"What is the best credit card for gas in Canada?"

"The best credit card for gas in Canada depends on which gas station you use. For Esso and Mobil stations: the PC Financial World Elite Mastercard earns 30 PC Optimum points per dollar (3% back) with no annual fee, and can be stacked with PC Optimum in-store points. For Petro-Canada stations: the RBC cards linked to Petro-Points earn bonus points plus save 3 cents per litre at Petro-Canada. For any gas station: the BMO CashBack World Elite Mastercard earns up to 5% on gas (subject to monthly cap), and the Scotiabank Momentum Visa Infinite earns 4% cash back on gas with no stated cap."

"What credit card earns points at Petro-Canada?"

"RBC credit cards linked to Petro-Points earn 20% more Petro-Points at Petro-Canada stations and save 3 cents per litre on fuel. The RBC ION+ Visa earns 3x RBC Rewards on gas at Petro-Canada. The RBC Avion Visa Infinite earns elevated points at Petro-Canada when the card is linked. Petro-Canada also has its own Petro-Points loyalty programme — you can earn Petro-Points by scanning your app at any Petro-Canada, independently of which credit card you use."

"Does the BMO CashBack World Elite earn at Shell?"

"The BMO CashBack World Elite Mastercard earns up to 5% on gas at gas stations broadly coded as gas/fuel purchases — Shell typically codes as gas and earns at the elevated rate. However, earn rates depend on merchant coding, which can vary. Verify with BMO whether Shell earns at the elevated gas rate. Air Miles members who shop at Shell should also consider the BMO Air Miles World Elite Mastercard for bonus Air Miles at Shell."

"Is there a credit card with no annual fee that earns well on gas?"

"Yes. The PC Financial World Elite Mastercard ($0 annual fee, income requirement applies) earns 30 PC Optimum points per dollar at Esso and Mobil stations (3% back in PC Optimum value). The Tangerine Money-Back Credit Card ($0 annual fee) earns 2% cash back on gas if you select it as one of your two or three bonus categories. For Alberta residents, the ATB World Elite Mastercard earns 3% flat on all purchases including gas, with a $120 annual fee."

"What credit card saves the most money at Petro-Canada?"

"Linking an eligible RBC credit card to your Petro-Points account saves 3 cents per litre on fuel at Petro-Canada and earns 20% more Petro-Points. Over a year of regular fill-ups, the per-litre saving can exceed the value of most credit card gas earn rates. At 50 litres per fill-up, 3¢/L savings = $1.50 per fill-up = $78/year (52 fill-ups). Cardholders who also earn RBC Rewards points get additional value on top of the per-litre discount."

Best Credit Cards for Gas in Canada 2026

Gas is one of Canada’s highest-recurring household expenses — and one of the most competitive credit card categories for earn rates. Top gas cards deliver 3–5% back in cash or points value per litre.

Best Gas Credit Cards at a Glance

Card	Annual Fee	Gas Earn Rate	Best Station	Best For
BMO CashBack World Elite Mastercard	$120	5% cash back (capped)	Any	Best cash back at all gas stations
Scotiabank Momentum Visa Infinite	$120	4% cash back	Any	No cap; grocery + gas combo
CIBC Dividend Visa Infinite	$120	4% cash back	Any	Grocery + gas combo
Scotiabank Gold American Express	$120	3x Scene+	Any	No-FX + high dining/grocery earn
PC Financial World Elite Mastercard	$0	30 pts/$1 (3%)	Esso / Mobil	Best no-fee gas earn at Esso
Tangerine Money-Back	$0	2% cash back	Any (if gas chosen)	No-fee; flexible category choice

Top Gas Credit Cards Reviewed

1. BMO CashBack World Elite Mastercard — Best Cash Back on Gas ($120/year)

Earns 5% cash back on gas purchases (subject to a monthly cap — verify cap with BMO before applying). The 5% rate applies broadly to gas station transactions, covering Petro-Canada, Esso, Shell, Pioneer, Ultramar, and most other Canadian gas stations.

