Best credit cards for gas in Canada for 2026
Verified Oct 16, 2026CAD
Ranked by what a family's gas spending earns each year. Each card shows Year 1 against every year after, so a card that's mostly its welcome bonus is easy to spot.
Advertiser disclosure: we may earn a commission when you apply through some links on this page. It never affects rank: cards are ordered by the value worked out from your spending. How we make money · Methodology
Spending: Family · $3,350/moRank these on my own spending
- #1
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$1,136Year 2+$9363 years $3,058 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$1,136Year 2+$936Welcome or anniversary bonus$200 / $0Rewards on spending$1,056 / $1,056Fees (taken off the end)−$120 / −$120 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
4%GrocGroceries2%DineDining and takeout4%GasGas and EV charging2%AirFlights2%HotelHotels and car rentals2%TransitTransit and rideshare2%StreamStreaming2%DrugDrugstores2%OnlineOnline shopping2%BillsPhone, internet and utilities2%OtherEverything elseWhy it's ranked here
- Ranked #1 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $3,058 after fees.
- Year 1. $1,136 = welcome bonus $200 + rewards $1,056 − fee $120.
- Each year after. $936 = rewards $1,056 − fee $120.
- Against #2. Beats CIBC Dividend Visa Infinite by $438 over 3 years, mostly on rewards on spending (+$508).
Verified Oct 16, 2026Every term and assumption - #2
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$1,087Year 2+$7673 years $2,620 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$1,087Year 2+$767Welcome or anniversary bonus$200 / $0Rewards on spending$887 / $887Fees (taken off the end)-$0 / −$120 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
4%GrocGroceries2%DineDining and takeout4%GasGas and EV charging1%AirFlights1%HotelHotels and car rentals2%TransitTransit and rideshare2%StreamStreaming1%DrugDrugstores1%OnlineOnline shopping2%BillsPhone, internet and utilities1%OtherEverything elseWhy it's ranked here
- Ranked #2 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $2,620 after fees.
- Year 1. $1,087 = welcome bonus $200 + rewards $887.
- Each year after. $767 = rewards $887 − fee $120.
- Against #1. Trails American Express SimplyCash Preferred by $438 over 3 years, mostly on rewards on spending (−$508).
- Against #3. Beats BMO eclipse Visa Infinite by $156 over 3 years, mostly on rewards on spending (+$695).
Verified Oct 16, 2026Every term and assumption - #3
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$1,294Year 2+$5853 years $2,465 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$1,294Year 2+$585Welcome or anniversary bonus$469 / $0Rewards on spending$655 / $655Credits$170 / $50Fees (taken off the end)-$0 / −$120 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
5xGrocGroceries5xDineDining and takeout5xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals5xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #3 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $2,465 after fees.
- Year 1. $1,294 = welcome bonus $469 + rewards $655 + credits $170.
- Each year after. $585 = rewards $655 + credits $50 − fee $120.
- Against #2. Trails CIBC Dividend Visa Infinite by $156 over 3 years, mostly on rewards on spending (−$695).
- Against #4. Trails Scotiabank Gold American Express by $654 over 3 years, mostly on rewards on spending (−$1,213).
Points valued at 0.67¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #4
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$1,240Year 2+$9403 years $3,119 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$1,240Year 2+$940Welcome or anniversary bonus$300 / $0Rewards on spending$1,060 / $1,060Fees (taken off the end)−$120 / −$120 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
5xGrocGroceries5xDineDining and takeout3xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals3xTransitTransit and rideshare3xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #4 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $3,119 after fees.
- Year 1. $1,240 = welcome bonus $300 + rewards $1,060 − fee $120.
- Each year after. $940 = rewards $1,060 − fee $120.
- Against #3. Beats BMO eclipse Visa Infinite by $654 over 3 years, mostly on rewards on spending (+$1,213).
- Against #5. Beats TD Cash Back Visa Infinite by $732 over 3 years, mostly on rewards on spending (+$864).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #5
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$1,122Year 2+$6333 years $2,387 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$1,122Year 2+$633Welcome or anniversary bonus$350 / $0Rewards on spending$772 / $772Fees (taken off the end)-$0 / −$139 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
3%GrocGroceries1%DineDining and takeout3%GasGas and EV charging1%AirFlights1%HotelHotels and car rentals3%TransitTransit and rideshare3%StreamStreaming1%DrugDrugstores1%OnlineOnline shopping3%BillsPhone, internet and utilities1%OtherEverything elseWhy it's ranked here
- Ranked #5 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $2,387 after fees.
- Year 1. $1,122 = welcome bonus $350 + rewards $772.
- Each year after. $633 = rewards $772 − fee $139.
- Against #4. Trails Scotiabank Gold American Express by $732 over 3 years, mostly on rewards on spending (−$864).
- Against #6. Beats RBC Cash Back Preferred World Elite Mastercard by $132 over 3 years, mostly on annual fees (+$82).
