2025's Best Gas Credit Cards for Canadians
Find the best gas credit card and start earning points or cash back when you pay at the pump.
CashSurge
CashSurge increases the value of credit cards by introducing an additional cash bonus. We'll pay you up to $150 every time you are approved for a CashSurge credit card.
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What is a gas credit card?
Rewards credit cards offer points or cash back on spending categories like groceries, drugstore purchases, and entertainment. On the other hand, a gas credit card earns a specific number of points for everyday spending and an accelerated rate on fuel purchases. Generally, gas credit cards can be used at almost any retailer where the credit card payment network (e.g., Mastercard, Visa, and American Express) is accepted.
If you’re a frequent driver or take a lot of road trips with the family, a gas rewards credit card is an excellent way save at the pump or capitalize on trips to the gas station.
The best credit cards for gas in 2025
Credit card | Great features | Annual fee |
| $156 ($12.99 per month) | |
| $120 | |
| $120 | |
| $120 (First year waived) | |
| $120 (First year waived) | |
| $120 (First year rebated†) | |
| $0 | |
| $0 |
† Terms and conditions apply.
The RATESDOTCA Best of Finance methodology assumes the cardholder spends an average of $2,000 a month on their card to determine the first-year value. The calculation includes all welcome bonuses and promotional offers at the time of publishing. Cards are ordered from the highest first-year value to the lowest.
1. American Express Cobalt® Credit Card
The American Express Cobalt® Credit Card offers 2X the points for every $1 spent on eligible ride shares, transit & gas in Canada . Not only that, but as part of the Membership Rewards® program, this card has flexible redemption options. Redeem points for almost anything — from travel to statement credits, you name it.
According to our Best of Finance methodology, the average Canadian will earn around $1,361 in Membership Rewards® points in the first year.
Credit score requirement for approval:
Fair: You’ve had a credit card or loan for one or more years. For the last two years, you’ve paid back debts to creditors (with no defaults). You haven’t missed more than two payments on your credit in the last three months.
Annual fee:
$156 ($12.99 per month)
Annual fee for additional cardholders: $0
Limited time offer/bonus:
- In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets
Offer expiry date: N/A (Subject to change without notice)
Rewards:
- Earn five points for every $1 spent on eligible restaurants and food delivery purchases in Canada.
- Earn three points for every $1 spent on eligible streaming subscriptions in Canada.
- Earn two points for every $1 spent on eligible travel and transit, including stand-alone gas stations.
- Earn one point for every $1 spent on all other purchases.
Earning potential:
How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.
Rewards earned over a 12-month period = 80,971 Membership Rewards® points
Monetary value = $1,417
Hotel Booking Credit= $100
Annual fee = $156*
Total earned over the first year (rewards minus annual fee) = $1,361
*The American Express Cobalt® Credit Card has a $12.99 monthly fee ($155.88 per year).
You can redeem your points for:
- Travel
- Fixed Points Travel Program
- Merchandise
- Amazon.ca purchases
- Gift cards
- Statement credits
Insurance:
- Emergency medical term — 15 days
- Flight delay — $500
- Baggage delay — $500
- Lost and stolen baggage — $500
- Hotel burglary — $500
- Travel accident insurance — $250,000
- Car rental theft and damage insurance
- Mobile device — $1,000
- Purchase protection — 90 days
- Extended warranty — one year
Other perks:
- Access American Express Experiences for exclusive offers and curated events.
- Receive regular offers through the Cobalt Perks program.
- Access The Hotel Collection for benefits at over 600 participating hotels and resorts.
2. RBC Avion® Visa Infinite Card
Get instant savings on fuel with the RBC Avion® Visa Infinite Card. Link your card to save three cents a litre on fuel at Petro Canada and earn 20% more Petro-Points. Also, get 20% more RBC Rewards points for every $1 spent at Retail Petro-Canada locations.
According to our Best of Finance methodology, the average Canadian will earn around $1,460 in Avion Rewards points in the first year.
Credit score requirement for approval:
Good: You’ve had a credit card or loan for at least six years. You’ve had good credit for the last seven years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). You haven’t opened a new credit card account, loan, or line of credit in the last nine months. You’ve made the minimum payments on my existing credit cards for the past three months.
