Top 3 gas credit cards in Canada
Gas credit cards help you earn rewards at the pump and offer bonus points on everyday purchases like groceries, bills and dining. Here's our top 3 and other great options.
Gas rewards credit cards can save you money at the pump, on groceries, travel—and even get you cash back.
Gas rewards credit cards can help you save on your commute by offering big rewards on fuel purchases. With inflation driving up costs across the board, including rising oil prices, many people feel the pinch most at the pump. Fortunately, several gas credit cards in Canada offer automatic savings to ease the burden. See our top gas rewards credit cards below and check out our Best Credit Cards Canada list for all our award winners across all main categories
🏆Gold: BMO CashBack® Mastercard®*
5% cash back
Welcome Bonus
$401
First Year Value
$276
Annual Value
Welcome Bonus: Get up to 5% cash back in your first 3 months and a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee.† Expires Jan 31, 2026
Get this card if you...
- want to earn cash back on everyday purchases
- value the flexibility to redeem cash back at any time
- value a great welcome offer
Annual Fee & Annual Interest Rates
$0
Annual Fee
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Our Take
The BMO CashBack® Mastercard®* is a no-annual-fee credit card that allows cardholders to earn cash back on everyday purchases, with elevated rates for categories such as groceries and recurring bill payments. It offers flexible redemption options and includes benefits like purchase protection and extended warranty.
Eligibility
Good (620 - 670)
Recommended Credit Score
Pros
- No Annual Fee: A rare find in Canada for a cash back card
- A generous 3% cash back on groceries (up to $500 monthly)
- Easily redeem from $1, set up automatic redemptions, or use as a statement credit
- Additional perks include discounts on rentals, free supplementary cards and show discounts
Cons
- Outside of groceries and recurring payments, the standard earn rate drops to 0.5%
- Monthly caps on top earn rates for groceries and recurring payments
- A 2% balance transfer fee applies
- The interest rate on the remaining balance transfer amount increases after the introductory period
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
0.99%
Balance Transfer (Introductory)
Fees
$0
Annual Fee
Rewards cash back
3%
Cardholders earn 3% (up to a monthly max of $500) cash back on groceries
1%
Cardholders can earn 1% (up to $500 per month) on any recurring bill payments*
0.5%
Cardholders can earn 0.5% (no monthly max) on all other eligible purchases*
Get up to 5% cash back in your first 3 months and a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee.†
Plus, enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
*Terms and Conditions Apply
Our Take
The BMO CashBack® Mastercard®* is a no-annual-fee credit card that allows cardholders to earn cash back on everyday purchases, with elevated rates for categories such as groceries and recurring bill payments. It offers flexible redemption options and includes benefits like purchase protection and extended warranty.
Eligibility
Good (620 - 670)
Recommended Credit Score
Pros
- No Annual Fee: A rare find in Canada for a cash back card
- A generous 3% cash back on groceries (up to $500 monthly)
- Easily redeem from $1, set up automatic redemptions, or use as a statement credit
- Additional perks include discounts on rentals, free supplementary cards and show discounts
Cons
- Outside of groceries and recurring payments, the standard earn rate drops to 0.5%
- Monthly caps on top earn rates for groceries and recurring payments
- A 2% balance transfer fee applies
- The interest rate on the remaining balance transfer amount increases after the introductory period
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
0.99%
Balance Transfer (Introductory)
Fees
$0
Annual Fee
Rewards cash back
3%
Cardholders earn 3% (up to a monthly max of $500) cash back on groceries
1%
Cardholders can earn 1% (up to $500 per month) on any recurring bill payments*
0.5%
Cardholders can earn 0.5% (no monthly max) on all other eligible purchases*
Get up to 5% cash back in your first 3 months and a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee.†
Plus, enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
*Terms and Conditions Apply
Our top pick for gas purchases offers exceptional value without an annual fee:
- No annual fee: This card costs you absolutely nothing to carry, making it accessible to all Canadians regardless of spending habits and ideal for earning rewards with no strings attached
- Impressive cash back on gas purchases: Cardholders earn 3% back on gas purchases, meaning you’ll get $3 for every $100 spent at the pump, putting real money back in your pocket with every fill-up.
- Introductory APR on balance transfers: New accounts also enjoy 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee. This offer provides significant additional value, allowing you to consolidate and pay down debt without interest for three-quarters of a year.
- Better overall value than premium alternatives: While the BMO World Elite version offers 5% back on gas, we believe the combination of no annual fee and the balance transfer offer makes this basic version the better choice for most Canadians.
- Flexible redemption options: Cash back can be redeemed whenever you want, with no minimum redemption amount required.
Disclosures:
- *Terms and conditions apply.
-
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.
🥈 Silver: CIBC Dividend® Visa Infinite* Card
10% cash back†
Welcome Bonus
$878
First Year Value
$558
Annual Value
Welcome Bonus: Earn 10% cash back for the first 4 statements on net purchases of up to $2,000.† Plus, get a first-year annual fee rebate for you and up to three Authorized Users.†
Get this card if you...
- want high cash back rates on groceries, gas and recurring bills
- value comprehensive insurance benefits
- value a great welcome offer
Annual Fee & Annual Interest Rates
$120
Annual Fee
20.99%†
Purchase
22.99%†
Cash Advance
22.99%†
Balance Transfer
Our Take
The CIBC Dividend® Visa Infinite* Card is a cash back credit card offering elevated earn rates on categories such as groceries, gas, transportation, dining, and recurring payments. Cardholders benefit from features like purchase security, extended protection, and optional insurance coverages. It's a good option for those seeking to maximize cash back on everyday spending.
Eligibility
Good (620 - 670)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- First-year annual fee rebate†
- 10% cash back welcome bonus up to $2,000† spend
- 4% cash back on gas, electric vehicle charging and grocery stores
- 2% cash back on transportation, dining and recurring payments
- High annual spending cap on benefits ($20,000 in bonus categories or $80,000 total)
Cons
- High income requirement
- Sparse travel insurance offering
Annual Interest Rates
20.99%†
Purchase
22.99%†
Cash Advance
22.99%†
Balance Transfer
25.99%†
Penalty
Fees
$120
Annual Fee
2.50%†
Foreign Transaction
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards cash back
4%
cash back on eligible gas, EV charging, and grocery purchases.†
2%
cash back on eligible transportation, dining purchases and recurring payments†
1%
cash back on all other purchases†
10 cents
save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Get a first-year annual fee rebate for you and up to three Authorized Users† and earn 10% cash back for the first 4 statements on net purchases of up to $2,000†.
