Best Gas Credit Cards in Canada
Gas is a necessary and ongoing expense for many Canadians. If you’re going to spend money at the pumps, why not get rewarded for it? The best credit cards for gas in Canada are designed to help you maximize rewards on fuel purchases.
Summary of the best gas credit cards
| Card | NerdWallet rating | Annual fee | Interest rates | Rewards rate | Apply Now |
|---|---|---|---|---|---|
| CIBC Dividend® Visa Infinite* Card | APPLY NOW on CIBC's website | ||||
 APPLY NOW on CIBC's website | 5.0/5 | See Product Details† | See Product Details† | 1%-4% | |
| SimplyCash® Preferred Card from American Express | APPLY NOW on American Express' website | ||||
 APPLY NOW on American Express' website | 5.0/5 | $119.88 | 21.99%/21.99% | 2%-4% | |
| American Express® Gold Rewards Card | APPLY NOW on American Express' website | ||||
 APPLY NOW on American Express' website | 4.6/5 | $250 | 21.99%/21.99% | 1x-2x Points | |
Best gas credit cards in Canada
Rewards breakdown
Rewards breakdownCash back on gas & electric vehicle charging.†
Cash back on groceries.†
Cash back on dining.†
Cash back on transportation.†
Cash back on recurring payments.†
Cash back on everything else.†
NerdWallet's take
NerdWallet's takeEarn attractive cash-back rates of up to 4% on groceries, gas and EV charging, but you’ll net less value once you hit the spending caps or venture outside the bonus categories. Best for: Cost-conscious households that spend big on fuel and groceries, seeking flexible cash-back rewards.
Pros
- Generous cash back rates of up to 4%.
- Car rental discounts of up to 35% with Avis and Budget.
- Gas discounts of up to 10 cents per litre at Pioneer, Fas Gas, Ultramar and Chevron stations.
Cons
- Limited travel insurance coverage.
- Higher than average $120 annual fee for a points card.
Card details
Card details- Welcome Offer: Join and earn up to $400 in value including a first year annual fee rebate.† Here's how you can earn up to $400 in value: Earn a 10% cash back welcome bonus of up to $250 (first 4 statements†). A $50 cash back bonus for setting up one pre-authorized payment within the first 4 monthly statements.† First year annual fee rebate valued at $120.†
- After that, get 4% cash back on eligible gas, EV charging, and grocery purchases.†
- 2% cash back on eligible transportation, dining purchases and recurring payments.†
- 1% cash back on all other purchases.†
- Get cash back on demand - redeem your cash back at any time when you have a minimum of $10 through CIBC Online and Mobile Banking®.†
- Save over $600 with CIBC and Skip – Get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Dividend Visa Infinite Card with Skip.†
- Save on gas with CIBC and Journie Rewards – Link and use your CIBC Dividend® Visa Infinite* Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
- This is a digital-exclusive offer.† To be eligible for this offer: 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.† This offer is reserved for you. Please do not forward it to anyone else.
- CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months.†
- †Terms and Conditions Apply. Select Apply Now to learn more.
Rewards breakdown
Rewards breakdowncash back on eligible gas station purchases in Canada.
Cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually).
Cash back on all other purchases.
NerdWallet's take
NerdWallet's takeGetting 2% back on everything is very rare, which makes this card one of our favourites. It also offers 4% back on gas and groceries, comes with comprehensive travel coverage and offers up to $60 in statement credits with Instacart. But the $119.88 annual fee ($9.99 a month) may be too steep for some users. Best for: People who value earning cash back over extensive travel perks.
Pros
- Unlimited 2% cash back.
- Up to $60 statement credit with Instacart.
- Comprehensive travel insurance.
Cons
- $119.88 annual fee is higher than average for a cash-back card.
Card details
Card details- Earn a bonus 10% cash back on all purchases for your first 3 months (up to $2,000 in purchases). Plus, earn a $50 statement credit when you make a purchase in month 13. This could add up to $250 in bonus value in your first 13 months.
- Earn accelerated earn rates on eligible gas and grocery purchases.
- Earn 4% cash back on eligible gas station purchases in Canada, 4% cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually) and 2% cash back on all other purchases.
- Access events and special offers curated for Cardmembers with Amex Experiences™
- Extensive insurance coverage and 24/7 Customer Service.
- 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
Rewards breakdown
Rewards breakdownPoints on eligible travel purchases.
Points on eligible purchases at gas stations in Canada.
on eligible purchases at grocery stores in Canada.
on eligible purchases at drugstores in Canada.
