Best Gas Credit Cards Canada - Calculate Rewards & Compare

October 2022
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.
Last Updated 2022-02-24

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 For No Annual Fee
Annual Fee: $0
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.
Earn 15% Back
Earn an extra 15% back (up to $150) when you spend up to $1,000 in everyday purchases within your first 2 months.
Best For Esso & Mobil
PC Financial World Elite Mastercard®
PC Financial World Elite Mastercard®
Annual Fee: $0
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.
Best For High Earnings
CIBC Dividend® Visa Infinite Card
CIBC Dividend® Visa Infinite Card
Annual Fee: $120 (first year rebated)
Rewards Rate
4%
Earn 4% cash back on eligible gas and groceries
2%
Earn 2% cash back on eligible transportation, dining and recurring payments
1%
Earn 1% cash back on all other eligible purchases
Best For Travel Rewards
BMO eclipse Visa Infinite Card
BMO eclipse Visa Infinite Card
Annual Fee: $120
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
60,000 Bonus Points
Earn 30,000 points when you spend $3,000 in the first 3 months, and 2,500 points for each subsequent month in which you make at least $2,000 in purchases on your card, for 12 months.
Best For Travel Rewards with No Annual Fee
MBNA Rewards Platinum Plus® Mastercard®
MBNA Rewards Platinum Plus® Mastercard®
Annual Fee: $0
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.

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 For No Annual Fee

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.

Best 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.

Best For High Earnings

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.

Best For Travel Rewards

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.

Best For Travel Rewards with No Annual Fee

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.

Best Credit Cards For Gas Summary

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

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.

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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.

All spend entered in the fields above will carry over to every credit card rewards calculator on the site so there's no need to re-enter spend.