Best Gas and Transit Credit Cards in Canada for 2025
Top credit cards with boosted rewards on your gas and transit purchases.
Gas and transit cards often offer higher earn rates, pump discounts, or travel-friendly perks – making them some of the most rewarding cards for everyday spending. The very best gas and transit credit card in Canada is the CIBC Dividend Visa Infinite Card, which provides both.
If a significant portion of your budget goes towards gas or transit passes, the right credit card can help with these expenses.
In this article, we’ll look at the best gas and transit credit cards in Canada. You’ll see how these cards' discounts, accelerated earnings, and extra benefits compare, so you can find the one that best fits your commute.
Key Takeaways
- Some gas rewards cards give you an instant discount on fuel while others offer perks like roadside assistance.
- Many gas and transit rewards cards charge an annual fee, but the savings can offset the cost.
- Transit cards give you enhanced earn rates when you charge qualifying purchases, like a monthly metro or bus pass, to the card.
Best gas and transit credit cards for November 2025
| Credit card | Annual fee | Current offer | |
|---|---|---|---|
| Best overall card | CIBC Dividend Visa Infinite Card | $120 | 10% cash back for the first 4 months, first year annual fee rebate (terms) |
| Best daily card | American Express Cobalt Card | $191.88 |  $100 GeniusCash + Up to 15,000 bonus points (terms) |
| Best premium card | CIBC Aventura Visa Infinite Card | $139 | Up to 45,000 bonus points, first year annual fee waived† (terms) |
| Best card for flexible rewards | BMO eclipse Visa Infinite Card | $120 | $150 GeniusCash + Up to 70,000 bonus points, first year free (terms) |
| Best no fee card | Tangerine Money-Back Credit Card | $0 | $120 GeniusCash + 10% extra cash back for the first 2 months (terms) |
| Best for instant fuel savings | BMO AIR MILES World Elite Mastercard | $139 | Up to 45,000 bonus points, first year annual fee waived† (terms) |
| Best for perks | American Express Gold Rewards Card | $250 | Up to 60,000 bonus points (terms) |
| Best for on-the-road benefits | TD Cash Back Visa Infinite Card | $139 | $100 GeniusCash + 10% cash back on eligible purchases for the first 3 months, first year fee rebate (terms) |
| Best for gas at Costco | CIBC Costco Mastercard | $0 | None |
* Note: All rewards calculations in this article are based strictly on a monthly gas & transit spend of $1,000. You can fine-tune the calculations to your own budget on the Compare Cards page.
If you want a card that can be used for more than just gas and transit, take a look at the average earn rates on the best gas and transit cards.
1. Best overall card for gas and transit
×1 Award winner Join and earn up to $400 in value including a first-year annual fee rebate.†
1x Award winner Join and earn up to $400 in value including a first-year annual fee rebate.†
Rewards:
- 4%† cash back on eligible gas, EV charging, and groceries
- 2%† cash back on eligible restaurants, transportation, and recurring bills/payments
- 1%† cash back on all other purchases
The CIBC Dividend Visa Infinite Card is our pick for the best overall gas credit card – especially if you enjoy getting cash back from your gas purchases. You’ll earn up to 4% back at the pump (and grocery store). We also appreciate the additional discount you’ll get when buying gas at Journie Rewards-affiliated gas stations.
The nice welcome bonus, standard insurance package, and Visa Infinite benefits make this one of the most useful and rewarding gas cards to carry.
Pros:
- Save up to 10 cents per litre on fuel at Journie Rewards gas stations
- Earn up to 10% cash back for the first 4 months, up to $2,500 in spend
Cons:
- Only 6 types of insurance included
- High income requirements of $60,000 personal or $100,000 household
2. Best daily card
×8 Award winner 
GC: $100
8x Award winner Rewards:
- 5 points per $1 spent on eligible groceries and restaurants (up tp $2,500 spent per month)
- 3 points per $1 spent on eligible streaming services
- 2 points per $1 spent on eligible gas, transit, and ride share purchases
- 1 point per $1 spent on foreign currency purchases
- 1 point per $1 spent on all other purchases
Our top credit card in Canada doubles as one of the best overall gas credit cards. With the American Express Cobalt Card, you’ll earn 2 points per $1 spent on your gas and transit purchases. And since Amex Membership Rewards points are worth up to 2 cents each, that's a 4% return on your spending. Plus, there are plenty of stellar earn rates beyond gas and transit, making this card ideal for everyday use in a wide variety of purchase categories.
This card also features a generous welcome bonus, solid insurance coverage, and access to the Hotel Collection, making it a well-rounded option to keep in your wallet.
