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How to choose the best* credit cards for drivers

Get accelerated rewards points or cash back on gas purchases, roadside assistance, fuel discounts and car rental insurance with these credit cards.

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Credit cards designed for drivers usually offer accelerated rewards points, miles or cash back on gas purchases, as well as fuel discounts, roadside assistance, and added benefits like comprehensive car rental insurance and discounts on your rental. While the most powerful credit cards for drivers come with an annual fee, there are a few no annual fee options out there that might suit your needs.

We’ll help you compare credit cards for drivers and learn how to choose the best card for your needs.

*Disclaimer: How we chose the best credit cards for drivers

We’ve chosen the cards on this page based on the providers available through Finder. These cards are not representative of the entire market. Our top credit cards for drivers offer specific benefits for drivers including a high value of rewards or cash back on gas, exclusive perks such as discounted gas and car rental insurance, and a signup bonus. We’ve also considered annual fees and balance transfer fees.

No single credit card will be the best choice for everyone, so compare your options before picking your new card.

Best credit card for drivers: American Express Gold Rewards Card

American Express Gold Rewards Card

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The American Express Gold Rewards Card lets you earn accelerated travel rewards points that can be used towards flights or transferred to frequent flyer and other loyalty programs. Earn 2 Membership Rewards points for every $1 spent on eligible gas station, grocery store, drug store and travel purchases and on eligible hotel and car rental bookings made with American Express Travel, and earn 1 Membership Reward point for every $1 spent on all other eligible purchases

As an added bonus, the card comes with a generous incentive for new cardmembers. Earn a Welcome Bonus of 25,000 Membership Rewards points when you spend at least $1,500 on eligible purchases within the first three months Card members also get access to a suite of travel benefits including insurance coverage. However, take note that this is a charge card, not a regular credit card, which means that you must pay off your balance fully each month or a penalty interest rate of 30% will be applied.

Best for driving overseas: Scotiabank Gold American Express Card

Scotiabank Gold American Express Card

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With a fresh new look, the Scotiabank Gold American Express Card is a powerful everyday credit card as well as a strong travel companion. Book flights through Scotiabank's full-service travel agency, enjoy 24/7 concierge service, get access to over 1,200 airport lounges around the world and enjoy exclusive Amex benefits. Enjoy peace of mind with a broad array of travel insurance options including Emergency Medical (up to $1,000,000), Travel Accident, Trip Cancellation and Interruption, Flight Delay, Delayed or Lost Baggage and Rental Car Collision Loss/Damage.

Please note: All information about TD Cash Back Visa Infinite Card has been collected independently by Finder and this card is not available through this site.

Best for earning cash back: TD Cash Back Visa Infinite Card

TD Cash Back Visa Infinite Card

With the TD Cash Back Visa Infinite Card, you’ll earn 3% cash back on all eligible grocery store purchases, gas purchases and regularly recurring bill payments. Plus, you’ll earn 1% on all other purchases. What really makes this card stand out as one of the top cash back cards is the big welcome bonus of 6% cash back on all eligible purchases for the first three months.

If you’re a frequent traveller, the Visa Infinite perks can come in handy. Enjoy travel insurance coverage, a complimentary concierge service, roadside assistance and access to exclusive experiences and discounts.

Best for earning rewards points: American Express Cobalt Card

American Express Cobalt Card

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The American Express Cobalt Card boasts a wide suite of benefits and a powerful rewards program that lets you redeem points for travel, merchandise, Amazon.ca purchases, gift cards and statement credit. Earn 5 Membership Rewards points per $1 spent at eligible grocery stores, restaurants, bars, cafés and food delivery services. Earn 2 Membership Rewards points per $1 spent at eligible gas stations, and on transit and travel purchases. Earn 1 Membership Rewards point per $1 spent elsewhere. Terms apply.

