Best gas credit cards in Canada for 2026

The best gas credit cards can help offset the cost of fuel by offering cash back, travel points, fuel discounts, and rewards on everyday driving expenses. Check out our picks for the top gas credit cards in Canada, including the best options for EV charging, roadside assistance, and gas station loyalty programs.

Best gas credit cards in Canada compared

The CIBC Dividend® Visa Infinite* is one of the best gas credit cards in Canada thanks to its industry-leading rewards on everyday essentials. It was named the Best Credit Card for Gas in the 2026 Ratehub Credit Card Awards because of its strong combination of fuel rewards, grocery cash back, and overall everyday value. Cardholders earn 4% cash back on eligible gas, EV charging, and grocery purchases (one of the highest earn rates available among major cash back cards in Canada), along with 2% back on eligible transportation, dining, and recurring bill payments.

The card also offers flexible redemptions through CIBC’s Cash Back On Demand feature, allowing cardholders to redeem rewards anytime starting at just $10. Drivers can maximize savings even further by linking the card with Journie Rewards to save up to 10¢/L at participating Pioneer, Fas Gas, Ultramar, and Chevron stations.

The Tangerine Money-Back Credit Card is one of the best no-fee gas credit cards in Canada because of its flexible and customizable rewards structure. Cardholders can choose up to three bonus categories, including gas, groceries, restaurants, and recurring bills, to earn 2% cash back, making it an excellent option for drivers who want to maximize fuel rewards without paying an annual fee. Plus, as a Mastercard, the card is also widely accepted at Canadian gas stations, Costco, and warehouse retailers, making it a practical everyday option for commuters and household spending. 

The Tangerine® Rewards World Elite Mastercard® is one of the best gas rewards credit cards in Canada for Shell customers thanks to its built-in fuel discounts and Scene+ rewards integration. Cardholders can choose gas as one of their accelerated earning categories to earn 1.5x Scene+ points on eligible purchases, while also unlocking additional savings at participating Shell stations. These perks include an instant 3¢/L discount on all fuel grades, an additional 4¢/L discount on Shell V-Power fuel, and up to 3¢/L in Scene+ rewards value on eligible fill-ups. The ability to customize bonus categories every 90 days also gives the card added flexibility, making it a strong option for Canadians loyal to Shell and Scene+ rewards.

The TD Cash Back Visa Infinite is one of the best credit cards for gas and roadside assistance thanks to its combination of strong everyday cash back rewards and valuable driving perks. Cardholders earn 3% cash back on eligible gas, grocery, EV charging, and public transit purchases, along with complimentary 24/7 emergency roadside assistance through a Deluxe TD Auto Club membership. Coverage includes towing, battery boosts, lockout assistance, fuel delivery, and emergency travel benefits such as transportation, meals, and accommodations following a breakdown. Combined with flexible cash back redemptions and broad Visa acceptance, the card offers excellent value for commuters, families, and frequent road-trippers.

The American Express Cobalt Card is one of the best gas rewards credit cards in Canada for earning points on everyday spending. Cardholders earn 2x Membership Rewards points on eligible gas, transit, and rideshare purchases in Canada, along with an industry-leading 5x points on eligible dining, groceries, and food delivery purchases. Many cardholders maximize gas rewards by purchasing gas gift cards at grocery stores to earn elevated 5x rewards before using them at the pump. Membership Rewards points can also be transferred 1:1 to several airline loyalty programs, making the Cobalt one of the most valuable travel rewards cards for Canadian drivers and commuters.

The RBC Avion Visa Infinite is one of the best credit cards for Petro-Canada customers thanks to RBC’s partnership with Petro-Points. By linking your RBC card with a Petro-Points membership, you can instantly save 3¢/L on fuel while earning 20% more Petro-Points and 20% more Avion points at participating Petro-Canada locations. In addition to fuel savings, Avion points can be redeemed for travel, merchandise, gift cards, and statement credits, making this card a strong choice for drivers who want both gas rewards and travel flexibility.

The PC World Elite Mastercard is one of the best gas credit cards in Canada for drivers who regularly fill up at Esso and Mobil stations. Cardholders earn 30 PC Optimum points per $1 spent on eligible gas purchases at Esso and Mobil stations in Canada, along with accelerated rewards at Loblaw-affiliated grocery stores, Shoppers Drug Mart, and Joe Fresh locations. The card also has no annual fee and allows drivers to earn at least 3¢/L in PC Optimum points on fuel purchases, making it a strong everyday option spending option.

