🏆 Best card by brand

Best credit card for 🛢️ Esso gas

Esso/Mobil uses PC Optimum: 10 pts/L base, and -10¢/L redemptions from 4,000 pts (max 40 L).

Stacked savings

-8.5 ¢/L

with the best stack (2 cards)

Quebec stations

466

Regular avg

187.6 ¢/L

50 L fill

$93.80

posted price

50 L savings

-$4.25

with best stack

🥇 The winning combination

Stack these 2 cards to maximize savings at Esso.

1

PC Optimum @ Esso/Mobil · ~1¢/L in points

Base: 10 PC Optimum pts/L on fuel (1,000 pts = $1). Some PC Financial cards add points.

-1.0 ¢/L No annual fee Net after fee: 1.0 ¢/L
See official program ↗
2

Triangle Mastercard (Canadian Tire) · 4 % CT Money + Gas+

No annual fee. At Gas+ (Canadian Tire/Husky), instant -3¢/L + 4% in Canadian Tire Money. 7%+ effective if you already shop at Canadian Tire.

-7.5 ¢/L No annual fee Net after fee: 7.5 ¢/L
See official program ↗

Official links. InfoGas currently earns no commission from the links above. Terms can change, so always verify the issuer's site.

🎁 Loyalty program

PC Optimum (1,000 pts = $1). Some PC Financial cards add bonus points at the pump.

📊 Quebec network

~340 stations in Quebec, Mobil included. Strong highway presence. PC Optimum redemptions very popular.

All applicable cards ranked

Effective per-litre value, net of annual fee amortised over 1,500 L/year.

Card Gross Net

Triangle Mastercard (Canadian Tire) · 4 % CT Money + Gas+

-7.5 ¢/L -7.5 ¢/L

Tangerine Money-Back · 2 % cash back (gas category)

-3.8 ¢/L -3.8 ¢/L

Brim World Elite Mastercard · 2 % universal cash back

-3.8 ¢/L -3.8 ¢/L

RBC ION+ Visa · 3 % cash back (gas and more)

-5.6 ¢/L -2.4 ¢/L

Neo Mastercard · 1% standard, more at partners

-1.9 ¢/L -1.9 ¢/L

PC Optimum @ Esso/Mobil · ~1¢/L in points

Esso-specific
-1.0 ¢/L -1.0 ¢/L

CIBC Dividend Visa Infinite · 4 % cash back

-7.5 ¢/L --0.5 ¢/L

Scotia Momentum Visa Infinite · 4 % cash back

-7.5 ¢/L --0.5 ¢/L

American Express Cobalt · 2× points on gas

-3.8 ¢/L --6.6 ¢/L

Desjardins Cash Back World Elite Visa · 1 % to 5 %

-1.9 ¢/L --6.8 ¢/L

⛽ Cheapest Esso in Quebec

Map →
Station Regular
Esso Grenville
54 rue Maple, Grenville
167.9 ¢/L
BCP IV Service Station LP
220 boul. Omer-Marcil, Saint-Jean-sur-Richelieu
167.9 ¢/L
BCP IV Service Station LP
367 rue Principale, Lachute
174.9 ¢/L
Dépanneur Chez Dan
638 rte 219, Hemmingford (village & canton)
174.9 ¢/L
Place Saint Bernard de Lacolle inc.
105 ch. Pleasant Valley sud, Saint-Bernard-de-Lacolle
174.9 ¢/L
Couche-Tard inc.
3 ch. Fairfax, Stanstead (ville & canton)
175.9 ¢/L

Other brands

Methodology

Ranking combines the instant per-litre discount (combo cards like RBC × Petro-Canada) with loyalty-program value (PC Optimum, Petro-Points) and percentage cashback (applied to the current Quebec reference price: 187.6 ¢/L).

Annual fees are amortised over a typical Quebec driver's 1,500 L/year (~18,000 km at 8.3 L/100). If you drive more, adjust: a $120 fee is 8 ¢/L at 1,500 L but 4 ¢/L at 3,000 L.

This is not financial advice under AMF regulations — it's a public comparison of programs as advertised by each issuer. Verify terms on their site before applying.

Frequently asked questions

What is the best credit card for filling up at Esso in Quebec?

The most rewarding combination at Esso is "PC Optimum @ Esso/Mobil · ~1¢/L in points", for roughly 8.5 ¢/L in stacked savings with the best stack. The full ranking, with annual fees amortised, is below.

How much can I save at Esso with the right card?

With the best stack (~8.5 ¢/L), a 50 L fill saves about $4.25. Over a year at 1,500 L, the gap between the best and worst card runs into the tens of dollars.

Does Esso have a loyalty program?

PC Optimum (1,000 pts = $1). Some PC Financial cards add bonus points at the pump.