Our Take
The CIBC Dividend® Visa Infinite* Card is a cash back credit card offering elevated earn rates on categories such as groceries, gas, transportation, dining, and recurring payments. Cardholders benefit from features like purchase security, extended protection, and optional insurance coverages. It's a good option for those seeking to maximize cash back on everyday spending.
Eligibility
Good (620 - 670)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- First-year annual fee rebate†
- 10% cash back welcome bonus up to $2,000† spend
- 4% cash back on gas, electric vehicle charging and grocery stores
- 2% cash back on transportation, dining and recurring payments
- High annual spending cap on benefits ($20,000 in bonus categories or $80,000 total)
Cons
- High income requirement
- Sparse travel insurance offering
Annual Interest Rates
20.99%†
Purchase
22.99%†
Cash Advance
22.99%†
Balance Transfer
25.99%†
Penalty
Fees
$120
Annual Fee
2.50%†
Foreign Transaction
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards cash back
4%
cash back on eligible gas, EV charging, and grocery purchases.†
2%
cash back on eligible transportation, dining purchases and recurring payments†
1%
cash back on all other purchases†
10 cents
save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Get a first-year annual fee rebate for you and up to three Authorized Users† and earn 10% cash back for the first 4 statements on net purchases of up to $2,000†.
Last year's best cash back card continues to deliver exceptional value for drivers:
- Substantial first-year value: Between the welcome bonus and first-year fee rebate, we estimate that the Dividend Visa Infinite Card’s first-year value is $878, delivering immediate returns on your gas spending.
- First-year annual fee rebate: The standard $120 annual fee is waived for the first year, giving you 12 months to test-drive the card's benefits without cost.
- Superior cash back on gas purchases: Cardholders earn 4% cash back on eligible gas, EV charging, and grocery purchases† This higher-than-average earn rate means more savings at every fill-up compared to our top pick, though it comes with an annual fee after the first year.
- Additional 10 cents per litre savings with Journie Rewards: When linked with the Journie Rewards program, this card offers an extra 10 cents off per litre at participating stations, potentially doubling your savings.
- Strong insurance coverage: Includes mobile device insurance, purchase security, and extended warranty protection that you won't find on the no-fee BMO option.
Disclosures:
- †Terms and Conditions Apply. This offer is not available for the residents of Quebec.
-
This is a digital-exclusive offer.†
To be eligible for this offer:
1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and
2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.†
This offer is reserved for you. Please do not forward it to anyone else.
CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months.†
Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertising partners.
- The information for the CIBC Dividend® Visa Infinite* Card has been collected independently by Money.ca. The card details on this page have not been reviewed or provided by the card issuer.
🥉 Bronze: SimplyCash® Preferred Card from American Express
bonus 10% cash back
Welcome Bonus
$742
First Year Value
$492
Annual Value
Welcome Bonus: Earn a bonus 10% cash back on purchases in your first 3 months (up to $2,000 in purchases).
Get this card if you...
- want to earn cash back faster
- need comprehensive insurance benefits
- want a generous welcome offer to maximize rewards
Annual Fee & Annual Interest Rates
$119.88
Annual Fee
21.99%
Purchase
21.99%
Cash Advance
Our Take
The SimplyCash® Preferred Card from American Express is a cash back credit card offering elevated earn rates on eligible gas and grocery purchases in Canada, with a standard rate on all other purchases. Cardholders benefit from a welcome bonus, as well as additional perks such as rental car insurance and travel accident coverage; however, the card carries a monthly fee, and cash back is redeemed annually each September.
Eligibility
Excellent (740+)
Recommended Credit Score
Pros
- Competitive cash back rates: Up to 4% on gas and groceries, and more
- Refer-a-friend bonus up to $750 annually
- Extra benefits like rental car insurance and travel accident coverage
- Manufacturer's warranty doubled on purchases
Cons
- $9.99/month fee ($119.88 annually)
- Cash back redeemed annually in September
- Not all benefits may be relevant to all users
- Limited to American Express acceptance
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
29.99%
Penalty
Fees
$119.88
Annual Fee
2.50%
Foreign Transaction
$29
Over The Limit Penalty
Rewards cash back
4%
cash back on eligible gas station purchases in Canada
4%
cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually)
2%
cash back on all other purchases
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$100,000
Travel accident insurance amount
$500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn a bonus 10% cash back on purchases in your first 3 months (up to $2,000 in purchases). That’s on top of your everyday cash back earn rates.
Plus, earn a $50 statement credit* when you make a purchase in month 13.*
This could add up to $250 in bonus value in your first 13 months.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
Our Take
The SimplyCash® Preferred Card from American Express is a cash back credit card offering elevated earn rates on eligible gas and grocery purchases in Canada, with a standard rate on all other purchases. Cardholders benefit from a welcome bonus, as well as additional perks such as rental car insurance and travel accident coverage; however, the card carries a monthly fee, and cash back is redeemed annually each September.
Eligibility
Excellent (740+)
Recommended Credit Score
Pros
- Competitive cash back rates: Up to 4% on gas and groceries, and more
- Refer-a-friend bonus up to $750 annually
- Extra benefits like rental car insurance and travel accident coverage
- Manufacturer's warranty doubled on purchases
Cons
- $9.99/month fee ($119.88 annually)
- Cash back redeemed annually in September
- Not all benefits may be relevant to all users
- Limited to American Express acceptance
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
29.99%
Penalty
Fees
$119.88
Annual Fee
2.50%
Foreign Transaction
$29
Over The Limit Penalty
Rewards cash back
4%
cash back on eligible gas station purchases in Canada
4%
cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually)
2%
cash back on all other purchases
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$100,000
Travel accident insurance amount
$500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn a bonus 10% cash back on purchases in your first 3 months (up to $2,000 in purchases). That’s on top of your everyday cash back earn rates.
