Paying with credit card at gas station

Gas rewards credit cards 2019

Get rewarded every time you fill up your gas tank by earning accelerated cash back, rewards points or discounts.

If you’re always on the go, frequent gas station trips might be unavoidable. While gas prices seem to always be rising, you can get some relief by using the right credit card. Get rewarded 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 a rewarding and convenient experience.

Our pick for use at gas stations

Scotia Momentum Visa Infinite Card

Scotia Momentum Visa Infinite Card

19.99 % APR

Purchase interest rate

Scotia Momentum Visa Infinite Card

Apply today and earn 10% cash back on purchases in the first 3 months, 4% cash back on gas and groceries and 2% cash back on drug stores and recurring bills .

  • Purchase interest rate: 19.99%
  • Cash advance rate: 22.99%
  • Balance transfer rate: 22.99%
  • Annual fee: $0 annual fee for the first year ($99 thereafter)
  • Credit rating: 750+ recommended credit score
  • Minimum income: $60,000
  • Minimum age: Age of majority in province/territory of residence
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Compare gas rewards cards

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.

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The gas credit cards of 2019

When selecting the best gas credit cards of 2019, we compared a few factors among available gas credit cards, including eligible gas stations, points or cashback earned per dollar spent, rewards point value when redeemed, annual fees, APRs and other perks or features a consumer might look at when selecting a gas credit card. The cards below are some of the top performers in one or several of these areas, earning a spot on our list.

Our pick for best gas card: Scotia Momentum Visa Infinite Card

The Scotia Momentum Visa Infinite gives you 4% cash back on gas and groceries and a generous signup bonus. This card has an annual fee of $99 – but it’s waived in the first year.

Our pick for rewards points: Scotiabank Gold American Express Card

Pick the Scotiabank Gold American Express Card if you’re looking to earn accelerated Scotia Rewards points. This card has an annual fee of $99.

Our pick for no annual fee cash back: Tangerine Money-Back Credit Card

Pick the Tangerine Money-Back Credit Card if you want a no annual fee card that earns cash back rewards.

Our pick for cash back: CIBC Dividend Visa Infinite Card

Pick the CIBC Dividend Visa Infinite Card if you want 4% cash back and you’re a big spender at Tim Hortons and Telus. This card has a $99 annual fee.

Our pick for cash back rewards on all purchases: SimplyCash™ Card from American Express

Pick the SimplyCash Card from American Express if you want a no annual fee credit card with cash back rewards and standard Amex perks. Although this card doesn’t offer accelerated rewards when it comes to gas purchases, it’s still a contender.

Learn more about the different types of gas credit cards

Two types of credit cards with benefits on gas purchases

There are typically two different types of credit cards with gas rewards:

  • Credit cards that provide you with perks like cash back or rewards points when you fill up your tank at almost any gas station across Canada.
  • Gas stations that have a partnership with a specific credit card provider, meaning you can only reap rewards when you fill up your tank at that brand of stations (for example get a discount on gas when you link your eligible RBC credit card to your Petro-Canada card).

Rewards credit cards vs. gas station specific credit cards

Rewards credit cardGas station specific 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.

Consider a gas credit card if …

  • You spend a lot on gas each month. If you spend several hundred dollars or more each month on gas, a gas credit card will give you a big break on gas costs. If you rarely drive and spend little each month on gas, you might get more out of another type of rewards card.
  • You buy gas from the same gas station brand. If you typically buy gas from the same brand and you can find a card that offers accelerated rewards or discounts for that brand, then the card will likely be of value to you.
  • You pay your balance in full each month. Watch out for your card’s interest rate. If you carry a balance from month to month, you’ll accrue interest charges that will likely offset any rewards you receive from your card. Paying your balance in full every month lets you avoid paying interest on your purchases and increases the value of your card’s rewards.

How to choose a gas credit card

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:

  • Decide whether you want to be tied to a specific gas-station brand. If you get gas with one company, a card that offers rewards or discounts with a specific brand of gas station might offer more attractive benefits. If you shop for gas across a variety of different stations, consider a general card that offers cash back or rewards points across all eligible gas stations.
  • Signup bonus. Compare signup bonuses and consider any minimum spend requirements in order to receive the signup bonus.
  • APR. It’s wise to check a card’s APR before applying. Compare both purchase interest rates and cash advance interest rates.
  • Annual fee. If you want to save money, an annual fee might not be worth paying. Look for a card with a low or $0 annual fee. If a card has an annual fee, calculate what level of rewards you might earn based on your spending. You want these rewards to offset the card’s cost.
  • Other rewards and perks. While your primary goal is to find a credit card that will reward you for spending on gas, any other rewards you receive will only sweeten the deal. Other perks may include complimentary travel insurance coverage, shopping benefits, concierge services, early ticket access and more.

How to maximize your gas rewards

  • Choose a gas card based on nearby gas stations. It may not be worth burning fuel to drive to a gas station that’s out of the way. If there are no credit cards affiliated with gas stations near you, consider looking into a general rewards card that offers cash back or rewards points on all gas purchases.
  • Buy all your gas with your credit card. You’ll save the most money — and earn the most rewards points or cash back — when you make your gas purchases exclusively with your credit card.
  • If you’ve got a station specific card, try to exclusively buy gas there. If you opt for a credit card that offers discounts or accelerated rewards at a specific brand of gas station, try to exclusively purchase gas from those gas stations.

Bottom line

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.

If you’re not sure if a gas credit card is right for you, check out other rewards cards.

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