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Canada's 10 Best Gas Credit Cards of January 2026
Published Jan 3, 2026 4:08 PM • 8 min read
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Lead Writer
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Credit Card ExpertEveryday expenses add up, especially in this economy. If you're constantly fuelling up on gas and continuously frustrated by the cost, then it might be time to find a gas-optimizing credit card. In this blog post, we’ve rounded up the best gas credit cards in Canada across several categories. Choose between gas cards that specialize in cashback, 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.
SimplyCash™ Preferred Card from American Express: Best Overall
American Express Cobalt® Card: Best Points Card
MBNA Smart Cash Platinum Plus® Mastercard®: Best No Fee
CIBC Dividend® Visa Infinite* Card: Best Initial Cashback
Neo World Elite® Mastercard®: Best Cashback Booster
Scotiabank Gold American Express® Card: Best Multiple Earn Categories
RBC ION+ Visa: Best Avion
BMO CashBack® World Elite® Mastercard®: Best Roadside Assistance
CIBC Dividend Platinum® Visa* Card: Best Accessible Cashback
CIBC Costco Mastercard: Best Costco Gas
Best Gas Credit Cards in Canada
Our choice for: Best Overall
APPLY NOW
on American Express' website
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
300Poor
693Fair
743⁎Good
790⁎Very Good
833⁎Excellent
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
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
$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
**Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
Our choice for: Best Points Card
APPLY NOW
on American Express' website
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
300Poor
693Fair
743⁎Good
790⁎Very Good
833⁎Excellent
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
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
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™.svg)
Travel Credit
Book two or more consecutive nights at participating properties through The Hotel Collection with American Express Travel to receive a $100 credit for amenities or a complimentary room upgrade, if available.
Eligibility
Credit Score
GoodAnnual Income
N/A
**Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information.
Our choice for: Best No Fee
APPLY NOW
on MBNA's website
Welcome Bonus
Up to 5% cash back††
Annual Fee
$0
Interest Rates
21.99% / 22.99%
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
3.2/5
The MBNA Smart Cash Platinum Plus Mastercard is a solid no-fee card for those looking to earn rewards on everyday essentials like gas and groceries. However, with a cap on rewards and a low base earn rate on other purchases, it may not be the best fit for high spenders outside of these categories.
Pros
- High intro grocery optimization
- High intro gas optimization
- Decent ongoing earn rates
- Comprehensive insurance
- No annual fee
- Car rental insurance
- Car rental discounts
Cons
- Low base earn rate
- Cashback spending caps
Rewards
- Get 2% Cash Back‡ on eligible gas and grocery purchases (until the total gas and grocery purchases in the applicable month reaches $500)
- Get 0.5% Cash Back‡ for all other eligible purchases
Insurance
Coverage
Purchase Protection
Up to 90 daysExtended Warranty
Up to a yearCar Rental Damage & Theft
Up to 31 days
Car Rental Accident
$300,000.svg)
Car Rental Personal Effects
$1,000Common Carrier Travel Accident Insurance
$1,000,000Car Rental Personal Effects
$1,000/person, $2,000 occurrence
Benefits
Details
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car in Canada and US and 5% internationally
Trip and legal Assistance
Support for emergency cash transfer, lost document and ticket replacement, lost baggage assistance, pre-trip information and legal assistance while traveling
Eligibility
Credit Score
GoodAnnual Income
N/A
*‡, ††, ✪, Terms and Conditions apply. This offer is not available for residents of Quebec. Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button. The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank. Check here for full details and current product information.
Our choice for: Best Initial Cashback
APPLY NOW
on CIBC's website
Welcome Bonus
Earn up to $450 in value†
Annual Fee
$120 $0
Interest Rates
20.99% / 22.99%□
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
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
$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
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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
GoodAnnual Income
$60,000 personal or $100,000 household
Our choice for: Best Cashback Booster
APPLY NOW
on Neo Financial's website
Welcome Bonus
N/A
Annual Fee
$125
Interest Rates
19.99% - 26.99%□ / 22.99% - 28.99%
RECOMMENDED CREDIT SCORE
300Poor
560⁎Fair
660⁎Good
725⁎Very Good
760⁎Excellent
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% cash back at over 10,000 Neo Partners
Insurance
Coverage
Travel Medical Insurance
Up to $1,000,000
Trip Cancellation
$1,000
Trip Interruption
$1,000Flight Delay
$500Baggage Delay
$1,000Hotel Burglary Insurance
$1,000Car Rental Accident
$100,000 for cardholder, up to $10,000 per Spouse or Dependent ChildCar Rental Damage & Theft
YesCar Rental Personal Effects
$1,000Purchase Protection
90 daysExtended Warranty
1 yearLost or Stolen Baggage
$1,000
Benefits
Details
Airport Lounge - Dragon Pass
Pass only - pay $32 USD per visit
Eligibility
Credit Score
FairAnnual Income
$80,000 personal or $150,000 household
Our choice for: Best Multiple Earn Categories
APPLY NOW
on Scotiabank's website
Welcome Bonus
Earn up to $850 in welcome offers
Annual Fee
$120
Interest Rates
20.99% / 22.99%
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
4.9/5
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. The first-year annual fee waiver is the cherry on top, providing even greater value to cardholders.