The RBC ION+ Visa is one of the best credit cards in Canada for EV charging thanks to its strong rewards on everyday transportation and commuting purchases. Cardholders earn 3x Avion points on eligible EV charging, gas, rideshare, grocery, dining, streaming, and subscription purchases, making it an excellent fit for Canadians transitioning from traditional fuel spending to electric vehicle ownership. The card also offers added value through RBC’s partner ecosystem, including the ability to link your card with Petro-Points to save 3¢/L on fuel and earn additional rewards at Petro-Canada stations.

The best gas loyalty programs in Canada

The best gas loyalty programs in Canada allow drivers to earn rewards in two ways at once: through the gas station’s loyalty program and through a rewards credit card. This is known as “stacking” rewards, and it can significantly increase the value you earn every time you fill up.

Depending on the program, rewards may come in the form of instant fuel discounts, travel points, grocery rewards, or store credit. Some programs focus on maximizing long-term value through points accumulation, while others prioritize immediate savings at the pump.

Shell + Scene+

Shell's loyalty program runs through the Shell Go+ app and earns Scene+ points on fuel, convenience store, and car wash purchases at over 1,400 locations across Canada. Members earn one Scene+ point per litre on fuel and one point per dollar spent on eligible convenience store and car wash purchases. Each point is worth 1 cent, and points are redeemed in increments of 1,000 ($10 off) at Shell locations or anywhere else in the Scene+ network, which includes Sobeys, Cineplex, and a range of travel and gift card options. 

Linking your Scene+ account to Shell Go+ earns you a 10% bonus on points, and purchasing Shell V-Power premium fuel doubles that bonus. Eligible Scotiabank and Tangerine cardholders can unlock up to 7 cents per litre in instant savings at the pump, and CAA members can register their membership in the app for an additional 3 cents per litre off every fill-up.

Best paired with: Tangerine Rewards World Elite Mastercard

Petro-Points

Petro-Points is Petro-Canada's free loyalty program, available at over 1,500 locations nationwide. Members earn 10 points per litre on fuel and 10 points per dollar spent in-store or on car washes, with every 1,000 points equaling $1 in rewards. Points can be redeemed for fuel savings, car washes, or gift cards, and can also be converted into CT Money for use at Canadian Tire stores. 

The program becomes more valuable when you link partner accounts: connecting an RBC card gives you an instant 3 cents per litre discount plus 20% more points, while linking a Triangle Rewards account adds another 20% point bonus on qualifying purchases. New members also receive a welcome bonus of 50 points per litre on their first purchase, up to 50 litres.

Best paired with: RBC® Avion Visa Infinite†

PC Optimum + Mobil

PC Optimum is Loblaw's loyalty program, and it extends to fuel purchases at Esso and Mobil stations across Canada. Members earn 10 points per litre on fuel and 10 points per dollar on eligible convenience store and car wash purchases, with 10,000 points equaling $10 in rewards. One of the program's biggest advantages is that points are shared across the entire PC Optimum network, meaning every litre of gas contributes to the same balance you build at Loblaws, No Frills, and Shoppers Drug Mart. 

Pairing the program with a PC Financial credit card raises the earn rate at the pump considerably, and targeted bonus offers through the app can further accelerate your balance. Redemptions at Esso give you 10 cents off per litre on up to 40 litres for every 4,000 points, or a free car wash for 10,000 points.

Best paired with: PC® World Elite Mastercard®

Journie Rewards

Journie Rewards is operated by Parkland Corporation and is available at over 1,100 gas stations across Canada, including Ultramar, Chevron, Pioneer, Fas Gas, ON the RUN, and Marché Express. The program is most valuable when linked with Aeroplan: linked members earn 1 Journie point per litre on gas and 2 points per dollar in-store, and automatically receive 300 Aeroplan points each time they reach 300 Journie points. Those Aeroplan points can be redeemed toward flights or used for fuel discount vouchers at the pump. 

Linking an eligible CIBC card also adds an automatic per-litre instant discount on every fill-up, separate from any points you accumulate, with the CIBC Dividend Visa Infinite unlocking up to 10 cents per litre in savings at participating stations.