Enjoy complimentary travel insurance, car rental benefits, protection on your purchases and a generous signup bonus. Earn up to 45,000 bonus Membership Rewards points. In your first year as a new Cobalt Cardmember, earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 on your card (for a total of 30,000 points in a year). Plus, earn a Welcome Bonus of 15,000 Membership Rewards points when you spend a total of $3,000 in purchases on your Card in your first 3 months of Cardmembership. Apply by May 5, 2021.

Best for no annual fee: Scotiabank American Express Card

Scotiabank American Express Card

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For a card with a $0 annual fee, the Scotiabank American Express Card offers great value like the opportunity to earn points that can be redeemed for thousands of rewards through the Scotia Rewards Program. Earn 1 Scotia Rewards point for every $1 spent on eligible purchases.

Most items purchased with this card are eligible for Price Protection as well as Purchase Security and Extended Warranty Protection.

Cardholders also get travel perks. Redeem Scotia Rewards points for travel anytime with no travel restrictions. Use Scotiabank's full-service travel agency to book your next flight, and get a Best Price Guarantee on airfare. Enjoy peace of mind with complimentary travel insurance coverage for emergency medical situations, travel accidents, trip interruptions and rental car collision loss/damage.

Best for using at Shell gas stations: Shell CashBack Mastercard from BMO

Shell CashBack Mastercard from BMO

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The Shell CashBack Mastercard from BMO comes with a $0 annual fee and lets you earn cash back on gas purchases. Get 1.5% cash back at participating Shell locations in Canada (up to a maximum spending of $2,500 in any monthly billing period), and get 0.5% cash back everywhere else.

New cardholders can earn extra cash back rewards with a special welcome bonus. Get $50 in cash back bonuses once you charge your first eligible purchase to your card. Plus, earn 1% cash back for the first 6 months on all eligible purchases. Eligible items charged to your card are automatically covered against theft and damage through complimentary Purchase Protection. Plus, Extended Warranty Insurance extends the original manufacturer's warranty on eligible items by up to 1 additional year.

What types of credit cards should drivers consider?

Look for credit cards that offer the following features:

  • Roadside assistance. Roadside assistance is a common credit card feature that offers benefits like free towing, battery boosts, door unlocks, tire changes, gas deliveries and more. Some also cover emergency transportation and rental car costs.
  • Rental car insurance. Many premium, travel and business cards offer rental car insurance as an added feature. This will typically cover you for damage and theft to your rental vehicle as well as loss of use if it needs to be repaired.
  • Accelerated rewards on gas. Some credit cards offer accelerated rewards points, cash back or miles on gas purchases. If you spend frequently on gas, you can rack up points, miles or cash back much faster.
  • Gas discounts. Some credit cards offer gas discounts at the pump, which can save you up to 5 cents a litre on the spot.
  • Customer loyalty programs. Many credit card roadside assistance providers offer customer loyalty programs that let you earn extra rewards for servicing your vehicle, buying parts or renewing your membership with them.

How to choose the best credit card for your needs

  • Decide if you want to pay a fee. Fee-free cards can save you money upfront, but usually offer less in terms of rewards and benefits. Weigh up your options before applying for a card.
  • Search for a welcome bonus. Try to find a card that gives you bonus points for signing up. While you’ll likely need to meet a spend requirement to receive your bonus points, you can often earn a large sum within just a few months.
  • Look at the conversion rate on rewards. Look at how many rewards you’ll earn per dollar spent, and find out how many dollars you’ll get back when you cash in your rewards.
  • Compare benefits on offer. Aim to lock in a card that offers additional benefits like travel insurance and car rental insurance.
  • Find out if you’re eligible. Be sure to check that you meet income, residency and age requirements for the card you want before lodging your application.

What to watch out for

  • Avoid rewards caps. Make sure your provider won’t limit the number of points, miles or cash back you can earn on purchases.
  • Watch out for expiration dates. Your points or miles may expire if you don’t use them within a certain time period, so make sure you know when you need to redeem them by.
  • Read the fine print. Look at your contract before you commit to a provider to make sure you know exactly what you’re signing up for.
  • Ask about excluded purchases. Some providers will exclude certain purchases (like cash advance transactions) from rewards, so it pays to find out in advance what you might lose points on.
  • Check eligibility requirements. Find out whether you’re eligible for the card you want before you do a ton of research.