Verified Oct 16, 2026Every term and assumption - #6
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$952Year 2+$6523 years $2,255 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$952Year 2+$652Welcome or anniversary bonus$300 / $0Rewards on spending$772 / $772Fees (taken off the end)−$120 / −$120 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
3%GrocGroceries3%DineDining and takeout3%GasGas and EV charging1%AirFlights1%HotelHotels and car rentals3%TransitTransit and rideshare3%StreamStreaming1%DrugDrugstores1%OnlineOnline shopping1%BillsPhone, internet and utilities1%OtherEverything elseWhy it's ranked here
- Ranked #6 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $2,255 after fees.
- Year 1. $952 = welcome bonus $300 + rewards $772 − fee $120.
- Each year after. $652 = rewards $772 − fee $120.
- Against #5. Trails TD Cash Back Visa Infinite by $132 over 3 years, mostly on annual fees (−$82).
- Against #7. Trails Scotiabank Momentum Visa Infinite by $458 over 3 years, mostly on rewards on spending (−$338).
Verified Oct 16, 2026Every term and assumption - #7
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$1,184Year 2+$7643 years $2,713 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$1,184Year 2+$764Welcome or anniversary bonus$300 / $0Rewards on spending$884 / $884Fees (taken off the end)-$0 / −$120 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
4%GrocGroceries1%DineDining and takeout2%GasGas and EV charging1%AirFlights1%HotelHotels and car rentals2%TransitTransit and rideshare4%StreamStreaming1%DrugDrugstores1%OnlineOnline shopping4%BillsPhone, internet and utilities1%OtherEverything elseWhy it's ranked here
- Ranked #7 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $2,713 after fees.
- Year 1. $1,184 = welcome bonus $300 + rewards $884.
- Each year after. $764 = rewards $884 − fee $120.
- Against #6. Beats RBC Cash Back Preferred World Elite Mastercard by $458 over 3 years, mostly on rewards on spending (+$338).
- Against #8. Beats Scotiabank Platinum American Express by $498 over 3 years, mostly on annual fees (+$957).
Verified Oct 16, 2026Every term and assumption - #8
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$1,205Year 2+$4053 years $2,215 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$1,205Year 2+$405Welcome or anniversary bonus$800 / $0Rewards on spending$804 / $804Fees (taken off the end)−$399 / −$399 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
2xGrocGroceries2xDineDining and takeout2xGasGas and EV charging2xAirFlights2xHotelHotels and car rentals2xTransitTransit and rideshare2xStreamStreaming2xDrugDrugstores2xOnlineOnline shopping2xBillsPhone, internet and utilities2xOtherEverything elseWhy it's ranked here
- Ranked #8 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $2,215 after fees.
- Year 1. $1,205 = welcome bonus $800 + rewards $804 − fee $399.
- Each year after. $405 = rewards $804 − fee $399.
- Against #7. Trails Scotiabank Momentum Visa Infinite by $498 over 3 years, mostly on annual fees (−$957).
- Against #9. Beats Scotiabank American Express Card by $211 over 3 years, mostly on annual fees (−$1,197).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #9
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$735Year 2+$6353 years $2,004 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$735Year 2+$635Welcome or anniversary bonus$100 / $0Rewards on spending$635 / $635Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
3xGrocGroceries2xDineDining and takeout2xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals2xTransitTransit and rideshare2xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #9 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $2,004 after fees.
- Year 1. $735 = welcome bonus $100 + rewards $635.
- Each year after. $635 = rewards $635.
- Against #8. Trails Scotiabank Platinum American Express by $211 over 3 years, mostly on annual fees (+$1,197).
- Against #10. Beats American Express Gold Rewards Card by $219 over 3 years, mostly on annual fees (+$750).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #10
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$995Year 2+$3953 years $1,786 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$995Year 2+$395Welcome or anniversary bonus$600 / $0Rewards on spending$565 / $565Credits$80 / $80Fees (taken off the end)−$250 / −$250 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
2xGrocGroceries1xDineDining and takeout2xGasGas and EV charging2xAirFlights2xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming2xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #10 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $1,786 after fees.
- Year 1. $995 = welcome bonus $600 + rewards $565 + credits $80 − fee $250.
- Each year after. $395 = rewards $565 + credits $80 − fee $250.
- Against #9. Trails Scotiabank American Express Card by $219 over 3 years, mostly on annual fees (−$750).
- Against #11. Beats Scotiabank Momentum Visa by $151 over 3 years, mostly on annual fees (−$603).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #11
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$545Year 2+$5453 years $1,635 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$545Year 2+$545Rewards on spending$594 / $594Fees (taken off the end)−$49 / −$49 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
2%GrocGroceries1%DineDining and takeout2%GasGas and EV charging1%AirFlights1%HotelHotels and car rentals2%TransitTransit and rideshare2%StreamStreaming2%DrugDrugstores1%OnlineOnline shopping2%BillsPhone, internet and utilities1%OtherEverything elseWhy it's ranked here
- Ranked #11 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $1,635 after fees.
