The Best Credit Cards for Gas and Transit – May 2026

Q: What are the best credit cards for gas and transportation?

The best credit cards for gas and transportation are:- SimplyCash® Preferred Card from American Express; - CIBC Dividend® Visa Infinite* Card; - TD Cash Back Visa Infinite* Card; - BMO CashBack® World Elite®* Mastercard®*; - Scotiabank Gold American Express® Card; - BMO eclipse Visa Infinite* Card;

With the constant increases in gas prices over recent months, it is natural to look for ways to save at the pump. One of the best credit cards in Canada for gas purchases is the SimplyCash^® Preferred Card from American Express. With this card, you get 4% cash back on gas.

The credit cards below are the best to help you reduce your bill if you have significant expenses for local transit or gas. Use one of our favorite tips: buy gift cards.

Indeed, if your credit card offers more points when shopping at the grocery store, buy gift cards from your favorite gas station.

For example, with the American Express Cobalt^® Card, you can earn 5 points for grocery purchases and 2 points at gas stations. You can therefore buy Esso, Petro-Canada, and even Uber gift cards at Metro or Super C, and then use them to pay for your gas.

With this trick, a $100 gift card purchase at a grocery store will earn you 500 points ($100 X 5), instead of 200 points for a purchase made directly at Esso or Petro-Canada.

The same principle applies to the BMO CashBack^® World Elite^®* Mastercard^®* (up to 5% for groceries and 3% for gas) and the Scotia Momentum^® Visa Infinite* Card (4% for groceries and 2% for gas).

Additionally, another tip is to combine the gas station’s loyalty program with your credit card.

With its CIBC Dividend^® Visa Infinite* Card, CIBC offers gas discounts at Ultramar with the Journie program.

Finally, if you use local transit such as the Société de Transport de Montreal (STM), the Réseau Express Métropolitain (REM), the Réseau de Transport de la Capitale (RTC), or the Toronto Transit Commission (TTC), consider a credit card like the Scotiabank Passport™ Visa Infinite+ Card, which offers 2 points per dollar for local transit.

Best Gas and Transportation Credit Cards

Here is a table summarizing the different offers. For more details, read on or click on the name of a card.

SimplyCash® Preferred Card from American Express

The SimplyCash^® Preferred Card from American Express is the only credit card in Canada that offers 2% cash back on all purchases. In addition, you can get:

4% cash back at gas stations
4% cash back at grocery stores

With this welcome offer, you can get 10% cash back on all your purchases (up to $2,000) during the first 3 months, for a total of up to $200. Plus, receive a $50 credit on your account after making a purchase in the 13th month.

The SimplyCash^® Preferred Card from American Express is particularly popular with those who have significant purchases to make: renovations, furniture or appliance purchases, as it offers 2% at all merchants.

This Card stands out for the numerous insurances offered: car rental theft and damage, $100,000 travel accident, emergency medical expenses (outside the province or country), lost or stolen baggage, flight delay and misdirected baggage, hotel or motel burglary, Purchase Protection, Buyer’s Assurance.

Like all American Express Canada Cards, there is no minimum income requirement.

Scotiabank Passport™ Visa Infinite +* Card

With this welcome offer for the Scotiabank Visa Infinite ^+* Passport^MC Card, you get up to 60,000 Scene+ points as a welcome bonus (a value of $600):

40,000 points after $2,000 in purchases within the first three months
10,000 points after $10,000 in purchases within the first six months
10,000 points after $40,000 in purchases in the first year

Then, each year, if you make at least $40,000 in purchases on the card, you’ll earn an annual bonus of at least 10,000 points, which represents a $100 value.

With the Scotiabank Visa Infinite +* Passport^MD Card, you earn 3 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà par IGA, Voilà by Safeway, Chalo! grocery stores. FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

You also earn 2 points per dollar spent, including on foreign purchases, in the following categories:

Grocery shopping
Restaurants
Entertainment centers
Transit

The Scotiabank Visa Infinite +* Passport^MD Card is an excellent Visa credit card for these types of purchases.

These points can be used for any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusive packages, and even Airbnb). You can also redeem your points as cash back with Scene+, for example, at your grocery store checkout at the same rate of 1,000 points = $10.

The Scotiabank Visa Infinite +* Passport^MD Card also offers:

No fees for foreign currency transactions
6 access to VIP airport lounges
Excellent insurance for your travels and purchases
Concierge service
Travel with confidence with 10 GB of free GigSky global mobile data for 15 days, plus access to GigSky Travel Essentials for essential apps on the go.
Cardholders also receive a free 1 GB/15-day GigSky global mobile data package annually, plus a 20% discount on future GigSky purchases.

