- 4%Cash back on gas, electric vehicle charging, and groceries
- 2%Cash back on restaurants, transportation, and recurring bill payments
Earn a 10% cash back welcome bonus of up to $200 for the first 4 statements on net purchases up to $2,000; A $50 cash back bonus for setting up one pre-authorized payment within the first 4 months.
Earn 4% cash back on eligible gas, electric vehicle charging and groceries; 2% cash back on restaurants, transportation, and recurring bill payments.
The CIBC Dividend Visa Infinite Card stands out as the top choice because it offers a robust cash back structure, particularly excelling in categories like gas and groceries, making it ideal for everyday spending.
Pros:
- High cash back on gas and groceries
- Welcome bonus for new cardholders
Cons:
- Annual fee of CA$120
- Cash back may vary based on spending categories
2.Scotiabank Gold American Express Card
Scotiabank
- 6%Scene+ points on groceries
- 5%Scene+ points on dining
- 1%Scene+ points on all other purchases
Earn up to 50,000 bonus Scene+ points, valued at up to CA$500, available for accounts opened by November 1, 2026.
Earn 6 Scene+ points per $1 spent on groceries, 5 Scene+ points per $1 spent on dining, and 1 Scene+ point on all other purchases.
What sets this card apart is its exceptional earning potential on groceries and dining, making it a favorite among food lovers and frequent diners.
Pros:
- High rewards on groceries and dining
- No foreign transaction fees
Cons:
- Annual fee of CA$120
- Limited acceptance compared to Visa or Mastercard
3.TD Cash Back Visa Infinite Card
TD Canada Trust
- 3%Cash back on grocery, gas, electric vehicle charging, public transit, recurring bill payments, and streaming
- 1%Cash back on all other purchases
Earn up to CA$600 in total value, which includes 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of CA$3,500.
Earn 3% cash back on grocery, gas, electric vehicle charging, public transit, recurring bill payments, and streaming; 1% on all other purchases.
This card shines for its high cash back rates on essential spending categories, making it a strong contender for those who prioritize everyday rewards.
Pros:
- High cash back on everyday spending categories
- Welcome bonus for new cardholders
Cons:
- Annual fee of CA$139
- Cash back may be capped annually
4.American Express Cobalt Card
American Express
- 5%Points on eligible eats & drinks
- 3%Points on eligible streaming subscriptions
- 1%Points on all other purchases
Earn up to 15,000 Membership Rewards points during your first year.
Earn 5 points for every CA$1 spent on eligible eats & drinks, 3 points on eligible streaming subscriptions, and 1 point on all other purchases.
A key differentiator is its focus on dining and food-related rewards, making it an excellent choice for foodies and those who frequently dine out.
Pros:
- High rewards on dining and food-related purchases
- Flexible redemption options
Cons:
- Monthly fee can add up
- Annual fee is higher than many competitors
5.Tangerine Money-Back Credit Card
Tangerine
- 2%Cash back in customizable categories
- 0.5%Cash back on all other purchases
Earn an extra 10% cash back on everyday purchases in your first 2 months, up to a maximum of CA$100.
Earn unlimited 2% cash back in up to three customizable categories of your choice, and 0.5% cash back on everything else.
This card excels in flexibility, allowing users to choose their preferred cash back categories, making it a great option for those who want to tailor their rewards.
Pros:
- No annual fee
- Customizable cash back categories
Cons:
- Lower cash back rate on non-customizable categories
- Limited to three categories
6.Neo World Elite Mastercard
Neo Financial
- 5%Cash back on groceries
- 4%Cash back on recurring payments
- 3%Cash back on gas
- 2%Cash back on all other purchases
Earn a welcome bonus of CA$100 in cash back after you spend CA$1,500 in eligible purchases within your first 3 months.
Earn 5% back on groceries, 4% on recurring payments, and 3% on gas; 2% on every other purchase.
The standout feature here is its customizable cashback or travel reward plans, allowing cardholders to choose the structure that best fits their spending habits.
Pros:
- High cash back on essential spending
- Customizable reward plans
Cons:
- Annual fee of CA$149
- Income requirements may limit eligibility
7.PC Insiders World Elite Mastercard
PC Financial
- 40%Points at Loblaw banner stores
- 50%Points at Shoppers Drug Mart
- 10%Points on all other purchases
Earn 50,000 PC Optimum points when you spend CA$100 or more in total qualifying purchases within 60 days of account approval.
Earn 40 points per CA$1 at Loblaw banner stores, 50 points per CA$1 at Shoppers Drug Mart, and 10 points per CA$1 on all other purchases.
This card is particularly beneficial for frequent shoppers at Loblaw stores, offering enhanced earning rates that can lead to significant rewards over time.
Pros:
- High points earning on groceries
- Annual fee waived for the first year
Cons:
- Annual fee of CA$120
- Limited to specific stores for maximum rewards
Final Words
As you explore the best gas credit cards this September, remember that choosing the right card can significantly enhance your savings and rewards. Take time to compare your options to ensure you make an informed decision that aligns with your spending habits and financial goals.
Frequently Asked Questions
Earn a 10% cash back welcome bonus of up to $200 for the first 4 statements on net purchases up to $2,000; A $50 cash back bonus for setting up one pre-authorized payment within the first 4 months.
Earn 6 Scene+ points per $1 spent on groceries, 5 Scene+ points per $1 spent on dining, and 1 Scene+ point on all other purchases.
Earn 3% cash back on grocery, gas, electric vehicle charging, public transit, recurring bill payments, and streaming; 1% on all other purchases.
Yes, most gas credit cards come with annual fees that can range from CA$120 to CA$139. It's important to evaluate whether the rewards earned will offset the fee based on your spending habits.
Consider factors like the cash back rates on gas, any annual fees, and additional rewards for other spending categories. Look for cards that align with your regular spending habits to maximize your benefits.
Eligibility often includes being at least 18 years old, having a valid Canadian address, and meeting a minimum income requirement. Additionally, a good credit score is usually necessary to qualify for premium cards.
Yes, the CIBC Dividend Visa Infinite Card and TD Cash Back Visa Infinite Card both offer cash back on electric vehicle charging, with 4% and 3% cash back rates respectively.
