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Best Gas Credit Cards Canada

Top Picks + Rewards Calculator
Get our top picks for the best gas credit cards in Canada, calculate which cards can earn you the most rewards, and compare results side by side.
By Robert Flowers III - 2024-01-24

If you spend a lot on fuel and you're looking to maximize your rewards, there's no shortage on great credit card options in Canada.

Here are our top picks for best Canada credit cards for earning rewards on gas and fuel purchases:

  • Scotiabank American Express Card: Best for travel rewards at no annual fee.
  • Tangerine Money-Back Credit Card: Best for unlimited 2% back at no annual fee.
  • National Bank World Elite® Mastercard®: Best travel rewards Mastercard.
  • SimplyCash™ Preferred Card from American Express: Best for very high cash back.
  • Scotiabank Gold American Express Card: Best for no foreign transaction fee.
  • CIBC Dividend® Visa Infinite Card: Best Visa for earning cash back.
  • PC Financial World Elite Mastercard®: Best for fueling up at Esso & Mobil.

Scotiabank American Express Card

Best For Travel Rewards At No Annual Fee
Scotiabank American Express Card
  • Earning Rate: Earn 3X Scene+ points at participating grocers, 2X points at restaurants, fast food, drinking establishments, other grocery stores, and on entertainment, gas, and daily transit, and 1X on everything else.
  • Main Highlights: New mobile device insurance
  • Annual Fee: $0
  • Summary: The Scotiabank AMEX Card is a fantastic choice if you're looking to earn rewards redeemable towards travel, grocery, or Cineplex. It offers a great return for a card that has no annual fee.

Tangerine Money-Back Credit Card

Best For Unlimited 2% Money-Back At No Annual Fee
  • Earning Rate: Earn 2% Money-Back on up to two select categories of your choice and 0.5% on all other purchases. Choose a 3rd 2% Money-Back category if you deposit rewards into a Tangerine Savings account.
  • Main Highlights: Unlimited 2% Money-Back, rewards paid out monthly, and low income requirement.
  • Intro Bonus: Get 10% back, up to $100, when you spend up to $1,000 in your first 2 months.
  • Annual Fee: $0.
  • Summary: You can choose gas station and another category of your choosing to earn an uncapped 2% back at no annual fee which is fantastic. Rewards are also paid out monthly which is a big plus if you want to reap your rewards sooner.

National Bank World Elite® Mastercard®

Best Travel Rewards Mastercard
National Bank World Elite® Mastercard®
  • Earning Rate: Earn 5X points on the first $2,500 in monthly grocery and restaurant purchases (then 2X), 2X points on gas, electric vehicle charging, recurring bill payments, and À la carte Travel purchases, and 1X on all other purchases.
  • Annual Credits: $150 in travel-fee refunds
  • Main Highlights: National Bank VIP Lounge access (Montreal-Trudeau) and top-notch travel insurance.
  • Annual Fee: $150.
  • Summary: The NBC World Elite Mastercard offers high earning rates across several everyday categories. You can redeem points through their À la carte Travel™ Agency at a value of 1 cent per point. The card also features fantastic travel insurance including trip cancellation and trip interruption insurance.

SimplyCash™ Preferred Card from American Express

Best For (Very) High Cash Back
SimplyCash™ Preferred Card from American Express
  • Earning Rate: Earn 4% cash back on gas station purchases in Canada, 4% back on grocery purchases in Canada (up to $1,200 cash back annually), and an unlimited 2% back on all other purchases.
  • Main Highlights: Unlimited 2% cash back.
  • Annual Fee: $9.99 per month which comes out to $119.88 annually.
  • Summary: If the places you obtain gas and grocery from accept American Express credit cards, this card cannot be beat. The annual fee on the card may catch your eye, but even 'lite' spending on this card will drown that fee out quickly. This is the best one-and-done cash back credit card in Canada (again, assuming the places you shop at take AMEX).

Scotiabank Gold American Express Card

Best For No Foreign Transaction Fee
Scotiabank Gold American Express® Card
  • Earning Rate: Earn 6X Scene+ points at participating grocers, 5X in Canada on dining, food delivery, entertainment, and other eligible grocery stores, 3X in Canada on gas, daily transit, and select streaming services, and 1X on everything else.
  • Main Highlights: Airport Lounge access via Priority Pass, No Foreign Transaction Fees on international purchases, and top-notch travel insurance.
  • Annual Fee: $120
  • Summary: The Scotiabank Gold AMEX Card is one of the best travel credit cards in Canada with no foreign transaction fee. If you plan on travel internationally or plan on making international purchases, this is the card to have in your wallet.

CIBC Dividend® Visa Infinite Card

Best Cash Back Visa Card
CIBC Dividend® Visa Infinite Card
  • Earning Rate: Earn 4% cash back on gas and groceries, 2% back on transportation, dining, and recurring payments, and 1% back on everything else.
  • Main Highlights: Visa Infinite benefits.
  • Annual Fee: $120
  • Summary: The CIBC Dividend Visa Infinite Card is an excellent choice if you're looking to earn rewards with a Visa. It offers high earning rates (capped at $80,000/year) along with Visa Infinite benefits which includes hotel, dining, and wine tastings benefits.

PC Financial World Elite Mastercard®

Best For Esso & Mobil
PC Financial World Elite Mastercard®
  • Earning Rate: Earn 30X points with Loblaw Companies and PC Travel and 10X points everything else.
  • Main Highlights: Bonus points with Esso and Mobil.
  • Annual Fee: $0
  • Summary: If you get gas specifically from Esso and Mobil (and shop at Loblaw companies), the PC Financial World Elite Mastercard is an excellent option. You can earn up to 30X points at Esso and Mobil and redeem those points for purchases made at Loblaw companies.

Gas Rewards Calculator: Which Card Is Best For You?

Input your gas & fuel spend into your rewards calculator to find out which credit cards will earn you the most points, miles, or cash back. You can also add additional spending categories if you wish.

Results will consist of all available credit cards in our database. They will be sorted by net return which is the average value of rewards earned, plus annual credits, and minus annual fees.

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Calculator Options
What Type of Rewards Do You Want To Earn?
This calculator can output the best credit cards for a general rewards type or compile a list of the best credit cards for earning rewards with a specific loyalty program.
Frequent Flyer Programs
Select the frequent flyer program that you want to earn rewards for. Results will include all co-branded credit cards offered by the selected airline and all credit cards partners that allow you to transfer rewards to the selected airline.
Hotel Loyalty Programs
Select the hotel loyalty program that you want to earn rewards for. Results will include all co-branded credit cards offered by the selected hotel program and all credit cards partners that allow you to transfer rewards to the selected hotel program.
Other Loyalty Programs
Select the program that you want to earn rewards for. Results will include all credit cards offered by the selected program and all credit cards partners that allow you to transfer rewards to the selected program.
Personal Or Business?
Are you looking for personal (consumer) credit card or business credit cards? You can also include both in the results.
Income Maximum
Select if you're looking for credit cards based on your own individual income or if you're looking for credit cards based on the income of the entire household -AND- select the maximum income requirement you want listed in the results.
Enter Your Monthly & Yearly Spend Amounts
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
Deletes all categories in the Category Spending section so you can start fresh.
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.
Type at least 3 characters.
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About Spend Region: Some credit cards feature categories that only earn rewards when spending in a certain region. Changing this category to Domestic or International spend will calculate such for those cards, otherwise it's assumed by Default.

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Results

These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card. They should be used for illustrative purposes only.