Plus, earn a $50 statement credit* when you make a purchase in month 13.*
This could add up to $250 in bonus value in your first 13 months.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
A solid contender with a unique fee structure and balanced rewards:
- Generous cash back welcome bonus: Earn a bonus 10% cash back on purchases in your first 3 months (up to $2,000 in purchases). This means new cardholders can earn up to $200 in bonus cash back during their first few months, giving you immediate value.
- Innovative monthly fee: Rather than paying a large annual fee upfront, this card spreads the cost throughout the year, making it easier to manage for budget-conscious Canadians.
- Strong cash back on both gas and groceries: Cardholders earn 4% back on both gas and grocery store purchases in Canada. This dual category bonus makes it an excellent choice for those looking to maximize rewards on two major household expenses.
- More limited acceptance: American Express isn't accepted at all gas stations across Canada, particularly in smaller towns and rural areas, which is why this otherwise excellent card ranks third.
- No minimum income requirement: Unlike the CIBC Visa Infinite, this card is accessible to Canadians at all income levels who qualify based on credit score.
Disclosures:
-
Contact American Express for the most up-to-date referral bonus figures.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.
Best gas credit card for Shell
1,200 AIR MILES*
Welcome Bonus
$263
First Year Value
$143
Annual Value
Welcome Bonus: Get 1,200 AIR MILES Bonus Miles‡ and a 0.99% introductory interest rate on balance transfers for 9 months with a 2% transfer fee.† Expires Jun 01, 2026
Get this card if you...
- quickly rack up more Air Miles
- want rewards, with no annual fee
- value a great welcome offer
Annual Fee & Annual Interest Rates
$0
Annual Fee
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Our Take
The BMO® AIR MILES®† Mastercard®* is a no-annual-fee credit card that allows cardholders to earn AIR MILES on everyday purchases, with accelerated rates at participating AIR MILES Partners and eligible grocery stores. It includes benefits such as purchase protection, extended warranty, and discounts on car rentals, making it a practical choice for those looking to accumulate AIR MILES without an annual fee.
Eligibility
Good (620 - 670)
Recommended Credit Score
Pros
- No annual fee with a substantial welcome offer
- Earn Air Miles with both credit and collector cards
- Low eligibility requirements
- Additional Benefits include discounts, insurance, and a low balance transfer rate
Cons
- A 2% fee applies to balance transfers.
- Limited redemption options
- Variable redemption values may vary based on last-minute short-haul flights
- Its specific rewards program is best for those interested in the Air Miles loyalty program
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
0.99%
Balance Transfer (Introductory)
Fees
$0
Annual Fee
2.00%
Balance Transfer
Rewards AIR MILES
3x
the Miles for every $25 spent at participating AIR MILES Partners
2x
the Miles for every $25 spent at any eligible grocery store*
2x
the Miles for every $25 spent at any eligible wholesale clubs, membership-based retailers and alcohol retailers
1 Mile
for every $25 that you spend with your credit card everywhere else
Get 1,200 AIR MILES Bonus Miles‡ (that’s enough for $120 towards purchases with AIR MILES Cash) and a 0.99% introductory interest rate on balance transfers for 9 months with a 2% transfer fee.†
Plus, enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
†Terms and Conditions Apply.
Our Take
The BMO® AIR MILES®† Mastercard®* is a no-annual-fee credit card that allows cardholders to earn AIR MILES on everyday purchases, with accelerated rates at participating AIR MILES Partners and eligible grocery stores. It includes benefits such as purchase protection, extended warranty, and discounts on car rentals, making it a practical choice for those looking to accumulate AIR MILES without an annual fee.
Eligibility
Good (620 - 670)
Recommended Credit Score
Pros
- No annual fee with a substantial welcome offer
- Earn Air Miles with both credit and collector cards
- Low eligibility requirements
- Additional Benefits include discounts, insurance, and a low balance transfer rate
Cons
- A 2% fee applies to balance transfers.
- Limited redemption options
- Variable redemption values may vary based on last-minute short-haul flights
- Its specific rewards program is best for those interested in the Air Miles loyalty program
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
0.99%
Balance Transfer (Introductory)
Fees
$0
Annual Fee
2.00%
Balance Transfer
Rewards AIR MILES
3x
the Miles for every $25 spent at participating AIR MILES Partners
2x
the Miles for every $25 spent at any eligible grocery store*
2x
the Miles for every $25 spent at any eligible wholesale clubs, membership-based retailers and alcohol retailers
1 Mile
for every $25 that you spend with your credit card everywhere else
Get 1,200 AIR MILES Bonus Miles‡ (that’s enough for $120 towards purchases with AIR MILES Cash) and a 0.99% introductory interest rate on balance transfers for 9 months with a 2% transfer fee.†
Plus, enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
†Terms and Conditions Apply.
For AIR MILES collectors who want to maximize rewards at the pump without paying an annual fee:
- Triple the AIR MILES at Shell: Earn 3x the Miles for every $25 spent at participating AIR MILES Partners, including Shell gas stations, putting more rewards in your pocket with every fill-up.
- Double-dipping opportunity with Shell Go+: Stack your rewards by also earning Shell Go+ Miles on eligible fuel and in-store purchases, effectively boosting your earn rate to 4x AIR MILES at Shell locations.
- Generous welcome bonus: New accounts get a 1,200 AIR MILES Bonus Miles* welcome bonus. This substantial sign-up offer gives new cardholders an immediate reward that can be used toward travel, merchandise, or even cash back through AIR MILES Cash.
- Attractive introductory rate on balance transfers: Transfer high-interest debt and pay just 0.99% interest for 9 months (with a 2% transfer fee), combining rewards earning with debt management.
- No annual fee: Unlike many rewards cards, this one costs nothing to carry, making it accessible to all Canadians regardless of spending habits.
- Additional cardholder benefits: Enjoy extended warranty, purchase protection, discounts on car rentals, and other perks typically reserved for premium cards.
