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How to choose the best credit cards for drivers

Learn how to save on gas, get roadside assistance, book car rentals and earn rewards you can redeem for travel, merchandise and more.

Credit cards designed for drivers usually offer gas rebates or roadside assistance, with added benefits like reward points and discounts on car rentals. Many of these cards come with no annual fee and basic insurance coverage while others offer additional rewards like travel insurance and fraud protection.

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

Compare credit cards for drivers

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

Name Product Welcome Offer Purchase Interest Rate Cash Advance Rate Annual Fee
Get 15,000 bonus Scotia Rewards points with min. spend of $1,000 within the first 3 months. Ends 30 June 2019.
19.99%
22.99%
$99
Earn 4 Scotia Rewards points per $1 on the first $50,000 annual spend on eligible purchases.
Earn 2,500 points with minimum spend of $500 for each billing period. Up to 30,000 bonus points in your first year.
19.99%
22.99%
$120
Earn 5x points per $1 spent on eligible dining transactions, 2x points on travel and 1 point on all other spend.
Get 10% cash back on purchases with min. spend of $2,000 in the first three months. Ends 30 June 2019.

19.99%
22.99%
$0 annual fee for the first year ($99 thereafter)
Save with no annual fee for the first year.
Get 1.95% interest rate on balance transfers for the first six months. Valid within the first 30 days of account opening.
19.95%
19.95%
$0
Earn 4% Money-Back Rewards in three categories of your choice such as groceries, dining, petrol and more. Ends 31 July 2019.
Receive 30,000 bonus Scotia Rewards points upon first eligible purchase within the first two months. Ends 30 June 2019.
19.99%
22.99%
$399
Earn 4x Scotia Rewards points per $1 spent at grocery stores, gas stations, dining and entertainment purchases.
Receive 25,000 bonus Membership Rewards points when you spend $1,500 within the first three months of membership.
N/A
N/A
$150
Earn 2 points for every dollar you spend on eligible travel and purchases and 1 point for every dollar you spend elsewhere.
Offers a 7.99% introductory interest rate on all spend for the first 6 months. Ends 30 June 2019.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$0
Receive 1% cash back on payments made at petrol stations, supermarkets, pharmacies and recurring bill payments.
Offers a 2.99% introductory balance transfer rate for the first 6 months. Ends 30 June 2019.
19.99%
22.99%
$39
2% cash back on eligible gas stations, grocery and drug store purchases including recurring payments. T&C's apply.

Compare up to 4 providers

Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Car Rental Perks
19.99%
22.99%
$99
Complimentary Car Rental Theft and Damage Insurance (MSRP of up to $85,000)
Offers 1.99% balance transfer rate in the first 6 months to new cardmembers. No balance transfer fee upon application.
19.99%
22.99%
$99
Up to 25% discount at participating Budget and AVIS car rental locations in Canada and the US
Earn 4 Scotia Rewards points per $1 on the first $50,000 annual spend on eligible purchases.
12.99%
12.99%
$29
Up to 25% discount at participating Budget and AVIS car rental locations in Canada and the US
Save on interest by consolidating your higher-rate balances and enjoy a low 12.99% purchase interest rate.
N/A
N/A
$499
Complimentary Car Rental Theft and Damage Insurance (MSRP of up to $85,000), redeem Aeroplan Miles to book car rentals at participating Avis and Hertz locations
Get free annual partner ticket and unlimited access to Air Canada Maple Leaf Lounges as well as Air Canada priority check-in.
16.99%
16.99%
$0
Up to 25% discount at participating Budget and AVIS car rental locations in Canada and the US
Save with a low interest rate and no annual fee.
19.99%
22.99%
$120
Complimentary Car Rental Theft and Damage Insurance (MSRP of up to $85,000)
Earn 5x points per $1 spent on eligible dining transactions, 2x points on travel and 1 point on all other spend.
19.99%
22.99%
$139
Up to 25% car rental discount + complimentary upgrades for Avis® Preferred Plus members at participating Avis locations in Canada and the US, Rental Car Collision/Loss Damage Insurance coverage (up to $65,000)
Earn 2 Scotia Rewards points per $1 spent on eligible purchases. Plus, an extra 10,000 points with a min. annual spend of $40,000 on your card.
19.99%
22.99%
$0
Up to 25% discount at participating Budget and AVIS car rental locations in Canada and the US
Save with no annual fee and earn 1 SCENE point for every $1 spent on all purchases.
19.99%
22.99%
$0
Redeem Air Miles to book car rentals with participating Air Miles partners
Earn 1 mile for every $15 you spend at official sponsors and 1 mile for every $20 you spend anywhere else.
7.99% intro APR for the first 6 months, 19.99% thereafter
22.99%
$0
Up to 25% discount at participating Budget and AVIS car rental locations in Canada and the US
Get 1% cash back on payments made at gas stations, grocery stores and pharmacies, including recurring payments.
N/A
N/A
$699
Complimentary Car Rental Theft and Damage Insurance (MSRP of up to $85,000)
Earn 3 Membership Rewards points for every $1 spent on eligible dining, 2 points on eligible travel purchases and 1 point on all other spend.
19.99%
22.99%
$0 annual fee for the first year ($99 thereafter)
Up to 25% discount at participating Budget and AVIS car rental locations in Canada and the US
Save with no annual fee for the first year.
19.99%
22.99%
$65
Complimentary Car Rental Theft and Damage Insurance (MSRP of up to $85,000)
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.
N/A
N/A
$180
Complimentary Car Rental Theft and Damage Insurance (MSRP of up to $85,000), redeem Air Miles to book car rental rewards with Air Miles partners
Earn 1 mile for every $10 spent at eligible sponsors and 1 mile for every $15 spent anywhere else.
19.99%
22.99%
$299
Complimentary Car Rental Theft and Damage Insurance (MSRP of up to $85,000)
Offers 1.99% balance transfer rate in the first 6 months. No balance transfer fee upon application.

Compare up to 4 providers

What types of credit cards should drivers consider?

Look for credit cards that offer the following features:

  • Roadside assistance. Roadside assistance cards offer 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/theft to your rental vehicle as well as loss of use if it needs to be repaired.
  • Gas rebates. Some credit cards offer gas rebates at the pump while others will give you bonus rewards or cashback every time you fill up.
  • Customer loyalty programs. Many hardware stores, repair shops and roadside assistance providers offer customer loyalty credit cards that let you earn extra points for servicing your vehicle, buying parts or renewing your membership.

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 often offer less in terms of rewards and benefits. You should weigh out which type of card has the most value for you.
  • Search for a welcome bonus. Try to find a card that gives you bonus points for signing up
  • Look at the conversion rate on points. 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, purchase protection and extended warranty coverage.
  • Find out if you’re eligible. Be sure to check that you meet income, residency and age requirements for the card you want.

What to watch out for

  • Avoid rewards caps. Make sure your provider won’t limit the number of points you can earn on purchases.
  • Watch out for expiration dates. Your points 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 on to.
  • Ask about excluded purchases. Some providers will exclude certain purchases (like bill payments) from rewards, so it pays to find out in advance what you might lose points on.
  • Check eligibility requirements. Find out whether you qualify for the card you want before you do a ton of research.

Bottom line

If you want to save money on gas, vehicle maintenance or car rentals, consider a credit card designed for drivers. These cards usually offer a return on rewards, with added benefits such as roadside assistance, car rental insurance, travel insurance and more.

Frequently asked questions

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