$715.08
First year rewards
$625.48
First year rewards
$1,125.28
First year rewards
$679.36
First year rewards
on American Express' website
Apply with Confidence: won't impact your credit score
Welcome Bonus Details
Earn Rates
Insurance Coverage
Extra Benefits
Requirements
How to Apply for a Gas Credit Card
To apply for any of the gas-optimizing credit cards featured above, simply tap the "Apply Now" button featured below your top contender. From there, you'll be redirected to the issuer's official website to kickstart the application process. Credit card applications typically ask for personal information (such as your address, birthdate, and email) and financial information (like your income, when applicable).
Frequently Asked Questions
If you feel like you’re constantly funding your vehicle’s fuel intake, which most of us are, then opting into a credit card with gas perks (whether that be through rewards or benefits) is a good way to support this everyday expense. Ultimately, to ensure you're selecting one of the best credit cards in Canada for you, make sure to pick a gas card that complements your spending habits.
Currently, we deem the SimplyCash Preferred Card from American Express as the best overall gas credit card in Canada. This card offers high cashback rates on gas and groceries, strong insurance overage, and premium perks like Amex Experiences. Although it has an annual fee, there are no income requirements, making it accessible to many Canadians.
To choose the right gas credit card, consider how often you drive, where you usually purchase gas, and whether you prefer cashback or points. Frequent drivers may benefit from premium cards with higher earn rates, whereas occasional drivers may prefer no-fee options instead.
Among the cash back cards on our list, the SimplyCash Preferred Card from American Express and the CIBC Dividend Visa Infinite Card offer the highest rate on gas at 4%. The CIBC card's rate applies within annual spending limits, while the American Express card also earns 2% cash back on all other eligible purchases.
It depends on where you fill up. For Shell, link the Scotiabank Gold American Express Card (up to 12 cents per litre in value) or the Scotiabank Passport Visa Infinite + Card (up to 10 cents per litre in value) to your Shell Go+ account. For Petro-Canada, the RBC ION+ Visa Card saves 3 cents per litre and earns 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card. For Ultramar, Chevron, Pioneer, and Fas Gas, the CIBC Dividend Visa Infinite Card and CIBC Dividend Platinum Visa Card can save up to 10 cents per litre at participating stations. The Neo World Elite Mastercard – Gas & Grocery offers boosted cash back at partners including Shell, Esso, and Petro-Canada.
Four Mastercards made our list. The Neo World Elite Mastercard – Gas & Grocery and the BMO Cashback World Elite Mastercard each earn 3% cash back on gas (up to $1,000 in spending per month with Neo, and up to $300 per statement with BMO). The CIBC Costco Mastercard earns 3% cash back at Costco gas stations and 2% at other gas stations.
On our list, the SimplyCash Preferred Card from American Express earns solid cash back on both gas and groceries. If you want a higher grocery rate, the Neo World Elite Mastercard – Gas & Grocery and the BMO Cashback World Elite Mastercard earn generious cash back on groceries and gas, within their spending limits.
The SimplyCash Preferred Card from American Express earns notable cash back on gas and groceries and the highest everyday (base) rate among the cash back cards in our comparison table.
Among the cards on our list, the Neo World Elite Mastercard – Gas & Grocery is the one that names Esso as a boosted cash back partner, alongside Shell and Petro-Canada.
About the author
Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
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Kevin Shahnazari
Co-founder
Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
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Abid Salahi
Co-founder
Abid leads the design and engineering of the FinlyWealth website, making sure everything runs smoothly and looks great. He’s a seasoned software engineer who follows best practices and designs interfa...
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