We have named this credit card the Best Credit Card with No Foreign Transaction Fees in 2024, 2025, and 2026.

BMO CashBack® Mastercard®* World Eliteᴹᴰ*

BMO CashBack^® World Elite^®* Mastercard^®* is one of Canada’s best cash back Mastercard credit cards.

Currently, for a limited time, you could receive up to $480 in cash back in the first year. In fact, you will receive $40 in cash back for each monthly period in which you make $2,000 in purchases on your card.

Plus, there is no annual fee for the first year!

Additionally, you benefit from a 0% introductory interest rate on balance transfers for 12 months, as well as a 2% balance transfer fee.

With BMO CashBack^® World Elite^®* Mastercard^®*, you get between 2% and 5% cash back on many categories of purchases:

5% on grocery purchases (on the first $500 you spend monthly)
4% on transit (on the first $300 you spend monthly)
3% on gas and electric vehicle charging (on the first $300 you spend monthly)
2% on recurring bill payments (on the first $500 you spend monthly)

Everywhere else, you’ll earn 1% cash back, including at Costco. It is also one of the only credit cards in its category to offer a 2 additional years extended warranty.

Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.

American Express Cobalt® Card

The American Express Cobalt^® Card is the best credit card from American Express, whether you want points for travel or cash back.

The welcome bonus is distributed monthly for the first 12 months. You’ll earn 1,250 Membership Rewards points for every $750 in purchases charged to your card during the month (whether in the 1X, 2X, 3X or 5X category). That’s up to 15,000 Membership Rewards points.

You can easily use these points as statement credits for everyday or travel purchases. The value is the same for both: 1,000 points = $10.

Alternatively, transfer them to Aeroplan points, Avios (British Airways/Qatar Airways), Flying Blue, Marriott Bonvoy, or Hilton Honors.

For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to:

15,000 Aeroplan points
15,000 Avios points
15,000 Flying Blue Miles
18,000 Marriott Bonvoy points

With the American Express Cobalt^® Card, you can earn between 1 and 5 points per dollar:

Category	Points per dollar
Grocery (Métro, IGA, Sobeys, Super C, etc.)	5
Home food delivery	5
Restaurants and bars	5
Convenience stores	5
Streaming services	3
Service station	2
Transport	2
Travel	1
Other	1

This is a 1 to 5% return on all these purchases.

For example, if you spend $1,000 per month on groceries and/or restaurants and/or food delivery, you’ll earn $50 cash back per month, or $600 cash back per year with this card for this category of purchases!

And if you decide to transfer your points to other programs like Aeroplan, you could get even more value!

In addition, this card provides excellent insurance coverage: rental car theft and damage, baggage delay, lost or stolen baggage, flight delay, $250,000 travel accident, hotel or motel burglary, Mobile Device Insurance, Purchase Security, Purchase Protection Insurance.

Like all American Express Canada Cards, there is no minimum income requirement.

CIBC Dividend® Visa Infinite* Card

The CIBC Dividend^® Visa Infinite* Card is one of the best Visa credit cards with cash back in Canada.

Right now, with this welcome offer, get a 10% welcome bonus in the form of up to $250 cash back (period covered by your first 4 statements) and a rebate on your first year’s annual fees^†!

Plus, receive $50 cash back when you set up a pre-authorized payment within the first 4 months.

With this CIBC cash back credit card, you earn:

4% cash back on eligible gas, electric vehicle charging, and grocery purchases^†
2% cash back on eligible transportation and dining purchases and on eligible recurring bill payments^†
1% cash back on all other purchases^†

For example, if you spend $1,000 per month on groceries and/or gas and/or electric vehicle charging, you’ll earn $40 cash back per month or $480 cash back per year with this card for this category of purchases!

And that’s not counting the other purchases you’ll make with this card and the advantages it offers (particularly in terms of insurance).

And this CIBC Cash Back Credit Card offers many insurance coverages:

Auto Rental Collision/Loss Damage Insurance
$500,000 Common Carrier Accident Insurance
Out-of-Province Emergency Travel Medical Insurance
Purchase Security and Extended Protection Insurance

Scotiabank Gold American Express® Card

The Scotiabank Gold American Express Card offers an excellent welcome bonus.

Until July 1, 2026, you can get up to 45,000 Scene+ points as a bonus, distributed as follows:

25,000 Scene+ points by spending $2,000 on the card within the first 3 months
20,000 Scene+ points by making $7,500 in purchases on the card in the first year

This represents a value of up to $450 for travel (including Airbnb).