Best paired with: CIBC Dividend® Visa Infinite* Card

Canadian Tire Triangle Rewards

Triangle Rewards is Canadian Tire's loyalty program, with fuel earning available at Gas+ and Essence+ stations as well as at Petro-Canada locations through a partnership with Petro-Points. Rather than points, the program earns CT Money, which is redeemed like cash at a rate of $1 per dollar at Canadian Tire and other affiliated retailers. At Gas+ stations, members collect 3 cents per litre in CT Money when paying with cash or debit, and 5 cents per litre when paying with a Triangle credit card. Linking your Triangle Rewards account with Petro-Points also lets you earn CT Money at Petro-Canada locations while simultaneously collecting Petro-Points on the same purchase.

Best paired with: Triangle™ World Elite Mastercard®

How to choose the best gas credit card

Choosing the right gas credit card comes down to a few key factors that vary from driver to driver. Before applying, it is worth thinking through each one to make sure the card you pick actually fits how you drive and spend.

Annual fee vs. expected gas spend

Most premium gas credit cards charge an annual fee, but offset that cost with higher earn rates and additional perks. To figure out whether a fee is worth it, estimate your annual gas spend and calculate how much you would earn back at the card's advertised rate. If the rewards exceed the fee, the card likely pays for itself. If you do not drive frequently enough to justify the cost, there are solid no-fee options that still deliver competitive returns on fuel purchases.

Rewards type: cash back or points

Gas credit cards generally earn either cash back or points. Cash back is straightforward — you earn a percentage of your spend back as a statement credit or deposit, and the value is always clear. Points cards can deliver more value per dollar if you redeem strategically, particularly for travel, but they require more effort to manage. Think about which approach fits your habits before choosing.

Your preferred gas station

Several of the best gas credit cards in Canada are designed to work best at a specific fuel brand. RBC cards pair best with Petro-Canada, PC Financial cards are optimized for Esso and Mobil, CIBC cards offer the best value at Journie-affiliated stations like Ultramar and Chevron, and Tangerine cards have the strongest perks at Shell. If you fill up at the same brand regularly, choosing a card aligned with that station is one of the simplest ways to increase your rewards.

Your broader spending habits

Many gas credit cards also earn accelerated rewards on groceries, dining, transit, and recurring bills. If you spend significantly more on groceries than on gas each month, for example, a card with a strong grocery earn rate may deliver more total value than one that prioritizes fuel alone. It is worth looking at the full earn structure of a card, not just the gas rate, before deciding.

Additional perks

Some gas credit cards include extras that can add meaningful value depending on your situation. Roadside assistance coverage is a useful perk for drivers who log a lot of kilometres or travel in remote areas. EV charging rewards are worth considering if you own or plan to own an electric vehicle, since several cards now treat charging the same as gas for earning purposes. And if Amex acceptance is a concern at your preferred stations, a Visa or Mastercard may be the more practical choice even if an Amex card offers a higher earn rate on paper.

How to maximize gas rewards in Canada

Here are some of the most effective ways to increase the value you earn on every fill-up.

Stack your loyalty program with the right credit card

The biggest gains come from combining a gas station loyalty program with a credit card that is built to work with it. Paying with a linked RBC card at Petro-Canada, for example, earns you Petro-Points, an instant per-litre discount, and Avion points on the same transaction. Similarly, linking a CIBC card to Journie Rewards triggers an automatic fuel discount on top of your Aeroplan earning. Using a card and loyalty program independently leaves value on the table that stacking would otherwise capture.

Buy gas gift cards at grocery stores

Some credit cards earn significantly more on grocery purchases than on gas. If your card falls into that category, purchasing gas gift cards at a grocery store lets you earn the higher grocery rate on what is effectively fuel spend. This approach works particularly well with cards that offer elevated rewards on groceries, and is worth considering if your card earns more at the supermarket than at the pump.

Use gas price apps to find the cheapest fill-up

Finding cheaper gas can save you more money than any loyalty program on its own. Apps like GasBuddy let you check real-time prices at nearby stations before you fill up. When you combine price awareness with a rewards card and a loyalty program, you are optimizing both the cost of the fuel itself and the return on every litre.

Take advantage of credit card welcome bonuses

Most premium gas credit cards include a welcome bonus that requires a minimum spend within the first few months of account opening. Gas is a predictable and recurring expense, making it a reliable way to contribute toward that threshold. Meeting the full requirement on time is one of the highest-return moves you can make with a new card, so it is worth timing your application around a period of normal or higher driving activity.

Also read:

• The best cash back credit cards in Canada
• How to save money on a road trip
• The best credit cards for groceries
• The best credit cards for rewards