With fuel prices fluctuating between $1.40 and $2.00/L across Canada, choosing the right credit card for gas can meaningfully reduce your monthly fuel bill. The best gas credit cards in Canada either offer a direct per-litre discount at the pump, high cash back earn rates at all stations, or loyalty points through major Canadian fuel programs.
Best Credit Cards for Gas at a Glance
| Card | Annual Fee | Gas Benefit | Network |
|---|---|---|---|
| CIBC Aeroplan Visa Infinite | $139 | 10 cents/L off at Journie stations + Aeroplan points | Visa |
| BMO CashBack World Elite | $120 | 5% cash back at gas stations (up to $500/mo) | Mastercard |
| CIBC Dividend Visa Infinite | $120 | 3% cash back at gas stations | Visa |
| RBC card + Petro-Canada link | $0 extra | 3 cents/L off + 20% more Petro-Points | Any RBC card |
| Scotiabank Gold Amex | $120 | 3x Scene+ on gas + transit | Amex |
| Rogers Red Mastercard | $0 | 1.5% cash back everywhere | Mastercard |
1. CIBC Aeroplan Visa Infinite — Best for Journie / Ultramar / Pioneer Drivers
Annual fee: $139 | Network: Visa Infinite | Income: $60,000 personal / $100,000 household
The Journie Rewards Advantage
By linking your CIBC Aeroplan Visa Infinite to the free Journie Rewards app and paying at participating stations (Ultramar, Pioneer, Chevron, and Fas Gas across Canada), you receive:
- 10 cents per litre off at the pump, applied automatically at checkout
- Aeroplan points earned on the discounted purchase price
How valuable is 10 cents/L?
- At $1.70/L pump price — 10 cents off = 5.88% savings on fuel
- At $1.90/L — 10 cents off = 5.26% savings on fuel
- At a 50L fill-up — $5 saved per fill-up
- At 2 fill-ups/month — $120/year in fuel savings (ignoring Aeroplan points earned)
This is the highest fuel-discount rate of any credit card in Canada when used at Journie stations.
Other earn rates:
- 1.5x Aeroplan miles on all eligible purchases
- 3x Aeroplan miles on Air Canada purchases
- Double the miles on grocery, drug store, and Air Canada purchases
Best for: Canadian drivers who live near Ultramar, Pioneer, or Fas Gas stations.
Full CIBC Aeroplan Visa Infinite Review
2. BMO CashBack World Elite Mastercard — Best Flat-Rate Gas Card
Annual fee: $120 | Network: Mastercard World Elite | Income: $80,000 personal / $150,000 household
Why It Stands Out
The BMO CashBack World Elite earns 5% cash back on gas — the highest flat cash back rate on fuel of any major Canadian credit card. Crucially, this applies at any gas station regardless of network (Shell, Esso, Petro-Canada, Costco, independent). No app to link, no program to enrol in.
Gas earn limits: Up to $500/month at 5% ($25/month maximum cash back on gas)
- Average Canadian gas spend: $150 to $300/month — well under the cap for most drivers
Other strong categories:
- 5% on groceries and recurring bill payments (capped at $500/month each)
- 1% on everything else
Annual fee offset calculation:
- At $200/month gas spend: $200 x 5% = $10/month x 12 = $120/year — the annual fee is offset by gas alone
Best for: Drivers who fill up at multiple chains or want a simple “highest gas rate, no network required” card.
Full BMO CashBack World Elite Review
3. CIBC Dividend Visa Infinite — Best Mid-Range Gas Card
Annual fee: $120 | Network: Visa Infinite | Income: $60,000 personal / $100,000 household
Earns 3% cash back on gas and EV charging, 4% on grocery, and 2% on recurring bills. For drivers who do not have Journie Rewards stations nearby, this card delivers consistent 3% on any Canadian gas station — plus explicit coverage for EV charging, making it the clearest choice for electric vehicle drivers.
Best for: Drivers who want a solid all-around cash back card with strong gas and grocery rates, including EV drivers.
Full CIBC Dividend Visa Infinite Review
4. RBC Cards + Petro-Canada Link — Best for Petro-Canada Loyalty
Extra cost: Free to link | No additional annual fee
RBC cardholders can link any RBC credit card to their Petro-Canada account. Upon linking:
- 3 cents/L off at the pump automatically when you pay with the linked RBC card
- 20% more Petro-Points on every Petro-Canada fill-up
This is a free enhancement that stacks on top of your existing RBC card earn rates.
At a 50L fill-up:
- 3 cents/L x 50L = $1.50 off per fill-up
- 2 fill-ups/month x $1.50 = $36/year in fuel savings (plus Petro-Points and card rewards)
Best for: Current RBC cardholders who regularly fill up at Petro-Canada.
5. Scotiabank Gold American Express — Best for Points on Gas and Transit
Annual fee: $120 | Network: American Express | Income: No income minimum stated
The Scotiabank Gold Amex earns 3x Scene+ on gas and daily transit. Scene+ points are worth approximately 1 cent each, making 3x equivalent to 3% effective on gas.
No foreign transaction fee is valuable for cross-border drives into the US — fuel purchases in USD avoid the 2.5% FX surcharge charged by most Canadian cards.
Note: American Express is not accepted at Costco Gas. For Costco Gas, use a Visa or Mastercard.
Best for: Drivers who also spend heavily on dining and groceries (the Gold Amex’s strongest categories), and who commute by transit.
Full Scotiabank Gold Amex Review
Fuel Network Guide: Which Card Works Where
| Station | Accepts Amex? | Discount Program | Best Card |
|---|---|---|---|
| Petro-Canada | Yes | RBC Link (3 cents/L off) | Any RBC card |
| Esso | Yes | Journie Rewards via CIBC Aeroplan | CIBC Aeroplan Visa Infinite |
| Ultramar | Yes | Journie Rewards via CIBC Aeroplan | CIBC Aeroplan Visa Infinite |
| Pioneer | Yes | Journie Rewards via CIBC Aeroplan | CIBC Aeroplan Visa Infinite |
| Chevron | Yes | Journie Rewards via CIBC Aeroplan | CIBC Aeroplan Visa Infinite |
| Fas Gas | Yes | Journie Rewards via CIBC Aeroplan | CIBC Aeroplan Visa Infinite |
| Costco Gas | No Amex | None | BMO CashBack World Elite (5%) |
| Shell | Yes | None specific | BMO CashBack World Elite (5%) |
| Independent | Yes | None specific | BMO CashBack World Elite (5%) |
EV Charging: Credit Cards for Electric Vehicle Drivers
As Canadians switch to EVs, the definition of “gas spend” is evolving. Some cards now include EV charging in their gas categories:
- CIBC Dividend Visa Infinite: 3% on gas and EV charging — explicitly named in the card’s earn rate structure
- BMO CashBack World Elite: Gas category may include some EV charging (verify at time of use, as EV charger transaction coding varies)
For EV drivers, the CIBC Dividend Visa Infinite’s explicit inclusion of EV charging makes it the most reliable choice.
Bottom Line: Which Gas Card Should You Choose?
| Your Situation | Best Card |
|---|---|
| Near Journie stations (Ultramar, Pioneer, Fas Gas) | CIBC Aeroplan Visa Infinite |
| Fill up at any station; want highest flat cash back | BMO CashBack World Elite |
| Already an RBC cardholder; fill up at Petro-Canada | Link any RBC card to Petro-Canada |
| Drive an EV; want explicit EV charging earn | CIBC Dividend Visa Infinite |
| Want no annual fee for gas spend | Rogers Red Mastercard (1.5% everywhere) |