7 Best Gas Credit Cards Canada (+ Rewards Calculator)

There's a handful of credit cards that can earn you a solid return on your gas station spending. Review our top Canada credit card picks for gas & fuel purchases and calculate which credit cards will earn you the most rewards based on the spend amounts you enter into our tool.

Scotiabank American Express Card

Best For Travel Rewards At No Annual Fee

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.
Calculate Card Value & Scene+ Points per dollar spent for the Scotiabank American Express Card.

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.
Learn More about the Tangerine Money-Back Credit Card.
Calculate Card Value & Cash Back per dollar spent for the Tangerine Money-Back Credit Card.

National Bank World Elite® Mastercard®

Best Travel Rewards 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.
Intro Bonus: Earn up to 70,000 points. Earn 30,000 points when you spend $5,000 or more in the card within three months of opening, 10,000 points when you sign up for the Mastercard credit card payment insurance for a period of 3 months, and 30,000 points on the first anniversary if you spend $12,000 or more within the first 12 months of opening the account. Ends June 30, 2023.
Annual Fee: $0 the first year, then $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.
Learn More about the National Bank World Elite Mastercard.
Calculate Card Value & NBC Rewards Points per dollar spent for the National Bank World Elite Mastercard.

SimplyCash™ Preferred Card from American Express

Best For (Very) High Cash Back

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).
Calculate Card Value & Cash Back per dollar spent for the SimplyCash Preferred Card from American Express.

Scotiabank Gold American Express Card

Best For No Foreign Transaction Fee

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.
Calculate Card Value & Scene+ Points per dollar spent for the Scotiabank Gold American Express Card.

CIBC Dividend® Visa Infinite Card

Best Cash Back Visa 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.
Calculate Card Value & Cash Back per dollar spent for the CIBC Dividend Visa Infinite Card.

PC Financial World Elite Mastercard®

Best For Esso & Mobil

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.
Calculate Card Value & PC Optimum Points per dollar spent for the PC Financial World Elite Mastercard.

Best Credit Cards For Gas Summary

Credit Card	Annual Fee	Best For
Scotiabank American Express Card	$0	Travel Rewards at No Annual Fee
Tangerine Money-Back Credit Card	$0	Unlimited 2% Back at No Annual Fee
National Bank World Elite® Mastercard®	$0 the first year, then $150	Travel Rewards with a Mastercard
SimplyCash™ Preferred Card from American Express	$9.99 per month ($119.88 annually)	Very High Cash Back
Scotiabank Gold American Express Card	$120	No Foreign Transaction Fee
CIBC Dividend® Visa Infinite Card	$120	Cash Back with a Visa
PC Financial World Elite Mastercard®	$0	Esso & Mobil

Gas Credit Card Rewards Calculator

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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. You can click on the estimated earnings to see the calculations or click on the card to learn more.

Do note that all spend amounts entered into the tool above will carry over to every credit card rewards calculator on the site, so there's no need to re-enter spend if you choose to dive deeper into calculating rewards for credit cards on the site.

Best Credit Cards

Listed below are up to 10 of the best rewards credit cards based on the spend amounts you entered (when applicable).

Travel Cards

Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money.

Cash Back Cards

Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.

Rewards Cards

If you're looking to earn a solid return on your spend, rewards credit cards are the way to go. These cards offer general rewards that can be used towards a number of different redemptions including cash back, statement credits, travel, gift cards, and more.

Airline Cards

These are the best credit cards if you're looking to use rewards towards award flights. Co-branded credit cards offer benefits such as lounge access the ability to earn qualifying miles through spending.

Hotel Cards

If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many of these cards also offer great benefits such as annual free nights, complimentary elite status, and more.

No Annual Fee Cards

If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.

No Foreign Transaction Fee Cards

When you make a charge with your credit card outside of the country, many card issuers will charge you a foreign transaction fee. Luckily, there are a handful of credit cards that waive foreign transaction fees which is great if you're looking to earn rewards on international spending and travel.