Annual fee:
$120
Annual fee for additional cardholders: $50
Limited time offer/bonus:
- Get up to 55,000 Avion points* (a value of up to $1,100†, that’s enough to fly anywhere in North America or the Caribbean! Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months*.
Offer expiry date: June 11, 2025
Rewards:
- Earn one RBC Rewards point for every $1 in purchases.
- Earn an extra 25% on eligible travel-related purchases.
Earning potential:
How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.
Rewards earned over a 12-month period = 79,600 RBC Rewards points
Monetary value = $1,692
Annual fee = $120
Total earned over the first year (rewards minus annual fee) = $1,572
You can redeem your points for:
- Travel
- Merchandise
- Gift cards
- RBC Financial Rewards
- Charitable donations
- Statement credits
Insurance:
- Emergency medical term — 15 days (three days for those over age 65)
- Travel accident — $500,000
- Trip cancellation — $1,500
- Trip interruption — $5,000
- Flight delay — $500
- Baggage delay — $500
- Lost or stolen baggage — $500
- Hotel burglary — $2,500
- Mobile device — $1,500
- Rental car theft and damage
- Purchase protection — 90 days
- Extended warranty — one year
Other perks:
- Link your card to get instant fuel savings at Petro-Canada. Plus, earn 20% more Petro-Points.
- Get a 12-month complimentary DashPass subscription and pay $0 delivery fees on orders of $12 or more with DoorDash.
3. Scotiabank®* Gold American Express® Card
The Scotiabank®* Gold American Express® Card offers 3X the Scene+ points for gas and daily transit, meaning cardholders get three points for every $1 spent on these purchases. This card is also one of the best travel rewards credit cards on the market. Get the rewards of a gas card and the perks and benefits of a lifestyle card.
According to our Best of Finance methodology, the average Canadian will earn $1,144 in Scene+ points in the first year.
Credit score requirement for approval:
Good: You’ve had a credit card or loan for at least six years. You’ve had good credit for the last seven years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). You haven’t opened a new credit card account, loan, or line of credit in the last nine months. You’ve made the minimum payments on my existing credit cards for the past three months.
Annual fee:
$120
Annual fee for additional cardholders: $29
Limited time offer/bonus:
- Earn up to 40,000 bonus Scene+ points. Get 20,000 Scene+ points when you spend at least $1,000 on the card in the first three months. Get another 20,000 Scene+ points when you spend at least $7,500 on the card in the first 12 months.
Offer expiry date: July 1, 2024
Rewards:
- Earn five Scene+ points for every $1 spent on eligible grocery, restaurant, fast food, food delivery, food subscription, and entertainment purchases.
- Earn three Scene+ points for every $1 spent on eligible gas and daily transit purchases and select streaming services.
- Earn one Scene+ point for every $1 spent on everything else.
Earning potential:
How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.
Rewards earned over a 12-month period = 114,400 Scene+ points
Monetary value = $1,144
Annual fee = $120
Total earned over the first year (rewards minus annual fee) = $1,024
*The $120 annual fee is waived for the first year.
You can redeem your points for:
- Travel
- Merchandise
- Gift cards
- Charitable donations
- Statement credits
Insurance:
- Travel emergency medical term — 25 days
- Trip cancellation — $1,500
- Trip interruption insurance — $1,500
- Flight delay — $500
- Baggage delay — $1,000
- Lost or stolen baggage — $1,000
- Travel accident — $500,000
- Rental car collision/loss damage insurance
- Hotel/motel burglary — $1,000
- Purchase protection — 90 days
- Extended warranty — one year
- Scotia Credit Card Protection (optional)
Other perks:
- Access American Express Invites® for exclusive offers and curated events.
- Save time booking reservations or tickets with the 24/7 concierge services.
- Pay no foreign transaction fees on foreign currency purchases made abroad and online, typically around 2.5%. Only the exchange rate applies.
4. BMO eclipse Visa Infinite* Card
The BMO eclipse Visa Infinite* Card offers five BMO Rewards points for every $1 spent on gas, and if you add an authorized user, you will earn 10% more (or 1.1 points for every $1 spent on these purchases). This card also features a $50 annual lifestyle credit to spend however you want.
According to our Best of Finance methodology, the average Canadian will earn roughly $996 in BMO Rewards points in the first year.
