5 Best Credit Cards for Gas in Canada (2026)

If you commute or run errands by car, gas is one of your steadiest monthly expenses — and one of the easiest to earn rewards on. The best gas credit cards in Canada pay 4% back at the pump, several times the 1% a typical card returns. Over a year of fill-ups, the right card is worth a tank or two for free.

A quick warning first: some cards only count major-brand stations (Esso, Shell, Petro-Canada) and exclude pumps attached to grocery or warehouse stores. We've factored that in below.

How to choose a gas card

1. Match the rate to your fill-ups. The top cards pay 4% on gas, but most cap the bonus (e.g. the first $X/month or $Y/quarter). If you drive a lot, a slightly lower uncapped rate can win.
2. Don't forget groceries. The strongest "gas" cards usually pay the same high rate on groceries, so one card can cover both of your biggest everyday categories.
3. Watch the network. Costco gas only accepts Mastercard. If you fuel up there, you need a Mastercard that treats Costco gas as gas.

Our top picks

Best overall for drivers: CIBC Dividend Visa Infinite

The CIBC Dividend Visa Infinite pays 4% cash back on gas and 4% on groceries — the best combined everyday rate of any mainstream Canadian card. As a Visa it's accepted virtually everywhere, including Costco-adjacent stations and EV charging. The $120 annual fee is frequently rebated for the first year. For most households that drive, this is the one to beat.

Best flat-rate plus gas: SimplyCash Preferred from American Express

The SimplyCash Preferred earns 4% on gas and a market-leading 2% on absolutely everything else — so even spending that has no bonus category still earns double. At about $10/month it pays for itself quickly for anyone with steady spend. Just confirm your usual station accepts Amex.

Best value (Ontario): Meridian Visa Infinite Cash Back

The Meridian Visa Infinite Cash Back matches the big banks at 4% on gas for a lower $99 fee (waived the first year). It's a credit-union card available to Ontario residents, and one of the best gas-and-grocery values going if you're eligible.

Best for drivers who want roadside help: TD Cash Back Visa Infinite

The TD Cash Back Visa Infinite pays 3% on gas and 3% on groceries and bundles in TD Auto Club roadside assistance — handy if you put a lot of kilometres on. Its welcome offer is among the richest in the category, worth up to ~$600 in the first year.

Best no-fee pick (Costco members): CIBC Costco Mastercard

Fuel up at Costco gas bars? The CIBC Costco Mastercard earns 3% at Costco gas (and 3% at restaurants) with no annual fee — and as a Mastercard, it's the network Costco actually accepts. A perfect free companion card for members.

Avoid these gas-card traps

• Caps. Most 4% rates apply only to a set amount of monthly or quarterly spend. Know yours, and consider a second card for overflow.
• "Gas station" ≠ any pump. Bonus categories can exclude pumps inside grocery/warehouse stores. When in doubt, check the merchant category.
• Pre-authorization holds. Pay inside or use tap to avoid large temporary holds at the pump on some cards.

The bottom line

For the best all-round value, the CIBC Dividend Visa Infinite wins on a combined 4% gas-and-grocery rate. Want a fee you'll barely notice and 2% on everything? The SimplyCash Preferred. And Costco members should grab the no-fee CIBC Costco Mastercard.

See how much each earns on your real fuel and grocery spend with our rewards calculator, or compare the full field of best cash back cards in Canada.