- Year 1. $545 = rewards $594 − fee $49.
- Each year after. $545 = rewards $594 − fee $49.
- Against #10. Trails American Express Gold Rewards Card by $151 over 3 years, mostly on annual fees (+$603).
- Against #12. Beats RBC WestJet World Elite Mastercard by $18 over 3 years, mostly on annual fees (+$270).
Verified Oct 16, 2026Every term and assumption - #12
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1estimated value, about $539, based on 1 cents per pointYear 2+estimated value, about $539, based on 1 cents per point3 years estimated value, about $1,617, based on 1 cents per point after fees· pays for itself in month 3Bonus not counted
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $539, based on 1 cents per pointYear 2+estimated value, about $539, based on 1 cents per pointRewards on spending$678 / $678Fees (taken off the end)−$139 / −$139 Pays for itself in month 3 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
2xGrocGroceries1.5xDineDining and takeout2xGasGas and EV charging2xAirFlights1.5xHotelHotels and car rentals2xTransitTransit and rideshare1.5xStreamStreaming1.5xDrugDrugstores1.5xOnlineOnline shopping1.5xBillsPhone, internet and utilities1.5xOtherEverything elseWhy it's ranked here
- Ranked #12 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth about $1,617 (estimated) after fees.
- Year 1. about $539 (estimated) = rewards $678 − fee $139.
- Each year after. about $539 (estimated) = rewards $678 − fee $139.
- Against #11. Trails Scotiabank Momentum Visa by $18 over 3 years, mostly on annual fees (−$270).
- Against #13. Beats American Express Cobalt Card by $70 over 3 years, mostly on annual fees (+$159).
- Not counted. Welcome offer not counted: Up to 70,000 WestJet points; the spend requirements aren't on the card page.
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #13
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$616Year 2+$4663 years $1,547 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$616Year 2+$466Welcome or anniversary bonus$150 / $0Rewards on spending$640 / $640Credits$18 / $18Fees (taken off the end)−$192 / −$192 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries5xDineDining and takeout2xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals2xTransitTransit and rideshare3xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #13 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $1,547 after fees.
- Year 1. $616 = welcome bonus $150 + rewards $640 + credits $18 − fee $192.
- Each year after. $466 = rewards $640 + credits $18 − fee $192.
- Against #12. Trails RBC WestJet World Elite Mastercard by $70 over 3 years, mostly on annual fees (−$159).
- Against #14. Beats RBC ION+ Visa by $186 over 3 years, mostly on rewards on spending (+$576).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #14
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$521Year 2+$4003 years $1,361 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$521Year 2+$400Welcome or anniversary bonus$122 / $0Rewards on spending$448 / $448Fees (taken off the end)−$48 / −$48 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
3xGrocGroceries3xDineDining and takeout3xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals3xTransitTransit and rideshare3xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #14 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $1,361 after fees.
- Year 1. $521 = welcome bonus $122 + rewards $448 − fee $48.
- Each year after. $400 = rewards $448 − fee $48.
- Against #13. Trails American Express Cobalt Card by $186 over 3 years, mostly on rewards on spending (−$576).
- Against #15. Trails Rogers Bank Red World Elite Mastercard by $448 over 3 years, mostly on rewards on spending (−$466).
Points valued at 0.58¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #15
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$603Year 2+$6033 years $1,809 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$603Year 2+$603Rewards on spending$603 / $603Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1.5%GrocGroceries1.5%DineDining and takeout1.5%GasGas and EV charging1.5%AirFlights1.5%HotelHotels and car rentals1.5%TransitTransit and rideshare1.5%StreamStreaming1.5%DrugDrugstores1.5%OnlineOnline shopping1.5%BillsPhone, internet and utilities1.5%OtherEverything elseWhy it's ranked here
- Ranked #15 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $1,809 after fees.
- Year 1. $603 = rewards $603.
- Each year after. $603 = rewards $603.
- Against #14. Beats RBC ION+ Visa by $448 over 3 years, mostly on rewards on spending (+$466).
- Against #16. Beats CIBC Aventura Visa Infinite by $21 over 3 years, mostly on welcome bonus (−$600).
Verified Oct 16, 2026Every term and assumption - #16
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$1,089Year 2+$3503 years $1,788 after fees· pays for itself in month 1Mostly first-year value
Breakdown, earn rates and why it's ranked here
Year 1$1,089Year 2+$350Welcome or anniversary bonus$600 / $0Rewards on spending$469 / $469Credits$20 / $20Fees (taken off the end)-$0 / −$139 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1.5xGrocGroceries1xDineDining and takeout1.5xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1.5xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #16 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $1,788 after fees.
- Year 1. $1,089 = welcome bonus $600 + rewards $469 + credits $20.
- Each year after. $350 = rewards $469 + credits $20 − fee $139.
