The honest version: fuel rewards are worth $60–$120 a year for most drivers — so the right card is the one whose gas rate rides along with great grocery and bill math, and whose category explicitly includes EV charging as the pumps give way to plugs.
Verified at the issuer · June 12, 2026
CIBC · Visa Infinite
4% on gas AND EV charging, uncapped per the card page — the strongest fuel rate in Canada, future-proofed for the switch to electric.
Pros
Cons
Amex
4% on gas in Canada with no published cap, plus the uncapped 2% base for everything the car needs beyond fuel — parking, repairs, insurance.
Pros
Cons
TD · Visa Infinite
3% on gas and EV charging within its five 3% categories ($15,000/yr each) — slightly lower at the pump, broader across the household.
Pros
Cons
Tangerine · Mastercard
Make gas one of your chosen 2% categories — uncapped, no fee, no income hurdle. Half the premium rate at none of the cost.
Pros
Cons
CIBC · Mastercard
The structural answer to warehouse gas: 3% at Costco gas stations specifically (where generic "gas" categories never trigger), 2% at other stations and EV charging — free, with the membership card built in.
Pros
Cons
Canadian Tire Bank · WE MC
5¢/L (7¢/L premium) at Gas+ AND Petro-Canada — at $1.60/L that’s ~3.1%, beating most percentage cards — plus included Gold Plan roadside assistance worth a CAA-style membership.
Pros
Cons
Every card's complete facts on the main table — and since no one buys a card for gas alone, start with the cash-back math and let fuel break the tie.
Less than the grocery decision — and that's the point of doing the math. At $250/month of fuel ($3,000/yr): 4% returns $120/yr, 3% returns $90, the free 2% returns $60. The spread between the best premium card and the best free card is about $60/year — which is why the gas rate should be the tiebreaker on a card chosen for its grocery and overall math, not the headline that picks it.
Increasingly, and issuer-stated where we list it: CIBC Dividend and TD Cash Back both name EV charging alongside gas in their bonus categories, and Scotia Momentum includes it at 2%. Amex's gas wording doesn't name charging — public-charger coding varies by network, so an EV household should prefer the cards that say it outright. As fuel spend migrates from pumps to chargers, this clause quietly becomes the whole category.
Costco pumps code as Costco, not "gas" — so generic gas categories never trigger there. The clean answer is the CIBC Costco Mastercard: 3% at Costco gas specifically, $0 fee, and it doubles as your membership card. Failing that, a flat-rate Mastercard (Rogers Red's 1.5–2%) beats a 4% category card that never fires at the warehouse.
Stack, don't substitute: Petro-Points, Journie/CAA and Canadian Tire's programs apply per-litre discounts on top of whatever card you pay with — a 3¢/L program plus a 4% card is the actual best rate at the pump. The card programs that lock you to one chain rarely beat a portable 4% on flexibility-adjusted value.
Educational comparison, not credit advice. Earn rates and EV-charging inclusions verified at issuer pages on June 12, 2026; station category coding varies by merchant and network. Dollar figures are our arithmetic on the verified rates at the stated spend levels.
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