Point on purchases everywhere else.
NerdWallet's take
NerdWallet's takeThis flexible, mid-tier travel card is outfitted in an eye-catching stainless steel, typically reserved for premium cards with $500+ annual fees. The Amex Gold Rewards boasts broad rewards earning categories for eligible dollars spent on travel, gas, groceries and drugstore purchases. Perks like a $100 annual travel credit and airport lounge access add tangible value but only help offset the $250 annual fee if they’re put to use. Best for: Travellers seeking occasional lounge access and flexible, everyday rewards.
Pros
- Four complimentary Plaza Premium lounge visits annually.
- $50 NEXUS statement credit.
- Comprehensive travel coverage.
Cons
- Limited airport lounge passes.
Card details
Card details- Earn up to 60,000 Membership Rewards® points:
- New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card.
- Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more.
- Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else.
- The Card is now available in your choice of Gold or Rose Gold metal options.
- Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card.
- You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online.
- As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply.
- Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used.
- Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit.
- Transfer points 1:1 to several frequent flyer and other loyalty programs.
- 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster.
- Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 29.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details
- American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.
- To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
Rewards breakdown
Rewards breakdownCashback on groceries.
Cashback on gas & electric vehicle charging.
NerdWallet's take
NerdWallet's takeThis cash-back earning secured card offers 1% back on gas and grocery purchases alongside credit monitoring tools and ATM fee reimbursements. Less appealing is its monthly fee that amounts to near $100 annually. Neo says that you may be able to have the monthly fee waived by maintaining a minimum balance in a Neo Everyday or Neo Savings account, though it doesn’t state what the minimum is. For cash-strapped credit-builders on a budget, the cost of this card could be a dealbreaker. Best for: Anyone building their credit who doesn’t mind paying for some nice-to-have extras.
Pros
- Earns 1% cash back on gas and grocery purchases.
- Credit score monitoring and credit building tools.
Cons
- $7.99 monthly fee.
- Purchase interest rates as high as 29.99%.
Card details
Card details- Guaranteed approval and no credit score required to apply
- International IDs accepted
- 1% cashback on groceries
- 1% cashback on gas & electric vehicle charging
- Average of 5% cashback at 10,000 partner locations nation-wide—on top of the base cashback rates
- Start with a security fund of as little as $50
- Can help builds credit history with consistent, on-time payments
- Track your monthly spending with real-time insights
- Instant cashback that can be redeemed anytime
- Pay your bill instantly with Neo's #1 rated financial app
Rewards breakdown
Rewards breakdownScene+ points on every $1 you spend at Sobeys, Safeway, FreshCo, Foodland and more. Plus, earn 3 Scene+ points per CAD spent on hotel and car rental bookings made through Scene+ Travel.
Scene+ points for every $1 you spend on eligible restaurants, fast food, drinking establishments, other eligible grocery stores, food delivery, entertainment, gas, daily transit and streaming services.
Scene+ point for every $1 spent on all other eligible everyday purchases, including any spending that exceeds the $50,000 annual limit for accelerated earn rates.
NerdWallet's take
NerdWallet's takeThe Scotiabank American Express Card (for students) has no annual fee and accelerated rewards on essentials and entertainment. Plus, it includes mobile device insurance, and offers car rental discounts.
Pros
- No annual fee.
- Earn up to 3x Scene+ points on a wide range of categories, such as transit, eats, entertainment and groceries.
- Complimentary mobile device insurance.
Cons
- No complimentary travel insurance.
- Accelerated earn rates only apply to the first $50,000 made in purchases annually.
Card details
Card details- No annual fee.
- Free supplementary cards.
- Earn 3 Scene+ points on every $1 you spend at Sobeys, Safeway, FreshCo, Foodland and more. Plus, earn 3 Scene+ points per CAD spent on hotel and car rental bookings made through Scene+ Travel.
- Earn 2 Scene+ points for every $1 you spend on eligible restaurants, fast food, drinking establishments, other eligible grocery stores, food delivery, entertainment, gas, daily transit and streaming services.
- Earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases, including any spending that exceeds the $50,000 annual limit for accelerated earn rates.
- Mobile device insurance provides up to $500 of coverage for new cell phones, smartphones, or tablets purchased with the card, protecting against loss, theft, accidental damage, or mechanical failure.
- Purchase security for the first 90 days from the date of purchase.
- Extended warranty coverage doubles the original manufacturer’s warranty for up to one year.
