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.
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?
| Credit card | Why we love it |
|---|---|
| Best for cash back on gas CIBC Dividend Visa Infinite Annual fee: $120 |
4% cash back on gas and EV charging, plus four other bonus categories |
| Best for cash back on gas with no fee Tangerine Money-Back Mastercard Annual fee: $0 |
2% unlimited cash back in two categories of your choice, including gas, with no annual fee |
| Best for roadside assistance TD Cash Back Visa Infinite Annual fee: $139 (rebated for the first year.) |
3% cash back on gas and complimentary emergency road services through the TD Auto Club Deluxe membership |
| Best points credit card for gas PC Financial World Elite Mastercard Annual fee: $0 |
At least 30 PC Optimum points per litre at Esso and Mobil stations |
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.
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CIBC Dividend Visa Infinite
Annual fee: $120 (rebated first year)
Welcome offer: earn a 10% cash back welcome bonus of up to $250 (first 4 statements). Offer not available to QC residents. Terms and 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 | 725 or higher |
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 Card
Annual fee: $0
Welcome offer: Earn an extra 10% cash back during the first two months (up to $100 in cash back). Must apply by October 31, 2024.
Card details
| Interest rates | 19.95% on purchases, 19.95% on cash advances and 19.95% on balance transfers |
| Income required | Personal or household income of $12,000 |
| Credit score | 660 or higher |
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.
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TD Cash Back Visa Infinite Card
Annual fee: $139 (waived first year)
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) |
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 Financial World Elite Mastercard
Card details
| Interest rates | 21.99% on purchases, 22.97% on cash advances (21.97% for residents of Quebec), 22.97% on balance transfers |
| 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. |
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
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