- 4%Cash back on gas, EV charging, and groceries
- 2%Cash back on dining, transportation, and recurring bills
- 1%Cash back on all other purchases
Earn a 10% cash back welcome bonus of up to CA$250 for the first 4 statements on net purchases up to CA$3,000; A CA$50 cash back bonus for setting up one pre-authorized payment.
Earn 4% cash back on gas, EV charging, and groceries; 2% on dining, transportation, and recurring bills; 1% on everything else.
21.99%
22.99%
The CIBC Dividend Visa Infinite Card stands out as the top choice because it offers a robust 4% cash back on essential spending categories like gas and groceries, making it ideal for high spenders. With no limits on total cash back earned and a comprehensive insurance package, it provides exceptional value for those who can meet the income requirements.
Pros:
- No limits on total cash back earned
- Includes travel and purchase insurance
Cons:
- Annual fee of CA$120
- Income requirements may apply
2.SimplyCash Preferred Card from American Express
American Express
- 4%Cash back on eligible gas and groceries
- 2%Cash back on all other purchases
Earn 10% cash back on all purchases for the first 3 months (up to CA$2,000 in spending for CA$200 bonus), plus a CA$50 statement credit in the 13th month.
Earn 4% cash back on eligible gas and groceries; 2% on all other purchases.
21.99%
21.99%
What sets the SimplyCash Preferred Card apart is its straightforward cash back structure, offering 4% on gas and groceries with no cap on earnings. This card is particularly appealing for those who want to maximize their rewards on everyday spending without the hassle of complicated tier systems.
Pros:
- High cash back on everyday purchases
- No limit on cash back earnings
Cons:
- Monthly fee structure for non-Quebec residents
- Requires careful management to avoid penalties
3.TD Cash Back Visa Infinite Card
TD Canada Trust
- 3%Cash back on groceries, gas, EV charging, public transit, streaming, and recurring bills
- 1%Cash back on all other purchases
Earn up to CA$600 in value, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases.
Earn 3% cash back on groceries, gas, EV charging, public transit, streaming, and recurring bills; 1% on everything else.
21.99%
22.99%
The TD Cash Back Visa Infinite Card shines for its generous 3% cash back on a wide range of essential spending categories, making it a top contender for those who frequently spend on groceries and gas. With added benefits like free roadside assistance and Visa Infinite perks, it offers a premium experience for cardholders.
Pros:
- Strong earn rate on essential categories
- Includes Visa Infinite perks
Cons:
- Higher annual fee compared to other options
- Minimum income requirement to qualify
Final Words
As you consider the best gas credit cards in January 2026, remember that selecting the right card can maximize your rewards and savings. Take time to compare your options based on spending habits and benefits to make an informed decision that best fits your financial needs.
Frequently Asked Questions
The CIBC Dividend Visa Infinite Card offers a welcome bonus of Earn a 10% cash back welcome bonus of up to CA$250 for the first 4 statements on net purchases up to CA$3,000; A CA$50 cash back bonus for setting up one pre-authorized payment. You can earn 4% cash back on gas, EV charging, and groceries; 2% on dining, transportation, and recurring bills; and 1% on everything else.
With the SimplyCash Preferred Card from American Express, you can earn a welcome bonus of Earn 10% cash back on all purchases for the first 3 months (up to CA$2,000 in spending for CA$200 bonus), plus a CA$50 statement credit in the 13th month. The card offers 4% cash back on eligible gas and groceries, and 2% on all other purchases.
The TD Cash Back Visa Infinite Card provides a welcome bonus of Earn up to CA$600 in value, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases. You earn 3% cash back on groceries, gas, EV charging, public transit, streaming, and recurring bills; and 1% on everything else.
Yes, many gas credit cards come with annual fees, which typically range from CA$120 to CA$139. It's essential to evaluate your spending on gas and groceries to determine if the rewards outweigh the cost of the annual fee.
To choose the best gas credit card, consider factors such as annual fees, reward rates on gas purchases, welcome bonuses, and additional benefits like travel insurance or purchase protection. Compare different cards based on your spending habits to find the option that offers the most value.
When applying for a gas credit card, ensure you meet the income requirements and have a good credit score. Review the terms and conditions, including fees and rewards structure, to ensure it suits your financial needs.
Many gas credit cards offer additional benefits such as travel insurance, purchase protection, and discounts at specific gas stations. These features can enhance the overall value of the card beyond just cash back rewards.