Compare credit cards for drivers

Compare the features and earn rates of credit cards for drivers below.

Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
American Express Cobalt Card
19.99%
21.99%
$120
N/A
Earn 5 Membership Rewards points per $1 spent at eligible grocery stores, restaurants, bars, cafés and food delivery services, and earn 2 Membership Rewards points per $1 spent at eligible gas stations, and on transit and travel purchases, and earn 1 Membership Rewards point per $1 spent elsewhere. Terms apply
Earn up to 45,000 bonus Membership Rewards points. In your first year as a new Cobalt Cardmember, earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 on your card (for a total of 30,000 points in a year). Plus, earn a Welcome Bonus of 15,000 Membership Rewards points when you spend a total of $3,000 in purchases on your Card in your first 3 months of Cardmembership. Apply by May 5, 2021.
BMO eclipse Visa Infinite
20.99%
23.99%
$0 annual fee for the first year ($120 thereafter)
$60,000
Earn 5x the BMO Points for every $1 spent on groceries, dining in and out, gas and transit.
Get up to 40,000 points and the $120 annual fee waived in the first year. Earn 25,000 points after you spend $3,000 in the first 3 months and get 15,000 points on your first anniversary.
Tangerine Money-Back Credit Card
1.95% intro APR for the first 6 months, 19.95% thereafter
19.95%
$0
$12,000
Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
American Express AIR MILES Platinum Credit Card
20.99%
21.99%
$120
N/A
Earn 1 AIR MILE for every $5 spent on eligible food, drink, gas and transit purchases (up to an annual spend of $30,000), and earn 1 AIR MILE for every $10 spent on all other eligible purchases (and after the $30,000 annual spend)
Earn a Welcome Bonus of 3,000 AIR MILES when you spend at least $1,500 in eligible purchases within the first three months.
American Express Business Edge Card
19.99%
21.99%
$99
N/A
Earn 3 Membership Rewards points for every $1 spent on eligible business essentials including office supplies, electronics, rides, gas, eats and drinks (up to an annual earn of 75,000 Membership Rewards), and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
Earn up to 42,000 Membership Rewards points in your first year. Earn a Welcome Bonus of 30,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months, and earn 1,000 Membership Rewards points each month (a total of 12,000 annually) when you spend a minimum of $3,000 on eligible purchases
Shell AIR MILES Mastercard from BMO
19.99%
22.99%
$0
$15,000
Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).
American Express Gold Rewards Card
30% annual interest rate applies to balances not paid in full each month
N/A
$150
N/A
Earn 2 Membership Rewards points for every $1 spent on eligible gas station, grocery store, drug store and travel purchases and on eligible hotel and car rental bookings made with American Express Travel, and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
Earn a Welcome Bonus of 25,000 Membership Rewards points when you spend at least $1,500 on eligible purchases within the first three months
BMO eclipse Visa Infinite Privilege
20.99%
23.99%
$499
$150,000
Earn 5x the BMO Points for every $1 spent on groceries, dining in and out, drugstore purchases, gas and travel.
Get up to 50,000 welcome points. Earn 35,000 points when you spend at least $5,000 in the first three months and get 15,000 points on your first anniversary.
Shell AIR MILES World Mastercard from BMO
19.99%
22.99%
$99
$60,000
Earn 1 Mile per $15 spent on all eligible purchases.
Earn 1 Mile per $15 spent on all eligible purchases.
Shell CashBack Mastercard from BMO
19.99%
22.99%
$0
$15,000
Get 1.5% cash back at participating Shell locations in Canada (up to a maximum spend of $2,500 in any monthly billing period), and get 0.5% cash back everywhere else.
Get $50 in cash back bonuses once you charge your first eligible purchase to your card. Plus, earn 1% cash back for the first 6 months on all eligible purchases.
