Best Credit Cards For Gas 2021 - Calculate Rewards (Canada)

Calculate which Canada credit cards will earn you the best return on gas spend, get our picks for the best cards of 2021, and compare top cards.
Last Updated 2021-08-12
Unlimited 2% Cash Rewards Paid Monthly With No Annual Fee. Earn 15% Cash Back When You Apply Today.

There's a handful of credit cards that can earn you a solid return on your gas station spending. Review the best credit cards in Canada for gas and fuel purchases and calculate which cards can earn you the most rewards based on your spend.

Best Gas Credit Cards In Canada

Tangerine Money-Back Mastercard
Best No-Fee Card For Gas
CIBC Dividend® Visa Infinite Card
Best Cash Back Card For Gas
BMO eclipse Visa Infinite Card
Best Travel Rewards Card For Gas
MBNA Rewards Platinum Plus® Mastercard®
Best No-Fee Travel Rewards Card For Gas

This page details our top picks for the best credit cards in Canada for gas and fuel purchases. There's also a Rewards Calculator at the bottom of this page that you can use to estimate which credit cards can earn you the best average return on your spend.

The cards on this page are updated periodically. New cards are introduced from time to time and the benefits of current cards could change at any time.

You can also use our Credit Card Finder Tool to search by spend across all credit cards in our database.


Best No-Fee Card For Gas

Tangerine Money-Back Mastercard
Tangerine Money-Back Credit Card

The best no annual fee credit card for earning easy and simple cash back rewards is the Tangerine Money-Back Credit Card.

It earns 2% cash back on two categories of your choice in which gas station is one of the many you can choose from. If you opt to have your rewards deposited into your Tangerine Savings Account, you'll be able to select a third category to earn 2% cash back in.

The Tangerine Money-Back Credit Card has no annual fee and there's no cap on the amount of rewards you can earn. You can also change your 2% categories to suit your spending habits in the case that they change.

Tangerine Money-Back Credit Card
Tangerine Money-Back Credit Card
Intro Bonus
Earn an extra 15% back
Rewards Rate
2%
Earn 2% Money-Back Rewards on your everyday purchases in two 2% Money-Back Categories of your choice
2%
Get your Rewards deposited into your Tangerine Savings Account and get a 3rd 2% Money-Back Category.
0.5%
Earn 0.5% Money-Back Rewards on all other purchases.
Main Card Highlights
  • Earn an extra 15% back (up to $150) on up to $1,000 of your everyday purchases in the first 2 months with a Tangerine Money-Back Credit Card.
  • Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
  • Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
  • No limit on the amount of Money-Back Rewards you can earn.
  • Change your 2% Money-Back Categories to suit your spending.
  • Extended warranty and purchase protection.
  • Income Requirement: $15,000/year Individual.
  • Want the same great earnings at no annual fee, but with additional benefits? Check out the Tangerine World Mastercard®.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.5%

Best Card For Esso & Mobil

PC Financial World Elite Mastercard®
PC Financial World Elite Mastercard®

If you spend shop often at Loblaw brand companies and typically get your gas from Esso or Mobil, you'll want to grab up the PC Financial World Elite Mastercard®.

It earns 30X Optimum PC Points with Loblaw Companies and PC Travel, at least 30X points per litre with Esso and Mobil, and 10X on everything else.

Points earned with the card can be redeemed at grocery and drug stores that fall under the Loblaw Companies brands which includes Loblaws, NoFrills, Zehrs, and Shopper Drug Mart to name a few.

PC Financial World Elite Mastercard®
PC Financial World Elite Mastercard®
Intro Bonus
View Issuer's Website
Rewards Rate
30X
Earn 30X points per $1 spent with Loblaw companies
30X
Earn 30X points per $1 spent with PC Travel
10X
Earn 10X points per $1 spent on everything else.
Main Card Highlights
  • Earn at least 30 points per litre at Esso and Mobil.
  • Stack your points by linking your PC Optimum™ card and PC Financial® Mastercard®.
  • Earn up to 45 points per $1 at Shoppers Drug Mart when you use your card to earn 30X on top of the 15X you already receive as a member.
  • Earn PC Optimum™ points across many locations and redeem in our grocery and drug stores.
  • No annual fee.
  • Minimum Income Requirements: $80,000 Individual or $150,000 Household
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.5%

Best Cash Back Card For Gas

CIBC Dividend® Visa Infinite Card
CIBC Dividend® Visa Infinite Card

If you want to maximize your rewards on gas spending in the cash back department, the CIBC Dividend Visa Infinite Card is one of the best options in the market.

