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Canada · October 2026

Best gas credit cards in Canada

Cards ranked by estimated net value on $2,400 a year of gas spending (rewards earned minus the annual fee). All amounts are in Canadian dollars.

164 gas cards ranked

  1. #1

    CIBC Costco Mastercard CIBC

    Net $72/yr

    Earn 3% cash back at restaurants and Costco gas, 2% at other gas stations, EV charging and Costco.ca, and 1% on everything else, with no cap.

    Earn: base 1% · gas 3% · dining 3%

    Annual fee
    $0 (Requires Costco membership)
    Est. net value / yr
    $72
    Foreign transaction fee
    2.5%
  2. #2

    RBC ION+ Visa RBC Royal Bank

    Net $53/yr

    Earn Avion points: 3 per $1 on groceries, gas, dining, food delivery, rideshare, streaming and more, 1 per $1 on other purchases.

    Earn: base 1 pts · groceries 3 pts · gas 3 pts · dining 3 pts

    Annual fee
    $48 (Annual fee rebated for students/age 24 and under with RBC Advantage Banking for Students; additional card $0)
    Est. net value / yr
    $53
    Welcome offer
    Up to 28,000 Avion points: 7,000 on approval, 14,000 when you spend $1,500 in first 6 months, 7,000 anniversary bonus. Apply by Nov 4, 2026
    Purchase rate
    20.99%
    Foreign transaction fee
    2.5%
  3. #3

    CIBC Aeroplan Visa Card CIBC

    Net $51/yr

    Earn 1 Aeroplan point per $1 on Air Canada, gas, EV charging, groceries and all other purchases; earn points twice at Aeroplan partners.

    Earn: base 1 pts · groceries 1 pts · gas 1 pts · travel 1 pts

    Annual fee
    $0
    Est. net value / yr
    $51
    Welcome offer
    Up to 10,000 Aeroplan points: 2,500 on first purchase, 2,500 at $1,500 in 4 statements, 5,000 anniversary bonus at $10,000 in 12 statements
    Foreign transaction fee
    2.5%
  4. Earn 1 Aeroplan point per $1 on Air Canada, gas, EV charging, groceries and all other purchases.

    Earn: base 1 pts · groceries 1 pts · gas 1 pts · travel 1 pts

    Annual fee
    $0
    Est. net value / yr
    $51
    Welcome offer
    Up to 10,000 Aeroplan points: 2,500 on first purchase, 2,500 at $1,500 in 4 statements, 5,000 anniversary bonus at $10,000 in 12 statements
    Foreign transaction fee
    2.5%
  5. #5

    RBC ION Visa RBC Royal Bank

    Net $50/yr

    Earn Avion points: 1.5 per $1 on groceries, gas, rideshare, streaming and more, 1 per $1 on other purchases.

    Earn: base 1 pts · groceries 1.5 pts · gas 1.5 pts

    Annual fee
    $0 (Additional card $0)
    Est. net value / yr
    $50
    Welcome offer
    Up to 14,000 Avion points: 7,000 on approval plus 7,000 when you spend $500 in first 3 months. Apply by Nov 4, 2026
    Purchase rate
    20.99%
    Foreign transaction fee
    2.5%
  6. No-fee cash back card: 5% on gas and groceries for the first 6 months, then 2% (on up to $500 a month), and 0.5% on everything else.

    Earn: base 0.5% · groceries 2% · gas 2% · everyday 0.5%

    Annual fee
    $0 (Up to 9 authorized users with no additional fee)
    Est. net value / yr
    $48
    Welcome offer
    5% cash back on gas and groceries for first 6 months (up to $500 monthly)
    Purchase rate
    21.99%
    Balance transfers
    22.99%
    Foreign transaction fee
    Not stated
  7. #7

    Neo World Mastercard - Gas & Grocery Neo Financial

    Net $48/yr

    No-fee World Mastercard earning 2% cashback on groceries, recurring bill payments, and gas and EV charging, and 0.5% on everything else.

    Earn: base 0.5% · groceries 2% · gas 2% · everyday 0.5%

    Annual fee
    $0 (No annual fee)
    Est. net value / yr
    $48
    Purchase rate
    19.99%-29.99% (Quebec 19.99%-24.50%)
    Foreign transaction fee
    3%
  8. #8

    Scotiabank American Express Card Scotiabank

    Net $48/yr

    Earn 3 Scene+ points per $1 at Sobeys-type grocers, 2 on dining, other groceries, entertainment, gas, transit and streaming, and 1 on everything else.

