Best Credit Cards for Gas in Canada
This Page's Content Was Last Updated: October 20, 2022
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What You Should Know
- Credit cards offer up to 4% back in cash or rewards on your everyday gas purchases.
- Gas purchases can earn you rewards in the form of cash back, savings per litre or reward points.
- Some credit cards earn you extra points on linking with fuel reward cards.
Gas is an unavoidable expense for many Canadians. Even though you can’t avoid this expense, you may be able to save some money or get rewarded every time you fuel up. Some of the best credit cards in Canada offer cash back rewards, savings per litre or reward points on fuel purchases.
Depending on the card you pick, you may be able to earn rewards at all gas stations or some gas stations. Some credit cards also offer extra points or benefits when you link the credit card with gas reward cards such as Petro-Points or Journie. Most credit cards also offer redemption flexibility and you may be able to use the rewards earned towards gas and other purchases. Listed below are some of the best credit cards for gas in Canada that you can benefit from if you drive regularly.
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9 Best Credit Cards for Gas in Canada
| Credit Card | Annual Fee | Gas Benefits |
| CIBC Dividend Visa Infinite Card | $120 (first-year waived) |
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| TD Cash Back Visa Infinite | $120 (first-year waived) |
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| BMO Eclipse Visa Infinite | $120 (first-year waived) |
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| Scotiabank Gold AMEX Card | $120 (first-year waived) |
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| RBC Ion+ Visa Card | $48 |
|
| Tangerine Money Back Credit Card | $0 |
|
| CIBC Costco Mastercard | $0 |
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| Gas Advantage Mastercard | $0 |
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| Triangle World Elite Mastercard | $0 |
|
CIBC Dividend Visa Infinite Card
Annual Fee: $120 (first-year waived)
Interest Rate: 20.99% on purchases
22.99% on cash advances (21.99% for Quebec residents)
22.99% on cash advances (21.99% for Quebec residents)
Gas Benefits: 4% cash back on eligible gas purchases. Save 10¢/L on linking with Journie Rewards
Rewards +
- 4% cash back on eligible gas and groceries.
- 2% cash back on transit, dining and recurring payments.
- 1% cash back on everything else.
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Perks +
- Save up to 10¢ per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations on linking your card with Journie Rewards.
- Visa Infinite benefits such as access to Visa Infinite Luxury Hotel Collection, Visa Infinite Dining Series and Visa Infinite Concierge.
- Up to 25% off on auto rentals at participating Budget and Avis locations.
- 0.25% cash back on every $1 spent on a CIBC Global Money Transfer.
Insurances +
- Common Carrier Accident Insurance
- Out-of-Province/Country Emergency Medical Insurance
- Rental Car Collision/Damage Insurance
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Eligibility +
- Canadian Resident having reached mature age in the province of residence.
- Minimum annual income of $60,000 or household income of $100,000.
TD Cash Back Visa Infinite Card
Annual Fee: $120 (first-year waived)
Interest Rate: 20.99% on purchases
20.99% on cash advances
20.99% on cash advances
Gas Benefits: 3% cash back on eligible gas purchases
Rewards +
- 10% cash back in the first 3 months (up to a total spend of $2,000). After spending the first $2,000, continue earning 6% cash back on gas, grocery and pre-authorized payments up to a total spend of $3,500 for the first 3 months.
- 3% cash back on eligible gas and grocery purchases.
- 1% cash back on all other purchases.
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Perks +
- Visa Infinite Benefits - 24/7 Concierge, Food and Wine Experiences, Luxury Hotel Collection.
- Complimentary Deluxe TD Auto Club membership.
- 10% off on base rate for car rentals at participating Avis and Budget locations in Canada and the U.S.
Insurances +
- Out-of-Province/Country Emergency Medical Insurance
- Rental Car Collision/Damage Insurance
- Delayed/Lost Baggage Insurance
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Eligibility +
- Canadian Resident having reached mature age in the province of residence.
- Minimum annual income of $60,000 or household income of $100,000.
BMO Eclipse Visa Infinite
Annual Fee: $120 (first-year waived)
Interest Rate: 20.99% on purchases
23.99% on cash advances (21.99% for Quebec residents)
23.99% on cash advances (21.99% for Quebec residents)
Gas Benefits: 5X points on gas purchases
Rewards +
- Earn up to 60,000 bonus points in the first year.
- 5X points on eligible gas, transit, grocery, dining out, takeout and food delivery.
- 1X points on everything else.
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Perks +
- $50 annual lifestyle credit.
- Visa Infinite benefits such as access to Visa Infinite Luxury Hotel Collection, Visa Infinite Dining Series and Visa Infinite Concierge.
Insurances +
- Common Carrier Accident Insurance
- Out-of-Province/Country Emergency Medical Insurance
- Rental Car Collision/Damage Insurance
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Eligibility +
- Canadian Resident having reached mature age in the province of residence.
- Minimum annual income of $60,000 or household income of $100,000.
Scotiabank Gold AMEX Card
Annual Fee: $120 (first-year waived)
Interest Rate: 19.99% on purchases
22.99% on cash advances
22.99% on cash advances
Gas Benefits: 3X points on gas purchases
Rewards +
- Up to 40,000 Scene+ points ($400 travel value) in the first year.
- 6X Scene+ points at Sobey’s, Safeway and other select stores
- 5X Scene+ points on eligible grocery, food, food subscription and entertainment purchases.
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Perks +
- 0% Foreign transaction fee.
- AMEX benefits - AMEX Offers, AMEX Front of the Line, American Express Invites.
