Best Gas Rewards Credit Cards in Canada 2025

As the average cost of gas in Canada is expected to reach between 1.50 and 2.00 dollars a litre in 2025, it can become a burden on the wallet, particularly for commuters or road-trippers. The right credit card can cushion the blow with cash back or points on fuel purchases. There are now cards that also reward electric car (EV) charging, reflecting Canada’s push toward sustainability. This guide will point out the best cards to get gas rewards and provide clear and up-to-date information to help Canadians save. For broader cashback options, check our guide to the best cashback credit cards in Canada.

How We Chose These Cards

• We compared cards in terms of gas reward rates, annual fees, welcome bonuses, and benefits such as insurance.
• Banks and their websites, as well as NerdWallet.ca and Ratehub.ca. Reviews were considered sources.
• At least 2% gas back, low-value caps, and good value to average spenders-approximately $ approximately $200 a month on gas fuel per household. Canadian Income limits and credit scores (660+) were taken into consideration as well.

For those building credit, explore our top secured credit cards in Canada.

Best Gas Rewards Credit Cards

The following are the best choices in 2025, with key details about the cards.  

1. CIBC Dividend Visa Infinite Card

Get 4% cash back at the pump, the grocery store, and on EV charging–no limit. The first year is free of the annual fee of $120. Income must be at least $60,000 individual or $100,000 household. New users receive a cash bonus of up to $200 after four months of spending $500. Benefits, including mobile device insurance, are also available. Rewards decline to 1% outside specific categories, making it suitable for serious spenders. Saves approximately 96 dollars annually on 2400 dollars gas expenditure.

2. SimplyCash Preferred Card from American Express

Earn 4% cash back on gas and groceries on up to $30,000 in purchases per year, then 2 percent. Yearly subscription costs 119.88 dollars. Its welcome bonus is 10 per cent back up to $400 in the first four months. No income requirement, but a 660+ credit score helps. Offers 2 per cent on any other purchases and purchase protection. Some places do not accept Amex, so check the compatibility of the stations. It is perfect for city commuters, with a payoff of 120 dollars on 3000 dollars of fuel consumption annually.

3. BMO Eclipse Visa Infinite Card

Earn 5x points on gas, grocery, and transit (up to 50,000 annually) worth up to 3-5% when redeemed as travel. Has an annual fee of $120, first year waived. Income requirements are $ 60,000 with a welcome bonus of 70,000 points ($467 value) after spending a sum of $3,000 within three months. It includes trip cancellation insurance. The points fall to 1x after caps. Ideal with broad-based spenders, saving 100+ on gas per year. For more travel-focused cards, see our top travel credit cards for Canadians.

4. TD Cash Back Visa Infinite Card

Earn 3 per cent cash back on gas, groceries, and recurring bills on a combined annual spend of up to $15,000. Has an annual fee of $139, first year discounted with a TD chequing account. Income requirement $60,000 personal. Welcome bonus of up to $500 in cash back value. Comes with deluxe travel insurance and roadside assistance via Visa Infinite privileges. Rewards are redeemable at any time in the form of statement credits. Catering to loyal TD customers, saving approximately 90 dollars a year on 3,000 dollars of gasoline.

5. Scotiabank Momentum Visa Infinite Card

This has 4% back on groceries and repeating charges, but 2% on fuel and everyday transportation—great for balanced budgets. Fee, $120, waived first year. Income requirements $60,000. Has a welcome bonus of 10 per cent cash back on initial $2,000 spent (up to $200). Powerful insurance package. Caps at 1 per cent in the highest categories; they pay $25,000.

6. Tangerine Money-Back Credit Card

No-fee alternative with 2 per cent cash back on up to three selected categories, including gas. Unlimited earning.Has a welcome bonus of up to 10% back on the first $1000 (up to $100). Flexible to new players, auto-deposits rewards. No income min, but 600+ score. Does not have premium perks. For other no-fee options, visit our guide to no-fee credit cards in Canada for 2025.

Things to Consider When Selecting a Gas Rewards Card

• Rewards rate: Find a 3-4 per cent reward if you drive frequently.
• Annual fee: Ensure the benefits are higher than expenses.
• Gas alliances: CIBC + Journie, Esso + PC Optimum, etc.
• Other bonus types: Groceries, dining, or bills can be a bonus.
• Perks: Roadside assistance, travel insurance, and extended warranty.
• Eligibility: certain premium cards necessitate an income of 60k- 80k.
• EV charging: More recent cards reward charging points as well.

Tips to Get the Most out of your Gas Rewards

To maximize the rewards, swipe your card at affiliated stations (e.g., CIBC with Journie Bonuses on additional discounts). Keep track of expenditure to ensure they do not exceed limits, and pay balances on a monthly basis to avoid interest charges. The current rate of interest charged is approximately 20 per cent per annum.

Combine with the GasBuddy app to find the lowest price pumps. Redeem intelligently- cash back money could be used to pay bills or points to travel. If you drive less, use no-fee cards. Follow up on Forward promotions; issuers usually increase bonuses seasonally.

Frequently Asked Questions

• Which is the best no-fee gas rewards card? The Tangerine Money-Back gives 2 per cent on gas with no charges. It is suitable for light users.
• Are these cards compatible with EV charging? Indeed, many, such as CIBC and TD, encompass it in gas categories.
• How do I apply? Search issuer websites; pre-approval tools to verify eligibility without a hard inquiry.
• Are rewards taxable? Not usually, since they are rebates, although it’s important to consult a tax advisor.
• What happens when I have a poor credit score? Start with secured cards or build the score through timely payments.

Conclusion

The right credit card gas rewards in Canada can save you a lot of money on gasoline, as well as provide you with extra benefits and add perks to your wallet. Whether it is the high-rate CIBC Dividend to keep your everyday savings or the flexible Amex, you can always find a way to maximize the rewards. These 2025 options are suited to a variety of needs, with broader cash back. Start saving today and explore more on Global Investor for smart strategies and financial insights. Drive smarter, spend wiser.. Drive smarter, spend wiser.

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