    Earn: base 1 pts · groceries 3 pts · gas 2 pts · dining 2 pts · travel 1 pts

    Annual fee
    $0 (Supplementary cards $0)
    Est. net value / yr
    $48
    Welcome offer
    Up to 10,000 bonus Scene+ points: 2,500 at $250 and 7,500 more at $1,000 spend in first 3 months. Open account May 1 to Nov 1, 2026
    Purchase rate
    21.99%
    Foreign transaction fee
    2.5%
  9. Earn 3 Scene+ points per $1 at Sobeys-type grocers, 2 on dining, other groceries, entertainment, gas, transit and streaming, and 1 on everything else.

    Earn: base 1 pts · groceries 3 pts · gas 2 pts · dining 2 pts · travel 1 pts

    Annual fee
    $0 (Supplementary cards $0)
    Est. net value / yr
    $48
    Welcome offer
    Up to 10,000 bonus Scene+ points: 2,500 at $250 and 7,500 more at $1,000 spend in first 3 months. Open account May 1 to Nov 1, 2026
    Purchase rate
    21.99%
    Foreign transaction fee
    2.5%
  10. #10

    SimplyCash Card from American Express American Express Canada

    Net $48/yr

    No-fee cash back card: 2% on gas and on groceries in Canada (grocery capped at $300 cash back a year) and 1.25% on everything else.

    Earn: base 1.25% · groceries 2% · gas 2% · everyday 1.25%

    Annual fee
    $0 (No annual fee; no fee for Additional Cards)
    Est. net value / yr
    $48
    Welcome offer
    Up to $100 bonus cash back (extra 5% on up to $2,000 purchases in first 3 months)
    Purchase rate
    21.99%
    Foreign transaction fee
    Not stated
  11. #11

    moi RBC Visa RBC Royal Bank

    Net $38/yr

    Earn Moi points: 1 per $1 everywhere, 2 per $1 on dining, gas and EV charging, and 2 per $1 at participating Metro, Brunet, Premiere Moisson (Quebec) and Jean Coutu stores when the Moi card is swiped.

    Earn: base 1 pts · groceries 2 pts · gas 2 pts · dining 2 pts

    Annual fee
    $0 (Additional card $0)
    Est. net value / yr
    $38
    Welcome offer
    Up to 5,000 bonus Moi points: 3,000 welcome points on first purchase plus 2,000 when you spend $500 in first 3 months. Apply by Jan 20, 2027
    Purchase rate
    20.99%
    Foreign transaction fee
    Not stated
  12. #12

    Rogers Red World Elite Mastercard Rogers Bank

    Net $36/yr

    No-fee card earning 3% cash back on U.S. dollar purchases and 2% on all other eligible purchases with an eligible Rogers service (1.5% without), plus travel insurance and lounge access via Mastercard Travel Pass.

    Earn: base 1.5% · everyday 2%

    Annual fee
    $0 ($0 authorized users)
    Est. net value / yr
    $36
    Purchase rate
    21.99%-25.99%
    Balance transfers
    22.99%-27.99%
    Foreign transaction fee
    2.5%
  13. #13

    Simplii Financial Cash Back Visa Card Simplii Financial

    Net $36/yr

    Earn 4% cash back at restaurants, bars and coffee shops, 1.5% on gas, groceries, drugstores and pre-authorized payments, and 0.5% on everything else, credited annually in January.

    Earn: base 0.5% · groceries 1.5% · gas 1.5% · dining 4%

    Annual fee
    $0 (No annual fee for primary and up to 3 additional cards)
    Est. net value / yr
    $36
    Welcome offer
    Up to $100 cash back (up to 20%) in first 3 months on up to $500 of eligible gas, grocery, drugstore and pre-authorized spend
    Purchase rate
    21.99%
    Foreign transaction fee
    2.5%
  14. #14

    RBC U.S. Dollar Visa Gold RBC Royal Bank

    Net $34/yr

    Charged in U.S. dollars to avoid daily currency fluctuations, earning 1 Avion point per US$1 on qualifying purchases.

