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The best credit cards for gas in Canada

The Best Gas Credit Cards in Canada 2024

Aaron Broverman

By Aaron Broverman

🗓️

Updated: November 28, 2024

Partners on this page provide us earnings.

With soaring inflation and increasing prices of everything around us (including oil prices), many have felt the most significant impact while at the pump. Thankfully, plenty of gas credit cards in Canada can automatically provide savings.

Below you’ll find the credit cards that give you cash back or reward points for gas purchases in Canada. And don't forget to check out our Best Credit Cards Canada list when you're done.

  • Why you can trust Money.ca's best gas credit cards in Canada list

    +

    Money.ca rates all credit cards on a numeric scale of 1 to 5 stars, with 1 being the lowest and 5 the highest rating, respectively. Money.ca’s proprietary scoring formulas break down the confusing language, complex points, rewards and earn rates to give you the real data that caters to your needs first, not ours.

    Our partnerships have no impact on our ratings, which are solely determined by the merits of each card. To learn more about how we researched and ranked these cards, read our full credit card review methodology.

Summary of picks

Top Canadian credit cards for gas rewards

Card Name Gas Rewards Get started
BMO CashBack® World Elite®* Mastercard®*
Best for cash back on gas
◦ Earn 3% cash back on gas and EV charging
◦ Annual fee: $120 (annual fee waived in the first year*)
BMO CashBack® World Elite®* Mastercard®* review
BMO AIR MILES®† MasterCard®*
Best for Air Miles at Shell
◦ $0 annual fee
◦ Earn 3x the Miles for every $25 spent at participating AIR MILES Partners
◦ Double up your Shell Go+ Miles on eligible fuel and in-store purchases. That’s 4x the Miles
Apply now
PC® World Elite Mastercard®
Best for cash back on gas at Mobil and Esso locations
◦ Earn 30 points per litre for gas purchased at Esso™ or Mobil™ stations
Apply now
RBC Avion Visa Infinite
Best for cash back at Petro-Canada
◦ Get 35,000 welcome Avion points on approval** (travel value of up to $750†).
Apply now
TD Cash Back Visa Infinite* Card
Best for roadside assistance
◦ Earn 3% cash back on groceries, gas and recurring bill payments†

Apply now
MBNA Smart Cash Platinum Plus® Mastercard®
Best for multiple users
◦ 2% back on gas and groceries

Apply now
American Express® Gold Rewards Card
Best for travel rewards
◦ 2 MR points on gas, grocery and drugstore purchases in Canada
Apply now
Tangerine Money-Back Credit Card
Best for cash back with no annual fee
◦ Earn 2% cash back on two categories of your choice (e.g. groceries, recurring bills, gas, drug stores, etc.)

Apply now

†Terms and conditions apply.

Best cash back

Best cash back on gas credit card in Canada

BMO CashBack® World Elite®* Mastercard®*

Apply now

4.9

up to 10%

Welcome offer

Excellent

Suggested credit score

Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first anniversary*.

Expires

Jun 1, 2025

Apply now

Pros

  • Valuable sign-up bonus

  • High 5% cash back rate on groceries

  • Free roadside assistance

  • Excellent extended warranty and purchase protection terms

Cons

  • Restrictive spending limits for most cash back categories

  • Sign-up bonus structure is head-scratchingly complicated

  • High minimum income requirements

Eligibility

Recommended Credit Score

Excellent

Required Annual Personal Income

$80,000

Required Annual Household Income

$150,000

Pros

  • Valuable sign-up bonus

  • High 5% cash back rate on groceries

  • Free roadside assistance

  • Excellent extended warranty and purchase protection terms

Cons

  • Restrictive spending limits for most cash back categories

  • Sign-up bonus structure is head-scratchingly complicated

  • High minimum income requirements

Eligibility

Recommended Credit Score

Excellent

Required Annual Personal Income

$80,000

Required Annual Household Income

$150,000

Groceries: 5% cash back up to $500 spent per month ($25 in cash back)*

5%

Transit: 4% cash back up to $300 spent per month ($12 in cash back)*

4%

Gas: 3% cash back up to $300 spent per month ($9 in cash back)*

3%

Recurring Bills: 2% cash back up to $500 spent per month ($10 in cash back)*

2%

Everything Else: 1% cash back, unlimited*

1%

Purchase APR

20.99%

Balance Transfer Rate

23.99%

Cash Advance APR

23.99%

Annual Fee

$120

Foreign Transaction Fee

2.5%

The BMO CashBack® World Elite®* Mastercard®* delivers the one of highest regular cash back rate on gas available in Canada. Earn 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 and the $120 annual fee waived in the first anniversary*

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.

