We break down the top credit cards in the country that’ll help you save at the pump—with either cash back or rewards points.
Top 3 gas credit cards
Tangerine Money-Back Credit Card
TD Cash Back Visa Infinite Card
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Overview of the best gas credit cards
Gas costs can be a hefty line item, especially for Canadians with a daily commute or even a hybrid situation—and it’s one that is largely out of our individual control. Using the right credit card when you fill up will earn you a return on your fuel expenses. But which card should you pick?
| Best card by category | Highlights | Details | Eligibility requirements |
|---|---|---|---|
FEATURED GO TO SITE | Award: Best for cash back on gas Best features: 4% cash back on gas and EV charging, plus four other bonus categories | Annual fee: $120 (rebated first year) Rewards: 1% to 4% cash back Interest rates: 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers | Income: $60,000 (personal) or $100,000 (household) Credit score: 725 or higher |
| FEATURED Tangerine Money-Back Mastercard  GO TO SITE | Award: Best no-fee card for cash back on gas Best features: 2% unlimited cash back in two categories of your choice, with no annual fee | Annual fee: $0 Rewards: 0.5% to 2% cash back Interest rates: 20.95% on purchases, 22.95% on cash advances, 22.95% on balance transfers | Income: $12,000 (personal or household) Credit score: 660 or higher |
| FEATURED TD Cash Back Visa Infinite  GO TO SITE | Award: Best for roadside assistance Best features: 3% cash back on gas and complimentary emergency road services through the TD Auto Club Deluxe membership | Annual fee: $139 (waived first year) Rewards: 1% to 3% cash back Interest rates: 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers | Income: $60,000 (personal) or $100,000 (household) Credit score: 680 or higher (recommended) |
PC World Elite Mastercard LEARN MORE | Award: Best points credit card for gas Best features: At least 30 PC Optimum points per litre at Esso and Mobil stations | Annual fee: $0 Rewards: 10 to 45 points per dollar Interest rates: 21.99% on purchases, 22.97% on cash advances, % on balance transfers | Income: $80,000 (personal) or $150,000 (household) Credit score: 560 or higher |
Best cash back credit card for gas
At a glance: The CIBC Dividend Visa Infinite offers unbeatable rewards for everyday spending, with up to 4% cash back on gas, EV charging and groceries. With an additional 2% cash back on dining, transit and recurring bills, plus 1% on everything else, this card delivers consistent rewards across categories. Plus, save up to 10 cents per litre at select gas stations with Journie Rewards. It’s the perfect card for anyone seeking flexible cash back options without sacrificing value, especially for frequent drivers and shoppers.
CIBC Dividend Visa Infinite
Annual fee: $120 (rebated first year)
- 4% cash back on eligible gas, EV charging and grocery purchases
- 2% on dining, daily transit and recurring payments
- 1% on everything else
Welcome offer: Earn 10% cash back (up to $300 in cash back on your first four statements), plus a first-year annual fee rebate. Offer not available to Quebec residents.
Card details
| Interest rates | 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers |
| Income required | Personal income of $60,000 or household income of $100,000 |
| Credit score | 725 or higher |
Pros
- High earning: The highest earn rate for gas in Canada and one of the highest for groceries.
- Gas savings: Link your card with Journie Rewards and save up to 10 cents per litre at Pioneer, Fas Gas, Ultramar and Chevron stations.
- Easy redemption: Redeem cash back anytime (for a minimum of $25) through CIBC’s online and mobile banking.
- Broad spending categories: Broadly defined categories mean rewards on more purchases.
- Travel insurance: Includes travel insurance for emergency medical care, common carrier accidents and car rentals.
Cons
- Need high income and credit score: It may be more difficult to qualify for this card than some others.
- Earning cap: Most cards have specific limits for each category but this card caps higher bonus rates at $80,000 net spending, which may be limiting for large households.
- Limited insurance: Limited insurance offerings for a card with a $120 annual fee.
Best no-fee cash back credit card for gas
At a glance: The Tangerine Money-Back Credit Card is the best no-fee cash back card for everyday purchases like gas, groceries and more. Choose up to three out of ten spending categories to earn unlimited 2% cash back, while receiving 0.5% back on everything else. Customize your spending categories to suit your lifestyle, and enjoy easy, automatic monthly rewards deposits. With tools to track your spending, this card is perfect for those wanting to monetize their everyday bills without paying for the privilege.
Tangerine Money-Back Credit Card
Annual fee: $0
- 2% in up to 3 categories of your choice (including groceries, gas and dining)
- 0.5% cash back on everything else
Welcome offer: Earn an extra 10% cash back during the first two months (up to $100 in cash back).
Card details
| Interest rates | 20.95% on purchases, 22.95% on cash advances and 22.95% on balance transfers |
| Income required | Personal or household income of $12,000 |
| Credit score | 660 or higher |
Pros
- Unmatched cash back flexibility: Pick up to three bonus categories and change them over time to reflect your evolving spending habits.
- Easy redemption: Rewards are automatically deposited into your account monthly.
- Free additional users: Add up to 5 free authorized users and earn faster as a family.
- Low balance transfer interest rate: Transfer balances during the first 30 days and pay only 1.95% interest on the balance for the first 6 months (plus a 1% fee).
