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2026'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.
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 2026
| Credit card | Great features | Annual fee |
| 1. American Express Cobalt® Credit Card |
| $191.88 ($15.99 per month) |
| 2. RBC Avion®Visa Infinite Card |
| $120 |
| 3. Scotiabank®*Gold American Express®Card |
| $120 (First year waived) |
| 4. BMO eclipse Visa Infinite* Card |
| $120 (First year waived) |
| 5. BMO CashBack World Elite* Mastercard* |
| $120 (First year waived) |
| 6. TD Cash Back Visa Infinite* Card |
| $139 (First year rebated†) |
| 7. PC® World Elite Mastercard® |
| $0 |
| 8. Tangerine Money-Back Credit Card |
| $0 |
† Terms and conditions apply.
The Rates.ca 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
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Rates, product information and reward estimates are subject to change at any time and do not constitute financial advice. This post was not sponsored. Rates.ca 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 Rates.ca; 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, January 28, 2026. 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.
Best credit cards in other categories
- All the Best Credit Cards in Canada
- Best No-Fee Cash Back Credit Card
- Best No-Fee Travel Credit Card
- Best Overall Travel Credit Card
- Best Overall Cash Back Credit Card
- Best Low Interest Credit Card
- Best Balance Transfer Credit Card
- Best Secured Credit Card for Building Credit
- Best Credit Card for Young Professionals
- Best Student Credit Card
- Best Credit Card for Earning Travel Points
- Best Credit Card With No Foreign Transaction Fees
- Best Family Credit Card for Gas and Groceries
- Best Credit Card for Subscriptions
- Best No-Frills Cash Back Credit Card
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