Best for Shell

Best Shell rewards gas card in Canada

BMO AIR MILES®† MasterCard®*

Apply now

3.3

1,500 AIR MILES

Welcome offer

Good

Suggested credit score

Limited time offer: Get 1,500 AIR MILES Bonus Miles!* That’s enough for $150 towards purchases with AIR MILES Cash*

Expires

Jun 1, 2025

Apply now

Pros

  • No annual fee with a substantial welcome offer

  • Earn Air Miles with both credit and collector cards

  • Low eligibility requirements

  • Additional Benefits include discounts, insurance, and a low balance transfer rate

Cons

  • A 2% fee applies to balance transfers.

  • Limited redemption options

  • Variable redemption values may vary based on last-minute short-haul flights

  • Its specific rewards program is best for those interested in the Air Miles loyalty program

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$15,000

Pros

  • No annual fee with a substantial welcome offer

  • Earn Air Miles with both credit and collector cards

  • Low eligibility requirements

  • Additional Benefits include discounts, insurance, and a low balance transfer rate

Cons

  • A 2% fee applies to balance transfers.

  • Limited redemption options

  • Variable redemption values may vary based on last-minute short-haul flights

  • Its specific rewards program is best for those interested in the Air Miles loyalty program

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$15,000

the Miles for every $25 spent at participating AIR MILES Partners

3x

the Miles for every $25 spent at any eligible grocery store*

2x

the Miles for every $25 spent at any eligible wholesale clubs, membership-based retailers and alcohol retailers

2x

for every $25 that you spend with your credit card everywhere else

1 Mile

Purchase APR

20.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$0

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.

Limited time offer: Get 1,500 AIR MILES Bonus Miles!* That’s enough for $150 towards purchases with AIR MILES Cash*

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. 

BMO AIR MILES®† MasterCard®* vs. BMO AIR MILES®† World Elite®* MasterCard®*

Feature BMO AIR MILES®† MasterCard®* BMO AIR MILES®† World Elite®* MasterCard®*
Annual fee $0 $120
Welcome offer Limited time offer: Get 1,500 AIR MILES Bonus Miles!* That’s enough for $150 towards purchases with AIR MILES Cash* Get 3,000 AIR MILES Bonus Miles! * That's enough for $310 towards purchases with AIR MILES Cash!* Plus, get the $120 annual fee waived for your first anniversary
Benefits and perks Extended warranty, purchase protection and save up to 20% at National and Alamo car rental agencies. Enhanced AIR MILES benefits, travel and medical protection, complimentary membership in Mastercard Travel Pass, savings on car rentals, extended warranty, and purchase protection
Value Good for no annual fee; ideal for moderate gas spenders and AIR MILES collectors Higher earning potential; better for frequent travellers and high spenders on gas, especially at Shell; perks justify the annual fee for heavy users
Full review BMO AIR MILES®† MasterCard®* review BMO AIR MILES®† World Elite®* MasterCard®* review
Learn more on the site Apply now Apply now
  • *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.

  • 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.



Best for Esso

Best Esso gas credit card in Canada

PC® World Elite Mastercard®

Apply now

4.0

Fair

Suggested credit score

to receive the latest news, tips and offers by email

Apply now

Pros

  • No annual fee

  • High earn rates in certain stores

  • Easy, straightforward redemptions

  • Points don’t expire provided your account stays active and in good standing

  • Special events allow you to earn extra points

Cons

  • High income requirement to qualify

  • Accelerated earn rates are limited to certain partner stores, and points can be redeemed only for purchases within Loblaw banner stores

  • Points can’t be transferred to other loyalty programs

  • The included travel insurance is very limited

Eligibility

Recommended Credit Score

Fair

Required Annual Personal Income

$80,000

Pros

  • No annual fee

  • High earn rates in certain stores

  • Easy, straightforward redemptions

  • Points don’t expire provided your account stays active and in good standing

  • Special events allow you to earn extra points

Cons

  • High income requirement to qualify

  • Accelerated earn rates are limited to certain partner stores, and points can be redeemed only for purchases within Loblaw banner stores