- Against #15. Trails Rogers Bank Red World Elite Mastercard by $21 over 3 years, mostly on welcome bonus (+$600).
- Against #17. Beats TD Aeroplan Visa Infinite by $133 over 3 years, mostly on welcome bonus (+$100).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #17
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1estimated value, about $978, based on 1 cents per pointYear 2+estimated value, about $339, based on 1 cents per point3 years estimated value, about $1,655, based on 1 cents per point after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $978, based on 1 cents per pointYear 2+estimated value, about $339, based on 1 cents per pointWelcome or anniversary bonus$500 / $0Rewards on spending$465 / $465Credits$13 / $13Fees (taken off the end)-$0 / −$139 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1.5xGrocGroceries1xDineDining and takeout1.5xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #17 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth about $1,655 (estimated) after fees.
- Year 1. about $978 (estimated) = welcome bonus $500 + rewards $465 + credits $13.
- Each year after. about $339 (estimated) = rewards $465 + credits $13 − fee $139.
- Against #16. Trails CIBC Aventura Visa Infinite by $133 over 3 years, mostly on welcome bonus (−$100).
- Against #18. Beats TD Aeroplan Visa Infinite Privilege by $736 over 3 years, mostly on annual fees (+$1,519).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #18
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1estimated value, about $973, based on 1 cents per pointYear 2+estimated value, about −$27, based on 1 cents per point3 years estimated value, about $919, based on 1 cents per point after fees· pays for itself in month 4Mostly first-year value
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $973, based on 1 cents per pointYear 2+estimated value, about −$27, based on 1 cents per pointWelcome or anniversary bonus$1,000 / $0Rewards on spending$560 / $560Credits$13 / $13Fees (taken off the end)−$599 / −$599 Pays for itself in month 4 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1.5xGrocGroceries1.5xDineDining and takeout1.5xGasGas and EV charging2xAirFlights1.5xHotelHotels and car rentals1.5xTransitTransit and rideshare1.25xStreamStreaming1.25xDrugDrugstores1.25xOnlineOnline shopping1.25xBillsPhone, internet and utilities1.25xOtherEverything elseWhy it's ranked here
- Ranked #18 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth about $919 (estimated) after fees.
- Year 1. about $973 (estimated) = welcome bonus $1,000 + rewards $560 + credits $13 − fee $599.
- Each year after. about −$27 (estimated) = rewards $560 + credits $13 − fee $599.
- Against #17. Trails TD Aeroplan Visa Infinite by $736 over 3 years, mostly on annual fees (−$1,519).
- Against #19. Trails Simplii Financial Cash Back Visa by $738 over 3 years, mostly on annual fees (−$1,797).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #19
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$619Year 2+$5193 years $1,657 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$619Year 2+$519Welcome or anniversary bonus$100 / $0Rewards on spending$519 / $519Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1.5%GrocGroceries4%DineDining and takeout1.5%GasGas and EV charging0.5%AirFlights0.5%HotelHotels and car rentals0.5%TransitTransit and rideshare0.5%StreamStreaming1.5%DrugDrugstores0.5%OnlineOnline shopping1.5%BillsPhone, internet and utilities0.5%OtherEverything elseWhy it's ranked here
- Ranked #19 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $1,657 after fees.
- Year 1. $619 = welcome bonus $100 + rewards $519.
- Each year after. $519 = rewards $519.
- Against #18. Beats TD Aeroplan Visa Infinite Privilege by $738 over 3 years, mostly on annual fees (+$1,797).
- Against #20. Trails TD First Class Travel Visa Infinite by $1,309 over 3 years, mostly on rewards on spending (−$707).
Verified Oct 16, 2026Every term and assumption - #20
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$1,615Year 2+$6763 years $2,966 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$1,615Year 2+$676Welcome or anniversary bonus$800 / $0Rewards on spending$755 / $755Credits$60 / $60Fees (taken off the end)-$0 / −$139 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
6xGrocGroceries6xDineDining and takeout2xGasGas and EV charging2xAirFlights2xHotelHotels and car rentals6xTransitTransit and rideshare4xStreamStreaming2xDrugDrugstores2xOnlineOnline shopping4xBillsPhone, internet and utilities2xOtherEverything elseWhy it's ranked here
- Ranked #20 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $2,966 after fees.
- Year 1. $1,615 = welcome bonus $800 + rewards $755 + credits $60.
- Each year after. $676 = rewards $755 + credits $60 − fee $139.
- Against #19. Beats Simplii Financial Cash Back Visa by $1,309 over 3 years, mostly on rewards on spending (+$707).
- Against #21. Beats Desjardins Cash Back World Elite Mastercard by $872 over 3 years, mostly on welcome bonus (+$800).