Credit score requirement for approval:
Good: You’ve had a credit card or loan for at least six years. You’ve had good credit for the last seven years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). You haven’t opened a new credit card account, loan, or line of credit in the last nine months. You’ve made the minimum payments on my existing credit cards for the past three months.
Annual fee:
$120
Annual fee for additional cardholders: $50
Limited time offer/bonus:
- Earn up to 60,000 BMO Rewards points. Get 30,000 BMO Rewards points after you spend at least $3,000 on the card in the first three months. Get another 2,500 points for each month in which you spend at least $2,000 on the card (beginning four months from the account open date until 15 months from the account open date). Plus, pay no annual fee for the first year.
Offer expiry date: November 30, 2025
Rewards:
- Earn five BMO Rewards points for every $1 spent on groceries, dining, gas, and transit purchases.
- Earn one BMO Rewards point for every $1 spent everywhere else.
Earning potential:
How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.
Rewards earned over a 12-month period = 141,830 BMO Rewards points
Monetary value = $946
Annual statement credit = $50
Annual fee = $0*
Total earned over the first year (rewards minus annual fee) = $996
*The $120 annual fee is waived for the first year.
You can redeem your points for:
- Travel
- Merchandise
- Gift cards
- Select investments
- Statement credits
Insurance:
- Out-of-province/country emergency medical insurance
- Common carrier insurance
- Car rental collision and loss damage insurance
- Mobile device — $1,000
- Purchase protection — 90 days
- Extended warranty — one year
Other perks:
- Get Visa Infinite Benefits for exclusive offers and concierge services.
- Earn 10% more rewards with an authorized user.
- Receive a $50 annual lifestyle credit.
5. BMO CashBack World Elite* Mastercard*
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The BMO CashBack World Elite* Mastercard* has a unique offering — get 3% cash back on the first $300 in automobile fuel purchases monthly, including gas and electric vehicle charging. This card also features roadside assistance for towing and other vehicle services.
According to our Best of Finance methodology, the average Canadian will see around $745 cash back in the first year.
Credit score requirement for approval:
Excellent: You’ve had a credit card or loan for at least 10 years. You’ve had good credit for the last seven years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). You haven’t opened a new credit card account, loan, or line of credit in the last nine months. You’ve made the minimum payments for your existing credit cards for the past six months.
Annual fee:
$120
Annual fee for additional cardholders: $50
Limited time offer/bonus:
- Earn 10% cash back in the first three months on up to $2,600 in total purchases and subject to the qualified spending caps in each category. Plus, pay no annual fee for the first year.
Offer expiry date: November 30, 2025
Rewards:
- Earn 5% cash back on your first $500 in grocery purchases monthly.
- Earn 4% cash back on your first $300 in ground transportation monthly.
- Earn 3% cash back on your first $300 in vehicle fuel purchases monthly.
- Earn 2% cash back on your first $500 in recurring bill payments monthly.
- Earn 1% cash back on all other purchases.
Earning potential:
How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.
Rewards earned over a 12-month period = $745
Annual fee = $0*
Total earned over the first year (rewards minus annual fee) = $745
*The $120 annual fee is waived for the first year.
You can redeem your points for:
- Deposit cash back into a BMO chequing, savings, or InvestorLine account.
- Apply cash back as a statement credit.
Insurance:
- Travel emergency medical term — eight days
- Travel accident — $500,000
- Trip interruption — $2,000
- Flight delay — $200
- Baggage delay — $750
- Lost or stolen baggage — $500
- Hotel burglary — $750
- Rental car theft
- Purchase protection — 180 days
- Extended warranty — two years
Other perks:
- Access roadside assistance for flat tires, battery boosts and towing.
- Save on rental cars at participating National Car Rental and Alamo Rent a Car locations.
- Get complimentary membership in Mastercard Airport Experiences provided by LoungeKey.
6. TD Cash Back Visa Infinite* Card
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The TD Cash Back Visa Infinite* Card offers 3% cash back for every $1 spent on gas and a free Deluxe TD Auto Club Membership for 24/7 roadside assistance†. Plus, access discounts on rental cars and auto rental collision insurance for all your automotive needs.
According to our Best of Finance methodology, the average Canadian will earn roughly $675 in Cash Back Dollars in the first year with this card.