The card earns 4$ cash back on gas and grocery purchases, 2% back on transit, dining, and recurring payments, and 1% back on everything else. Cash back can easily be redeemed through CIBC Online and Mobile Banking.

The card also offers up to a 10 cent per litre discount at Chevron, Ultramar and Pioneer gas stations, valuable insurance coverage, and travel benefits through the Visa Infinite program.

CIBC Dividend® Visa Infinite Card
CIBC Dividend® Visa Infinite Card
Intro Bonus
View Issuer's Website
Rewards Rate
4%
Earn 4% cash back on gas and grocery purchases.
2%
Earn 2% cash back on transportation, dining and recurring payments.
1%
Earn 1% cash back on everything else.
Main Card Highlights
  • Get your cash back anytime through CIBC Online and Mobile Banking®.
  • Get valuable insurance coverage, including mobile device and emergency travel medical.
  • Save up to 10 cents per litre at Chevron, Ultramar and Pioneer gas stations when you link your card with Journie Rewards.
  • Access hotel benefits, unique dining events and 24-hour complimentary concierge services with the Visa Infinite® program.
  • Minimum Income Requirements: $60,000 Individual / $100,000 Household
Annual Fee
$120 (first year rebated)
Authorized User Fee
$30 per card (first year rebated)
Foreign Transaction Fee
2.5%

Best Travel Rewards Card For Gas

BMO eclipse Visa Infinite Card
BMO eclipse Visa Infinite Card

The BMO eclipse Visa Infinite Card is a great choice if you're looking to earn rewards redeemable towards travel.

The card earns 5X points for every $1 spent on grocery, dining, gas, and transit and 1X on all other purchases. You can also earn a 10% point bonus when you add an authorized user to your account.

Points can be redeemed for travel at a value of 0.714 cents each which includes flights, hotels, car rentals, cruises and vacation packages.

Benefits of the BMO eclipse Visa Infinite Card include an annual $50 lifestyle credit, access to Visa Infinite benefits, and both travel and purchases insurance.

BMO eclipse Visa Infinite Card
BMO eclipse Visa Infinite Card
Intro Bonus
View Issuer's Website
Rewards Rate
5X
Earn 5X points for every $1 spent on groceries, dining in and out, gas and transit.
1X
Earn 1X points for every $1 spent on everything else.
10%
Earn 10% more points on all purchases when you add an authorized user to your account.
Main Card Highlights
  • Earn 10% more points on all purchases when you add an authorized user to your account.
  • Get a $50 annual lifestyle credit to use however you want.
  • Get access to the Visa Infinite Luxury Hotel Collection and enjoy seven exclusive benefits (like complimentary breakfast).
  • Make dining even finer with the Visa Infinite Dining Series.
  • Connect to the Visa Infinite Concierge - it’s like having a personal assistant on call!
  • Get the Visa Infinite Troon Golf Benefit and enjoy discounts at 95 resorts and courses around the world.
  • Get mobile device insurance, purchase security and extended warranty insurance, and travel insurance with your BMO eclipse Visa Infinite Card.
Annual Fee
$120
Authorized User Fee
$50
Foreign Transaction Fee
2.5%

Best No-Fee Travel Rewards Card For Gas

MBNA Rewards Platinum Plus® Mastercard®
MBNA Rewards Platinum Plus® Mastercard®

If you want to earn travel rewards without worrying about an annual fee, the MBNA Rewards Platinum Plus Mastercard is going to be the go to.