Pros
- No foreign transaction fees
- Well-rounded rewards
- 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
Insurance
Coverage
Travel Medical Insurance
$1M, Up to 25 daysTravel Medical Insurance (65+)
$1M, Up to 3 daysTrip Cancellation
$1,500/person, $10,000/tripTrip 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 $CADAmerican 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
*Terms and conditions apply. See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information. Check here for full details and current product information.
Our choice for: Best Avion
APPLY NOW
on RBC's website
Welcome Bonus
Get up to 21,000 Avion points^ - that’s up to $150 of value in gift cards!
Annual Fee
$48
Interest Rates
20.99% / 22.99%□
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
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
Cons
- Weaker ION tier
- Limited insurance
Rewards
- Earn 3X Avion points for every $1 spent on groceries, dining, gas, food delivery, rideshare, streaming services and more2
- Earn 1X Avion point for every $1 spent on all other qualifying purchases2
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
Up to a yearMobile Device Insurance
$1,000
Benefits
Details
Gas Discount
Save 3¢/L instantly at the pump and get 20% more Petro-Points and 20% more Avion points
Extra points
Earn 1 extra Moi point for every $2 spent at participating Moi Rewards stores (minimum purchase required)Extra points
50 Be Well points for every $1 spent on eligible products at RexallDiscount
Add your credit card to your DoorDash account and get a 6-month complimentary DashPass subscription
Eligibility
Credit Score
GoodAnnual Income
N/A
*Refer to RBC page for up to date offer terms and conditions. The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions. Check here for full details and current product information.
Our choice for: Best Roadside Assistance
APPLY NOW
on BMO's website
Welcome Bonus
Get up to $650 in value
Annual Fee
$120 $0
Interest Rates
21.99% / 23.99%□
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
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.
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
$5M up to 8 days per covered personCommon Carrier Travel Accident Insurance
$500,000Flight Delay
$500 After 4 hours delayLost or Stolen Baggage
$500/person, $1,000 maximumBaggage Delay
$500/person, $1,000 maximum After 6 hoursHotel Burglary Insurance
$1,000Car Rental Damage & Theft
$65K MSRP up to 48 daysPurchase 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
Including battery boosts, flat-tire change, lockout service and towing – a $69/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 toolHotel Booking Discount
Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada.
Global Data Roaming plan
With FlexiRoam, stay connected around the world without a SIM card and get up to 15% off a Global Data Roaming plan plus up to 3GB of data, without any additional charges, if apply.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
*BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information. Check here for full details and current product information.
Our choice for: Best Accessible Cashback
APPLY NOW
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
300Poor
560Fair
660Good
725⁎Very Good
760⁎Excellent
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
APPLY NOW
on CIBC's website
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660Good
725⁎Very Good
760⁎Excellent
2.8/5
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
$1000Purchase Protection
Up to 90 daysExtended Warranty
Up to a year
Eligibility
Credit Score
Very 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 cashback rates on gas, look no further than the SimplyCash Preferred Card from American Express, one of the best cashback 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 points cards: 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 No-Fee: MBNA Smart Cash Platinum Plus Mastercard
Perhaps you're looking for gas credit card with no annual fee. In that case, try the MBNA Smart Cash Platinum Plus Mastercard. This card earns you decent cashback on both gas and grocery purchases. The insurance is pretty good as well, offering plenty of car rental coverage and travel accident insurance. For benefits, cardholders receive car rental discounts at Avis and Budget locations and trip and legal assistance. More information is available in our MBNA Smart Cash Premium Plus Mastercard Review.
Best Initial Cashback: CIBC Dividend Visa Infinite Card
The CIBC Dividend Visa Infinite Card collects admirable cashback on gas and groceries, plus decent cashback 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 station, plus car rental discounts at participating Avis and Budget Locations. For the full details, check out our CIBC Dividend Visa Infinite Card Review.
Best Cashback Booster: Neo World Elite Mastercard
At first glance, the Neo World Elite Mastercard, one of the best credit cards in Canada, already offers impressive cashback rates on gas. That said, if you happen to purchase fuel from participating Neo partners, you can boost your cashback rates even higher. Gas partners include Shell, Esso, and Petro Canada. This card also optimizes groceries and recurring purchases, with the same cashback-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 Review.
Best Multiple Earn Categories: Scotiabank Gold American Express Card
For amazing point-potential on multiple categories, apply for the Scotiabank Gold American Express Card. This card earns your plenty of Scene+ points on groceries, dining, entertainment, gas, transit, streaming, and more. In addition to solid insurance, cardholders receive 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 the full details, read our Scotiabank Gold American Express Card Review.
Best Avion: RBC ION+ Visa Card
Are you all about Avion? In that case, 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 cashback 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+, plus 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 Cashback: CIBC Dividend Platinum Visa Card
Want cashback that's a little more accessible? Consider the CIBC Dividend Platinum Visa Card, a cashback contender with low annual income requirements. This card earns you solid cashback 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 cashback 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
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 or budget-friendly options like the MBNA Smart Cash Platinum Plus Mastercard.
Cardholders who want as many points or cashback on gas as possible might opt for the BMO eclipse Visa Infinite Card, the CIBC Dividend Visa Infinite Card, or the SimplyCash Preferred Card.
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. Just make sure that you’re ultimately selecting a credit 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.
If you want to avoid annual fees completely, the More Rewards RBC Visa Card is one of the best gas credit cards available. It earns rewards on gas, EV charging, dining, and partner purchases, plus it includes mobile device insurance. Cardholders can also expect benefits like discounts and bonus points at Petro-Canada stations.
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.
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Sara Skodak
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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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