We recommend this card for Shell customers and AIR MILES collectors who want to maximize their rewards without paying an annual fee. Based on $500 monthly gas spending, the rewards value significantly outweighs upgrading to the World Elite version with its annual fee.
Disclosures:
- *Terms and conditions apply
-
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.
Best gas credit card for Esso
$438
First Year Value
$0
Annual Value
Get this card if you...
- want to quickly rack up PC Optimum points
- want to avoid paying an annual fee
- want basic insurance benefits
Annual Fee & Annual Interest Rates
$0
Annual Fee
21.99%
Purchase
22.97%
Cash Advance
5%
Balance Transfer
Our Take
The PC Financial® World Elite Mastercard® is a no-annual-fee credit card designed for frequent shoppers at Loblaw-affiliated stores, offering elevated PC Optimum points on purchases at these retailers, including Shoppers Drug Mart and Joe Fresh. Cardholders benefit from perks such as 24/7 concierge service and travel emergency medical insurance; however, the card has a high income requirement, and its rewards are primarily limited to Loblaw banner stores.
Eligibility
Fair (300 - 619)
Recommended Credit Score
$80,000
Required Annual Personal Income
Pros
- No annual fee
- High earn rates in certain stores
- Easy, straightforward redemptions
- Points don’t expire provided your account stays active and in good standing
- Special events allow you to earn extra points
Cons
- High income requirement to qualify
- Accelerated earn rates are limited to certain partner stores, and points can be redeemed only for purchases within Loblaw banner stores
- Points can’t be transferred to other loyalty programs
- The included travel insurance is very limited
Annual Interest Rates
21.99%
Purchase
22.97%
Cash Advance
5%
Balance Transfer
Fees
$0
Annual Fee
Rewards PC points
45 points
* 45 points per $1 spent at Shoppers Drug Mart/Pharmaprix
30 points
Earn 30 points per litre for gas purchased at Esso™ or Mobil™ stations
30 points
Earn 30 points per $1 spent on PC Travel services
30 points
Earn 30 points per $1 spent at Loblaw Banner Grocery Stores (includes Loblaws, No Frills, Valu-Mart, Independent Grocers, Zehrs, Real Canadian Superstore, Fortinos, etc.)
10 points
Earn 10 points per $1 spent everywhere else
Insurance Benefits
$65,000
Rental car insurance amount
Our Take
The PC Financial® World Elite Mastercard® is a no-annual-fee credit card designed for frequent shoppers at Loblaw-affiliated stores, offering elevated PC Optimum points on purchases at these retailers, including Shoppers Drug Mart and Joe Fresh. Cardholders benefit from perks such as 24/7 concierge service and travel emergency medical insurance; however, the card has a high income requirement, and its rewards are primarily limited to Loblaw banner stores.
Eligibility
Fair (300 - 619)
Recommended Credit Score
$80,000
Required Annual Personal Income
Pros
- No annual fee
- High earn rates in certain stores
- Easy, straightforward redemptions
- Points don’t expire provided your account stays active and in good standing
- Special events allow you to earn extra points
Cons
- High income requirement to qualify
- Accelerated earn rates are limited to certain partner stores, and points can be redeemed only for purchases within Loblaw banner stores
- Points can’t be transferred to other loyalty programs
- The included travel insurance is very limited
Annual Interest Rates
21.99%
Purchase
22.97%
Cash Advance
5%
Balance Transfer
Fees
$0
Annual Fee
Rewards PC points
45 points
* 45 points per $1 spent at Shoppers Drug Mart/Pharmaprix
30 points
Earn 30 points per litre for gas purchased at Esso™ or Mobil™ stations
30 points
Earn 30 points per $1 spent on PC Travel services
30 points
Earn 30 points per $1 spent at Loblaw Banner Grocery Stores (includes Loblaws, No Frills, Valu-Mart, Independent Grocers, Zehrs, Real Canadian Superstore, Fortinos, etc.)
10 points
Earn 10 points per $1 spent everywhere else
Insurance Benefits
$65,000
Rental car insurance amount
For Canadians who regularly fuel up at Esso and Mobil stations, The no-fee PC Mastercard delivers exceptional value:
- Impressive PC Optimum points per litre: Earn 2c per litre in PC Optimum points at Esso and Mobil.. This outstanding earn rate at Esso and Mobil stations across Canada means significant rewards with every fill-up, putting this card ahead of many premium competitors.
- Substantial rewards accumulation: A typical 50-litre fill-up earns you 1,500 PC Optimum points, which translates to real savings you can use at Loblaw banner stores, Shoppers Drug Mart, and other PC Optimum partners.
- No annual fee: Unlike many premium rewards cards, this one costs absolutely nothing to carry, maximizing the value of every point you earn without any offsetting costs.
- Broader earning opportunities: Beyond gas, earn enhanced points at Shoppers Drug Mart, Loblaws banner stores, and on everyday purchases, making this a versatile option for your wallet.
Disclosures:
-
Sponsored advertising. President’s Choice Financial® Mastercard® is provided by President’s Choice Bank. The PC Optimum™ program is provided by President's Choice Services Inc. President’s Choice Bank is not responsible for the contents of this site, including any editorials or reviews that may appear on this site. For complete information regarding the PC® Mastercard®, PC® World Mastercard®, or PC® World Elite Mastercard®, please click on the “Apply Now” or other applicable button.
Best gas credit card for Petro-Canada
35,000 points^
Welcome Bonus
$963
First Year Value
$213
Annual Value
Welcome Bonus: Enjoy 35,000 Avion points upon approval^ (travel value of $750†).
Get this card if you...
- want to earn Avion points on everyday purchases
- value a generous welcome offer
- need comprehensive travel insurance benefits
Annual Fee & Annual Interest Rates
$120
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The RBC Avion Visa Infinite Card is a flexible travel rewards credit card that allows cardholders to earn Avion points on everyday purchases, with additional benefits such as comprehensive travel insurance and access to exclusive events. It is well-suited for frequent travelers seeking a versatile rewards program and value-added perks.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
$60,000
Required Annual Personal Income
Pros
- Rewards program is highly flexible, transferable, and includes a slew of non-travel-related reward options
- Partnerships with other retailers like HBC and Petro-Canada
- Provides excellent travel insurance
- New cardholders get 35,000 Avion points^
- Solid option for looking for a travel-centric points program
Cons
- The points-to-dollars ratio is only average and there are few opportunities for accelerated earning.
