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Discover our selection of the best credit cards to maximize your savings on gas and transit. Enjoy exclusive benefits, cash back, and rewards tailored to your commuting needs.
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.
Here is a table summarizing the different offers. For more details, read on or click on the name of a card.
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:
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.
With this welcome offer for the Scotiabank Passport Visa Infinite Card, you get up to 60,000 bonus Scene+ points (a $600 value):
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, a value of $100.
With the Scotiabank Passport Visa Infinite Card, you earn 3 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
You’ll also earn 2 points for every dollar you spend, including on foreign purchases, in the following categories:
The Scotiabank Visa Infinite Passport is an excellent Visa credit card for this type of purchase.
These points can be used against any travel purchase at the rate of 1,000 points = $10 (flights, hotels, all-inclusives and even Airbnb). You can also redeem your points for cash back at Scene+, for example, at your local grocery store checkout at the same rate of 1,000 points = $10.
The Scotiabank Visa Infinite Passport also offers :
We have named this credit card the Best Credit Card with No Foreign Transaction Fees in 2024, 2025, and 2026.
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:
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.
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:
With the American Express Cobalt® Card, you can earn between 1 and 5 points per dollar:
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.
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:
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:
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:
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:
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.
With the RBC ION+ Visa Card, you can earn up to 21,000 Avion points as a welcome bonus:
With this RBC credit card, you can earn 3 Avion points per dollar for :
And 1 Avion point per dollar for all other purchases. Plus, save 3¢/L on gas at Petro-Canada and earn 20% more points when you pay with a linked RBC card
Finally, you get two years of Mobile Device Insurance up to $1,000 if your mobile device, such as your cell phone, is lost, stolen, accidentally damaged or experiences mechanical failure when you purchase your mobile device with the RBC ION+ Visa 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:
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*.
With the TD Cash Back Visa Infinite* Card, you earn 3% in Cash Back Dollars on:
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.
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:
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 :
With this Card, you get many benefits like:
You earn 2 points per dollar for travel purchases, and at:
And 1 point per dollar everywhere else.
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 supplementary cards. And you can earn 10% cash back on all purchases for the first three months (up to $2,000 in total purchases).
With the Scotia Momentum® VISA Infinite* card, you get:
For example, if you spend $1,000 per month on grocery purchases and/or recurring payments, you will earn $40 in cash back per month, or $480 per year, with this card, for this purchase category! And that’s not counting the other purchases you will 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 earn 4% cash back!
Also note that you can use your cash back at any time (the cash back balance must be at least $25).
The best credit cards for gas and transportation are:
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