Best Gas Credit Cards in Canada

The BMO CashBack® World Elite®* Mastercard®* delivers the one of highest regular cash back rate on gas available in Canada. 3% cash back on gas and EV charging on up to the first $300 in monthly spending. 

That means if you spend $60 on gas, you’re getting $1.80 back. Most other cards only offer 2% or 1.5% on gas. This deal is even sweeter for new cardholders with the Welcome Offer: Get up to 10% cash back in your first 3 months, $75 cash back bonus when you spend $25,000 in your first year, and the $120 annual fee waived in the first year†.

Redeeming your cash back is easy – redeem your cash back at any time when you have a minimum of $25 through the BMO mobile app. 

• *Terms and conditions apply.
• 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.
  
  

The BMO AIR MILES®† MasterCard®* is a rewarding option for those who frequently purchase gas where you'll earn 3x the Miles for every $25 spent at participating AIR MILES Partners (e.g. Shell gas stations) and are interested in earning AIR MILES as a reward program. 

To add more fuel, get your motor running, you'll also double up your Shell Go+ Miles on eligible fuel and in-store purchases. This effectively means you can earn 4x the AIR MILES at Shell, which is a significant perk for those who prefer Shell for their gas purchases. This partnership between BMO and Shell enhances the card's value for frequent drivers and Shell customers.

Get 1,200 AIR MILES Bonus Miles‡ and a 0.99% introductory interest rate on balance transfers for 9 months with a 2% transfer fee.†

The best part? There's no annual fee for this card, making it an affordable option for earning rewards. It also includes other benefits like extended warranty and purchase protection, discounts on car rentals, and more.

If you want more AIR MILES, let's see if it's worth getting the BMO AIR MILES World Elite Mastercard and pay its annual fee, based on $500 monthly in gas spending. 

The PC® World Elite Mastercard® stands out as a top-tier option for fuel savings and rewards, especially for drivers who frequently fill up at Esso and Mobil stations in Canada.

This card offers an impressive return of 30 PC Optimum points per litre of gas purchased at these stations, which is a notable advantage for motorists.

To put this into perspective, if you purchase 50 litres of gas, you would earn 1,500 PC Optimum points. Given the value of PC Optimum points, this can translate to significant savings over time, especially for those with high monthly fuel expenditures.

One of the most attractive features of the PC® World Elite Mastercard® is its $0 annual fee, which enhances its value proposition. This is especially beneficial for those who want to maximize their rewards without worrying about an annual cost offsetting the benefits.

Moreover, the card offers a range of insurance benefits, including travel medical insurance, trip cancellation and interruption insurance, and auto rental loss/damage insurance, making it a comprehensive choice for travellers as well.

• Sponsored advertising. President’s Choice Financial® Mastercard® is provided by President’s Choice Bank. The PC Optimum™ program is provided by President's Choice Services Inc. President’s Choice Bank is not responsible for the contents of this site, including any editorials or reviews that may appear on this site. For complete information regarding the PC® Mastercard®, PC® World Mastercard®, or PC® World Elite Mastercard®, please click on the “Apply Now” or other applicable button.
  
  
  

The RBC Avion Visa Infinite card is a premium travel credit card that offers a range of benefits, especially for those who frequently purchase fuel at Petro-Canada. 

• Rewards on gas purchases: Cardholders can enjoy a 3¢/L savings on fuel at Petro-Canada stations and when you link your RBC card with a Petro-Points membership, you earn 20% more Petro-Points on your spending at Petro-Canada.
• Welcome bonus:

  Get up to 55,000 Avion points* (a value of up to $1,100†), that’s enough to fly anywhere in North America or the Caribbean!

  • Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months*. Apply by June 3, 2025.

The cash back rate for gas on the TD Cash Back Visa Infinite* Card gives you 3% cash back on groceries, gas and recurring bill payments†, only 1% point less than the CIBC Dividend® Visa Infinite* Card, but this TD card makes the list because of its inclusion of TD Roadside assistance. So, you can skip the $50-$70 CAA membership and know you're still protected on the road. 

The TD Cash Back Visa Infinite* Card also features a solid sign-up bonus: 

• Welcome bonus: 

  Earn up to $600 in value†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500†. Conditions apply. Offer effective as of January 7, 2025. Bonus Eligible Purchases are Gas Purchases, Grocery Purchases & Pre-authorized payments, until a total collective spend of $3,500 of such purchases have been made†. 24/7 Emergency Roadside Assistance with Deluxe TD Auto Club membership, included at no additional cost. Get an annual fee rebate for the first year†. To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect. Starbucks Bonus Offer for New Linked Members†: Link your TD Cashback Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.

• †Terms and conditions apply.

  This offer is not available for residents of Quebec. For Quebec residents, please click here.

  The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

  
  

If you’re looking for the best cash back on gas for the average joe, MBNA Smart Cash Platinum Plus® Mastercard® is it. You can qualify with an average credit score and there is no income requirement and a $0. The final additional kicker: Up to 9 additional card with no annual fee. 