    Earn: base 1 pts

    Est. net value / yr
    $34
    Purchase rate
    20.99%
    Foreign transaction fee
    Not stated
  15. #15

    CIBC Aventura Visa Card CIBC

    Net $31/yr

    Earn 1 Aventura point per $1 on travel through the CIBC Rewards Centre, gas, EV charging, groceries and drugstores, and on all purchases (no tiered bonus).

    Earn: base 1 pts · groceries 1 pts · gas 1 pts · travel 1 pts

    Annual fee
    $0
    Est. net value / yr
    $31
    Welcome offer
    Earn up to 12,500 Aventura points: 2,500 for five activities within 60 days plus 10,000 at $1,000 spend in first 4 statements
    Foreign transaction fee
    2.5%
  16. Earn 1 Aventura point per $1 on travel via the CIBC Rewards Centre, gas, EV charging, groceries and drugstores, and on all purchases.

    Earn: base 1 pts · groceries 1 pts · gas 1 pts · travel 1 pts

    Annual fee
    $0
    Est. net value / yr
    $31
    Welcome offer
    Up to 12,500 Aventura points: 2,500 for five activities within 60 days plus 10,000 at $1,000 spend in first 4 statements
    Foreign transaction fee
    2.5%
  17. #17

    More Rewards RBC Visa Infinite RBC Royal Bank

    Net $29/yr

    Earn More Rewards points: 8 per $1 at 700+ partner locations and on gas, EV charging and dining, 4 per $1 on everything else.

    Earn: base 4 pts · groceries 8 pts · gas 8 pts · dining 8 pts

    Annual fee
    $0 (Additional card $0)
    Est. net value / yr
    $29
    Welcome offer
    Up to 20,000 bonus More Rewards points (value $30 in groceries)
    Purchase rate
    20.99%
    Foreign transaction fee
    2.5%
  18. #18

    American Express Green Card American Express Canada

    Net $28/yr

    No-fee card earning 1 Membership Rewards point per $1 on everyday purchases, plus 1 extra point on Amex Travel Online hotel and car bookings.

    Earn: base 1 pts · everyday 1 pts

    Annual fee
    $0 (No annual fee; no fee for Additional Cards)
    Est. net value / yr
    $28
    Welcome offer
    10,000 Membership Rewards points after $1,000 in the first 3 months
    Purchase rate
    21.99%
    Foreign transaction fee
    Not stated
  19. #19

    Affinity World Elite Mastercard Affinity Credit Union

    Net $24/yr

    Premium card earning 10 points per $1 on the first $3,000 of monthly spend, up to 30 points per $1 at higher tiers, plus monthly bonus points.

    Earn: base 10 pts · everyday 10 pts

    Est. net value / yr
    $24
    Welcome offer
    150,000 points ($150 value) welcome offer
    Purchase rate
    20.99%
    Balance transfers
    12.99%
    Foreign transaction fee
    Not stated
  20. #20

    Allure Mastercard National Bank of Canada

    Net $24/yr

    Earn up to 1% cashback on gas, groceries and online purchases while supporting the Quebec Breast Cancer Foundation.

    Earn: groceries 1% · gas 1%

    Annual fee
    $0
    Est. net value / yr
    $24
    Purchase rate
    20.99%
    Balance transfers
    22.49%
    Foreign transaction fee
    2.5%
  21. #21

    Alterna Cash Back Visa Card Alterna Savings (Collabria Visa)

    Net $24/yr

    No-fee card earning 1 point per $1 (1%) on grocery, gas, sustainable transit, select recurring bills and digital streaming, and 0.5 points per $1 on all other purchases, redeemable as account credit.

    Earn: base 0.5% · groceries 1% · gas 1% · everyday 0.5%

    Annual fee
    $0 (No annual fee)
    Est. net value / yr
    $24
    Purchase rate
    20.99% fixed
    Balance transfers
    0% for 9 months on balance transfers (terms apply)
    Foreign transaction fee
    2.5%
  22. #22

    Amazon.ca Rewards Mastercard MBNA Canada

    Net $24/yr

    Earns 2.5% back at Amazon.ca and Whole Foods Market for eligible Prime members (1.5% for non-Prime) and 1% everywhere else.

