Top credit cards for roadside assistance and gas in Canada

The TD Cash Back Visa Infinite* Card has a welcome offer of 6% Cash Back† on all Purchases for the first 3 months^† up to a total spend of $2,000. Plus, first year no Annual Fee for the Primary and Additional Cardholders^†. Conditions apply. Must apply by May 29, 2022

As a TD Cash Back Visa Infinite* cardholder, you’ll be enrolled in a TD Deluxe Autoclub Membership, which covers you for all the standard types of roadside emergencies including battery boosting, flat tire repair, fuel delivery, lockout assistance, towing and winching.

What sets the TD Cash Back Visa Infinite* Card’s roadside assistance apart is you’ll receive an unlimited number of service calls, which is unlike the other credit cards on this list that impose a cap of either four or five free service calls per year.

Additionally, you can receive reimbursements for a range of expenses in the event of a roadside emergency including:

• Emergency transportation for you and your family back to your home in the event you’re stranded due to a mechanical issue with your vehicle or a car accident, provided your home is within 80 kilometres of the incident. Or you can receive a $25 reimbursement for any taxi or public transportation costs you choose to use to return home
• Up to $200 in reimbursements on meals or accommodation in the event you’re stranded due to a car accident or because your car was stolen and you need some food or a place to stay until your vehicle is repaired, returned, or a replacement is made available
• Up to an additional $50 reimbursement to cover personal necessities you need to pay for while staying at a hotel or motel while your vehicle issues are being resolved; and
• In some instances, you can receive between $150 to $300 in reimbursements for advice or assistance from a lawyer in the event of legal matters associated with a car incident (i.e. if you’re being sued for damages arising out of your operation of a vehicle).

Finally, you can even tap TD AutoClub’s Personalized Auto Trip Planning feature to have a specialist help you plan your next road trip by highlighting top travel routes, develop personalized itineraries, and even providing travel tips and suggestions.

Along with roadside assistance, the TD Cash Back Visa Infinite* rewards your spending. You’ll earn 3% cash back on eligible grocery, gas and recurring bill payments†, and 1% cash back on everything else†. The TD Cash Back Visa Infinite* also affords you access to a 24/7 concierge, the Visa Infinite Luxury Hotel collection, and the Visa Infinite Food and Wine Experience. The annual fee for this credit card is $120 (first year rebate)†, and additional users can be added for $50. You must earn $60,000 individually or $100,000 as a family to qualify for this credit card.

The BMO Cashback World Elite Mastercard is one of the stronger cash back credit cards on the Canadian market. With an annual fee of $120, you’ll earn 1.5% cash back on all credit card purchases without restrictions. Plus, when you sign up, you’ll earn a special bonus rate of 10% cash back during the first four months of spending, up to a maximum of $200.

This credit card comes with a suite of extra perks including travel and medical protection, extended warranty protection, 24/7 concierge service, and car rental collision/loss damage waiver protection. Plus, as a Mastercard that offers a flat 1.5% cash back on everything, the BMO CashBack World Elite is one of the best credit cards to use at Costco. The income requirement is $80,000 per year or $150,000 per year as a family.

The Tangerine Money-Back is one of the top no fee credit cards in Canada, earning a strong 2% cash back in up to three different bonus spending categories. The best part is you get to choose your own 2% bonus categories out of a total of ten options, and one of your choices includes gas. Your other two bonus categories can include anything from groceries and dining, to public transit, pharmacies, home improvement, and more.

There’s no limit to how much cash back you can earn and your rewards will be applied to your credit card statement every month, so you won’t have to wait a year for your gas savings to come into effect.

If you do earn a minimum annual income of at least $60,000, you may even qualify for the higher-tier Tangerine World Mastercard and get access to additional perks like mobile device insurance, a free Boingo Wi-Fi Membership, and rental car insurance.

Offering double the points on gas, the MBNA Rewards Platinum Plus Mastercard is an ideal choice for anyone who’s looking to earn points on one of the country’s best travel credit cards without paying an annual fee. MBNA Rewards points are flexible, and can be redeemed for flights on virtually any airline at a rate of 100 points for $1 (or 1 point equals 1 cent / 1%), or for a range of gift cards at rate of around 1 point equal 0.9 cents / 0.9%.

You’ll also earn 1 point per dollar on groceries and dining purchases. The MBNA Rewards Platinum Plus even has a slight edge over the Tangerine Money-Back Card (covered above) since it earns a minimum of 1 point per dollar on all your other everyday purchases while the Tangerine Money-Back offers 0.5% cash back.

The MBNA Rewards Platinum Card’s welcome bonus is also worth calling out and adds up to a potential value of $50. As a new cardholder, you’ll get 5,000 bonus points for signing up for online e-statements within the first 90-days of receiving your card along with another 5,000 points for making at least $500 in purchases within the same period.

While the PC Financial Mastercard is most synonymous with groceries, this entry-level card also offers great returns at the pump too. You’ll earn 30 PC Optimum per dollar at Esso stations, and when considering 10,000 PC points is worth $10, that works out to a 3% return. 3% on gas for a no fee, entry-level credit card at one of the largest gas station networks in the country is a solid offering.

You’ll also earn 25 PC points per dollar (2.5%) at Shoppers Drug Mart and 10 PC points per dollar (or 1%) everywhere else.

If you earn a minimum personal annual income of at least $60,000 or $80,000, you could automatically qualify for the higher tier PC Financial World or PC Financial World Elite respectively – both of which offer better returns on grocery purchases from Loblaws banner stores (including No Frills) and Shoppers Drug Mart.

The CIBC Dividend Visa offers 4% on gas – an earn rate no other cash back credit card can beat. To top it off, you’ll earn 4% on groceries and 2% on Telus purchases and at Tim Hortons. Another advantage is the card’s annual fee is set at $99 instead of the average $120 charged by most premium rewards credit cards.

The TD Cash Back Visa Infinite makes a second appearance on this blog. We called it out earlier for its comprehensive road assistance coverage, but it also deserves a mention for its great rewards on everyday purchases including on gas.

With this card, you’ll earn an unlimited 3% on gas purchases, along with groceries and recurring bills.

If you prefer to earn travel points instead of cash back, the Scotiabank Gold American Express Card is an excellent choice. With this credit card, users earn 3 points per dollar spent on gas and 5 points per dollar on groceries, entertainment, and restaurants. Most other everyday purchases earn 1 point per dollar spent. When redeeming Scotia points, 5,000 points equals $50 in free travel rewards (1 points equals 1 cent / 1%).

The Scotia Gold American Express has an annual fee of $120 per year and requires an annual income of just $12,000 per year. If you spend $1,000 within the first three months, you’ll receive a bonus of 30,000 points, up to a $300 value. This credit card is equipped with comprehensive travel insurance coverage, concierge services, and access to a reduced rate for airport lounges, select retailers through AMEX Offers, and more.