Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
If you’re on the go a lot, frequent gas station trips can be unavoidable. While gas prices seem to always be rising, you can get some relief by using the right credit card. With one of the best credit cards for gas rewards you’ll benefit each time you pay for fuel — choose between discounts per litre or earn high rates of cash back or rewards points when you purchase gas. Almost all gas stations in Canada accept credit cards, whether it’s a Mastercard, Visa or American Express branded credit card — so using plastic to pay at the pump can be both rewarding and convenient.
| Annual Fee | $155.88 |
|---|---|
| Purchase APR | 20.99% |
| Cash Advance Rate | 21.99% |
| Balance transfer APR | N/A |
| Welcome offer | Earn up to 30,000 Membership Rewards points in your first year. Earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 in net purchases on your card (up to 30,000 points). That’s up to $300 towards a weekend getaway or concert tickets. |
| Rewards | Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery, 3x the points on eligible streaming subscriptions in Canada, 2x points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases, and earn 1 point for every $1 in Card purchases everywhere else. |
| Annual fee | $0 |
|---|---|
| Purchase APR | 19.95% |
| Balance transfer APR | 1.95% intro for the first 6 months (then 19.95% ) |
| Balance transfer fee | $5 or 3% of the transaction, whichever is greater |
| Rewards | Earn 2% cash back in two Tangerine credit card 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. |
| Annual Fee | $0 intro annual fee for the first year ($120 thereafter) |
|---|---|
| Purchase APR | 20.99% |
| Cash Advance Rate | 22.99% |
| Balance transfer APR | 22.99% |
| Welcome offer | Earn up to 40,000 bonus Scene+ points in your first year (that's up to $650 towards travel) and get the first year annual fee waived. Apply by October 31, 2023. To qualify for the 40,000 bonus Scene+ points offer, earn 20,000 bonus Scene+ points by making at least $1,000 in purchases in your first 3 months. Plus, earn a 20,000 Scene+ point bonus when you spend at least $7,500 in purchases in your first year. |
| Rewards | Earn 6 Scene+ points for every $1 you spend in Canada at Sobeys, Safeway, FreshCo, Foodland and more, 5 Scene+ points per $1 spent on eligible grocery, dining and entertainment purchases, 3 Scene+ points per $1 spent on eligible gas, transportation and select streaming services, and 1 Scene+ point per $1 spent on eligible purchases elsewhere. |
| Annual fee | $0 |
|---|---|
| Purchase APR | 19.99% |
| Balance transfer APR | N/A |
| Recommended minimum credit score | 300 |
At all major gas station chains, you can use your credit card — whether it’s a Visa, Mastercard or American Express. A notable exception is Costco gas stations, where you’ll need to have a Costco branded Mastercard in order to shop at the store and purchase gas from the Costco branded gas stations.
| Credit card type | Petro-Canada | Shell | Canadian Tire | Costco | Esso |
|---|---|---|---|---|---|
| Visa | ✅ | ✅ | ✅ | ❌ | ✅ |
| Mastercard | ✅ | ✅ | ✅ | ✅ (Costco Mastercards only) | ✅ |
| American Express | ✅ | ✅ | ✅ | ❌ | ✅ |
There are typically 2 different types of credit cards with gas rewards in Canada:
| Rewards credit card | Gas station partner credit cards | |
|---|---|---|
| Use: | Can be used at almost every gas station across Canada, earning rewards at all stations. | Can be used anywhere, although rewards or discounts will typically be affiliated with a single gas station brand. |
| Earn: | Allows you to accumulate cash back or rewards points that you can redeem. | May offer instant discounts on gas purchases or accelerated rewards. |
| Interest rates: | Interest rates will likely be standard. Some cards may come with balance transfer offers. | Interest rates will likely be standard. Some cards may come with balance transfer offers. |
| Credit limit: | Credit limit will depend on your credit score and the specific card you choose. | Credit limit will depend on your credit score and the specific card you choose. |
| Rewards: | Earn rewards on all eligible gas purchases. | Rewards and/or discounts at specific brands of gas stations. |
| Credit score: | Usually requires good to excellent credit. | Usually requires good to excellent credit. |
Your available choices for gas cards are rather slim if you have bad credit. To make picking the right gas credit card easier, you’ll want to make your decision is based on a few factors:
While gas benefits are likely most important to you, other features of each card — such as fees and additional perks — should factor into your decision. Consider the following factors when comparing gas rewards credit cards:
A gas credit card is a smart choice if you’re constantly filling up. Consider a general gas rewards card if you shop at a variety of different gas stations and look for a specific brand of gas station card if you buy fuel with one company.
Back to topCompare some of the best bad credit loans in PEI.
Your guide to the features, interest rates and fees to expect when you apply for a short-term loan with Credito.
Pay for unexpected bills and avoid overdrafts when you sign up for apps like Bree.
Take a closer look at the debt relief solutions, features and fees of Debt Relief Canada.
Learn more about Desjardins Online Brokerage (Disnat) to see if it’s the right broker for you.
We show you the best prepaid credit cards in Canada, whether you’re looking for a prepaid card with no fees, cash back rewards, or travel perks, or more.
This guide provides step-by-step instructions on how to buy Sui, lists some exchanges where you can get it and provides daily price data on (SUI).
Compare apps like Nyble in Canada to access emergency funding.
Your guide to buying and financing a car in Canada with RightRide.
Your guide to bad credit car loans in BC and how to find the right financing for your needs.