Points valued at 0.50¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #21
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$698Year 2+$6983 years $2,094 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$698Year 2+$698Rewards on spending$798 / $798Fees (taken off the end)−$100 / −$100 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
4%GrocGroceries3%DineDining and takeout1%GasGas and EV charging1%AirFlights1%HotelHotels and car rentals3%TransitTransit and rideshare1%StreamStreaming1%DrugDrugstores1%OnlineOnline shopping1%BillsPhone, internet and utilities1%OtherEverything elseWhy it's ranked here
- Ranked #21 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $2,094 after fees.
- Year 1. $698 = rewards $798 − fee $100.
- Each year after. $698 = rewards $798 − fee $100.
- Against #20. Trails TD First Class Travel Visa Infinite by $872 over 3 years, mostly on welcome bonus (−$800).
- Against #22. Beats PC Financial PC World Elite Mastercard by $186 over 3 years, mostly on rewards on spending (+$536).
Verified Oct 16, 2026Every term and assumption - #22
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$669Year 2+$6193 years $1,908 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$669Year 2+$619Welcome or anniversary bonus$50 / $0Rewards on spending$619 / $619Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
30xGrocGroceries10xDineDining and takeout10xGasGas and EV charging10xAirFlights10xHotelHotels and car rentals10xTransitTransit and rideshare10xStreamStreaming45xDrugDrugstores10xOnlineOnline shopping10xBillsPhone, internet and utilities10xOtherEverything elseWhy it's ranked here
- Ranked #22 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $1,908 after fees.
- Year 1. $669 = welcome bonus $50 + rewards $619.
- Each year after. $619 = rewards $619.
- Against #21. Trails Desjardins Cash Back World Elite Mastercard by $186 over 3 years, mostly on rewards on spending (−$536).
- Against #23. Beats Tangerine Rewards World Elite Mastercard by $274 over 3 years, mostly on welcome bonus (−$450).
Points valued at 0.10¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #23
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$878Year 2+$3783 years $1,634 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$878Year 2+$378Welcome or anniversary bonus$500 / $0Rewards on spending$498 / $498Fees (taken off the end)−$120 / −$120 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1.5xGrocGroceries1.5xDineDining and takeout1.5xGasGas and EV charging1xAirFlights1.5xHotelHotels and car rentals1.5xTransitTransit and rideshare1xStreamStreaming1.5xDrugDrugstores1xOnlineOnline shopping1.5xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #23 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $1,634 after fees.
- Year 1. $878 = welcome bonus $500 + rewards $498 − fee $120.
- Each year after. $378 = rewards $498 − fee $120.
- Against #22. Trails PC Financial PC World Elite Mastercard by $274 over 3 years, mostly on welcome bonus (+$450).
- Against #24. Beats Scotiabank Passport Visa Infinite by $34 over 3 years, mostly on rewards on spending (−$306).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #24
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$700Year 2+$4503 years $1,600 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$700Year 2+$450Welcome or anniversary bonus$250 / $0Rewards on spending$600 / $600Fees (taken off the end)−$150 / −$150 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
3xGrocGroceries2xDineDining and takeout1xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals2xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #24 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $1,600 after fees.
- Year 1. $700 = welcome bonus $250 + rewards $600 − fee $150.
- Each year after. $450 = rewards $600 − fee $150.
- Against #23. Trails Tangerine Rewards World Elite Mastercard by $34 over 3 years, mostly on rewards on spending (+$306).
- Against #25. Beats Scotiabank Scene+ Visa by $200 over 3 years, mostly on rewards on spending (+$450).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #25
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$500Year 2+$4503 years $1,400 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$500Year 2+$450Welcome or anniversary bonus$50 / $0Rewards on spending$450 / $450Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
2xGrocGroceries1xDineDining and takeout1xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #25 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $1,400 after fees.
- Year 1. $500 = welcome bonus $50 + rewards $450.
- Each year after. $450 = rewards $450.
- Against #24. Trails Scotiabank Passport Visa Infinite by $200 over 3 years, mostly on rewards on spending (−$450).
- Against #26. Beats RBC Cash Back Mastercard by $211 over 3 years, mostly on rewards on spending (+$261).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #26
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$463Year 2+$3633 years $1,189 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$463Year 2+$363Welcome or anniversary bonus$100 / $0Rewards on spending$363 / $363Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
2%GrocGroceries0.5%DineDining and takeout1%GasGas and EV charging0.5%AirFlights0.5%HotelHotels and car rentals1%TransitTransit and rideshare0.5%StreamStreaming0.5%DrugDrugstores0.5%OnlineOnline shopping0.5%BillsPhone, internet and utilities0.5%OtherEverything elseWhy it's ranked here
- Ranked #26 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $1,189 after fees.
- Year 1. $463 = welcome bonus $100 + rewards $363.
- Each year after. $363 = rewards $363.
- Against #25. Trails Scotiabank Scene+ Visa by $211 over 3 years, mostly on rewards on spending (−$261).
- Against #27. Beats TD Aeroplan Visa Platinum by $237 over 3 years, mostly on annual fees (+$178).
