The best gas credit cards in Canada for 2023

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Credit cardDetails
CIBC Dividend Visa InfiniteBest for cash back on gas
• $120 annual fee
• 4% cash back on gas and groceries
• 2% on dining, daily transit and recurring bills
Tangerine Money-Back Mastercard*Best for cash back on gas with no fee
• No annual fee
• 2% cash back on unlimited purchases in two categories, including gas
• 2% in up to two other spending categories
TD Cash Back Visa Infinite*Best for roadside assistance
• $139 annual fee
• 3% cash back on gas (up to $15,000 annually)
• Complimentary emergency road services through the TD Auto Club Deluxe membership
Scotiabank Gold American Express*Best for gas and travel
• $120 annual fee
• Earn 3 Scotia Rewards points per $1 spent on gas
• Travel perks that include no foreign transaction fees; and travel emergency medical, trip cancellation, flight delay, lost baggage and accident insurance
Canadian Tire Triangle MastercardBest for gas at Canadian Tire
• No annual fee
• Earn $0.05 per litre at Gas+ stations
• 4% in CT Money on purchases at Canadian Tire banner stores
PC Financial World Elite Mastercard* Best for gas at Esso
• No annual fee
• Earn at least 30 PC Optimum points per litre at Esso and Mobil stations

Why trust us

MoneySense is an award-winning magazine, helping Canadians navigate money matters since 1999. Our editorial team of trained journalists works closely with leading personal finance experts in Canada. To help you find the best financial products, we compare the offerings from over 12 major institutions, including banks, credit unions and card issuers. Learn more about our advertising and trusted partners.

Canada’s best credit cards for gas in more detail

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? We break down the options in our list of the best credit cards for gas.

Best cash back credit card for gas

CIBC Dividend Visa Infinite

With the Dividend Visa Infinite, CIBC offers a strong contender in the cash back credit card category, especially for drivers, and even more so if you add your grocery bill to this card. With a return of 4% on gas, EV charging and groceries, this card is designed to put money back in your pocket. There are other bonus categories to earn cash back, including 2% on daily transit (including rideshares and public transit), so you get rewards on all modes of transit, as well as 2% on dining and recurring payments.

  • Annual fee: $120
  • Interest rates: 20.99% on purchases, 22.99% on cash advances, (21.99% for Quebec residents), 22.99% on balance transfers
  • Earn rate on gas: 4%
  • Rewards on other purchases: 4% cash back on groceries and EV charging, 2% on dining, daily transit and recurring bills, and 1% back on everything else
  • Welcome offer: You can Earn 10% cash back welcome bonus of up to $200 (first 4 statements). Offer not available to QC residents. Conditions apply.
  • Additional benefits: Emergency travel medical; car rental collision and loss damage insurance; mobile device insurance; plus save up to $0.10 per litre at participating Chevron, Ultramar and Pioneer gas stations when you link your card with the Journie Rewards program.
  • Annual income requirement: Personal income of $60,000 or household income of $100,000

Best no-fee cash back credit card for gas

Tangerine Money-Back Mastercard*

The Tangerine Money-Back Mastercard has no annual fee and it offers straight cash rewards, which gives it strong appeal to a large number of Canadians. Credit card holders are rewarded with 2% cash back on unlimited purchases in two categories of your choosing, including gas, groceries, restaurants and drugstores. Opt to have your cash automatically deposited into a Tangerine savings account to receive 2% cash back in a third category. (You’ll earn 0.5% on everything else.) Plus, in the first 30 days after being approved for the card you can transfer balances from higher-interest cards at a low promotional interest rate of 1.95% for six months (plus a 1% fee). For those who want to monetize their fuel purchases without paying for the privilege, this no-frills card is a winner.

  • Annual fee: $0
  • Interest rates: 19.95% on purchases, 19.95% on cash advances, 19.95% on balance transfers
  • Earn rate on gas: 2% cash back
  • Rewards on other purchases: 2% in up to two other spending categories of your choice and 0.5% cash back on everything else.
  • Welcome offer: You can earn an extra 10% back on up to $1,000 in everyday purchases within the first 2 months. Must apply by October 31st, 2023.
  • Additional benefits: Purchase assurance and extended warranty
  • Annual income requirement: $12,000

Best credit card for gas with roadside assistance

TD Cash Back Visa Infinite*

TD Cash back Visa Infinite

The TD Cash Back Visa Infinite is a strong money back card offering a 3% return on gas, grocery and recurring bill payments (and 1% back on everything else). The return rate on gas would be enough for the card to place on our list, but it’s actually the roadside assistance (among other perks) that make it a standout card for drivers. Cardholders have complimentary emergency road services through an included Deluxe membership with TD Auto Club. This package includes 24-hour emergency assistance calls, towing, lockout and winching services, traffic accident emergency transportation, meals, accommodations and necessities, and even reimbursement options for issues TD Auto Club was unable to assist with. Plus, cardholders have auto rental loss and collision insurance and discounts at Avis and Budget. For frequent commuters or road-trippers, these perks can easily cover the card’s annual fee.