With the Scotiabank Gold American Express Card, you earn 6 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà par IGA, Voilà by Safeway, Chalo! grocery stores. FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

Also, you earn 5 points per dollar for:

Grocery stores
Restaurants
Entertainment centers

And 3 points per dollar on gas, transit and streaming services purchases.

You can redeem your points on travel purchases (flights, hotels, all-inclusive and even Airbnb). You can also use your points as cash back rewards with Scene+.

The Scotiabank Gold American Express Card also offers no foreign transaction fees, excellent insurance for your travel or purchases, concierge service, exclusive American Express benefits like the Front of the Line program.

RBC ION+ Visa Card

With the RBC ION+ Visa Card, earn 14,000 Avion points upon approval¹, representing a value of approximately $100 in gift cards^+!.

This RBC credit card allows you to earn 3X the Avion points per dollar on the following categories¹:

Groceries, restaurants and meal delivery
Transportation, gas and electric vehicle charging
Streaming, digital games, and subscriptions

You also earn 1 Avion point per dollar on all other eligible purchases¹.

Plus, save 3¢ per litre on fuel at Petro-Canada and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card⁴.

Finally, benefit from mobile device insurance³ providing two years of protection, up to $1,000, in the event of loss, theft, accidental damage, or breakdown of your mobile device purchased with the card.

BMO eclipse Visa Infinite* Card

By subscribing to our offer for the BMO eclipse Visa Infinite* Card, you can receive an exclusive welcome offer of up to 80,000 BMO Rewards points, as well as a waiver of the $120 annual fee for the first year.*

In addition, you will benefit from a $50 annual lifestyle credit. You also have a monthly statement credit for streaming services for the first year.*

With the BMO eclipse Visa Infinite* Card, you can earn 5 BMO Rewards points per dollar spent on:

groceries*
food delivery or takeout*
ridesharing*
public transit*
gas*

And 1 BMO Rewards point per dollar spent everywhere else. Plus, if you add a supplementary card to your account, you’ll earn 10% more points*.

You can use BMO Rewards points for travel (flights, hotels, car rentals, packages, etc.) or for rewards and gift cards on the BMO Rewards platform.

Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card*.

TD Cash Back Visa Infinite* Card

With the TD Cash Back Visa Infinite* Card, you earn 3% in Cash Back Dollars on:

Grocery stores
Gas, EV charging and public transit
Recurring bills, streaming services, digital media and games

And 1% cash back on all other purchases.

It’s the best TD cash back credit card, especially for gas purchases.

With this new welcome offer, you could earn 10% cash back on gas and grocery purchases and pre-authorized payments for the first three months (up to $3,500 in purchases). So you can earn up to $350 cash back!

Plus, a first-year annual fee rebate for the Primary and Additional Cardholders.

Finally, you have good insurance coverage, such as travel medical insurance, delayed or lost baggage insurance, collision/loss damage insurance for car rentals and mobile device insurance.

American Express® Gold Rewards Card

Earn up to 60,000 Membership Rewards points with this welcome offer for the American Express Gold Rewards Card. That’s a value of $600 toward travel or any purchase charged to the Card:

5,000 Membership Rewards points per month when you charge $1,000 in net purchases to your Card, for 12 months (a total of 60,000 points in the first year).

You can also transfer your points to airline partners such as Aeroplan, Avios (British Airways, Qatar Airways, Finnair), Flying Blue, and hotel partners (Marriott Bonvoy, Hilton Honors).

For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to :

60,000 Aeroplan points
60,000 Avios
60,000 Flying Blue Miles
72,000 Marriott Bonvoy points

With this Card, you get many benefits like:

$100 annual travel credit
Priority Pass membership and 4 complimentary Plaza Premium visits per year
$50 NEXUS credit

You earn 2 points per dollar for travel purchases, and at:

gas stations
grocery stores
drugstores

And 1 point per dollar everywhere else.

Like all American Express Canada Cards, there is no minimum income requirement.

Scotia Momentum® Visa Infinite +* Card

The Scotia Momentum^® VISA Infinite +* card is recognized, year after year, as one of the best cash back credit cards in Canada. Milesopedia has even named it best cash back credit card in 2026.

Currently, thanks to this promotional offer, the Scotia Momentum Visa Infinite+ Card has no annual fee for the first year, including on additional cards. And you can get 15% cash back on all your purchases for the first three months (up to $2,000 in total purchases).

It also includes a new convenient benefit for travellers: enjoy 10 GB of free GigSky global mobile data for 15 days, as well as access to Travel Essentials to use essential apps like messaging, maps, and email while on the go. Cardholders also continue to receive 1 GB of free GigSky mobile data per year, plus a 20% discount on future GigSky purchases.