Cons
- Limited insurance and perks: Only the most basic two coverages are included (purchase assurance and extended warranty) and extra perks are limited.
- Low base rate: A 0.5% base rate is lower than some other no-fee cash back cards.
- No physical branch: Tangerine does not have any physical bank branches.
Best credit card for gas with roadside assistance
At a glance: The TD Cash Back Visa Infinite Card is a top choice for drivers, offering 3% cash back on gas, groceries and recurring bills, and 1% on other purchases. Enjoy a complimentary Deluxe TD Auto Club membership, providing 24/7 roadside assistance among other perks. With added travel benefits like car rental savings at Avis and Budget, auto rental insurance and access to other Visa Infinite features, this card is perfect for road-trippers and frequent travellers.
TD Cash Back Visa Infinite Card
Annual fee: $139 (waived first year)
- 3% cash back on gas, grocery and recurring bill payments
- 1% on all other purchases
Welcome offer: Earn up to $500 in value, including 10% in cash back during the first three months (up to $350 in cash back). Conditions apply. Account must be approved by January 6, 2025.
Card details
| Interest rates | 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers |
| Income required | Personal income of $60,000 or household income of $100,000 |
| Credit score | 680 or higher (recommended) |
Pros
- High earning: High earn rate on three major categories, including gas.
- Extensive travel perks: Perks include 24/7 concierge services, a Deluxe TD Auto Club membership, exclusive benefits of the Visa Infinite Luxury Hotel Collection and more.
- Extensive insurance: Coverage includes travel medical insurance up to $2 million, baggage insurance, rental car insurance and more.
- Auto rental discount: Use this card and save 10% in Canada and the U.S., and 5% internationally, on car rentals with Avis and Budget.
- Easy redemption: Redeem cash back anytime (for a minimum of $25) through TD’s online and mobile banking.
Cons
- Earning cap: Cash back on gas, groceries and pre-authorized payments is only up to an annual spending cap of $15,000 for each category.
- High income and credit score requirement: It may be more difficult to qualify for this card than some others.
- High annual fee: The annual fee is high for a cash back card.
Best points credit card for gas
At a glance: The PC World Elite Mastercard, designed for ultimate gas and grocery rewards, is Canada’s first no-fee World Elite Mastercard. Earn 45 PC Optimum points per dollar at Shoppers Drug Mart and 30 points per dollar at most Loblaw-banner grocery stores like No-Frills and Real Canadian Superstore. Also, earn at least 30 points per litre at Esso and Mobil gas stations across Canada (rates vary by location) and 10 points everywhere else. With flexible and easy redemption, points can be used at the till for groceries, gas, car washes and more.
PC World Elite Mastercard
Annual fee: $0
- 45 PC Optimum points per $1 at Shoppers Drug Mart
- 30 points per $1 at Loblaw banner grocery stores
- At least 30 points per litre at Esso and Mobil gas stations
- 10 points per $1 on everything else
Card details
| Interest rates | 21.99% on purchases, 22.97% on cash advances (21.97% for residents of Quebec) |
| Income required | Personal income of $80,000 or household income of $150,000 |
| Credit score | 560 or higher |
| Point value | 10 PC points = $0.01 at Loblaws grocery network and Shoppers Drug Mart. |
Pros
- High earning: High earn rate at the pump and the highest earn rates on spending at one of the largest retail networks in the country.
- Easy redemption: The simplest redemption process of any loyalty program in Canada; just show your card at checkout at participating retailers.
- No annual fee: This is a great no-fee cash back card.
- Insurance and perks: This card includes emergency travel medical insurance, rental car insurance, identity theft assistance and 24/7 concierge services.
Cons
- Limited earning and redemption: Bonus earn rates and redemption only at certain partner stores.
- High income requirement: It may be more difficult to qualify for this card.
- Limited insurance: Insurance offerings are limited since it’s a no-fee card.
How we determine the best cards
The MoneySense editorial team selects the best credit cards by assessing the value they provide to Canadians across various categories. Our best credit cards for gas ranking is based on an extensive list of card details and features—with a focus on those that matter to drivers—including annual fees, interest rates, welcome offers, rewards earn rates, annual income requirements, and perks such as insurance coverage and roadside assistance. Our rankings are an unbiased source of information for Canadians. The addition of links from affiliate partners has no bearing on the results. Read more about how MoneySense makes money.
Frequently asked questions
Short answer: It’s complicated. This is the most confusing aspect of choosing a gas card option. A gas card is a type of credit card that’s associated with a retailer, like Petro-Canada or Shell, and allows you to collect points or rewards only at their pumps. Then there are credit cards associated with points programs, like Scotia Rewards, Air Miles and PC Optimum, which allow you to collect and redeem for a wide variety of rewards beyond just gas. There are plenty of different ways you can use these products together, but you typically earn more rewards by using “regular” credit cards in tandem with points programs than you do by using a gas credit card alone.
There’s not a single, straightforward answer to this question. The best credit card for gas depends on many factors, such as your personal spending habits, your membership in loyalty programs, and even what gas retailers are located closest to you. If you want cash back, the CIBC Dividend Visa Infinite offers one of the highest earn rates. Other cards, such as the TD Cash Back Visa Infinite, come with perks that are great for long-distance drivers and frequent travellers.