  • Points can’t be transferred to other loyalty programs

  • The included travel insurance is very limited

Eligibility

Recommended Credit Score

Fair

Required Annual Personal Income

$80,000

* 45 points per $1 spent at Shoppers Drug Mart/Pharmaprix

45 points

Earn 30 points per litre for gas purchased at Esso™ or Mobil™ stations

30 points

Earn 30 points per $1 spent on PC Travel services

30 points

Earn 30 points per $1 spent at Loblaw Banner Grocery Stores (includes Loblaws, No Frills, Valu-Mart, Independent Grocers, Zehrs, Real Canadian Superstore, Fortinos, etc.)

30 points

Earn 10 points per $1 spent everywhere else

10 points

Purchase APR

21.99%

Balance Transfer Rate

5%

Cash Advance APR

22.97%

Annual Fee

$0

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.
Best for Petro-Canada

Best Petro-Canada gas credit card in Canada

RBC Avion Visa Infinite

Apply now

4.1

35,000 pts

Welcome offer

Very Good

Suggested credit score

Get 35,000 welcome Avion points on approval** (travel value of up to $750†).

Apply now

Pros

  • Rewards program is highly flexible, transferable, and includes a slew of non-travel-related reward options

  • Partnerships with other retailers like HBC and Petro-Canada

  • Provides excellent travel insurance

  • New cardholders earn 35,000 welcome Avion points on approval*

  • Solid option for looking for a travel-centric points program

Cons

  • The points-to-dollars ratio is only average and there are few opportunities for accelerated earning.

  • The $120 annual fee isn’t cheap

  • High annual income requirement: Personal: $60,000 or Household: $100,000

Eligibility

Recommended Credit Score

Very Good

Required Annual Personal Income

$60,000

Pros

  • Rewards program is highly flexible, transferable, and includes a slew of non-travel-related reward options

  • Partnerships with other retailers like HBC and Petro-Canada

  • Provides excellent travel insurance

  • New cardholders earn 35,000 welcome Avion points on approval*

  • Solid option for looking for a travel-centric points program

Cons

  • The points-to-dollars ratio is only average and there are few opportunities for accelerated earning.

  • The $120 annual fee isn’t cheap

  • High annual income requirement: Personal: $60,000 or Household: $100,000

Eligibility

Recommended Credit Score

Very Good

Required Annual Personal Income

$60,000

Earn 1 Avion point for every dollar you spend*.

1

extra Avion points on eligible travel purchases

25%

mobile device insurance

$1,500

savings on fuel at Petro-Canada and always earn 20% more Avion points

3¢/L

Be Well points for every $1 spent on eligible products at Rexall

50

off at Hertz and earn 3x the Avion points

20%

delivery fees for 12 months from DoorDash

$0

Purchase APR

20.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$120

Foreign Transaction Fee

2.5%

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 35,000 welcome Avion points on approval** (travel value of up to $750†)- Enough to fly anywhere in Canada & the U.S† (Alaska and Hawaii require more points).

Best roadside assist

Best gas rewards credit card with roadside assistance

TD Cash Back Visa Infinite* Card

Apply now

4.0

10% back

Welcome offer

Excellent

Suggested credit score

to receive the latest news, tips and offers by email

Apply now

Pros

  • Solid welcome offer

  • High earn rate for 3 popular categories

  • Can use cash back right away

  • Useful automotive benefits

Cons

  • Maximum spend limit for 3% cash back

  • High annual fee for a cash back card

Eligibility

Recommended Credit Score

Excellent

Required Annual Personal Income

$60,000

Required Annual Household Income

$100,000

Pros

  • Solid welcome offer

  • High earn rate for 3 popular categories

  • Can use cash back right away

  • Useful automotive benefits

Cons

  • Maximum spend limit for 3% cash back

  • High annual fee for a cash back card

Eligibility

Recommended Credit Score

Excellent

Required Annual Personal Income

$60,000

Required Annual Household Income

$100,000

Earn 3% cash back on groceries, gas, and recurring bill payments†

3%

Earn 1% cash back on all other purchases†

1%

Earn 50% more Starbucks Stars when you link your TD card to your Starbucks account.†

50%

Purchase APR

20.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$139

Foreign Transaction Fee

2.5%

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 $500 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. Account must be approved by January 6, 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†.