With the Scotia Momentum^® VISA Infinite+ card, you get:

4% cash back on grocery purchases and recurring payments
2% cash back on gas purchases, public transit, carpooling, and food delivery
1% cash back on all other purchases

For example, if you spend $1,000 per month on grocery purchases and/or recurring payments, you will get $40 cash back per month, or $480 per year, with this card, for this purchase category. And that’s not counting the other purchases you make with this card and the benefits it offers (including its excellent insurance coverage).

If you are a renter, you could, for example, use the Scotia Momentum Visa Infinite Card on the Chexy site to pay your rent and get 4% cash back.

Also note that you can use your cash back at any time (the cash back balance must be at least $25).

Frequently asked questions about gas and transportation credit cards

What are the best credit cards for gas and transportation?

The best credit cards for gas and transportation are:

Are electric vehicle charging stations eligible for gas rewards?

Yes — most modern Canadian credit cards now treat EV charging the same as a traditional gas station purchase. The BMO CashBack World Elite Mastercard earns 3% on gas and electric vehicle charging, while the CIBC Dividend Visa Infinite offers 4% on eligible gas, EV charging and groceries. The RBC ION+ Visa also categorizes EV charging in its 3X gas-and-transit bonus. The merchant has to be coded by the network (Visa, Mastercard, Amex) as a gas or charging station, so most public networks like Petro-Canada EV, Flo, ChargePoint, and Tesla Supercharger qualify, while home-installed wallboxes typically do not.

Does Costco gas count toward my credit card cash back?

It depends on the network. Costco gas stations in Canada accept Mastercard exclusively, so any Mastercard with a gas-category bonus — such as the BMO CashBack World Elite Mastercard (3%) or the National Bank World Elite Mastercard — will earn the full bonus on Costco fuel. Visa and American Express cards cannot be used at Costco gas pumps, even if their gas multiplier is higher. If a large share of your fill-ups happen at Costco, your best move is a Mastercard product. Confirm category coding on your statement after the first transaction — a few warehouse-style fuel sites have miscoded in the past.

What counts as transit on a credit card?

Transit is one of the broadest spending categories on Canadian credit cards. It typically covers monthly transit passes, single fares, taxis, ride-sharing services like Uber and Lyft, commuter trains (GO Transit, exo, AMT), subway systems (STM, TTC, OC Transpo), parking meters, ferries, and tolls. Some cards extend transit to tolls and limousine services. The CIBC Dividend Visa Infinite covers transit at 2%, while the RBC ION+ Visa rewards 3X Avion points on the same category. Always check the merchant category code (MCC) on your statement — Greyhound and intercity buses sometimes code as travel rather than transit.

Are there any no-fee credit cards with bonus rewards on gas?

Yes — several solid no-annual-fee options exist. The RBC ION Visa earns 1.5X Avion points on gas, transit and groceries with no fee. The Tangerine Money-Back Credit Card lets you choose gas as one of your 2% cash-back categories, with no fee. The CIBC Dividend Visa (no-fee version) offers 2% on gas. For Amex fans, the SimplyCash Card from American Express offers 2% on gas year-round with no fee. None match the 4-5% earnings of premium cards, but the savings on the annual fee can offset the gap if you spend less than $4,000 a year on fuel.

Can I combine my credit card with Petro-Points at Petro-Canada?

Absolutely — stacking is one of the easiest ways to boost your fuel returns. The RBC ION+ Visa and other RBC cards offer 3 cents per litre savings at Petro-Canada when you link your RBC card to your Petro-Points account, on top of the 3X points you earn on the purchase. CIBC Aventura cardholders also get 10% extra Petro-Points. Always present your Petro-Points card (or the Petro-Canada app) at the pump first, then pay with your credit card to capture both rewards. Triple stacking is possible if you also pay through the Petro-Canada app, which earns app-only bonuses periodically.

Is there a monthly cap on bonus gas and transit rewards?

Most premium gas-and-transit cards apply a monthly or annual cap on bonus-category earnings. The RBC ION+ Visa caps the 3X bonus at $8,000 in annual category spend (any spending past that earns 1X). The BMO CashBack World Elite Mastercard caps the 5% on groceries at $500 per month. The CIBC Dividend Visa Infinite caps the 4% bonus at $80,000 per year combined. The American Express Cobalt caps the 5X bonus at $30,000 in annual eligible spending. Beyond the cap, you typically earn the base 1X / 1% rate. Track your spending in the issuer’s app to avoid surprises.