Additional earn:

4% on transit and recurring bills
3% on grocery (no wait — BMO CashBack earns 5% grocery + 5% gas, but both may have the same combined cap)

Check current caps at bmo.com — BMO has adjusted these over time.

Annual earn example on gas: $300/month gas × 5% = $15/month = $180/year in gas cash back.

2. Scotiabank Momentum Visa Infinite — Best Uncapped Gas Cash Back ($120/year)

Earns 4% cash back on gas and recurring bills — with no stated monthly cap on gas. If your gas spend regularly exceeds the BMO CashBack cap, Scotiabank Momentum may earn more total gas cash back in a year.

4% on grocery
4% on gas
4% on recurring bills
2% on transit
1% everywhere else

Annual earn example on gas: $300/month gas × 4% = $12/month = $144/year in gas cash back.

3. PC Financial World Elite Mastercard — Best No-Fee Esso Card ($0/year)

Earns 30 PC Optimum points per dollar at Esso and Mobil stations (3% back in PC Optimum value). No annual fee. Stack with in-store Esso Extras / Esso Smiles if applicable.

If you fill up at Esso regularly, the PC Financial World Elite earns 3% with no fee — beating the Tangerine Money-Back’s 2% and most standard rewards cards.

Income requirement: $80,000 personal / $150,000 household.

4. RBC Linked to Petro-Points — Best Per-Litre Savings at Petro-Canada

Linking an eligible RBC credit card to your Petro-Points account activates:

Save 3 cents per litre at Petro-Canada
20% more Petro-Points on every fill-up

At 50 litres per fill-up and 52 fill-ups per year: 3¢ × 50L × 52 = $78 in per-litre savings annually — without any credit card earn rate change.

RBC cards with elevated gas earn: The RBC ION+ Visa earns 3x RBC Rewards at Petro-Canada (and on grocery/streaming/subscriptions).

Gas Station Partner Strategy

Canada’s major gas chains each have loyalty programme partnerships:

Gas Station	Loyalty Programme	Best Card to Use
Petro-Canada	Petro-Points	RBC (3¢/L saving + 20% more points)
Esso / Mobil	PC Optimum (at some Esso)	PC Financial World Elite (30 pts/$1)
Shell	BMO Air Miles	BMO Air Miles World Elite Mastercard
Independent	No loyalty tie-in	BMO CashBack World Elite (5%) or Scotia Momentum (4%)

Note: Esso and PC Optimum integration varies by location. Verify at pcoptimum.ca.

Gas + Grocery Combo Strategy

Gas cards that also earn on grocery save you from carrying multiple category cards:

Card	Gas	Grocery	Annual Fee
Scotiabank Momentum Visa Infinite	4%	4%	$120
CIBC Dividend Visa Infinite	4%	4%	$120
BMO CashBack World Elite	5%	5%	$120
Scotiabank Gold Amex	3x Scene+	6x Scene+ (Sobeys)	$120

For a household spending $300/month gas + $700/month grocery, the Scotiabank Gold Amex earns the most in points value (6x on grocery at Sobeys, 3x on gas), while BMO CashBack World Elite earns the most in cash.

Gas Credit Cards FAQ

Best gas credit card in Canada? BMO CashBack World Elite (5% cash back, cap applies) or Scotiabank Momentum (4%, no cap).

Best no-fee gas card? PC Financial World Elite (30 pts/$1 at Esso, no annual fee, income requirement).

Which card earns at Petro-Canada? Any RBC card linked to Petro-Points saves 3¢/litre. RBC ION+ Visa earns 3x RBC Rewards at Petro-Canada.

Does the Scotiabank Gold Amex earn on gas? Yes — 3x Scene+ on eligible gas and transit purchases (no FX fee on all purchases).

What is the gas earn cap on BMO CashBack? Variable — check current cap at bmo.com.

Card details current as of June 2026. Earn rates and caps subject to change. Verify with the issuer before applying. See our Advertiser Disclosure.