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★ ANNUAL FUEL SAVINGS · LIVE ★ Type your drive. See your refund. Km driven, fuel economy, price per litre — see what each card actually pays you back over a year.
★ MAX ANNUAL SAVINGS · NET OF FEE $ 180
with Canadian Tire Triangle World Elite · you'll spend $2,805 on fuel
★ ANNUAL CASH BACK
🥇
Canadian Tire Triangle World Elite 4.0% + 4¢/L · $0 fee · PETRO LOYALIST
$180 net /yr
🥈
PC Financial Mastercard 2.5% + 3¢/L · $0 fee · ESSO LOYALIST
$121 net /yr
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Tangerine Money-Back (gas as 1 of 3) 2.0% + 0¢/L · $0 fee · NO-FEE BACKUP
$56 net /yr
#4
CIBC Dividend Visa Infinite 4.0% + 0¢/L · $120 fee · BEST GENERAL
$-8 net /yr
#5
Amex SimplyCash Preferred 4.0% + 0¢/L · $120 fee · UNCAPPED 4%
$-8 net /yr
#6
BMO CashBack World Elite 3.0% + 0¢/L · $139 fee · GROCERY-FORWARD
$-55 net /yr
★ STATION-BY-STATION · BEST CARD ★ Petro vs Esso vs Shell — which earns most? Pick your usual gas chain to see the optimal card + loyalty stack.
🇨🇦 Petro-Canada ⛽ Esso / Mobil 🐚 Shell 🔺 Canadian Tire Gas+ 📦 Costco Gas ⛽ Suncor / Husky / Other
🇨🇦 Petro-Canada
→
★ OPTIMAL PAIRING CIBC Dividend Visa Infinite + Petro-Points EARN 4% cashback + 10 pts/L Petro-Points
★ $100/yr in Petro-Points for 20k km driver
Petro-Points stack with any 4% gas card · redeem at Tim Hortons too
★ 6 TOP GAS CARDS ★
Earn rates, partnerships, fine print TRI Triangle World Elite Canadian Tire · $0/yr
PETRO LOYALIST 4¢/L AT GAS+ STATIONS
WELCOME $100
4¢/L off at Petro/Gas+ · 1.5% Triangle on most · works at Canadian Tire retail too
Apply → CIB CIBC Dividend Visa Infinite CIBC · $120/yr
BEST GENERAL · 4% ALL CHAINS 4% ANY GAS STATION
WELCOME $400
4% gas + 4% groceries · cap shared $80k/yr · first-year fee waived
Apply → AMX Amex SimplyCash Preferred American Express · $120/yr
UNCAPPED 4% MONTHLY 4% NO CAP
WELCOME $250
No spending cap on gas · 2% on EVERYTHING else · monthly statement credit
Apply → PCF PC Financial Mastercard PC Financial · $0/yr
ESSO REGULAR 3¢/L AT ESSO/MOBIL
WELCOME 25,000 pts
3¢/L off at Esso pumps · 4.5x PC Optimum at Loblaws stores · zero fee
Apply → BMO BMO Air Miles World Elite BMO · $120/yr
SHELL + AIR MILES 3x AM AT SHELL
WELCOME 2000 AM
3x Air Miles at Shell + 2x at grocery/drug · redeem AM for flights/merch
Apply → CIQ CIBC Costco Mastercard CIBC (Costco) · $0/yr
COSTCO GAS REGULAR 3% AT COSTCO GAS
3% Costco gas + 3% restaurants + 1% Costco purchases · no fee w/ Costco membership
Apply → YOUR QUESTIONS
Gas cards · straight answers How much can I really save on gas with the right card? − Math: 20,000 km/yr at 8.5 L/100km × $1.65/L = $2,805/yr in gas. At 4% cash back (CIBC Dividend), that's $112/yr. Stack with the 3¢/L discount at Esso (PC Financial) and you save another $240/yr. Real-world: most Canadian drivers save $300-500/yr by switching from a 1% generic card to a gas-optimized stack. What's the difference between per-litre discounts and percentage cash back? + Should I stack gas cards? + Why doesn't Costco accept American Express anymore? + Do EV charging stations earn gas cash back? + Can I get a gas-focused card with bad credit? + Are pre-authorization holds on gas pumps a problem? + How do diesel and gas stations differ for cash back? +