    • Get an Annual Fee Rebate for the first year†.

    To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by January 6, 2025.

  • †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.


Best for families

Best Canadian gas credit card for multiple users

MBNA Smart Cash Platinum Plus® Mastercard®

Apply now

2.6

5% cash back

Welcome offer

Good

Suggested credit score

Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500)

Apply now

Pros

  • Generous Welcome Bonus to earn accelerated rewards during the initial six months of account opening

  • No annual fee

  • Ongoing cash back rewards after the welcome bonus - up to 2% cash back on eligible purchases

  • Car rental discounts

  • MBNA Payment Plan: Flexible payment options for purchases over $100, which is a nice perk for budget management.

  • Purchase assurance and extended warranty

Cons

  • Monthly spend cap on the welcome bonus rewards earn rate

  • Limited reward categories

  • Potential fees for payment plan

  • No travel rewards or premium perks

Eligibility

Recommended Credit Score

Good

Pros

  • Generous Welcome Bonus to earn accelerated rewards during the initial six months of account opening

  • No annual fee

  • Ongoing cash back rewards after the welcome bonus - up to 2% cash back on eligible purchases

  • Car rental discounts

  • MBNA Payment Plan: Flexible payment options for purchases over $100, which is a nice perk for budget management.

  • Purchase assurance and extended warranty

Cons

  • Monthly spend cap on the welcome bonus rewards earn rate

  • Limited reward categories

  • Potential fees for payment plan

  • No travel rewards or premium perks

Eligibility

Recommended Credit Score

Good

Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)

2%

Get 0.5% Cash Back‡ for all other eligible purchases

0.5%

Purchase APR

19.99%

Balance Transfer Rate

22.99%

Cash Advance APR

24.99%

Annual Fee

$0

Foreign Transaction Fee

2.5%

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? 

  Earn 5% Cash Back on eligible gas and groceries purchases for the first 6 months†† ($500 monthly spend cap) 

  •  ‡, ††, ✪, 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.

Best travel

Best credit card for gas and travel in Canada

American Express® Gold Rewards Card

Apply now

3.9

up to 60k pts

Welcome offer

Very Good

Suggested credit score

Earn up to 60,000 Membership Rewards® points – that’s up to $600 in value.

Apply now

Pros

  • Generous welcome bonus of up to 60,000 Membership Rewards® points.

  • Convertibility of Member Rewards® points to popular airline and hotel loyalty programs (e.g. Aeroplan, Marriott).

  • Earn two points per dollar on travel, gas, grocery and drugstore purchases.

  • $100 annual travel credit when booking through American Express® Travel online.

  • Built-in travel medical insurance and trip coverage.

Cons

  • $250 annual fee.

  • 2.5% foreign transaction fee.

  • Travel medical insurance only covers those under age 65.

Eligibility

Recommended Credit Score

Very Good

Pros

  • Generous welcome bonus of up to 60,000 Membership Rewards® points.

  • Convertibility of Member Rewards® points to popular airline and hotel loyalty programs (e.g. Aeroplan, Marriott).

  • Earn two points per dollar on travel, gas, grocery and drugstore purchases.

  • $100 annual travel credit when booking through American Express® Travel online.

  • Built-in travel medical insurance and trip coverage.

Cons

  • $250 annual fee.

  • 2.5% foreign transaction fee.

  • Travel medical insurance only covers those under age 65.

Eligibility

Recommended Credit Score

Very Good

Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada

2

Earn 2 points for every $1 in Card purchases on eligible travel purchases, including flights, hotels, car rentals, and more

2

Earn 1 point for every $1 in Card purchases everywhere else

1

Earn 1 additional Membership Rewards point for every $1 you charge to your Gold Rewards Card on eligible hotel or car rental bookings made with American Express Travel

1

Purchase APR

21.99%

Cash Advance APR

21.99%

Annual Fee

$250

Foreign Transaction Fee

2.5%

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.” 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.

  • 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.

