Gas can be a hefty line item, especially for Canadians with a daily commute. Using the right credit card when you fill up will earn you a return on your fuel expenses. But which card should you pick? We break down the top credit cards in the country that’ll help you save at the pump, either with cash back or rewards points.
Best gas credit cards in Canada
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Gold: Best gas credit card
CIBC Dividend Visa Infinite Card
Earn 4% cash back on gas and groceries, and save at the pump with exclusive fuel discounts.
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Interest Rates:
20.99% purchase, 22.99% cash advance, 22.99% balance transfer
Welcome offer:
$250 value
Earn a 10% cash back welcome bonus of up to $250 (first 4 statements). Offer not available to QC residents. Terms and conditions apply.
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Silver: Best gas credit card
SimplyCash Preferred Card from American Express
Get 4% cash back on gas and groceries and 2% back on all other purchases.
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Interest Rates:
21.99% purchase, 21.99% cash advance, N/A balance transfer
Welcome offer:
$250 value
Earn a bonus 10% cash back on all purchases for your first 3 months (up to $2,000 in purchases). Plus, earn a $50 statement credit when you make a purchase in month 13. This could add up to $250 in bonus value in your first 13 months.
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TD Cash Back Visa Infinite Card
Earn 3% cash back on gas and get free roadside assistance with a complimentary Deluxe TD Auto Club membership.
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Interest Rates:
20.99% purchase, 22.99% cash advance, 22.99% balance transfer
Welcome offer:
$600 value
Earn up to $600 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.
Compare the best gas credit cards
Use the table below to compare gas credit card options, or keep scrolling for our editors’ top picks.
| Best card by category | Annual fee | Rewards on gas purchases | Eligibility requirements | Recommended credit score |
|---|---|---|---|---|
|
CIBC Dividend Visa Infinite
|
$120 (rebated first year) | 4% cash back | $60,000 per year | 725 or higher |
Amex SimplyCash Preferred |
$120 | 4% cash back | None specificed | 725 or higher |
CIBC Costco Mastercard |
$0 | 3% cash back at Costco gas stations
2% cash back at other stations |
$15,000 per year | 560 or higher |
Tangerine Money-Back Mastercard |
$0 | 2% cash back | $12,000 per year | 660 or higher |
TD Cash Back Visa Infinite |
$139 (rebated first year) | 3% cash back | $60,000 per year | 680 or higher |
MoneySense award winners
Dive into the pros and cons of our gold, silver and bronze-winning credit card picks, as well as other credit cards with impressive rewards on gas purchases.
Gold: Best 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.
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CIBC Dividend Visa Infinite
Annual fee: $120 (rebated first year)
Welcome offer: Earn 10% cash back (up to $250 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 |
Silver: Best credit card for gas
At a glance: The Amex SimplyCash Preferred is one of the best cash back credit cards in Canada for those who spend heavily on gas and groceries. Earn an unmatched 4% cash back on gas and grocery purchases and a flat 2% back on everything else. With additional perks like a comprehensive insurance package and access to Amex benefits, this card is a great option for rewards on everyday spending.
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Amex SimplyCash Preferred
Annual fee: $120
Welcome offer: Earn a bonus 10% cash back on all purchases for your first three months (up to $2,000 in purchases) and a $50 statement credit when you make a purchase in month 13 (total value of up to $250).
Card details
| Interest rates | 21.99% on purchases, 21.99% on cash advances |
| Income required | None specified |
| Credit score | 725 or higher |
Pros
- High earn rates: Earn 4% cash back on gas and groceries, and a strong base rate of 2% on all other purchases.
- No income requirement: This card is accessible to many Canadians.
- Exclusive Amex perks: Access to Amex Front of the Line events, Amex Invites, Amex Experiences, tailored monthly offers, and exclusive dining and retail experiences.
- Free additional cards: Get supplementary cards at no extra cost.
- Refer-a-friend bonus: Earn up to $750 cash back annually for approved referrals.
Cons
- Mediocre insurance package: Includes 10 different types of insurance, like extended warranty (manufacturer’s warranty doubled), purchase protection, travel accident, rental car theft and damage, and more. However, the coverage amounts and limitations are not as strong as other premium cards.
- Limited Amex acceptance: Amex is not as widely accepted as Visa or Mastercard.
- Yearly redemptions: Rewards are issued as a statement credit once a year in September.
Bronze: Best credit card for gas
At a glance: The CIBC Costco Mastercard is a no-fee cash back card for Costco members. Earn an impressive 3% cash back on Costco gas, making it an excellent choice for drivers looking to save at the pump. The card also doubles as your Costco membership card (though the Costco membership fee still applies). If you’re a Costco regular who values savings on gas and dining, this card is a practical and rewarding choice.
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CIBC Costco Mastercard
Annual fee: $0
Welcome offer: This card does not have a welcome bonus at this time.
Card details
| Interest rates | 20.75% on purchases and 22.49% on cash advances |
| Income required | $15,000 per year |
| Credit score | 560 or higher |
Runners up for rewards on gas purchases
Tangerine Money-Back Credit Card
At a glance: With the Tangerine Money-Back Credit Card, you can 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.
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Tangerine Money-Back Credit Card
Annual fee: $0
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 |
TD Cash Back Visa Infinite Card
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. Enjoy complimentary 24/7 roadside assistance with a Deluxe TD Auto Club membership at no additional cost. With added travel benefits like rental car savings at Avis and Budget, rental car insurance, and access to other Visa Infinite features, this card is perfect for frequent travellers.
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TD Cash Back Visa Infinite Card
Annual fee: $139 (rebated first year)
Welcome offer: Earn up to $600 in value, including 10% cash back on eligible purchases during the first three months (on up to $3,500 in purchases). Conditions apply.
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) |