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Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Car Rental Perks
American Express Cobalt Card
19.99%
21.99%
$120
Get complimentary Car Rental Theft and Damage Insurance (MSRP of up to $85,000). Terms apply.
Earn up to 45,000 bonus Membership Rewards points. In your first year as a new Cobalt Cardmember, earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 on your card (for a total of 30,000 points in a year). Plus, earn a Welcome Bonus of 15,000 Membership Rewards points when you spend a total of $3,000 in purchases on your Card in your first 3 months of Cardmembership. Apply by May 5, 2021.
BMO World Elite Mastercard
19.99%
22.99%
$0 annual fee for the first year ($150 thereafter)
Get complimentary Collision Damage Waiver benefits (MSRP of up to $65,000).
Get up to $575 in value in your first year. Get a bonus of 40,000 BMO Rewards points ($285 travel value booked on bmorewards.com). Plus, get the $150 annual fee waived in the first year.
SimplyCash Preferred Card from American Express
19.99%
21.99%
$99
Complimentary Car Rental Theft and Damage Insurance (MSRP of up to $85,000)
Earn 10% cash back on all eligible purchases (up to $400 in cash back) for the first four months of Cardmembership.
American Express AIR MILES Platinum Credit Card
20.99%
21.99%
$120
Complimentary Car Rental Theft and Damage Insurance (MSRP of up to $85,000)
Earn a Welcome Bonus of 3,000 AIR MILES when you spend at least $1,500 in eligible purchases within the first three months.
American Express Business Edge Card
19.99%
21.99%
$99
Get complimentary Car Rental Theft and Damage Insurance (MSRP of up to $85,000). Terms apply.
Earn up to 42,000 Membership Rewards points in your first year. Earn a Welcome Bonus of 30,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months, and earn 1,000 Membership Rewards points each month (a total of 12,000 annually) when you spend a minimum of $3,000 on eligible purchases
American Express Gold Rewards Card
30% annual interest rate applies to balances not paid in full each month
N/A
$150
Earn 2 Membership Rewards points per $1 spent on eligible car rental transactions. Get one car class upgrade and an additional driver fee waiver for Hertz Gold Plus Rewards members at participating Hertz locations. Cardmembers can also enjoy complimentary Car Rental Theft and Damage Insurance (MSRP of up to $85,000). Terms and conditions apply.
Earn a Welcome Bonus of 25,000 Membership Rewards points when you spend at least $1,500 on eligible purchases within the first three months
Shell AIR MILES World Mastercard from BMO
19.99%
22.99%
$99
Complimentary coverage with Car Rental Collision Damage Waiver.
Earn 1 Mile per $15 spent on all eligible purchases.
BMO CashBack World Elite Mastercard
19.99%
22.99%
$0 annual fee for the first year ($120 thereafter)
Get up to a 25% discount at National Car Rental and Alamo Rent A Car locations with complimentary Collision Damage Waiver benefits (MSRP of up to $65,000).
Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year.
Marriott Bonvoy American Express Card
19.99%
21.99%
$120
Get complimentary Car Rental Theft and Damage Insurance (MSRP of up to $85,000). Terms apply.
Receive 50,000 bonus Marriott Bonvoy™ points when you charge $1,500 in the first three months of card membership. Terms apply
BMO Rewards Mastercard
19.99%
22.99%
$0
Get a discount of up to 25% off at National Car Rental and Alamo Rent A Car locations. Plus, earn 2 BMO Rewards points for every $1 spent at participating locations.
Get a bonus of 15,000 BMO Rewards points. Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
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Bottom line

If you want to save money on fuel or car rentals and earn accelerated rewards points, miles or cash back on gas, consider a credit card designed for drivers. These cards usually offer a good return on rewards, with added benefits like roadside assistance, car rental insurance, travel insurance and more.

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