Best no fee rewards

Best gas credit card with cash back and no annual fee

Tangerine Money-Back Credit Card

Apply now

4.0

Good

Suggested credit score

to receive the latest news, tips and offers by email

Apply now

Pros

  • No annual fee

  • Choose the spending categories where you want to earn the most cash back

  • Unlimited cash back—no maximum spending limit for any purchase category

  • Cash back is paid out monthly rather than annually

  • Periodically includes a special welcome offer where you can get extra cash back

  • 1.95% interest on balance transfers for the first 6 months (1% transfer fee applies)*

Cons

  • Regular cash back rates are still lower than what you can get from a card with an annual fee

  • Limited extra perks or benefits beyond the cash back and balance transfer promotion

  • Generally not a good fit for shopping at warehouse clubs or wholesale grocers like Costco or Walmart

  • Tangerine does not have any physical bank branches

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$12,000

Pros

  • No annual fee

  • Choose the spending categories where you want to earn the most cash back

  • Unlimited cash back—no maximum spending limit for any purchase category

  • Cash back is paid out monthly rather than annually

  • Periodically includes a special welcome offer where you can get extra cash back

  • 1.95% interest on balance transfers for the first 6 months (1% transfer fee applies)*

Cons

  • Regular cash back rates are still lower than what you can get from a card with an annual fee

  • Limited extra perks or benefits beyond the cash back and balance transfer promotion

  • Generally not a good fit for shopping at warehouse clubs or wholesale grocers like Costco or Walmart

  • Tangerine does not have any physical bank branches

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$12,000

Earn 2% cash back on 2 categories of your choice (e.g. groceries, recurring bills, gas, drug stores, etc.)

2%

Get a Tangerine Savings account and add a 3rd 2% cash back category.

3

Earn 0.50% on all your other everyday purchases.

0.5%

Variable APR

19.95% - 24.95%

Balance Transfer Rate

1.95%

Cash Advance APR

19.95%

Annual Fee

$0

Foreign Transaction Fee

2.5%

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: Get a bonus 10% cash back for the first 2 months – up to $100. Plus, a 1.95% promotional balance transfer interest rate for the first 6 months.

*Terms and Conditions apply

Compare picks

Best Canadian gas rewards credit cards compared

Credit Card Rewards on Gas Welcome Bonus Get started
CIBC Dividend® Visa Infinite* Card
Earn 4% cash back on eligible gas, EV charging, and grocery purchases† Get a first-year annual fee rebate for you and up to three Authorized Users† and earn 10% cash back for the first 4 statements on net purchases of up to $3,000†.
CIBC Dividend® Visa Infinite* Card review
PC® World Elite Mastercard®
Earn 30 points per litre for gas purchased at Esso™ or Mobil™ stations Annual fee: $0 Apply now
RBC Avion Visa Infinite
1.00 Avion point per $1 spent on purchases Get 35,000 welcome Avion points on approval** (travel value of up to $750†).
Apply now
TD Cash Back Visa Infinite* Card
Earn 3% cash back on groceries, gas and recurring bill payments†

Earn up to $500 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. Account must be approved by January 6, 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†.

  • Get an Annual Fee Rebate for the first year†.

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by January 6, 2025.


 Apply now
MBNA Smart Cash Platinum Plus® Mastercard®
Earn 2% on gas and groceries
  Earn 5% Cash Back on eligible gas and groceries purchases for the first 6 months†† ($500 monthly spend cap) 

 Apply now
American Express® Gold Rewards Card
2 MR points on gas, grocery and drugstore purchases in Canada 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
Apply now
Tangerine Money-Back Credit Card
Earn 2% cash back on two categories of your choice (e.g. groceries, recurring bills, gas, drug stores, etc.)

Get a bonus 10% cash back – up to $100. Applies to purchases in your first 2 months. Plus, a 1.95% promotional balance transfer interest rate for the first 6 months.

The Tangerine 10% Limited-time Promotional Offer (the “Offer”) is only available to new Tangerine Credit Card Account holders who (i) apply for a Tangerine World Credit Card (the “Account”) by January 31, 2025, (ii) activate their Account within 45 days of approval, and (iii) have up to a maximum of $1,000 in total Net Purchases posted to their Account within the 60-day period beginning on the date the Tangerine World Credit Card is activated. Limit of one Offer per eligible Client. This Offer is non-transferable. Offer may be changed, cancelled or extended at any time. All other Account terms, including the Tangerine Money-Back Rewards program terms, remain unchanged and continue to apply. See the Tangerine Credit Card Cardholder Agreement for more details, including definitions of any capitalized terms.