It earns 2X MBNA Rewards Points on restaurant, grocery, digital media, membership, and household utility purchases on up to $10,000 spent annually in each applicable category. You can also earn up to 10,000 bonus points per year with the Birthday Bonus.

Points earned with the card can be redeemed towards travel at a value of 1 cent each and can also be redeemed for cash back and charity donations at a lower value.

The MBNA Rewards Platinum Plus Card offers mobile device insurance as well as extended warranty benefits and purchase assurance.

MBNA Rewards Platinum Plus® Mastercard®
MBNA Rewards Platinum Plus® Mastercard®
Intro Bonus
View Issuer's Website
Rewards Rate
2X
Earn 2X points for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $10,000 is spent annually in the applicable category.
1X
Earn 1X points for every $1 spent on other eligible purchases.
Main Card Highlights
  • Each year, you will receive Birthday Bonus Points equal to 10% of the total number of Points the account earned in the 12 months before the month of the primary cardholder's birthday, to a maximum Birthday Bonus each year of 10,000 Points
  • Redeem points for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
  • No Annual Fee
  • Your MBNA Rewards Points never expire as long as your account is open and in good standing
  • The redemption value for travel is 100 points per $1, while cash and charity donations are 200 points per $1.
  • With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown.
  • Extended Warranty Benefits and Purchase Assurance
  • Use your MBNA credit card to save a minimum of 10% off the base rates in Canada and the U.S., and a minimum of 5% off the base rates internationally, on qualifying car rentals at participating Avis and Budget locations.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.5%

Best Credit Cards For Gas Summary

Credit Card Annual Fee Best For Learn More
Tangerine Money-Back Credit Card $0 Best No-Fee Card For Gas Learn More
PC Financial World Elite Mastercard® $0 Best Card For Esso & Mobil Learn More
CIBC Dividend® Visa Infinite Card $120 (first year rebated) Best Cash Back Card For Gas Learn More
BMO eclipse Visa Infinite Card $120 Best Travel Rewards Card For Gas Learn More
MBNA Rewards Platinum Plus® Mastercard® $0 Best No-Fee Travel Rewards Card For Gas Learn More

Best Credit Cards By Spend Calculator

The Best Credit Cards By Spend Calculator will give you an idea of which credit cards will offer you the most rewards and best return based on your spend.

Results will be sorted by net return. This is calculated by taking the average value of the rewards earned adding the average value of card benefits and subtracting any annual fees the card has.

Results will consist of top-rated credit cards in the market.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Currently Selected:

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
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Income Requirements

Some credit cards require certain income requirements to be met either based on your individual income or the income of the entire household. You can set a max income to limit which cards are listed in the result. Cards that require an income limit over the amount selected will not be included in the results.
Income Type
Income Maximum

Credit Card Rewards Type

Select the type(s) of rewards you're looking to earn when using credit cards and we will grab the top-rated cards for that type. De-selecting all options will pull from all available credit cards available on the site.
Cash Back is one of the most flexible and easy-to-use currencies. It can be used towards just about anything.
Airline miles are great if you're looking to book free flights. They can be earned using co-branded airline credit cards or by using transfer partners.
Hotel rewards points can be used to book free nights at hotels. They can be earned using co-branded hotel credit cards or by using transfer partners.
Travel rewards allow you to book a wide range of travel options including flights, hotels, cruises, car rentals and more. This may include booking travel directly through the bank's travel portal, transferring rewards to travel programs, or using rewards to wipe out travel purchases made to your card.
General rewards can be used for just about anything. This includes gift cards, statement credits, travel, cash back, and more.

Personal or Business Card

Choose the type of card you're looking for.
These are your standard consumer credit cards that you use for your personal, everyday purchases.
If you want to earn rewards on your business spend, business credit cards are the way to go.
If you don't have a preference, why not display both?

Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option.

If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such.

Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations.

When set to zero (0), they will calculate based on The Point Calculator's valuations. Any non-zero value you enter will be used in the calculations.

You can click on the to learn more about the value of the currency when applicable (opens in a new tab/window). Depending on the calculations, all programs listed below may not be featured in the results.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
Results Will Appear Here
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