- The $120 annual fee isn’t cheap
- High annual income requirement: Personal: $60,000 or Household: $100,000
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$120
Annual Fee
2.50%
Foreign Transaction
5.00%
Balance Transfer
Rewards Avion Elite
1
Earn 1 Avion point for every dollar you spend*.
25%
extra Avion points on eligible travel purchases
$1,500
mobile device insurance
3¢/L
savings on fuel at Petro-Canada and always earn 20% more Avion points
50
Be Well points for every $1 spent on eligible products at Rexall
20%
off at Hertz and earn 3x the Avion points
$0
delivery fees for 12 months from DoorDash
Insurance Benefits
$1,500
Mobile device insurance amount
3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Enjoy 35,000 Avion points upon approval^ (travel value of $750†).
^This offer only applies to new applications for an RBC Avion Visa Infinite or RBC Avion Visa Platinum credit card (each, an “Eligible Credit Card”) approved by Royal Bank of Canada (“Royal Bank”) subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the Eligible Credit Card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an Eligible Credit Card account during the Offer Period, are not eligible for the offer. See RBC site for full Terms and Conditions.
Our Take
The RBC Avion Visa Infinite Card is a flexible travel rewards credit card that allows cardholders to earn Avion points on everyday purchases, with additional benefits such as comprehensive travel insurance and access to exclusive events. It is well-suited for frequent travelers seeking a versatile rewards program and value-added perks.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
$60,000
Required Annual Personal Income
Pros
- Rewards program is highly flexible, transferable, and includes a slew of non-travel-related reward options
- Partnerships with other retailers like HBC and Petro-Canada
- Provides excellent travel insurance
- New cardholders get 35,000 Avion points^
- Solid option for looking for a travel-centric points program
Cons
- The points-to-dollars ratio is only average and there are few opportunities for accelerated earning.
- The $120 annual fee isn’t cheap
- High annual income requirement: Personal: $60,000 or Household: $100,000
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$120
Annual Fee
2.50%
Foreign Transaction
5.00%
Balance Transfer
Rewards Avion Elite
1
Earn 1 Avion point for every dollar you spend*.
25%
extra Avion points on eligible travel purchases
$1,500
mobile device insurance
3¢/L
savings on fuel at Petro-Canada and always earn 20% more Avion points
50
Be Well points for every $1 spent on eligible products at Rexall
20%
off at Hertz and earn 3x the Avion points
$0
delivery fees for 12 months from DoorDash
Insurance Benefits
$1,500
Mobile device insurance amount
3
Emergency medical insurance over 65 days
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Enjoy 35,000 Avion points upon approval^ (travel value of $750†).
^This offer only applies to new applications for an RBC Avion Visa Infinite or RBC Avion Visa Platinum credit card (each, an “Eligible Credit Card”) approved by Royal Bank of Canada (“Royal Bank”) subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the Eligible Credit Card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an Eligible Credit Card account during the Offer Period, are not eligible for the offer. See RBC site for full Terms and Conditions.
The RBC Avion Visa Infinite card is a premium travel credit card that offers a range of benefits, especially for those who frequently purchase fuel at Petro-Canada.
- Rewards on gas purchases: Cardholders can enjoy a 3¢/L savings on fuel at Petro-Canada stations and when you link your RBC card with a Petro-Points membership, you earn 20% more Petro-Points on your spending at Petro-Canada.
-
Welcome bonus:
Enjoy 35,000 Avion points upon approval^ (travel value of $750†).
^This offer only applies to new applications for an RBC Avion Visa Infinite or RBC Avion Visa Platinum credit card (each, an “Eligible Credit Card”) approved by Royal Bank of Canada (“Royal Bank”) subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the Eligible Credit Card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an Eligible Credit Card account during the Offer Period, are not eligible for the offer. See RBC site for full Terms and Conditions.
Disclosures:
-
Refer to RBC page for up to date offer terms and conditions.
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Best gas credit card for Costco
$336
First Year Value
$0
Annual Value
Get this card if you...
- are a Costco member, wanting to earn cash back on purchases
- want to avoid paying an annual fee
- want perks like purchase protection and mobile device insurance
Annual Fee & Annual Interest Rates
$0
Annual Fee
20.75%
Purchase
22.49%
Cash Advance
22.49%
Balance Transfer
Our Take
The CIBC Costco Mastercard® is a no-annual-fee credit card tailored for Costco members, offering cash back on various purchase categories, including elevated rates for dining and gas purchases at Costco gas stations. Cardholders benefit from features such as mobile device insurance and the convenience of combining their credit card with their Costco membership card to maximize their cash back.
Eligibility
Good (620 - 670)
Recommended Credit Score
$15,000
Required Annual Personal Income
Pros
- No annual fee
- No fee for additional cards
- Earn up to 3% cash back
- Can double as your Costco membership card (though you’ll still have to pay the Costco membership fee)
- Mobile device insurance
Cons
- Exclusive to Costco members
- Low cash back rate of 1% for purchases at Costco
- High interest rate of 20.75%
- Cash back can only be redeemed at Costco
Annual Interest Rates
20.75%
Purchase
22.49%
Cash Advance
22.49%
Balance Transfer
25.99%
Penalty
Fees
$0
Annual Fee
2.50%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards cash back
3%
cash back at restaurants and at Costco gas
2%
cash back at other eligible gas stations, electric vehicle charging stations and at Costco.ca
1%
cash back on all other purchases including at Costco
Insurance Benefits
$1,000
Mobile device insurance amount
Our Take
The CIBC Costco Mastercard® is a no-annual-fee credit card tailored for Costco members, offering cash back on various purchase categories, including elevated rates for dining and gas purchases at Costco gas stations. Cardholders benefit from features such as mobile device insurance and the convenience of combining their credit card with their Costco membership card to maximize their cash back.