- 24/7 Complimentary Concierge.
- Preferred discount on Priority Pass. VIP Lounge Access (No complimentary lounge visits).
Insurances +
- Travel Accident Insurance
- Out-of-Province Emergency Medical Insurance - 25 days for cardholders under the age of 65, 3 days for cardholders over the age of 65
- Rental Car Collision/Damage Insurance - up to 48 days
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Eligibility +
- Canadian Resident having reached mature age in the province of residence.
- Have not declared bankruptcy in the past 7 years.
- Earn a minimum of $1,000 monthly gross income.
RBC Ion+ Visa Card
Annual Fee: $48
Interest Rate: 19.99% on purchases
22.99% on cash advances
22.99% on cash advances
Gas Benefits: 3X points on gas purchases. Save 3¢ per litre at Petro Canada and earn 20% more petro points
Rewards +
- 12,000 Avion points upon approval.
- 3X Avion points on eligible gas, grocery, dining, food delivery, EV charging, daily transit and streaming purchases.
- 1X Avion points on all other purchases.
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Perks +
- Save 3¢ per litre at Petro Canada and earn 20% more petro points on linking your card with Petro-Points card.
- Complimentary DashPass subscription for 3 months.
Insurances +
- Mobile Device Insurance
- Purchase Protection - 90 days
- Extended Warranty - Doubles up to 1 year
Eligibility +
- Canadian Resident having reached mature age in the province of residence.
- No minimum income requirement specified.
CIBC Costco Mastercard
Annual Fee: $0
Interest Rate: 19.75% on purchases
21.49% on cash advances
21.49% on cash advances
Gas Benefits: 3% cash back at Costco Gas and 2% at other gas stations
Rewards +
- 3% cash back at Costco gas and eligible restaurants.
- 2% cash back at other gas stations and on Costco.ca.
- 1% cash back on all other purchases (including at Costco).
Perks +
- Credit card also acts as a Costco membership card.
- Special rates for CIBC Pace It instalment plans on purchases at Costco.
Insurances +
- Mobile device insurance - $1,000.
- Purchase security.
- Extended warranty - up to 1 year.
Eligibility +
- Canadian Resident having reached mature age in the province of residence.
- Minimum annual income of $15,000.
Tangerine Money Back Credit Card
Annual Fee: $0
Interest Rate: 19.95% on purchases
19.95% on cash advances
19.95% on cash advances
Gas Benefits: 2% cash back on gas when you select gas as preferred cash back category
Rewards +
- Extra 15% cash back on up to $1,000 spent in the first 2 months.
- 2% money-back in two categories of your choice.
- 0.5% money-back on all other everyday purchases.
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Perks +
- 1.95% interest for six months on balance transfer within the first 30 days.
Insurances +
- Purchase Protection for 90 days after purchase.
- Extended Warranty doubles for up to 1 year.
Eligibility +
- Canadian Resident having reached mature age in the province of residence.
- Minimum annual Income of $12,000.
Check out other Cash Back Credit Cards.
Gas Advantage Mastercard
Annual Fee: $0
Interest Rate: 19.99% on purchases
22.99% on cash advances (21.99% for Quebec Residents)
22.99% on cash advances (21.99% for Quebec Residents)
Gas Benefits: Save 2¢ - 10¢ per litre at CT Gas Bars
Rewards +
- Save from 2¢ per litre to 10¢ per litre at CT Gas Bars depending on your card utilisation in the previous month.
- Save 10¢ per litre in the next month when you spend $2,000 or more on your card
- 2X faster savings on expenditure at Canadian Tire and Mark’s
Perks +
- No interest financing.
Insurances +
- Optional Credit Protector Coverage
Eligibility +
- Canadian Resident having reached mature age in the province of residence.
- No minimum income specified
Canadian Tire Triangle World Elite Mastercard
Annual Fee: $0
Interest Rate: 19.99% on purchases
22.99% on cash advances (21.99% for Quebec Residents)
22.99% on cash advances (21.99% for Quebec Residents)
Gas Benefits: 7¢ per litre back on premium fuel and 5¢ per litre back on other fuel at Gas+ and Essence+
Rewards +
- 4% back in CT Money at Canadian Tire and other participating stores.
- 7¢ per litre back on premium fuel and 5¢ per litre back on other fuel in CT Money on fuel at Gas+ and Essence+.
- 3% back in CT Money at participating groceries.
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Perks +
- No fee and no interest financing for qualifying purchases of $150 and above.
- This Canadian Tire credit card offers no receipt returns.
- Pay bills using the card and earn cash back through CT Money.
- 24/7 personal concierge service.
Insurances +
- Purchase protection - up to 90 days.
- Extended warranty.
- Rental car collision/damage insurance.
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Eligibility +
- Canadian Resident having reached mature age in the province of residence.
- Minimum personal income of $80,000 or annual household income of $150,000.
Check out other credit cards from Canadian Tire.
Bottom Line
Gas expenses are rarely in one’s control with the global forces controlling the prices. However, the savings on gas can be in your control if you pick a credit card that offers maximum savings on fuel. If you are someone who spends a lot of time on the road, the best credit cards for gas in Canada can help you offset at least some of your monthly fuel expenses. If you are loyal to a particular gas station and already have a gas card, you might be able to get a credit card that can maximise the benefits for you, when you link the two.
The calculators and content on this page are provided for general information purposes only. WOWA does not guarantee the accuracy of information shown and is not responsible for any consequences of the use of the calculator.