Pros:
- 15,000 welcome bonus points
- High point value of up to 2 cents each
- Several ways to redeem points for high value
- 10 types of insurance included
Cons:
- Lower acceptance as an Amex
- $191.88 annual fee
3. Best premium card
Rewards:
- 2 points per $1 spent on travel booked through the CIBC Rewards Centre
- 1.5 points per $1 spent on eligible gas, groceries, EV charging, and drugstores
- 1 point per $1 spent on all other purchases
If you’re looking for a card that goes above and beyond with rewards, discounts, and benefits, look no further than the CIBC Aventura Visa Infinite Card.
You’ll earn up to 45,000 welcome points, and those trips to the pump will earn you 1.5 points per $1 spent. Where the card really shines is its extensive benefits: a great insurance package, airport lounge access, NEXUS rebate, and Visa Infinite benefits.
Pros:
- Up to 45,000 bonus Aventura points
- Points worth up to 2.29 cents each
- Save up to 10 cents per litre on fuel at Journie Rewards gas stations
- Visa Airport Companion Membership with four free passes
- Includes 12 types of insurance
Cons:
- High income requirements of $60,000 personal or $100,000 household
- Poor rewards outside of the airline rewards chart
4. Best card for flexible rewards
GC: $150
Instant approval: YesCredit estimate:
Annual fee
$120.00
$0
1st year waived
Credit estimate: (560 - 659)Instant approval: Yes
GC: $150
Rewards:
- 5 BMO Rewards points for every $1 spent on dining, groceries, gas, and transit
- 1 point per $1 spent on all other purchases
If you prefer multiple redemption options, the BMO eclipse Visa Infinite Card is a flexible rewards card that will earn you 5 BMO Rewards for every $1 you spend on gas (and groceries and restaurants). With BMO points worth 0.67 cents each when redeemed for travel, you're getting a return of 3.35% on your gas and transit purchases.
Although you’ll get the most from redeeming points for travel, you can also use your points for investing, experiences, gift cards, merchandise, and statement credits. The choice is yours!
Pros:
- 70,000 welcome bonus points
- Earn up to 5 points per $1 spent on purchases
- $50 annual lifestyle credit
- 10% bonus points when you add an authorized user
Cons:
- Lower point value of only 0.67 cents
- High income requirements of $60K personal or $100K household
5. Best no fee card
×1 Award winner GC: $120
1x Award winner Rewards:
- 2% cash back on purchases in up to 3 Money-Back Categories
- 0.5% cash back on all other purchases
If you want cash back but don’t want to pay an annual fee, it’s hard to beat the Tangerine Money-Back Credit Card. Simply choose gas or transit as one (or both) of your 2% money-back categories, and you'll earn 2% cash back on every gas and/or transit purchase you make – with no limits on how much you can earn.
Plus, if you deposit your rewards into a Tangerine Savings account, you'll get to choose an additional category. That's three categories of your choice to earn 2% cash back. You’ll earn 0.5% back on all other purchases.
Pros:
- 2% cash back on up to three categories
- Choose your own categories that earn 2% cash back from a list of 10
- No annual fee
Cons:
- Only earns 0.5% cash back on non-bonus category purchases
- Only includes basic credit card insurance
Pro Tip: For an elevated experience, check out theTangerine® Money-Back World Mastercard®* . You’ll get the same rewards plus a few extras, including mobile device and rental car insurance. Note that you’ll need $60,000 personal or $100,000 household income to qualify.
6. Best for instant fuel savings
×1 Award winner GC: $150
1x Award winner Rewards:
- 1 Mile for every $12 spent
- 3x the Miles for every $12 at participating Air Miles partners
- 2x the Miles for every $12 spent at any eligible grocery, liquor, and wholesale stores
We could go on and on about the benefits you’ll get with the BMO AIR MILES World Elite Mastercard, but then we might overlook the card’s savings at the fuel pump. You’ll earn Air Miles on all purchases with this card, plus save up to 7 cents per litre at Shell – and you use your Cash Miles towards your gas purchase.
Pros:
- Get up to 9,000 bonus Air Miles
- Annual 25% discount on one Air Miles reward flight booking
- Automatic Air Miles Onyx status
- 14 types of insurance included
- Save up to 7 cents per litre at Shell
- Annual $120 fee waived for the first year
Cons:
- Low rewards compared to other premium cards
- High income requirements of $80,000 personal or $150,000 household
7. Best for perks
Rewards:
- 2 points for every $1 spent on gas, groceries, drugstores, and travel
- 1 point for every $1 spent on all other purchases
If you’re looking to prioritize perks, the American Express Gold Rewards Card may be perfect for you. You’ll enjoy a welcome bonus of up to 60,000 points and lots of benefits, including complimentary Priority Pass membership, four passes to Plaza Premium Lounges in Canada, and exclusive Amex perks like Front Of The Line.