    Earn: base 1% · everyday 1%

    Annual fee
    $0 (No annual fee)
    Est. net value / yr
    $24
    Welcome offer
    5% back at Amazon.ca, Whole Foods Market, grocery stores and restaurants for first 6 months on first $3,000
    Purchase rate
    21.74%
    Balance transfers
    22.99%
    Foreign transaction fee
    2.5%
  23. #23

    CIBC Dividend Visa Card CIBC

    Net $24/yr

    Earn 2% cash back on groceries, 1% on gas, EV charging, transportation, dining and recurring payments, and 0.5% on everything else.

    Earn: base 0.5% · groceries 2% · gas 1% · dining 1%

    Annual fee
    $0
    Est. net value / yr
    $24
    Foreign transaction fee
    2.5%
  24. Earn 2% cash back on groceries, 1% on gas, EV charging, transportation, recurring payments and Expedia travel, and 0.5% on everything else.

    Earn: base 0.5% · groceries 2% · gas 1%

    Annual fee
    $0
    Est. net value / yr
    $24
    Welcome offer
    Up to $125 cash back: $25 after first purchase plus 10% bonus up to $100 on first $1,000 in 4 statements
    Foreign transaction fee
    2.5%
  25. #25

    Coast Capital Cash Back Mastercard Coast Capital Savings

    Net $24/yr

    No-fee card earning 1 point per $1 on groceries, gas, sustainable transit, select recurring bills and digital streaming ($5,000 annual cap per group), and 0.5 points per $1 on everything else.

    Earn: base 0.5% · groceries 1% · gas 1% · everyday 0.5%

    Annual fee
    $0 (No annual fee)
    Est. net value / yr
    $24
    Welcome offer
    $100 statement credit for new members
    Purchase rate
    20.99%
    Foreign transaction fee
    2.5%
  26. #26

    Conexus Cash Back Mastercard Conexus Credit Union (Collabria Mastercard)

    Net $24/yr

    No-fee card earning 1 point per $1 (1%) on grocery, gas, sustainable transit, select recurring bills and digital streaming, and 0.5 points per $1 on all other purchases, redeemable as account credit.

    Earn: base 0.5% · groceries 1% · gas 1% · everyday 0.5%

    Annual fee
    $0 (No annual fee)
    Est. net value / yr
    $24
    Purchase rate
    20.99% fixed
    Foreign transaction fee
    2.5%
  27. #27

    Libro Cash Back Visa Card Libro Credit Union (Collabria Visa)

    Net $24/yr

    No-fee card earning 1 point per $1 (1%) on grocery, gas, sustainable transit, select recurring bills and digital streaming, and 0.5 points per $1 on all other purchases, redeemable as account credit.

    Earn: base 0.5% · groceries 1% · gas 1% · everyday 0.5%

    Annual fee
    $0 (No annual fee)
    Est. net value / yr
    $24
    Purchase rate
    20.99% fixed
    Balance transfers
    0% for 9 months on balance transfers (terms apply)
    Foreign transaction fee
    2.5%
  28. #28

    MBNA Rewards Platinum Plus Mastercard MBNA Canada

    Net $24/yr

    Earns 4 MBNA Rewards points per $1 on restaurant, grocery, digital media, membership and household utility purchases (first 90 days; 2 points thereafter) and 1 point on everything else.

    Earn: base 1 pts · groceries 2 pts · dining 2 pts · everyday 1 pts

    Annual fee
    $0 (No annual fee)
    Est. net value / yr
    $24
    Welcome offer
    5,000 bonus points after $500 in eligible purchases within 90 days, plus 5,000 points for enrolling in paperless e-statements within 90 days
    Purchase rate
    21.99%
    Balance transfers
    22.99%
    Foreign transaction fee
    Not stated
  29. #29

    Meridian Visa Cash Back Card Meridian Credit Union

    Net $24/yr

    No-fee card earning 1% on gas and groceries, 1% on pharmacy and utility bills and 0.5% on other purchases as reward points redeemable for cash back.

    Earn: base 0.5% · groceries 1% · gas 1% · everyday 0.5%

    Annual fee
    $0 (Additional cards $0)
    Est. net value / yr
    $24
    Purchase rate
    19.50%
    Foreign transaction fee
    2.5%
  30. #30

    Meridian Visa US Dollar Card Meridian Credit Union

    Net $24/yr

    US-dollar-denominated Visa earning 1 reward point per US$1 on all purchases, with no purchase restrictions.

