The Best Gas Credit Cards in Canada for 2025

For Canadian drivers, a gas credit card can be an invaluable tool for saving money on fuel, earning rewards, and gaining access to various perks.

With rising gas prices and the high cost of living, these cards can provide relief by offering rewards like cash-back, travel points, or other incentives.

Selecting the right gas credit card can help you make the most of your fuel spending, providing value far beyond the tank.

In this article, we’ll review the best gas credit cards in Canada for 2025, helping you choose the one that suits your driving habits and financial goals.

Why Use a Gas Credit Card?

Gas credit cards are designed specifically for drivers who fill up their vehicles regularly.

These cards typically offer a higher rate of rewards for fuel purchases, making them ideal for those who want to earn points or cash back on every litre of fuel.

In addition to fuel-related rewards, many gas credit cards provide other benefits, such as discounts at certain gas stations, access to exclusive promotions, or travel-related perks like insurance and lounge access.

However, it’s important to assess the value of the rewards and the other benefits that come with the card.

Some cards offer great rewards for gas, but may have high interest rates, while others provide travel points or cash back on a broader range of categories.

By focusing on the card that best matches your spending patterns, you can make a significant impact on your savings over time.

BMO® AIR MILES® World Elite® Mastercard®

The BMO® AIR MILES® World Elite® Mastercard® stands out as one of the top options for Canadian drivers who prefer collecting AIR MILES.

This card offers 1 AIR MILES reward mile for every $12 spent at participating gas stations.

This is particularly beneficial for drivers who fuel up at popular gas chains like Shell or Esso, which are typically AIR MILES partners.

In addition to earning miles on fuel, the BMO® AIR MILES® World Elite® Mastercard® also offers 1 AIR MILES for every $10 spent on other purchases, making it a great card for everyday expenses.

As part of its welcome offer, cardholders can earn 2,000 AIR MILES reward miles after making their first purchase.

These miles are worth $200, which can be used for travel bookings or shopping with AIR MILES partners.

This card also provides several premium benefits, such as access to airport lounges, travel insurance, and extended warranty protection.

It’s an excellent choice for those who want to collect AIR MILES efficiently and gain access to travel-related perks.

Apply for BMO® AIR MILES® World Elite® Mastercard®

Scotiabank Gold American Express® Card

If you want a card that rewards you not only for gas purchases but also for dining, entertainment, and travel, the Scotiabank Gold American Express® Card is a fantastic choice.

This card offers 5 Scotia Rewards points for every $1 spent on gas at eligible gas stations.

It also earns 3 points per dollar spent on dining, entertainment, and streaming services—categories that can quickly accumulate points if you dine out or enjoy entertainment regularly.

In addition to the lucrative point-earning categories, the Scotiabank Gold American Express® Card comes with a substantial welcome offer.

New cardholders can earn 25,000 Scotia Rewards points after spending $1,000 in the first 3 months.

These points can be redeemed for up to $250 in travel rewards, gift cards, or merchandise.

One of the standout features of this card is its no foreign transaction fees, which is a huge perk for those who travel abroad.

Additionally, cardholders benefit from comprehensive travel insurance and purchase protection.

For individuals who prioritise rewards for a variety of categories—including gas—the Scotiabank Gold American Express® Card is an excellent option.

Its high reward rate for gas and other essential spending makes it a versatile choice for those looking to earn substantial rewards while fueling up.

Apply for Scotiabank Gold American Express® Card

American Express® Cobalt Card

The American Express® Cobalt Card is a great option for individuals who want to maximise their rewards across a broad range of categories.

Though it’s not specifically a gas card, it offers 5 Membership Rewards points for every $1 spent on gas, groceries, and dining.

This makes it a valuable choice for those who want to earn high rewards for essential spending while also benefiting from additional perks like travel insurance and hotel privileges.

The American Express® Cobalt Card’s welcome offer provides 2,500 Membership Rewards points after your first purchase, and an additional 20,000 points when you spend $3,000 in the first 3 months.

Membership Rewards points are flexible and can be redeemed for travel, gift cards, or even cash back.

The card also offers added benefits like extended warranty coverage and exclusive access to certain American Express offers.

For individuals who want to earn rewards across several spending categories, the Cobalt Card offers great flexibility, especially if you’re looking to benefit from gas rewards along with other purchases like groceries and dining.

Apply for American Express® Cobalt Card

RBC Avion Visa Infinite Card

For those who prefer earning flexible travel rewards, the RBC Avion Visa Infinite Card is an excellent choice.

Although it doesn’t offer the highest rate of rewards on gas purchases compared to some other cards, it still gives 1 RBC Rewards point for every $1 spent at the pump.

What sets this card apart is its ability to accumulate RBC Rewards points, which can be redeemed for a wide range of travel-related rewards.

The welcome offer for the RBC Avion Visa Infinite Card includes 15,000 RBC Rewards points after your first purchase, and an additional 10,000 points when you spend $5,000 within the first 3 months.

These points can be redeemed for travel, merchandise, or even cash back. Cardholders also enjoy access to over 1,200 airport lounges, comprehensive travel insurance, and a variety of RBC-exclusive offers.

For frequent travellers who want to earn flexible rewards for all their purchases—including gas—the RBC Avion Visa Infinite Card is a top-tier option.

The flexibility of RBC Rewards points combined with the premium travel benefits makes it a compelling choice for those who want to get the most out of their credit card.

Apply for RBC Avion Visa Infinite Card

TD Cash Back Visa Infinite Card

For drivers who prefer straightforward cash back rewards, the TD Cash Back Visa Infinite Card is a great option.

This card offers 3% cash back on gas purchases, making it ideal for individuals who frequently fill up their vehicles.

In addition to the cash back on gas, cardholders earn 1% cash back on all other purchases, which can add up quickly over time.

As a welcome offer, the card provides 10% cash back on all purchases for the first 3 months, up to a maximum of $2,000 in spend.

This can significantly boost your cash back earnings in the initial months.

The TD Cash Back Visa Infinite Card also offers valuable protections like travel insurance, purchase security, and extended warranty protection.

For drivers who prefer simplicity, the TD Cash Back Visa Infinite Card offers a great way to earn cash rewards without the complexity of points systems.

It’s a straightforward, no-fuss card that rewards you for every dollar spent, especially on gas.

Apply for TD Cash Back Visa Infinite Card

Conclusion

Choosing the best gas credit card for 2025 depends on your specific needs, driving habits, and financial preferences.

Whether you’re looking to maximise travel rewards, earn cash back, or collect points for other purchases, there are plenty of options available to help you save on fuel while earning valuable rewards.

The BMO® AIR MILES® World Elite® Mastercard® is an excellent choice for AIR MILES collectors, offering good rewards for gas and everyday purchases.

The Scotiabank Gold American Express® Card provides high reward rates across a variety of categories, including gas.

If you’re seeking flexibility and versatility, the American Express® Cobalt Card is a strong contender, earning rewards across many categories, including gas.

For those who want to earn travel rewards with flexible point redemption, the RBC Avion Visa Infinite Card is a great option, while the TD Cash Back Visa Infinite Card is perfect for those who prefer straightforward cash back on their fuel purchases.

Ultimately, the best gas credit card for you will depend on your spending habits, reward preferences, and how much value you place on other perks.

Take the time to review the features of each card and choose the one that best suits your needs.