You can transfer points at a ratio of 1:1 to Aeroplan or Avios miles to get 2x the normal reward value – and with free additional Gold Rewards cards, you’ll earn points even faster.
Pros:
- 60,000 welcome bonus points
- High point value of up to 2 cents each
- Multiple ways to redeem points for high value
- 4 free lounge passes per year to Plaza Premium Lounges in Canada
Cons:
- High annual fee of $250
- Lower acceptance as an Amex card
8. Best for on-the-road benefits
GC: $100
Rewards:
- 3% cash back on gas, groceries, EV charging, public transit, digital gaming, and recurring bills
- 1% cash back on all other purchases
If you’re someone who typically skims over a credit card’s insurance offerings, slow down and check out the TD Cash Back Visa Infinite Card. The insurance alone makes it an invaluable resource for people who travel frequently.
You’ll get the usual purchase and mobile protections along with emergency medical coverage, emergency roadside assistance, baggage delay insurance, lost or stolen baggage coverage, and rental car coverage.
Did we mention you’ll also earn 3% back on gas? To seal the deal, you’ll also have access to Visa Infinite benefits.
Pros:
- 10% cash back on eligible purchases for the first 3 months, up to $3,500 in spend
- First-year fee rebate (conditions apply)
- Free roadside assistance (conditions apply)
Cons:
- High income requirements of $60,000 personal or $100,000 household
- High credit score required
9. Best for gas at Costco
Rewards:
- 3% cash back on restaurants and Costco gas
- 2% cash back at other gas stations, EV charging, and at Costco.ca
- 1% cash back on all other purchases
Costco members who always fill up at their local warehouse may want to look into the CIBC Costco Mastercard. Sure, you won’t enjoy many other perks or benefits, but you’ll get a hefty 3% back on Costco gas along with 2% back on gas everywhere else (up to $5,000 spent per calendar year).
If you spend over $5,000 a year in gas, you’ll still earn 1% back. For a card with no annual fees (except your Costco membership fee), the savings can add up quickly.
Pros:
- No annual fee
- High earn rate on Costco gas
Cons:
- Only available for Costco members
- Only includes 3 types of insurance
- No special earn rate at Costco warehouses
Compare top gas and transit credit cards by Genius Rating
×1 Award winner Join and earn up to $400 in value including a first-year annual fee rebate.†
1x Award winner Join and earn up to $400 in value including a first-year annual fee rebate.†
Get a first-year annual fee rebate and 10% cash back for the first 4 statements on net purchases of up to $2,500.†
Get a first-year annual fee rebate and 10% cash back for the first 4 statements on net purchases of up to $2,500.†
×8 Award winner GC: $100 8x Award winner How we get our rankings
How do we decide what is the best gas credit card? It's actually really simple. Since we're after credit cards that offer the best rewards for gas and transit purchases, we're only basing our Genius Rating on the rewards these cards offer on gas.
Learn more about our Genius Rating methodology
What makes a good gas credit card?
A useful gas card should offer you higher earn rates at gas stations or discounts at certain gas stations. The cards can have other benefits like emergency roadside assistance or insurance coverage, but they should primarily be saving you money or earning you major points at the pump.
General gas credit cards vs. loyalty gas credit cards
Most of the cards that we ranked are general gas credit cards, which allow you to earn rewards everywhere. Loyalty cards are different in that they only give you a discount for a specific retailer or brand.
For instance, we included the CIBC Costco Mastercard on our list. You’ll earn a whopping 3% back on Costco gas, but the reward isn’t as great if you use the card elsewhere.
Pros and cons of gas credit cards
As with all credit cards, the be gas and transit cards have both benefits and drawbacks:
Pros:
- High earn rates on your gas and transit purchases: This is probably the biggest selling feature of our top gas credit cards.
- Valuable earn rates on other purchases: You may also earn high earn rates on categories like groceries, restaurants, travel, and recurring bills.
- A mix of rewards and cash back: Our list has a diverse choice of rewards. Whether you want flexible rewards, Air Miles, or straight up cash back, there's a rewards structure to fit what you want.
Cons:
- High annual fees: If you want good rewards for both gas and transit, you'll have to pay for it. Although the Tangerine Money-Back Credit Card and CIBC Costco Mastercard don’t charge annual fees, the other cards on our list cost between $120 and $250 per year.
- High standard interest rates: Unfortunately, all of these cards have high standard interest rates, ranging from 19.95% to 23.99%. If you need to save on interest, these cards won't be the best choice for you.