Verified Oct 16, 2026Every term and assumption - #27
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1estimated value, about $510, based on 1 cents per pointYear 2+estimated value, about $221, based on 1 cents per point3 years estimated value, about $952, based on 1 cents per point after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $510, based on 1 cents per pointYear 2+estimated value, about $221, based on 1 cents per pointWelcome or anniversary bonus$200 / $0Rewards on spending$310 / $310Fees (taken off the end)-$0 / −$89 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries0.667xDineDining and takeout1xGasGas and EV charging0.667xAirFlights0.667xHotelHotels and car rentals0.667xTransitTransit and rideshare0.667xStreamStreaming0.667xDrugDrugstores0.667xOnlineOnline shopping0.667xBillsPhone, internet and utilities0.667xOtherEverything elseWhy it's ranked here
- Ranked #27 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth about $952 (estimated) after fees.
- Year 1. about $510 (estimated) = welcome bonus $200 + rewards $310.
- Each year after. about $221 (estimated) = rewards $310 − fee $89.
- Against #26. Trails RBC Cash Back Mastercard by $237 over 3 years, mostly on annual fees (−$178).
- Against #28. Beats Brim Financial World Elite Mastercard by $13 over 3 years, mostly on rewards on spending (−$276).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #28
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$313Year 2+$3133 years $939 after fees· pays for itself in month 3
Breakdown, earn rates and why it's ranked here
Year 1$313Year 2+$313Rewards on spending$402 / $402Fees (taken off the end)−$89 / −$89 Pays for itself in month 3 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1%GrocGroceries1%DineDining and takeout1%GasGas and EV charging1%AirFlights1%HotelHotels and car rentals1%TransitTransit and rideshare1%StreamStreaming1%DrugDrugstores1%OnlineOnline shopping1%BillsPhone, internet and utilities1%OtherEverything elseWhy it's ranked here
- Ranked #28 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $939 after fees.
- Year 1. $313 = rewards $402 − fee $89.
- Each year after. $313 = rewards $402 − fee $89.
- Against #27. Trails TD Aeroplan Visa Platinum by $13 over 3 years, mostly on rewards on spending (+$276).
- Against #29. Beats TD Cash Back Visa by $132 over 3 years, mostly on rewards on spending (+$399).
Verified Oct 16, 2026Every term and assumption - #29
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$269Year 2+$2693 years $807 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$269Year 2+$269Rewards on spending$269 / $269Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1%GrocGroceries0.5%DineDining and takeout1%GasGas and EV charging0.5%AirFlights0.5%HotelHotels and car rentals1%TransitTransit and rideshare1%StreamStreaming0.5%DrugDrugstores0.5%OnlineOnline shopping1%BillsPhone, internet and utilities0.5%OtherEverything elseWhy it's ranked here
- Ranked #29 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $807 after fees.
- Year 1. $269 = rewards $269.
- Each year after. $269 = rewards $269.
- Against #28. Trails Brim Financial World Elite Mastercard by $132 over 3 years, mostly on rewards on spending (−$399).
- Against #30. Beats American Express Platinum Card by $284 over 3 years, mostly on annual fees (+$2,397).
Verified Oct 16, 2026Every term and assumption - #30
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$541Year 2+−$1593 years $523 after fees· pays for itself in month 3Mostly first-year value
Breakdown, earn rates and why it's ranked here
Year 1$541Year 2+−$159Welcome or anniversary bonus$700 / $0Rewards on spending$480 / $480Credits$160 / $160Fees (taken off the end)−$799 / −$799 Pays for itself in month 3 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries2xDineDining and takeout1xGasGas and EV charging2xAirFlights2xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #30 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $523 after fees.
- Year 1. $541 = welcome bonus $700 + rewards $480 + credits $160 − fee $799.
- Each year after. −$159 = rewards $480 + credits $160 − fee $799.
- Against #29. Trails TD Cash Back Visa by $284 over 3 years, mostly on annual fees (−$2,397).
- Against #31. Trails Scotiabank Momentum No-Fee Visa by $405 over 3 years, mostly on annual fees (−$2,397).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #31
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$376Year 2+$2763 years $928 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$376Year 2+$276Welcome or anniversary bonus$100 / $0Rewards on spending$276 / $276Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1%GrocGroceries0.5%DineDining and takeout1%GasGas and EV charging0.5%AirFlights0.5%HotelHotels and car rentals1%TransitTransit and rideshare1%StreamStreaming1%DrugDrugstores0.5%OnlineOnline shopping1%BillsPhone, internet and utilities0.5%OtherEverything elseWhy it's ranked here
- Ranked #31 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $928 after fees.
- Year 1. $376 = welcome bonus $100 + rewards $276.
- Each year after. $276 = rewards $276.
- Against #30. Beats American Express Platinum Card by $405 over 3 years, mostly on annual fees (+$2,397).
- Against #32. Beats RBC ION Visa by $28 over 3 years, mostly on welcome bonus (+$19).