Plus, the MBNA Smart Cash Platinum Plus® Mastercard® competes with those slightly better cards. How? 

•  ‡, ††, ✪, Terms and Conditions apply. 

  
  

  This offer is not available for residents of Quebec. For residents of Quebec, please click here. 

  
  

  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.
  
  

The American Express® Gold Rewards Card is the best card for gas for a frequent flyer, as the Membership Rewards (MR) points you earn can be transferred 1:1 to many travel programs, including Aeroplan. 

You get 2 points per $1 spent at eligible gas stations, but the sign-up bonus ranks this card among “the best.” Earn up to 60,000 Membership Rewards® points* by earning 5,000 Membership Rewards points for each monthly billing period in which you spend $1,000 on your Card in your first year as a new Cardmember.*

• Earn up to 60,000 Membership Rewards® points* by earning 5,000 Membership Rewards points for each monthly billing period in which you spend $1,000 on your Card in your first year as a new Cardmember.*

  That’s up to $600 towards your next vacation.

  *Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.

  
  

If you don't want to pay the $250 annual fee, check out the Amex Cobalt for the same earn rates on gas and an easy-to-manage monthly credit card fee. 

• Contact American Express for the most up-to-date referral bonus figures.

  American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. 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.

The Tangerine Money-Back Credit Card lets you choose two categories out of ten to earn 2% cash back on your purchases, all without any annual fee. You can add a third 2% category by opening a Tangerine Savings Account. And, if you have a partner, it's $0 for additional cardholders. 

If you want to earn cash back on gas without dishing out a hefty annual fee, the Tangerine card can make for a great companion to your existing rewards card. If you have another card that earns a higher rate on categories like restaurants or groceries, then you can choose to earn a higher rate on gas purchases with this card, making it a great solution for bridging the gap in your cash back earnings.

• Welcome Bonus: 

*Terms and Conditions apply

• Save money on gas purchases: Gas credit cards often offer rewards, such as up to 3% back on gas station purchases, allowing you to earn money back with no change in your spending habits. Every gas credit card has a different program, but saving money every time you’re at the pump will go a long way with your monthly budget, especially if you drive a lot. 
• Lower eligibility requirements: Gas credit cards may have easier qualification requirements compared to other credit cards, making them accessible to those with fair credit and providing an opportunity to build or improve your credit history.
• Great sign-up bonuses: A final benefit of looking for the best gas credit cards is that these credit cards tend to offer enticing sign-up bonuses. You can earn a decent sign-up bonus if you meet the minimum spending requirement for the first few statements. These various bonuses can help you build your points up or earn enough cash-back rewards to make it worth switching credit cards.

• Comparatively lower rewards potential: You could find better rewards with a general credit card, as some offer higher cash-back rates (e.g., 5% back on gas purchases) without being a gas-specific card.
• May come with higher interest rates: Gas credit cards may have higher interest rates, so you’d need to pay off your balance in full each month to avoid spending more on interest than the rewards you’ve earned.
• Earning caps: Gas credit cards can come with earn caps. Earning caps, meaning there may be limits on how many rewards you can earn annually.
  

• Limited rewards options: You could find better rewards with another credit card. Many general credit cards offer better cash-back rewards. For example, some credit cards could offer 5% cash back on gas purchases without being branded as a gas credit card. You could find an overall credit card with better offers on all fronts instead of just seeking a gas credit card. 

In Canada, several gas loyalty programs offer various benefits, each with its own set of advantages and limitations. Here's an overview of some of the notable ones:

• Petro-Points (Petro Canada): Petro-Points is a popular choice, offering points for every litre of fuel and in-store purchases. These points can be redeemed for fuel savings, car washes, and other rewards. The program pairs well with RBC credit cards that offer additional rewards for fuel purchases.
• PC Optimum (Esso): PC Optimum points can be earned at Esso stations, with enhanced earning potential for those using PC Financial credit cards. The points are versatile, redeemable for fuel discounts, groceries, and more at participating locations.
• AIR MILES (Shell): This program allows earning AIR MILES at Shell stations. It's particularly beneficial when combined with an AIR MILES credit card (check out the best BMO credit cards), leading to "double-dipping" rewards on fuel purchases. Points can be redeemed for various rewards, including travel and merchandise.
• Costco Gasoline Cash Back Rewards: For Costco members, this program offers lower gas prices and the potential for cashback rewards when using the Costco Mastercard (though we think there are better credit cards for Costco). This program is particularly advantageous for regular Costco shoppers and those who buy significant amounts of fuel.
• Journie (Ultramar, Pioneer, Fas Gas, and Chevron): With the CIBC Dividend credit cards, users can earn cashback on fuel at these stations. Check out the best CIBC credit cards for more.  The Journie program offers additional cents off per liter and points that accumulate for further discounts.

Each program has its unique features, and the best choice often depends on individual driving and shopping habits, as well as credit card usage. It's also worth noting that using apps like GasBuddy or Waze can help find the best fuel prices in your area, and filling up during specific times of the week can lead to additional savings​