    Earn: base 1 pts · everyday 1 pts

    Est. net value / yr
    $24
    Purchase rate
    19.50%
    Foreign transaction fee
    2.5%
  31. #31

    Neo World Mastercard - Everywhere Neo Financial

    Net $24/yr

    No-fee World Mastercard earning a flat 1% cashback on all purchases.

    Earn: base 1% · everyday 1%

    Annual fee
    $0 (No annual fee)
    Est. net value / yr
    $24
    Purchase rate
    19.99%-29.99% (Quebec 19.99%-24.50%)
    Foreign transaction fee
    3%
  32. #32

    PC Mastercard PC Financial

    Net $24/yr

    No-fee card earning 1% back in PC Optimum points at grocery stores and everywhere else, 2.5% at Shoppers Drug Mart and at least 3 cents per litre at Esso and Mobil.

    Earn: base 1% · groceries 1% · dining 1% · everyday 1%

    Annual fee
    $0 (No annual fee; additional cardholders free)
    Est. net value / yr
    $24
    Welcome offer
    Enjoy 50,000 bonus PC Optimum points on application
    Purchase rate
    21.99%
    Foreign transaction fee
    2.5%
  33. #33

    PC World Elite Mastercard PC Financial

    Net $24/yr

    Highest-earning no-fee PC card: 3% back in PC Optimum points at grocery stores and Joe Fresh, 4.5% at Shoppers Drug Mart, at least 3 cents per litre at Esso/Mobil, 1% elsewhere, with built-in insurance.

    Earn: base 1% · groceries 3% · dining 1% · everyday 1%

    Annual fee
    $0 (No annual fee; additional cardholders free)
    Est. net value / yr
    $24
    Welcome offer
    Enjoy 50,000 bonus PC Optimum points on application
    Purchase rate
    21.99%
    Foreign transaction fee
    2.5%
  34. #34

    PC World Mastercard PC Financial

    Net $24/yr

    No-fee card earning 2% back in PC Optimum points at grocery stores and Joe Fresh, 3.5% at Shoppers Drug Mart and at least 3 cents per litre at Esso and Mobil; 1% elsewhere.

    Earn: base 1% · groceries 2% · dining 1% · everyday 1%

    Annual fee
    $0 (No annual fee; additional cardholders free)
    Est. net value / yr
    $24
    Welcome offer
    Enjoy 50,000 bonus PC Optimum points on application
    Purchase rate
    21.99%
    Foreign transaction fee
    2.5%
  35. #35

    RBC Cash Back Mastercard RBC Royal Bank

    Net $24/yr

    Unlimited cash back: 2% on groceries, 1% on gas, EV charging, rideshare and transit, 0.5% on everything else.

    Earn: base 0.5% · groceries 2% · gas 1%

    Annual fee
    $0 (Additional card $0)
    Est. net value / yr
    $24
    Welcome offer
    5% extra cash back on first $2,000 spend for 6 months. Apply by Feb 2, 2027
    Purchase rate
    21.99%
    Foreign transaction fee
    2.5%
  36. #36

    Rogers Red Mastercard Rogers Bank

    Net $24/yr

    Earns 2% cash back on all eligible purchases if you hold an eligible Rogers, Fido, Shaw or Comwave service, otherwise 1%; always 2% on U.S. dollar purchases. Cash back redeems at 1.5x on eligible Rogers purchases (until Nov 18, 2026).

    Earn: base 1% · everyday 2%

    Annual fee
    $0 ($0 authorized users)
    Est. net value / yr
    $24
    Purchase rate
    21.99%-25.99%
    Balance transfers
    22.99%-27.99%
    Foreign transaction fee
    2.5%
  37. #37

    Rogers Red World Mastercard Rogers Bank

    Net $24/yr

    Earns 2% cash back on all eligible purchases with an eligible Rogers, Fido, Shaw or Comwave service, otherwise 1%; 2% on U.S. dollar purchases.

    Earn: base 1% · everyday 2%

    Annual fee
    $0 ($0 authorized users)
    Est. net value / yr
    $24
    Purchase rate
    21.99%-25.99%
    Balance transfers
    22.99%-27.99%
    Foreign transaction fee
    2.5%
  38. #38

    Scotia Momentum Mastercard Scotiabank

    Net $24/yr

    Earn 1% cash back on gas, groceries, drugstores and recurring bills, and 0.5% on all other purchases.