Verified Oct 16, 2026Every term and assumption - #32
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$354Year 2+$2733 years $900 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$354Year 2+$273Welcome or anniversary bonus$81 / $0Rewards on spending$273 / $273Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1.5xGrocGroceries1xDineDining and takeout1.5xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals1.5xTransitTransit and rideshare1.5xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #32 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $900 after fees.
- Year 1. $354 = welcome bonus $81 + rewards $273.
- Each year after. $273 = rewards $273.
- Against #31. Trails Scotiabank Momentum No-Fee Visa by $28 over 3 years, mostly on welcome bonus (−$19).
- Against #33. Trails National Bank World Elite Mastercard by $188 over 3 years, mostly on annual fees (+$450).
Points valued at 0.58¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #33
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$362Year 2+$3623 years $1,087 after fees· pays for itself in month 4
Breakdown, earn rates and why it's ranked here
Year 1$362Year 2+$362Rewards on spending$422 / $422Credits$90 / $90Fees (taken off the end)−$150 / −$150 Pays for itself in month 4 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
5xGrocGroceries5xDineDining and takeout2xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping2xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #33 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $1,087 after fees.
- Year 1. $362 = rewards $422 + credits $90 − fee $150.
- Each year after. $362 = rewards $422 + credits $90 − fee $150.
- Against #32. Beats RBC ION Visa by $188 over 3 years, mostly on annual fees (−$450).
- Against #34. Trails TD Platinum Travel Visa by $683 over 3 years, mostly on rewards on spending (−$431).
Points valued at 0.40¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #34
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$816Year 2+$4773 years $1,770 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$816Year 2+$477Welcome or anniversary bonus$250 / $0Rewards on spending$566 / $566Fees (taken off the end)-$0 / −$89 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
4.5xGrocGroceries4.5xDineDining and takeout1.5xGasGas and EV charging1.5xAirFlights1.5xHotelHotels and car rentals4.5xTransitTransit and rideshare3xStreamStreaming1.5xDrugDrugstores1.5xOnlineOnline shopping3xBillsPhone, internet and utilities1.5xOtherEverything elseWhy it's ranked here
- Ranked #34 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $1,770 after fees.
- Year 1. $816 = welcome bonus $250 + rewards $566.
- Each year after. $477 = rewards $566 − fee $89.
- Against #33. Beats National Bank World Elite Mastercard by $683 over 3 years, mostly on rewards on spending (+$431).
- Against #35. Beats RBC Avion Visa Infinite Privilege by $1,513 over 3 years, mostly on annual fees (+$1,019).
Points valued at 0.50¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #35
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$211Year 2+−$1083 years $257 after fees· pays for itself in month 4Mostly first-year value
Breakdown, earn rates and why it's ranked here
Year 1$211Year 2+−$108Welcome or anniversary bonus$319 / $0Rewards on spending$291 / $291Fees (taken off the end)−$399 / −$399 Pays for itself in month 4 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1.25xGrocGroceries1.25xDineDining and takeout1.25xGasGas and EV charging1.25xAirFlights1.25xHotelHotels and car rentals1.25xTransitTransit and rideshare1.25xStreamStreaming1.25xDrugDrugstores1.25xOnlineOnline shopping1.25xBillsPhone, internet and utilities1.25xOtherEverything elseWhy it's ranked here
- Ranked #35 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $257 after fees.
- Year 1. $211 = welcome bonus $319 + rewards $291 − fee $399.
- Each year after. −$108 = rewards $291 − fee $399.
- Against #34. Trails TD Platinum Travel Visa by $1,513 over 3 years, mostly on annual fees (−$1,019).
- Against #36. Trails RBC Avion Visa Infinite by $501 over 3 years, mostly on annual fees (−$837).
Points valued at 0.58¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #36
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$437Year 2+$1183 years $759 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$437Year 2+$118Welcome or anniversary bonus$319 / $0Rewards on spending$238 / $238Fees (taken off the end)−$120 / −$120 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries1xDineDining and takeout1xGasGas and EV charging1.25xAirFlights1.25xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #36 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $759 after fees.
- Year 1. $437 = welcome bonus $319 + rewards $238 − fee $120.
- Each year after. $118 = rewards $238 − fee $120.
- Against #35. Beats RBC Avion Visa Infinite Privilege by $501 over 3 years, mostly on annual fees (+$837).
- Against #37. Beats RBC Avion Visa Platinum by $13 over 3 years, mostly on rewards on spending (+$13).
Points valued at 0.58¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #37
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$432Year 2+$1133 years $745 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$432Year 2+$113Welcome or anniversary bonus$319 / $0Rewards on spending$233 / $233Fees (taken off the end)−$120 / −$120 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries1xDineDining and takeout1xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #37 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $745 after fees.
- Year 1. $432 = welcome bonus $319 + rewards $233 − fee $120.
- Each year after. $113 = rewards $233 − fee $120.
- Against #36. Trails RBC Avion Visa Infinite by $13 over 3 years, mostly on rewards on spending (−$13).
