Merchants • Gas

Best Credit Cards for Esso

Among the cards CardTruth has reviewed, the American Express Cobalt Card earns the most at Esso: 2x points, worth ≈4% of what you spend. Compare the top two →

Cards accepted

In store
Visa, Mastercard and American Express
Online
None

Esso and Mobil stations also earn PC Optimum points per litre, on top of your card's rewards.

How purchases code (MCC)

  • 5541Service stationsCommonly reported

    Paying inside usually codes as a service station.

  • 5542Automated fuel dispensersCommonly reported

    Paying at the pump usually codes as an automated fuel dispenser. Cards with a gas rate normally include both codes; the in-store convenience purchases can code differently.

A purchase's code is set by the merchant's payment processor and card network, not by your card, and it can differ by location, network and over time (American Express classifies merchants itself). Your statement shows how a purchase actually coded. Last verified October 2026.

Personal cards accepted in store

  1. Amex CobaltCategory match
    ≈4%2x points
  2. Amex GoldCategory match
    ≈4%2x points
  3. CIBC Dividend Visa InfiniteCategory match · Spending cap applies
    4%4% back
  4. Amex SimplyCash PreferredCategory match · Spending cap applies
    4%4% back
  5. BMO eclipse Visa InfiniteCategory match · Spending cap applies
    ≈3.35%5x points
Show all 80 personal cardsShow fewer
  1. BMO eclipse Visa Infinite PrivilegeCategory match · Spending cap applies
    ≈3.35%5x points
  2. BMO CashBack World EliteCategory match · Spending cap applies
    3%3% back
  3. BMO VIPorter World EliteCategory match · Spending cap applies
    ≈3%2x points
  4. CIBC Aeroplan Visa InfiniteCategory match · Spending cap applies
    ≈3%1.5x points
  5. CIBC Aeroplan Visa Infinite PrivilegeCategory match · Spending cap applies
    ≈3%1.5x points
  6. CIBC Dividend Platinum VisaCategory match · Spending cap applies
    3%3% back
  7. RBC Cash Back PreferredCategory match
    3%3% back
  8. Scotia Gold AmexCategory match · Spending cap applies
    ≈3%3x points
  9. TD Aeroplan InfiniteBy merchant code · Spending cap applies
    ≈3%1.5x points
  10. TD Aeroplan PrivilegeBy merchant code · Spending cap applies
    ≈3%1.5x points
  11. TD Cash Back InfiniteCategory match · Spending cap applies
    3%3% back
  12. Amex Aeroplan ReserveBase rate
    ≈2.5%1.25x points
  13. RBC Avion PrivilegeBase rate
    ≈2.25%1.25x points
  14. RBC ION+Category match
    ≈2.13%3x points
  15. Amex Aeroplan CardBase rate
    ≈2%1x points
  16. Amex GreenBase rate
    ≈2%1x points
  17. CIBC Aeroplan VisaCategory match · Spending cap applies
    ≈2%1x points
  18. CIBC Aeroplan Visa (Student)Category match · Spending cap applies
    ≈2%1x points
  19. CIBC Aventura Visa Infinite PrivilegeCategory match · Spending cap applies
    ≈2%2x points
  20. CIBC Costco MastercardCategory match · Spending cap applies
    2%2% back
  21. Momentum VisaCategory match · Spending cap applies
    2%2% back
  22. Momentum Visa (Student)Category match · Spending cap applies
    2%2% back
  23. Momentum Infinite+Category match · Spending cap applies
    2%2% back
  24. Scotiabank AmexCategory match · Spending cap applies
    ≈2%2x points
  25. Scotiabank Amex (Student)Category match · Spending cap applies
    ≈2%2x points
  26. Scotia Platinum AmexBase rate