Eligibility
Good (620 - 670)
Recommended Credit Score
$15,000
Required Annual Personal Income
Pros
- No annual fee
- No fee for additional cards
- Earn up to 3% cash back
- Can double as your Costco membership card (though you’ll still have to pay the Costco membership fee)
- Mobile device insurance
Cons
- Exclusive to Costco members
- Low cash back rate of 1% for purchases at Costco
- High interest rate of 20.75%
- Cash back can only be redeemed at Costco
Annual Interest Rates
20.75%
Purchase
22.49%
Cash Advance
22.49%
Balance Transfer
25.99%
Penalty
Fees
$0
Annual Fee
2.50%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards cash back
3%
cash back at restaurants and at Costco gas
2%
cash back at other eligible gas stations, electric vehicle charging stations and at Costco.ca
1%
cash back on all other purchases including at Costco
Insurance Benefits
$1,000
Mobile device insurance amount
The ultimate credit card for Costco members who want to maximize rewards on everyday purchases:
- No annual fee: This card costs absolutely nothing to carry, allowing you to maximize your cash back earnings without any offsetting costs.
- Exclusive to Costco members: Available only to Costco members, this card doubles as your Costco membership ID, eliminating the need to carry a separate membership card.
- Impressive cash back at Costco gas stations: Earn a competitive 3% cash back rate when filling up at Costco gas stations, plus the same generous rate at restaurants and on dining purchases.
- Solid cash back on broader gas purchases: Collect 2% cash back at all other gas stations and electric vehicle charging stations, making this card future-proof for EV owners.
- Additional cash back at Costco.ca: Enjoy bonus rewards on your online Costco shopping, complementing the in-warehouse rewards experience.
- Special installment plan rates: Access CIBC Pace It™ installment plans with preferential interest rates (as low as 5.99% for 6 months) on eligible Costco purchases, perfect for managing larger expenditures.
- Valuable included insurance: Benefit from mobile device insurance up to $1,000 and purchase security & extended warranty protection on eligible purchases.
Disclosures:
- †Terms and Conditions Apply. This offer is not available for residents of Quebec.
-
Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertising partners.
- The information for the CIBC Costco Mastercard® has been collected independently by Money.ca. The card details on this page have not been reviewed or provided by the card issuer.
Best gas credit card with roadside assistance
up to $600 in value†
Welcome Bonus
$452
First Year Value
$0
Annual Value
Welcome Bonus: Earn up to $600 in value†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500†. Conditions Apply.
Get this card if you...
- want to earn cash back on everyday purchases
- want to redeem cash back at any time
- appreciate a good welcome offer
Annual Fee & Annual Interest Rates
$139
Annual Fee
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The TD Cash Back Visa Infinite* Card is a cash back credit card offering elevated earn rates on gas, groceries, and recurring bill payments, with a standard rate on all other purchases. Cardholders benefit from perks such as a comprehensive roadside assistance package through the Deluxe TD Auto Club Membership and travel insurance coverage; however, the card carries an annual fee, and the elevated cash back rates are subject to a maximum spend limit, after which a lower rate applies.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- Solid welcome offer
- High earn rate for 3 popular categories
- Useful automotive benefits
Cons
- Maximum spend limit for 3% cash back
- High annual fee for a cash back card
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
2.50%
Foreign Transaction
$0
Over The Limit Penalty
Rewards cash back
3%
Earn 3% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases†.
3%
Earn 3% in Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†.
1%
Earn 1% in Cash Back Dollars on all other Purchases†.
Insurance Benefits
$1,000
Mobile device insurance amount
$2,000,000
Emergency medical insurance amount
4
Emergency medical insurance over 65 days
$65,000
Rental car insurance amount
Earn up to $600 in value†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500†. Conditions apply.
Bonus Eligible Purchases are Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases, until a total collective spend of $3,500 of such purchases have been made†.
24/7 Emergency Roadside Assistance with Deluxe TD Auto Club membership, included at no additional cost†.
Get an annual fee rebate for the first year†.
To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect.
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Disclosures:
†Terms and conditions apply.
This offer is not available for residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
Our Take
The TD Cash Back Visa Infinite* Card is a cash back credit card offering elevated earn rates on gas, groceries, and recurring bill payments, with a standard rate on all other purchases. Cardholders benefit from perks such as a comprehensive roadside assistance package through the Deluxe TD Auto Club Membership and travel insurance coverage; however, the card carries an annual fee, and the elevated cash back rates are subject to a maximum spend limit, after which a lower rate applies.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- Solid welcome offer
- High earn rate for 3 popular categories
- Useful automotive benefits
Cons
- Maximum spend limit for 3% cash back
- High annual fee for a cash back card
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
2.50%
Foreign Transaction
$0
Over The Limit Penalty
Rewards cash back
3%
Earn 3% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases†.
3%
Earn 3% in Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†.
1%
Earn 1% in Cash Back Dollars on all other Purchases†.
Insurance Benefits
$1,000
Mobile device insurance amount
$2,000,000
Emergency medical insurance amount
4
Emergency medical insurance over 65 days
$65,000
Rental car insurance amount
Earn up to $600 in value†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500†. Conditions apply.
Bonus Eligible Purchases are Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases, until a total collective spend of $3,500 of such purchases have been made†.
24/7 Emergency Roadside Assistance with Deluxe TD Auto Club membership, included at no additional cost†.
Get an annual fee rebate for the first year†.
To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect.
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Disclosures:
†Terms and conditions apply.
This offer is not available for residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
A premium cash back card that delivers exceptional value for drivers beyond just gas rewards:
- Competitive cash back on gas purchases: The TD Cash Infinite Card earns 3% back on gas, EV charging, and public transit purchases. While slightly lower than CIBC's 4% offering, this strong earn rate applies to both traditional gas and electric vehicle charging stations, making it future-proof for EV adopters.
- Included TD Roadside Assistance membership: This standout feature saves you $50-$70 annually compared to a CAA membership, providing peace of mind with roadside help when you need it most.
- Impressive welcome offer: Earn up to $600 in value†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500†. Conditions Apply.. This is one of the most generous introductory offers on the market.
- Annual fee: While not free, the combination of strong cash back rates, roadside assistance, and welcome bonus easily offsets this cost for most drivers.