    Earn: base 0.5% · groceries 1% · gas 1%

    Annual fee
    $0
    Est. net value / yr
    $24
    Welcome offer
    7.99% introductory rate on purchases for first 6 months (20.99% after)
    Purchase rate
    20.99% (7.99% for first 6 months)
    Foreign transaction fee
    2.5%
  39. #39

    Scotia Momentum No-Fee Visa Card Scotiabank

    Net $24/yr

    Earn 1% cash back on groceries, drugstores, gas, EV charging, transit, recurring bills and subscriptions, and 0.5% on everything else.

    Earn: base 0.5% · groceries 1% · gas 1%

    Annual fee
    $0 (Supplementary cards $0)
    Est. net value / yr
    $24
    Purchase rate
    20.99%
    Foreign transaction fee
    2.5%
  40. Earn 1% cash back on groceries, drugstores, gas, EV charging, transit, recurring bills and subscriptions, and 0.5% on everything else.

    Earn: base 0.5% · groceries 1% · gas 1%

    Annual fee
    $0 (Supplementary cards $0)
    Est. net value / yr
    $24
    Purchase rate
    20.99%
    Foreign transaction fee
    2.5%
  41. #41

    Scotiabank Scene+ Visa Card Scotiabank

    Net $24/yr

    Earn 1 Scene+ point per $1 on all purchases, 2 points at Sobeys/Safeway/IGA-type grocers, Home Hardware and Cineplex, and 1 point on eligible travel (plus 3 extra on Expedia bookings).

    Earn: base 1 pts · groceries 2 pts · travel 1 pts

    Annual fee
    $0 (Supplementary cards $0)
    Est. net value / yr
    $24
    Welcome offer
    Up to 5,000 bonus Scene+ points: 2,500 at $250 and 2,500 more at $1,000 spend in first 3 months. Open account Jul 2 to Nov 1, 2026
    Purchase rate
    21.99%
    Foreign transaction fee
    2.5%
  42. Earn 1 Scene+ point per $1 on all purchases, 2 points at Sobeys/Safeway/IGA-type grocers, Home Hardware and Cineplex, and 1 point on eligible travel (plus 3 extra on Expedia bookings).

    Earn: base 1 pts · groceries 2 pts · travel 1 pts

    Annual fee
    $0 (Supplementary cards $0)
    Est. net value / yr
    $24
    Welcome offer
    Up to 5,000 bonus Scene+ points: 2,500 at $250 and 2,500 more at $1,000 spend in first 3 months. Open account Jul 2 to Nov 1, 2026
    Purchase rate
    21.99%
    Foreign transaction fee
    2.5%
  43. #43

    SCU Collabria Cash Back Mastercard Steinbach Credit Union (Collabria)

    Net $24/yr

    No-fee card earning 1 point per $1 (1%) on grocery, gas, sustainable transit, select recurring bills and digital streaming, and 0.5 points per $1 on all other purchases, redeemable as account credit.

    Earn: base 0.5% · groceries 1% · gas 1% · everyday 0.5%

    Annual fee
    $0 (No annual fee)
    Est. net value / yr
    $24
    Purchase rate
    20.99% fixed
    Foreign transaction fee
    2.5%
  44. #44

    TD Cash Back Visa Card TD Canada Trust

    Net $24/yr

    Earn 1% Cash Back Dollars on groceries, gas and EV charging, transit, recurring bills and streaming, and 0.5% on all other purchases.

    Earn: base 0.5% · groceries 1% · gas 1%

    Annual fee
    $0 (Additional cardholders $0)
    Est. net value / yr
    $24
    Purchase rate
    21.99%
    Foreign transaction fee
    Not stated
  45. #45

    Triangle World Elite Mastercard Canadian Tire Bank (Triangle)

    Net $24/yr

    No-fee World Elite card earning 4% back in CT Money at Canadian Tire and partner stores, 7 cents per litre on premium fuel (5 cents other), 3% at grocery stores and 1% elsewhere.