- Optional insurance coverage includes life, critical Illness, hospitalization, disability, job loss, strike or lockout benefits.
- Access to Scene+ Travel, a full-service travel agency.
- Access to American Express Invites with offers on music, theatre, dining, film, fashion and shopping experiences.
- Save up to 25% off base rates at participating AVIS and Budget locations in Canada and the U.S. when you pay with your Scotiabank American Express Card.
- Tap your Scotiabank American Express Card or your smartphone for quick easy payments.
Rewards breakdown
Rewards breakdownPoints on travel purchased through the CIBC Rewards Centre.
Points on eligible dining.
Points on eligible gas & electric vehicle charging.
Points on eligible groceries.
Points on everything else.
NerdWallet's take
NerdWallet's takeA metal credit card equipped with all the bells and whistles of a high-end travel companion: accelerated points on travel spending, airport lounge access and an annual travel credit. The trade-offs are what you'd expect at this tier: six-figure annual income eligibility criteria and a sizable annual fee. Best for: Cardholders who spend big on travel and want a card that unlocks luxurious experiences to match.
Pros
- Six complimentary airport lounge visits annually.
- $200 annual travel credit.
- Two NEXUS application fee rebates every four years.
Cons
- Steep $499 annual fee.
- High annual income requirement of $150,000 per individual or $200,000 per household.
Card details
Card details- Earn 25,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods. Earn 25,000 Aventura Points when you spend $6,000 or more in the first 4 monthly statement periods. Earn 30,000 Aventura Points as an additional anniversary bonus.
- Receive 6 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: over $340 value.
- Get a $200 annual Travel Credit. Plus, get 2 NEXUS™ Application Fee rebates: a $134 value.
- Earn 3 points for every $1 spent on travel purchased through the CIBC Rewards Centre.
- Earn 2 points for every $1 spent on eligible dining, entertainment, transportation, gas, electric vehicle charging, and groceries.
- Earn 1.25 points for every $1 spent on all other purchases.
- Earn 1.25 Aventura Points for every $4.00 spent on a CIBC Global Money Transfer™. There are no transaction fees and no interest charged as long as the balance is paid by the payment due date.
- Redeem points for airline tickets, merchandise, gift cards and more.
- Apply points toward a CIBC Aventura credit card balance or select CIBC financial products.
- $499 annual fee.
- Unwind at the airport in a relaxing lounge with 6 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program. Speed up border crossings with 2 NEXUS application fee rebates every 4 years.
- Access business class bookings exclusive to this card for a future getaway.
- Enjoy dedicated taxi and limo services, exclusive dining and wine experiences, VIP benefits at luxury hotels and more with Visa Infinite Privilege.
- Get up to 25% off auto rentals at participating Avis® and Budget® locations worldwide when you pay with your Aventura card.
- Link a Journie Rewards card to save on every fill-up at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.
- Preferred rates: 20.99% for purchases, 22.99% for cash advances (21.99% for cash advances if you live in Quebec).
- The information for the CIBC Aventura® Visa Infinite Privilege* Card has been collected independently by NerdWallet. The card details on this page have not been reviewed or provided by the card issuer.
Rewards breakdown
Rewards breakdownCT Money at Canadian Tire or its affiliate stores.
CT Money at grocery stores (on the first $12,000 per year, 1% after that).
CT Money everywhere else.
NerdWallet's take
NerdWallet's takeIf you spend big regularly at Canadian Tire, stop scrolling — earn 4% back at the retail giant, 3% back at grocery stores and 1% on everything else. You also get access to rental car coverage, gas discounts and roadside assistance, with no annual fee. But the steep $80,000 minimum income requirement may disqualify some users. Best for: High earners who spend big at Canadian Tire.
Pros
- No annual fee.
- Rental car insurance.
- Roadside assistance.
Cons
- $80,000 minimum income requirement.
- Top 4% earn rate is for CT stores only.
Card details
Card details- Collect 3% in Canadian Tire Money on the first $12,000 spent at eligible grocery stores per year and 1% on eligible grocery purchases after that.
- Collect 4% in Canadian Tire Money on qualifying purchases at Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Party City, Pro Hockey Life, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, and participating Sports Experts stores.
- Collect 7 cents in Canadian Tire money per litre of premium fuel, and 5 cents per litre on all other fuel types purchased at Gas+/Essence+ locations.
- Canadian Tire Money can be redeemed at Canadian Tire, Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepot du Hockey and participating Mark’s/L’Equipeur and Sports Experts stores.