- Flexible redemption options: Cash back can be applied to your account whenever you want, with no minimum redemption amount, giving you control over your rewards.
Disclosures:
-
†Terms and conditions apply.
This offer is not available to residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
Best joint gas credit card
5% cash back
Welcome Bonus
$393
First Year Value
$243
Annual Value
Welcome Bonus: Earn 5% Cash Back†† on eligible gas and grocery purchases for the first 6 months (until the total gas and grocery purchases in the applicable month reaches $500).
Get this card if you...
- want to earn cash back on gas and groceries
- value a no-annual-fee card that still offers strong rewards
- want a flexible rewards program
Annual Fee & Annual Interest Rates
$0
Annual Fee
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The MBNA Smart Cash Platinum Plus® Mastercard® is a no-annual-fee credit card that offers cash back on everyday purchases, with elevated rates for gas and groceries. Cardholders also benefit from features such as purchase assurance and extended warranty.
Eligibility
Good (620 - 670)
Recommended Credit Score
Pros
- Generous Welcome Bonus to earn accelerated rewards during the initial six months of account opening
- No annual fee
- Ongoing cash back rewards after the welcome bonus - up to 2% cash back on eligible purchases
- Car rental discounts
- MBNA Payment Plan: Flexible payment options for purchases over $100, which is a nice perk for budget management.
- Purchase assurance and extended warranty
Cons
- Monthly spend cap on the welcome bonus rewards earn rate
- Limited reward categories
- Potential fees for payment plan
- No travel rewards or premium perks
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
2.50%
Foreign Transaction
3.00%
Balance Transfer
Rewards cash back
2%
Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)
0.5%
Get 0.5% Cash Back‡ for all other eligible purchases
Insurance Benefits
$200,000
Rental car insurance amount
Earn 5% Cash Back on eligible gas and groceries purchases for the first 6 months†† ($500 monthly spend cap).
Our Take
The MBNA Smart Cash Platinum Plus® Mastercard® is a no-annual-fee credit card that offers cash back on everyday purchases, with elevated rates for gas and groceries. Cardholders also benefit from features such as purchase assurance and extended warranty.
Eligibility
Good (620 - 670)
Recommended Credit Score
Pros
- Generous Welcome Bonus to earn accelerated rewards during the initial six months of account opening
- No annual fee
- Ongoing cash back rewards after the welcome bonus - up to 2% cash back on eligible purchases
- Car rental discounts
- MBNA Payment Plan: Flexible payment options for purchases over $100, which is a nice perk for budget management.
- Purchase assurance and extended warranty
Cons
- Monthly spend cap on the welcome bonus rewards earn rate
- Limited reward categories
- Potential fees for payment plan
- No travel rewards or premium perks
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
2.50%
Foreign Transaction
3.00%
Balance Transfer
Rewards cash back
2%
Cash Back‡ on eligible gas and grocery purchases thereafter (until the total gas and grocery purchases in the applicable month reaches $500)
0.5%
Get 0.5% Cash Back‡ for all other eligible purchases
Insurance Benefits
$200,000
Rental car insurance amount
Earn 5% Cash Back on eligible gas and groceries purchases for the first 6 months†† ($500 monthly spend cap).
The perfect gas rewards card for the everyday Canadian who wants premium benefits without premium requirements:
- $0 annual fee: This card costs absolutely nothing to carry, maximizing the value of every dollar you earn in cash back with no offsetting costs.
- Accessible qualification requirements: Unlike many premium rewards cards, there's no minimum income requirement, and you can qualify with an average credit score, making this card available to most Canadians.
- Impressive cash back on gas for 6 months: New cardholders enjoy a generous 5% Cash Back†† on eligible gas and grocery purchases for their first six months (up to $500 monthly spend in each category).
- Solid ongoing cash back on gas and groceries: After the promotional period ends, you'll still earn a competitive 2% on these essential spending categories (up to $500 monthly spend in each category).
- Up to 9 additional cards at no extra cost: Add multiple family members to your account without paying extra fees, allowing your entire household to pool rewards under one account.
- Automatic cash back redemption: Once your cash back balance reaches $25, it's automatically credited to your account, simplifying the redemption process.
- Purchase protection and extended warranty: Enjoy purchase assurance and extended warranty coverage typically found on premium cards, protecting your important purchases.
Disclosures:
-
‡, ††, ✪, Terms and Conditions apply.This offer is not available for residents of Quebec. For residents of Quebec, please click here.Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank.
Best gas credit card with premium travel perks
up to $2,400 value*
Welcome Bonus
$2,985
First Year Value
$585
Annual Value
Welcome Bonus: Get up to $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Expires Jan 31, 2026
Get this card if you...
- want an annual companion pass
- want instant elite status in VIPorter
- hate middle seats and are looking for a refreshing new way to fly
Annual Fee & Annual Interest Rates
$199
Annual Fee
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Our Take
The BMO VIPorter World Elite Mastercard is a premium travel credit card from Bank of Montreal (BMO) and Porter Airlines. The card features a huge welcome bonus, up to 3x on flights and a selection of great perks such as priority boarding, an annual companion pass and more. Porter is one of Canada’s fastest-growing airlines and focuses on travellers who value convenience and comfort, including no middle seats.
Eligibility
Good (620 - 670)
Recommended Credit Score
$80,000
Required Annual Personal Income
$150,000
Required Annual Household Income
Pros
- Annual companion pass: Get an annual companion pass (typically requires $50,000 in spending) each year
- Instant elite status: Get complimentary VIPorter Avid Traveller Venture status, offering two free lounge passes
- No middle seats: Porter's aircraft use a 2-2 seating configuration, meaning you've got two seats on each side of the aisle and no one in between.
Cons
- Paid lounge access: The card offers lounge access but it costs USD$32 per visit (outside of the annual Porter lounge passes)
- Average insurance: The card offers solid travel insurance but other banks may provide greater coverage
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Fees
$199
Annual Fee
Rewards VIPorter Points
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Get up to $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend.* Plus no annual fee in your first year*.
Plus, enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
*Terms and Conditions Apply.