- Against #38. Trails Tangerine Money-Back Credit Card by $606 over 3 years, mostly on rewards on spending (−$552).
Points valued at 0.58¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #38
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$517Year 2+$4173 years $1,351 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$517Year 2+$417Welcome or anniversary bonus$100 / $0Rewards on spending$417 / $417Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
2%GrocGroceries2%DineDining and takeout2%GasGas and EV charging0.5%AirFlights2%HotelHotels and car rentals2%TransitTransit and rideshare0.5%StreamStreaming2%DrugDrugstores0.5%OnlineOnline shopping2%BillsPhone, internet and utilities0.5%OtherEverything elseWhy it's ranked here
- Ranked #38 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $1,351 after fees.
- Year 1. $517 = welcome bonus $100 + rewards $417.
- Each year after. $417 = rewards $417.
- Against #37. Beats RBC Avion Visa Platinum by $606 over 3 years, mostly on rewards on spending (+$552).
- Against #39. Beats TD Rewards Visa by $285 over 3 years, mostly on rewards on spending (+$261).
Verified Oct 16, 2026Every term and assumption - #39
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$406Year 2+$3303 years $1,066 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$406Year 2+$330Welcome or anniversary bonus$76 / $0Rewards on spending$330 / $330Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
3xGrocGroceries3xDineDining and takeout1xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals3xTransitTransit and rideshare2xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping2xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #39 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth $1,066 after fees.
- Year 1. $406 = welcome bonus $76 + rewards $330.
- Each year after. $330 = rewards $330.
- Against #38. Trails Tangerine Money-Back Credit Card by $285 over 3 years, mostly on rewards on spending (−$261).
- Against #40. Beats TD Low Rate Visa by $1,116 over 3 years, mostly on rewards on spending (+$990).
Points valued at 0.50¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #40
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$0Year 2+−$253 years −$50 after fees· never covers its fee
Breakdown, earn rates and why it's ranked here
Year 1$0Year 2+−$25Fees (taken off the end)-$0 / −$25 Doesn't cover its fees within 3 years Year 1Year 2Year 3Earn rate by category
0%GrocGroceries0%DineDining and takeout0%GasGas and EV charging0%AirFlights0%HotelHotels and car rentals0%TransitTransit and rideshare0%StreamStreaming0%DrugDrugstores0%OnlineOnline shopping0%BillsPhone, internet and utilities0%OtherEverything elseWhy it's ranked here
- Ranked #40 of 40. By earn on gas on the family preset's spending. Over 3 years it's worth −$50 after fees.
- Year 1. $0 = nothing.
- Each year after. −$25 = fee $25.
- Against #39. Trails TD Rewards Visa by $1,116 over 3 years, mostly on rewards on spending (−$990).
Verified Oct 16, 2026Every term and assumption
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
More best-of lists
The ranking in numbers
Family preset, $3,350 a month, after fees. "~" marks estimates.
| Card | Year 1 | Year 2+ | 3 years |
|---|---|---|---|
| American Express SimplyCash Preferred | $1,136 | $936 | $3,058 |
| CIBC Dividend Visa Infinite | $1,087 | $767 | $2,620 |
| BMO eclipse Visa Infinite | $1,294 | $585 | $2,465 |
| Scotiabank Gold American Express | $1,240 | $940 | $3,119 |
| TD Cash Back Visa Infinite | $1,122 | $633 | $2,387 |
| RBC Cash Back Preferred World Elite Mastercard | $952 | $652 | $2,255 |
| Scotiabank Momentum Visa Infinite | $1,184 | $764 | $2,713 |
| Scotiabank Platinum American Express | $1,205 | $405 | $2,215 |
| Scotiabank American Express Card | $735 | $635 | $2,004 |
| American Express Gold Rewards Card | $995 | $395 | $1,786 |
Frequently asked questions
What are the best credit cards for gas?
On family spending ($3,350 a month), American Express SimplyCash Preferred ranks first: $1,136 in year 1 and $936 a year after fees. From year 2, Scotiabank Gold American Express keeps the most: $940 a year.
How were these cards picked?
Ranked by what a family's gas spending earns each year. The order comes from the same calculation as the comparison tool, with the same tie-breakers; commission never changes it.
Will the order be the same for me?
Only if you spend like the preset. This page sorts on gas alone, so a card with a lower rate there can still be worth more overall. Set your own numbers in the tool to see your order.
Sources
- Amex Cobalt card page
- Milesopedia points valuations, in effect since September 1, 2026
- Prince of Travel points valuations (cross-check, high end of range)
- CIBC Aventura Visa Infinite card page
- RBC Avion Visa Infinite card page
- PC World Elite Mastercard page
- WestJet RBC World Elite Mastercard page (70,000 points = up to $700 off travel)
- National Bank World Elite Mastercard page (redemption examples)
Estimates for information only; not financial advice. See how cards are ranked.