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Real net price

Cards, points and memberships that change the true fuel price

This page explains the assumptions used by the net-price calculator. Values are estimates per litre for comparison only; always check the issuer's official conditions before applying for or using a product.

How it works

The calculator starts from the official posted price, applies confirmed fuel discounts or estimated point value, then compares stations.

Important

Some offers require point redemption, membership, caps or a specific app flow. These rules should affect ranking only when the user enables them.

Coming next

Local wallet, annual caps, temporary promo calendar and alerts when a brand becomes genuinely cheaper for your own setup.

Shell loyalty transition

Shell says AIR MILES continues at Shell stations outside Alberta through May 25, 2026, and Scene+ starts in the rest of Canada on May 26, 2026. The calculator currently models the confirmed CAA fuel discount; Scene+ rules should be added only after launch terms are stable.

Brand-linked programs

RBC × Petro-Canada · 3 c/L instant discount

Brands: Petro-Canada, Petro Canada

3.0 c/L

Linked eligible RBC card + Petro-Points at the pump.

Official terms / source ↗

+ RBC Petro-Points bonus · ~1.2 c/L value

Brands: Petro-Canada, Petro Canada

1.2 c/L

Estimated Petro-Points value (1,000 points = $1).

+ Avion Rewards (RBC Avion) · up to ~2.8 c/L value

Brands: Petro-Canada, Petro Canada

2.8 c/L

Estimated Avion point value for eligible RBC Avion cards.

Official terms / source ↗

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

Brands: Esso, Mobil

1.0 c/L

Base earn: 10 PC Optimum points/L on fuel. Some PC Financial cards add more points.

Official terms / source ↗

PC Optimum @ Esso · 10 c/L redemption

Brands: Esso

10.0 c/L

One-off redemption, not an automatic discount on every fill-up.

Requires 4,000 PC Optimum points; up to 40 L; participating Esso stations.

Official terms / source ↗

CAA-Québec × Shell · 3 c/L fuel discount

Brands: Shell

3.0 c/L

In Quebec, the confirmed benefit is the fuel discount. Car wash and convenience-store benefits can vary by province.

Official terms / source ↗

Costco × CIBC Costco MC · 1% at Costco Gas

Brands: Costco

1%

Costco gas does not earn the Executive 2% reward.

Costco membership required.

Journie Rewards @ Ultramar · 7 c/L after 300 points

Brands: Ultramar

7.0 c/L

Do not apply by default: this is an earned reward, not a permanent discount.

Reward after 300 Journie points; litre cap and expiry rules apply.

Official terms / source ↗

Generic gas cards

Card Estimated value
CIBC Dividend Visa Infinite · 4% cash back 4%
Scotia Momentum Visa Infinite · 4% cash back 4%
Tangerine Money-Back · 2% cash back if gas category selected 2%
RBC ION+ Visa · estimated 3% value on gas 3%

Commercial transparency

Partner links may be added later. They must never change the natural ranking: recommendations should stay based on real cost, distance and price confidence.