Credit score requirement for approval:
Good: You’ve had a credit card or loan for at least six years. You’ve had good credit for the last seven years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). You haven’t opened a new credit card account, loan, or line of credit in the last nine months. You’ve made the minimum payments on my existing credit cards for the past three months.
Annual fee:
$120
Annual fee for additional cardholders: $50
Limited time offer/bonus:
- Earn up to $500 in value†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500†. Conditions apply. Account must be approved by January 6, 2025.
This offer is not available for residents of Quebec. For Quebec residents, please click here.
Offer expiry date: January 6, 2025
Rewards:
- Earn 3% in Cash Back Dollars on eligible grocery and gas purchases, and recurring bill payments set up on the account.
- Earn 1% in Cash Back Dollars on all other purchases.
Earning potential:
How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.
Rewards earned over a 12-month period = $675
Annual fee = $0*
Total earned over the first year (rewards minus annual fee) = $675
*The $120 annual fee is rebated for the first year†.
You can redeem your points for:
- Redeem Cash Back Dollars toward statement credits whenever you want.
Insurance:
- Travel medical† — 10 days (four days for those over age 65)
- Delayed and lost baggage† — $1,000
- Purchase security† — 90 days (up to 12 months with valid manufacturer warranty)
- Extended warranty† — 90 days (up to 12 months with valid manufacturer warranty)
Other perks:
- Get a free Deluxe TD Auto Club Membership for roadside assistance†.
- Save on rental cars at Avis Rent A Car and Budget Rent a Car at participating locations across the U.S. and Canada†.
- Access complimentary Visa Infinite* Concierge services†.
† Terms and conditions apply.
7. PC® World Elite Mastercard®
The PC®World Elite Mastercard® offers a great everyday value. Earn at least 30 points per litre at Esso and Mobil gas stations, and at least 10 points for every $1 spent elsewhere.
According to our Best of Finance methodology, the average Canadian will earn around $476 in PC Optimum points in the first year.
Credit score requirement for approval:
Good: You’ve had a credit card or loan for at least six years. You’ve had good credit for the last seven years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). You haven’t opened a new credit card account, loan, or line of credit in the last nine months. You’ve made the minimum payments on my existing credit cards for the past three months.
Annual fee:
$0
Annual fee for additional cardholders: $0
Limited time offer/bonus:
- Get 20,000 PC Optimum points after your first purchase using the card. That is a $20 value.
Offer expiry date: N/A (Subject to change without notice)
Rewards:
- Earn 45 points* per dollar you spend at Shoppers Drug Mart.
- Earn at least 30 points per litre at Esso and Mobil gas stations.
- Earn 30 points per dollar you spend on PC Travel and at President’s Choice grocery stores.
- Get 10 points per dollar everywhere else you shop.
*Earn 30 PC Optimum points for every $1 spent at Shoppers Drug Mart, in addition to the 15 points per dollar of eligible purchases that all PC Optimum members earn.
Earning potential:
How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.
Rewards earned over a 12-month period = 476,000 PC Optimum points
Monetary value= $476
Annual fee = $0
Total earned over the first year (rewards minus annual fee) = $476
You can redeem your points for:
Redeem points at Loblaw banner stores, including Loblaws, No Frills, Real Canadian Superstore, Valu-Mart, Zehrs, Independent, Fortinos, and Wholesale Club, as well as Shoppers Drug Mart locations for:
- Groceries
- Merchandise
Also, redeem points online via:
- JoeFresh.ca
- PC Express
Start to redeem your rewards when you collect 10,000 PC Optimum points, a $10 value.
Insurance:
- Travel medical — 10 days
- Car rental collision/loss damage waiver insurance
- Extended warranty — one year
- Purchase protection — 90 days
Other perks:
- Use the 24/7 concierge service to reserve tickets or book reservations.
- Add additional authorized users for free and start earning rewards faster as a household.
8. Tangerine Money-Back Credit Card
The Tangerine Money-Back Credit Card has a flexible rewards program, allowing cardholders to choose the accelerated earning categories that match their unique spending habits. Money-Back Categories include but are not limited to gas, groceries, parking and transportation, and even furniture.
Earn up to 2% in Money-Back Rewards when you spend within your selected Money-Back Categories. Earn 0.50% back on all other purchases.