Our Take
The BMO VIPorter World Elite Mastercard is a premium travel credit card from Bank of Montreal (BMO) and Porter Airlines. The card features a huge welcome bonus, up to 3x on flights and a selection of great perks such as priority boarding, an annual companion pass and more. Porter is one of Canada’s fastest-growing airlines and focuses on travellers who value convenience and comfort, including no middle seats.
Eligibility
Good (620 - 670)
Recommended Credit Score
$80,000
Required Annual Personal Income
$150,000
Required Annual Household Income
Pros
- Annual companion pass: Get an annual companion pass (typically requires $50,000 in spending) each year
- Instant elite status: Get complimentary VIPorter Avid Traveller Venture status, offering two free lounge passes
- No middle seats: Porter's aircraft use a 2-2 seating configuration, meaning you've got two seats on each side of the aisle and no one in between.
Cons
- Paid lounge access: The card offers lounge access but it costs USD$32 per visit (outside of the annual Porter lounge passes)
- Average insurance: The card offers solid travel insurance but other banks may provide greater coverage
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Fees
$199
Annual Fee
Rewards VIPorter Points
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Get up to $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend.* Plus no annual fee in your first year*.
Plus, enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
*Terms and Conditions Apply.
The ultimate credit card for frequent Porter flyers and those seeking premium travel perks:
- First-year annual fee waiver: The $199 annual fee is completely waived for your first year, giving you time to experience all premium benefits before paying.
- Generous VIPorter points welcome bonus: New cardholders can earn up to 70,000 VIPorter points and a round-trip companion pass, plus no annual fee in your first year*, worth up to $2,400 value* in value during your first year.
- Superior earn rates for travelers: Collect 3 points for every $1 spent on Porter purchases* , 2 points for every $1 spent on gas, transportation, groceries, dining*, and hotel accommodations, and 1 point per $1 on everything else.
- Automatic VIPorter Avid Traveller Venture status: Enjoy immediate elite benefits including 6 points per dollar on Porter flights, dedicated check-in, priority security, early boarding, priority rebooking during delays, complimentary checked bag, and free PorterClassic seat selection.
- Annual companion pass: When spending $50,000+ annually, receive a round-trip companion voucher covering 100% of the base fare for an additional passenger flying on the same booking—a potential savings of hundreds of dollars.
- No blackout dates or seat restrictions: Redeem your points for any available seat on Porter flights with no blackout dates, plus access redemption opportunities with partner airlines including Air Transat and Alaska Airlines.
- Comprehensive travel insurance package: Includes trip cancellation/interruption coverage, travel medical insurance, and other protections typically reserved for premium travel cards.
- Income requirements: The card’s steep income requirements hold it back as it means it is inaccessible for many Canadians.
We recommend this card for frequent Porter flyers, travellers to Porter's growing North American network, and those who value immediate elite status benefits. While the annual fee is higher than some competitors’, the automatic elite status, companion pass, and generous welcome bonus deliver exceptional value for the right traveler.
Disclosures:
-
*Terms and conditions apply
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.
Why you need a gas rewards credit card in Canada
Gas credit cards allow you to save money at the pump and to earn rewards for making a purchase that you were already going to make. Since many of us have to commute to work on a daily basis, it only makes sense that we take advantage of our gas purchases to ensure that we get the most out of this.
With prices of everything in the economy going up, it’s more important than ever to find any savings you can. Some of the best Canadian gas credit cards will allow you to save a specific amount every time you’re at the pump, so you’re always saving money.
Pros and cons of gas cards
- Enhanced gas rewards: Gas credit cards can be a smart addition to your wallet if you're regularly filling up at the pumps
- Savings at the pump: Some gas cards offer direct savings at the pump, with discounts ranging from 3¢ to 10¢ per liter depending on the card
- Loyalty program integration: Some gas credit cards offer extra points or benefits when linked with gas loyalty programs like Petro-Points or Journie, essentially doubling your rewards opportunity
- Limitations: Some gas credit cards are tied to specific gas station brands, which might limit your flexibility if you prefer to shop around for the best gas prices
- Reward caps: Some cards limit how much cash back you can earn in bonus categories. Once you hit these spending thresholds, your rewards typically drop to a lower base rate
- Annual fees: Many premium gas reward cards come with annual fees (typically around $120), which can eat into your savings if you don't spend enough on gas to offset the cost
What's the best gas card by chain?
Each program has its unique features, and the best choice often depends on individual driving and shopping habits, as well as credit card usage. It's also worth noting that using apps like GasBuddy or Waze can help find the best fuel prices in your area, and filling up during specific times of the week can lead to additional savings
| Canadian gas station | Number of stations | Top gas card pick |
|---|---|---|
| Shell | 1,300+ | BMO AIR MILES®† MasterCard®* |
| Costco | 100+ | CIBC Costco Mastercard® |
| Petro-Canada | 1,500+ | RBC Avion Visa Infinite |
| Esso/Mobil | 2,200+ | PC® World Elite Mastercard® |
| Ultramar | 700+ | CIBC Dividend® Visa Infinite* |
| Canadian Tire Gas+ | 300+ | Canadian Tire Triangle® Mastercard® |
Should you get a gas card?
These credit cards will give you the most if you want more when paying at the pump. Whether it’s cash back or reward points, you’ll cover gas for every carpool, ride out with friends, or road trip and reap the benefits these cards have to offer. In a time when every penny counts, make each litre count as well by seeking out the best gas credit card for your situation.
Gas credit card FAQs
Cory Santos
Senior Reporter
Cory Santos is a finance writer, editor and credit card expert with nearly a decade of experience in personal finance. Cory joined Wise Publishing from BestCards, with bylines in numerous print and digital publications across North America, including the Miami Herald, BlogTO, Debt.ca, AOL, MSN and Medium as well as financial podcasts like KOFE Talk. He's also the creator and author of the annual Money.ca Credit Card Awards.
Aaron Broverman
Author
Aaron Broverman is a freelance writer based in Toronto. When he’s not writing about money for publications like Yahoo Canada and Money.ca, you’re likely to find his nose in a comic book. He likes comics so much, he hosts a podcast called Speech Bubble where he interviews those involved in the comic industry. You can follow him on Twitter: @broverman.
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