    Earn: base 1% · groceries 3% · everyday 1%

    Annual fee
    $0 (No annual fee)
    Est. net value / yr
    $24
    Purchase rate
    25.99% (21.99% for Quebec residents)
    Foreign transaction fee
    2.5%
  46. #46

    Walmart Rewards Mastercard Walmart Rewards (Fairstone Bank of Canada)

    Net $24/yr

    No-fee card earning 3% in Walmart Reward Dollars at Walmart stores and Walmart.ca and 1% everywhere else, with 3 free months of Walmart+ each year.

    Earn: base 1% · everyday 1%

    Annual fee
    $0 (No annual fee)
    Est. net value / yr
    $24
    Welcome offer
    $25 Walmart Reward Dollars after a single purchase of $75+ at Walmart within first 30 days
    Purchase rate
    21.99%
    Foreign transaction fee
    2.5%
  47. #47

    Walmart Rewards World Mastercard Walmart Rewards (Fairstone Bank of Canada)

    Net $24/yr

    No-fee World card earning 3% in Walmart Reward Dollars at Walmart and 1% elsewhere, with 6 free months of Walmart+ each year plus purchase assurance and extended warranty.

    Earn: base 1% · everyday 1%

    Annual fee
    $0 (No annual fee)
    Est. net value / yr
    $24
    Welcome offer
    $25 Walmart Reward Dollars after a single purchase of $75+ at Walmart within first 30 days
    Purchase rate
    21.99%
    Foreign transaction fee
    2.5%
  48. #48

    CIBC Adapta Mastercard CIBC

    Net $20/yr

    Earns 1.5 Adapta points per $1 in your top three spend categories each month, 2 points per $1 on travel via CIBC by Expedia, and 1 point per $1 on everything else.

    Earn: base 1 pts · travel 2 pts

    Annual fee
    $0
    Est. net value / yr
    $20
    Welcome offer
    Join and earn up to $200 in value; includes 3,000 Adapta points at $1,000 spend in first 4 statements and roadside assistance membership
    Foreign transaction fee
    2.5%
  49. Earns 1.5 Adapta points per $1 in your top three spend categories each month, 2 points on travel via CIBC by Expedia, and 1 point per $1 on everything else.

    Earn: base 1 pts · travel 2 pts

    Annual fee
    $0
    Est. net value / yr
    $20
    Welcome offer
    Join and earn up to $280 in value with no annual fee
    Foreign transaction fee
    2.5%
  50. #50

    More Rewards RBC Visa RBC Royal Bank

    Net $18/yr

    Earn More Rewards points: 5 per $1 at 700+ partner locations and on gas, EV charging and dining, 3 per $1 on everything else.

    Earn: base 3 pts · groceries 5 pts · gas 5 pts · dining 5 pts

    Annual fee
    $0 (Additional card $0)
    Est. net value / yr
    $18
    Welcome offer
    Up to 20,000 bonus More Rewards points (value $30 in groceries); 20,000 welcome points on first purchase
    Purchase rate
    20.99%
    Foreign transaction fee
    2.5%

Showing the top 50 of 164.

Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.

How these cards are ranked

Rankings are by the numbers only: no issuer can pay to be listed, left out or ranked higher. For rewards cards we estimate net annual value in Canadian dollars: rewards earned on a reference household budget of $30,000 a year ($8,400 groceries, $3,600 dining, $2,400 gas, $3,600 travel, $12,000 everything else) at the earn rate the issuer states for each category, with points valued at the cents-per-point on our Canadian point values page, minus the annual fee. Welcome bonuses are shown separately and not counted. A card whose issuer page does not state an earn rate is not given a value. Every figure was read on the issuer’s own website; see our Canada methodology.

Frequently asked questions

Which is the best gas credit card in Canada?

By our ranking rule, CIBC Costco Mastercard from CIBC currently ranks first. The right card depends on your own spending, so check the issuer’s terms before applying.

How do you calculate the ranking?

We estimate rewards on a reference budget of $30,000 a year, value points at the cents per point on our Canadian point values page, and subtract the annual fee. Welcome bonuses are not included.

Are these cards available in Quebec?

Availability can differ by province. Each card page shows whether the issuer states that it is offered in Quebec; where the issuer does not say, we show “not stated”.

Do I need a minimum income?

Many rewards cards state a minimum personal or household income. Each card shows the figure the issuer states, or “not stated”.

More Canadian card guides