According to our Best of Finance methodology, the average Canadian will earn $459 back in the first year.
Credit score requirement for approval:
Good: You’ve had a credit card or loan for at least six years. You’ve had good credit for the last seven years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). You haven’t opened a new credit card account, loan, or line of credit in the last nine months. You’ve made the minimum payments on my existing credit cards for the past three months.
Annual fee:
$0
Annual fee for additional cardholders: $0
Limited time offer/bonus:
- Earn an extra 15% back* (up to $150) when you spend up to $1,000 in everyday purchases within your first 2 months.*
- Access a 1.95% introductory interest rate on balance transfers made within the first 30 days of opening the account for six months. A 1% balance transfer fee applies to amounts transferred.
Offer expiry date: January 31, 2025
Rewards:
Earn 2% cash back in up to three Money-Back Categories of your choice. Start with two categories and earn the third when depositing your rewards into a Tangerine Savings Account. Earn 0.50% back on all other purchases.
10 Money-Back Rewards Categories:
- Grocery
- Furniture
- Restaurants
- Hotel-motel
- Gas
- Recurring bill payments
- Drugstore
- Home improvement
- Entertainment
- Public transportation and parking
Switch your categories to suit your spending habits and maximize your rewards.
Earning potential:
How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.
Annual rewards = $309
Welcome bonus = $150
Annual fee = $0
Total earned over the first year (rewards + bonus minus annual fee) = $459*
*This calculation assumes the cardholder deposits their rewards into a Tangerine Savings Account, earning the third Money-Back Category. The Money-Back Categories selected are groceries, recurring bill payments, and gas.
You can redeem your points for:
- Apply Money-Back Rewards as a statement credit monthly.
- Deposit Money-Back Rewards into a Tangerine Savings Account monthly.
Insurance:
- Purchase protection — 90 days
- Extended warranty — one year
Other perks:
- Add a free authorized user and earn rewards faster as a family.
Rates, product information and reward estimates are subject to change at any time and do not constitute financial advice. This post was not sponsored. RATESDOTCA may receive a referral fee from our partners or affiliate links featured on the site; however, our editorial choices are objective and free from bias. The opinions expressed in this article are purely those of RATESDOTCA; thus, the credit card issuers and partners are not responsible for any editorials or reviews that may appear. Please visit the associated brand’s website for complete and current terms and conditions on any product or service mentioned. The information in this article is accurate as of the date of this posting, July 4, 2021. Read our full disclaimer.
Why choose a gas credit card
Usually gas credit cards offer a higher rate of rewards for gas purchasers. If you're a frequent driver that tends to spend quite a bit of money on gas every month, a gas credit card could help you earn cash back. Whenever you fill up your car at a gas retailer, you can collect points (usually a few points per dollar spent) to use towards rewards or get cash back (typically 1-4%) on the total litres purchased. Some of the best gas credit cards even give you points or cash back on purchases of other monthly essentials, such as for groceries, dining out, and drug store purchases.
Still have more questions? Here’s what you need to know.
Are the annual fees worth it?
Probably, as long as you’re earning enough rewards to offset the fee. The fee is put in place every year so you can remain a cardholder while still enjoying the perks of the card. Most credit card annual fees range from $99.00 up to $139.00 or more. But some cards have no annual fee. Always do your research to find which card is best for you.
Is a gas credit card good for building a credit score?
Yes! In fact, a gas credit card is just another way of earning rewards on a credit card and most people will use their card for more than just buying gas.
But since a lot of people purchase gas on a regular basis, it can be used to build healthy credit, so long as you can keep up with monthly payments. But if you fall behind on payments, only pay the minimum month-to-month, or go over your credit limit, your credit score will take a hit.
The best way to build a credit score is to use your credit card responsibly by using and paying off your credit card every month.
How much money can you get back with a gas credit card?
The percent back on gas purchases vary with each card, ranging from 1% up to 4%.
There are plenty of credit cards that offer a variety of rewards. We suggest using the credit card guide to help find your best options.
We’ll compare your spending across gas and other essential categories, such as groceries and bills, to show you card that will give you the most rewards.
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Take a closer look at how you spend and find the credit card rewards program that delivers the best long-term value for you.
Optimizing how you use your available credit can help you maintain or improve your credit score.
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