How to maximize gas rewards
For the most part, you don’t have to do much beyond pumping your gas in order to get gas rewards. However, there are a few little strategies that offer big value:
- Choosing a card based on your spending habits: For instance, if most of your budget goes to gas, you might choose a card like the CIBC Dividend Visa Infinite Card, which gives 4% cash back when you refuel. With a card like the Tangerine Money-Back Credit Card, you might opt to include gas as one of your boosted earning categories.
- Use a gas station that partners with your credit card: For example, if you have an RBC card, head to Petro-Canada to refuel since you’ll earn up to 7 cents per litre back when you link your credit card.
- Combine your card with a loyalty program: Before you head to the pump, sign up for the gas station’s loyalty program, which might even pair with your credit card for bonus points. For instance, you can link your CIBC Visa with the Journie Rewards program to save up to 10 cents per litre.
- Be mindful of caps: Some credit cards place caps on earning rewards, so read your card’s terms and conditions carefully. For example, your card might give 3% back on fuel purchases, up to $3,000 in spending a year – anything above that will earn you fewer rewards.
It could also help to consider your driving habits:
| Choose a card that emphasizes… | Top credit card picks | |
|---|---|---|
| Daily commuter | * Consistent gas rewards * No annual fee | * Tangerine Money-Back Credit Card * CIBC Costco Mastercard |
| Long-distance driver or road-tripper | * High gas earn rate * Travel perks like roadside assistance | * CIBC Dividend Visa Infinite Card * Scotia Momentum Visa Infinite Card * TD Cash Back Visa Infinite Card |
| Rideshare and delivery driver | * High gas earn rate * Tools for expense tracking | * CIBC Dividend Visa Infinite Card * TD Cash Back Visa Infinite Card |
| Family with multiple vehicles | * Free supplemental cards * Broad category rewards | * American Express Cobalt Card |
Are gas credit cards worth it?
A gas credit card can be a fantastic way to save on regular purchases like fuel. Plus, many of these cards also offer higher earn rates for grocery purchases, making the cards even more valuable.
That being said, many gas cards have an annual fee, so ask yourself if it makes financial sense for you to get one before you fill out an application.
Tips to save on public transit
You might not have as many discounts to save on public transit, but here are a few strategies to try:
- Check for a senior discount if you’re 60 or 65: Earn a discount on public railway, bus, or ferry passes. Since these vary by province, take a look at what’s offered in your area.
- Buy weekly or monthly passes: You’ll typically get a better rate by purchasing long-term passes.
- Get discounted fares: You may qualify for lower public transit fares if you can show a valid student, youth, or senior ID. Some provinces also offer discounts to low-income residents or individuals with disabilities.
- Purchase your weekly or monthly passes with a credit card: Specifically, use a credit card that earns you more for transit purchases. Some communities offer a subscription model for transit tickets/passes, and this can be a valuable option if you have a credit card that rewards recurring purchases.
FAQ
Can I get a credit card for gas only?
Yes. When you choose one, select a card that offers a high rate of return on gas purchases. If you can’t find one you like, look for a card with a high flat rate on everyday purchases.
Which card is best for fuel in Canada?
Our favourite credit card for fuel purchases is the American Express Cobalt Card. You'll earn two points per $1 spent on gas, transit, and travel, providing a return of up to 4% on your commuting purchases.
Do all credit cards give you points on transit purchases?
Not necessarily. The best cards for transit purchases have higher earn rates on gas and transit spend, but a card with a flat earn rate will still earn you points on all purchases, including transit passes.
What is the best cash back on gas credit card in Canada?
We have to go with the CIBC Dividend Visa Infinite Card. You’ll get up to 4% cash back at the pump (and grocery store). Plus, you’ll get an additional discount when you buy gas at Journie Rewards gas stations.
Do Costco members get a discount on gas?
If you have the CIBC Costco Mastercard, you’ll get a handy 3% off your fuel purchase at Costco and 2% off at all other gas stations. Unfortunately, if you’re not a member, you can’t buy gas at Costco.
Do I need a gas-specific card if I already have a cash back card?
If you have a cash back card that gives you a good return on everyday purchases or offers an increased earn rate for gas, then no, you don't really need a credit card with specific gas-related benefits.
Are rewards calculated only on fuel or total transaction?
Credit card issuers use the merchant code when calculating rewards. So, if you make a purchase at a gas station, it’s likely coded for fuel, but you should check your statement just to be sure.
Editorial Disclaimer: The content here reflects the author's opinion alone. No bank, credit card issuer, rewards program, or other entity has reviewed, approved, or endorsed this content. For complete and updated product information please visit the product issuer's website. Our credit card scores and rankings are based on our Rating Methodology that takes into account 126+ features for each of 227 Canadian credit cards.