  • Annual fee: $139 (rebated for the first year—conditions apply to qualify.)
  • Interest rates: 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers
  • Earn rate on gas: 3% cash back (up to $15,000 annual spend)
  • Rewards on other purchases: 3% cash back on groceries and recurring bill payments (up to $15,000 annual spend each); 1% back on everything else.
  • Welcome offer: 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 March 4, 2024. Quebec residents, please click here.
  • Additional benefits: Automotive benefits like rental insurance, discounts on car rentals and a Deluxe membership with TD Auto Club; travel insurance, including travel medical and delayed or lost baggage; access to Visa Infinite perks, such as concierge services and complimentary room upgrades when you travel.
  • Annual income requirement: Personal income of $60,000 or household income of $100,000

Best travel credit card for gas 

Scotiabank Gold American Express*

If you’re looking to turn your fuel purchases into points, look no further than the Scotiabank Gold American Express credit card. This card operates within the Scotia Rewards program, which allows collectors to redeem their points for travel rewards, merchandise, gift cards and even credit to put against their card balance. Cardholders earn 3 Scotia Rewards points on every $1 spent on eligible purchases including gas, public transit and streaming services, and 5 points per $1 on groceries, restaurants and entertainment. Double-dip with the gas points program of your choice and earn even more.

  • Annual fee: $120
  • Interest rates: 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers
  • Earn rate on gas: 3 Scotia Rewards points per $1
  • Rewards on other purchases: 5 Scotia Rewards Points per $1 spent on groceries, dining and entertainment, 3 points per $1 spent on public transit, rideshares, taxis and online streaming services, 1 point per $1 spent on everything else.
  • Welcome offer: You can earn up to $650 in value in the first 12 months, including up to 40,000 bonus Scene+ points. Must apply by October 31, 2023.
  • Additional benefits: No foreign transaction fees; travel emergency medical, trip cancellation, flight delay, lost baggage and accident insurance; rental car collision protection; hotel or motel burglary insurance; purchase protection and extended warranty; complimentary concierge service; VIP airport lounge access with Priority Pass.
  • Annual income requirement: $12,000

Best credit card for gas at Canadian Tire

The Canadian Tire Triangle Mastercard

If you’re a loyal Canadian Tire shopper, you’re probably already familiar with Canadian Tire (CT) Money. The storied rewards program that dates back to the 1950s. Nowadays the program is digital, but the exchange rate remains the same: $1 in CT Money is equal to CAD$1. With the no-fee Triangle Mastercard you’ll earn 4% back on purchases at Canadian Tire and partner stores like Sport Chek and Mark’s/L’Équipeur, as well as 1.5% back on groceries (except at Walmart and Costco). Plus, you have access to other perks like the no-fee, no-interest financing program which lets you pay off larger purchases in installments. What’s more, Canadian Tire recently announced that Triangle members can earn rewards at Petro-Canada gas stations in addition to Gas+ stations starting in 2024.

  • Annual fee: $0
  • Interest rates: 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers
  • Earn rate on gas: $0.05 per litre on gas purchased at Gas+ and Essence+
  • Rewards on other purchases: 4% in CT Money on spends at Canadian Tire, Sport Chek, Mark’s/L’Équipeur, Atmosphere, Party City, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, and participating Sports Experts stores; 1.5% in CT Money on groceries up to $12,000 annually. 
  • Welcome offer: No welcome offer at this time.
  • Additional benefits: No-fee, no-interest financing; access to members-only events; personalized offers
  • Annual income requirement: None

Best credit card for gas at Esso

PC Financial World Elite Mastercard*

pc-financial-World-elite

The PC Optimum program is one of the most popular rewards programs in Canada, due in part to its flexibility and ease of use that lets you redeem at the till. The no-fee PC Financial World Elite Mastercard offers accelerated earn opportunities at Shoppers Drug Mart and Loblaw-family groceries stores like No-Frills, Real Canadian Superstore and Fortinos, and at more than 4,500 Esso and Mobil gas stations across Canada. The last of which is where you’ll get at least 30 points per litre (rates vary by location). PC Optimum points can be redeemed at a rate of 10,000 points (equal to $10) by simply showing your card at the till of a participating retailer. At Esso, you can redeem points for gas and car washes.

  • Annual fee: $0
  • Interest rates: 21.99% on purchases, 22.97% on cash advances, 22.97% on balance transfers
  • Earn rate on gas: At least 30 PC Optimum points per litre at Esso and Mobil
  • Rewards on other purchases: 45 PC Optimum points per $1 at Shoppers Drug Mart; 30 points per $1 at Loblaw-family grocery stores and at PC travel; 10 points per $1 spent everywhere else
  • Welcome offer: earn 20,000 PC Optimum points ($20 value).
  • Additional benefits: Travel emergency medical insurance; car rental collision/loss damage coverage

    Annual income requirement: Personal income of $80,000 or household income of $150,000

Our methodology: 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 and Scotiabank Gold American Express, come with perks that are great for long-distance drivers and frequent travellers.


More of Canada’s best credit cards:

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About Keph Senett

About Keph Senett

Keph Senett writes about personal finance through a community-building lens. She seeks to make clear and actionable knowledge available to everyone.