- No fee, no interest financing on qualifying purchases of $150 or more at participating stores. Conditions apply.
- No-receipt returns at participating stores.
- Access to member-only events and personalized offers.
- Priority queuing when calling the Triangle call centre.
- Enrollment in the Triangle World Elite Mastercard Roadside Assistance Gold Plan, which includes 5 service calls per year and unlimited tows to any Canadian Tire Auto Service Centre within towing limits.
- Car rental collision/loss damage waiver insurance.
- Extended warranty insurance for eligible purchases.
- Eligibility: Must be a Canadian resident and the age of majority in the province/territory of residence.
- No annual fee.
- No fee for obtaining a supplementary card on the same account.
- Interest rates: 19.99% on purchases, 22.99% on cash transactions (21.99% in Quebec).
Methodology
BACK TO TOPWhat to know about gas credit cards in Canada
Credit cards that earn points or cash back at the pumps are ideal for those who frequently spend on fuel. If you have a long commute to the office, work for a rideshare service or own a gas-guzzler, this kind of card might make sense for your wallet.
Which credit cards offer the most valuable rewards on gas?
Plenty of credit cards earn rewards on dollars spent on fuel, but earn rates and rewards values differ — sometimes dramatically. Getting the biggest bang for your buck is a matter of determining the monetary value of different rewards points to compare the cash-back equivalent per dollar spent.
Some rewards programs publish the monetary value of their points, while others don’t. To develop monetary valuations for programs that are less transparent about the value of their points, NerdWallet Canada compared hundreds of reward redemption data points. We looked at some of the most popular gas cards in Canada to determine the potential value of different gas credit card rewards rates.
Credit cards that reward transit and EV charging
Not everyone drives a car that runs on gasoline, and others don’t drive at all. For some Canadians, transit and electric vehicle charging expenses replace traditional fuel expenditures. Some credit cards that reward gas spending also reward EV charging expenses, including the CIBC Dividend® Visa Infinite* Card, BMO CashBack® World Elite®* Mastercard®*, and RBC ION+ Visa Credit Card.
It’s also not uncommon for gas credit cards to reward rideshare and public transit spending.
How to choose a gas credit card
When comparing gas credit cards, consider the following:
Spending habits. A gas credit card is most valuable for those who regularly spend on vehicle fuel.
Rewards programs. When comparing credit card rewards programs, explore earn rates, redemption options, and program terms and conditions to determine whether it’s a program you want to participate in.
Earning caps. Some credit cards limit the rewards you can earn over specific time periods, so check the fine print for any program conditions.
Annual fees. Generally, the higher a credit card’s annual fee, the more luxurious its perks. Whether a card’s annual fee is worth paying depends on your budget and lifestyle.
Welcome offers. An introductory bonus adds additional value to a credit card but read the offer’s conditions so you’re aware of any cardholder actions required to unlock the offer.
Eligibility criteria. Some credit cards carry credit score and annual income eligibility criteria, so consider any qualification criteria before you apply.
How to get a gas credit card
If you prefer to apply in person and the card provider you’ve selected has a bank branch that you can access, you can fill out an application during business hours. Otherwise, a credit card application can be completed online. The process typically entails:
Visiting the provider’s website and navigating to the credit card’s webpage to start the application.
Entering your personal information, including your full name, date of birth, residential address, phone number and email address.
Submitting any required information to the card provider about your employment status.
Submitting any required information to the card provider about your finances.
Reviewing the card’s insurance coverage and terms and conditions.
Submitting your application.
Some credit card providers offer same-day application decisions, while others may take a week or two to process your request.
Gas credit card alternatives
While gas credit cards offer attractive rewards for road trippers, commuters and highway regulars, they won’t be practical for everyone. If gas purchases don’t comprise a sizable chunk of your everyday expenses, it may be worthwhile to explore alternative credit card options:
Grocery credit cards. Credit cards that offer elevated rewards on food shopping, like grocery credit cards, may be practical for those who frequently spend at the grocery store.
Travel credit cards. Travel credit cards cater to jet-setters and road-trippers alike with travel insurance, car rental discounts, free checked bags and more.
Cash back credit cards. A cash back credit card may offer elevated rewards for dollars spent on groceries, gas, dining, entertainment, public transit, recurring bill payments and more.
Exploring different card perks and reward program options can help you find a credit card that aligns with your spending habits and financial goals.
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Shannon Terrell
Georgia Rose
Shannon Terrell