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  • †Terms and conditions apply.

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

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Why get a gas card?

Reasons you’d want gas credit cards in Canada

Gas credit cards allow you to save money at the pump and to earn rewards for making a purchase that you were already going to make. Since many of us have to commute to work on a daily basis, it only makes sense that we take advantage of our gas purchases to ensure that we get the most out of this. 

With prices of everything in the economy going up, it’s more important than ever to find any savings you can. Some of the best Canadian gas credit cards will allow you to save a specific amount every time you’re at the pump, so you’re always saving money. 

Benefits

Benefits of gas credit cards

The primary reason for using a gas credit card is the discounts for gas purchases. 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. 

Another benefit of gas credit is the rewards that they offer. Some gas credit cards will offer you up to 3% back on gas station purchases with your card. This means that if you commute to work or go on frequent road trips, you could be earning money back without changing your spending habits. 

You may find it’s much easier to qualify for a gas card than some other credit cards where they would have a stronger criterion. You could get accepted for a gas credit card with fair credit and then use that credit card to build up your credit or to improve your credit history. 

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. 

Drawbacks

Drawbacks of gas credit cards

While you could benefit from using a gas credit card, it’s essential that we highlight why you may not want to go with this option. 

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. 

Gas credit cards could also have higher interest rates. As a result, you would have to be diligent about paying off your balance in full monthly. That way, you don’t spend more money on interest to offset any rewards you’ve earned. 

Here are some additional drawbacks of gas credit cards that you should consider: 

  • There could be earning caps – This means that you could have a limit on how many rewards you could earn within a year.
  • Limited rewards options – We all look for different ways to optimize our credit card rewards, so it’s important to know that some gas credit cards will restrict how you can use your rewards. This means you could only redeem your rewards on discounted gas purchases instead of anything else. 
What's the best gas?

Best gas stations in Canada

Canadian gas station Number of stations Loyalty programs EV charging availability
Shell 1,300+ Shell GO+ Varies by location
Costco 100+ Costco Membership Not widely available
Petro-Canada 1,500+ Petro-Points Yes
Esso/Mobil 2,200+ PC Optimum™ Varies by location
Ultramar 700+ Journie Rewards Not specified
Canadian Tire Gas+ 300+ Triangle Rewards Not specified
Gas loyalty program

Best gas loyalty program in Canada

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​

Power of the pump

These credit cards will give you the most if you want more when paying at the pump. Whether it’s cash back or reward points, you’ll cover gas for every carpool, ride out with friends, or road trip and reap the benefits these cards have to offer. In a time when every penny counts, make each litre count as well by seeking out the best gas credit card for your situation. 

FAQs

FAQs about gas credit cards

  • Why did the gas station charge me $100 on my credit card?

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    Gas stations often place a temporary hold, typically $100, on your credit card as a pre-authorization to ensure you have sufficient funds for the fuel purchase.

  • Do you need a Costco card to get gas?

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    Yes, to purchase gas at Costco gas stations, you need a Costco membership card.

  • Do gas stations put a hold on credit cards?

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    Yes, many gas stations put a temporary hold on credit cards to ensure payment for the estimated amount of gas.

  • How do I use a Canadian credit card at a US gas station?

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    At a US gas station, enter the numbers from your Canadian postal code followed by "00" when prompted for a ZIP code at the pump.

  • What is the best gas credit card in Canada?

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    The best gas credit card depends on your spending habits, preferred gas stations, and desired rewards, like cash back or points. Read the best credit cards for gas to find yours.

Aaron Broverman Author

Aaron Broverman is a freelance writer based in Toronto. When he’s not writing about money for publications like Yahoo Canada and Money.ca, you’re likely to find his nose in a comic book. He likes comics so much, he hosts a podcast called Speech Bubble where he interviews those involved in the comic industry. You can follow him on Twitter: @broverman.

Compare other popular Canadian credit cards

Compare other popular Canadian credit cards

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