    ≈2%2x points
  27. Amex SimplyCashCategory match · Spending cap applies
    2%2% back
  28. TD Aeroplan PlatinumBy merchant code · Spending cap applies
    ≈2%1x points
  29. Amex PlatinumBase rate
    ≈2%1x points
  30. WS Visa Infinite+Base rate
    2%2% back
  31. WS Visa Infinite PrivilegeBase rate
    2%2% back
  32. WestJet World EliteCategory match
    ≈2%2x points
  33. Marriott Bonvoy AmexBase rate
    ≈1.8%2x points
  34. RBC Avion InfiniteBase rate
    ≈1.8%1x points
  35. RBC Avion PlatinumBase rate
    ≈1.8%1x points
  36. moi RBC VisaCategory match
    ≈1.6%2x points
  37. BMO VIPorter MastercardCategory match · Spending cap applies
    ≈1.5%1x points
  38. CIBC Aventura Gold VisaCategory match · Spending cap applies
    ≈1.5%1.5x points
  39. CIBC Aventura Visa InfiniteCategory match · Spending cap applies
    ≈1.5%1.5x points
  40. RBC British AirwaysBase rate
    ≈1.5%1x points
  41. BMO Blue Rewards World EliteCategory match · Spending cap applies
    ≈1.34%2x points
  42. More Rewards InfiniteCategory match
    ≈1.2%8x points
  43. RBC IONCategory match
    ≈1.07%1.5x points
  44. CIBC Aventura VisaCategory match · Spending cap applies
    ≈1%1x points
  45. CIBC Aventura Visa (Student)Category match · Spending cap applies
    ≈1%1x points
  46. CIBC Dividend VisaCategory match · Spending cap applies
    1%1% back
  47. CIBC Dividend Visa (Student)Category match · Spending cap applies
    1%1% back
  48. PC Insiders World Elite MastercardCategory match
    1%1% back
  49. PC MastercardCategory match
    1%1% back
  50. PC World Elite MastercardCategory match
    1%1% back
  51. PC World MastercardCategory match
    1%1% back
  52. RBC Cash Back MCCategory match
    1%1% back
  53. Momentum MastercardCategory match
    1%1% back
  54. Momentum No-Fee VisaCategory match · Spending cap applies
    1%1% back
  55. Momentum No-Fee (Student)Category match · Spending cap applies
    1%1% back
  56. Scotia Passport PrivilegeBase rate
    ≈1%1x points
  57. Scotia Passport Infinite+Base rate
    ≈1%1x points
  58. Scotia Scene+ VisaBase rate
    ≈1%1x points
  59. Scotia Scene+ Visa (Student)Base rate
    ≈1%1x points
  60. ScotiaGold PassportBase rate
    ≈1%1x points
  61. TD Cash Back VisaCategory match · Spending cap applies
    1%1% back
  62. TD First Class TravelBase rate
    ≈1%2x points
  63. WestJet RBC MCBase rate
    ≈1%1x points
  64. CIBC Adapta MastercardBase rate
    ≈0.83%1x points
  65. CIBC Adapta Mastercard (Student)Base rate
    ≈0.83%1x points
  66. More Rewards VisaCategory match
    ≈0.75%5x points
  67. TD Platinum TravelBase rate
    ≈0.75%1.5x points
  68. RBC U.S. Dollar GoldBase rate
    ≈0.71%1x points
  69. BMO Ascend World EliteBase rate
    ≈0.67%1x points
  70. BMO Blue Rewards MastercardCategory match · Spending cap applies
    ≈0.67%1x points
  71. BMO CashBack MastercardBase rate
    0.5%0.5% back
  72. CIBC USD Aventura Gold VisaBase rate
    ≈0.5%0.5x points
  73. BMO CashBack Mastercard (Student)Base rate
    0.5%0.5% back
  74. TD Rewards VisaBase rate
    ≈0.5%1x points
  75. BMO eclipse rise VisaBase rate
    ≈0.34%0.5x points

Business cards

  1. Marriott Bonvoy Business AmexCategory match
    ≈2.7%3x points
  2. Amex Aeroplan Business ReserveBase rate
    ≈2.5%1.25x points
  3. Amex Business PlatinumBase rate
    ≈2.5%1.25x points
Show all 4 business cardsShow fewer
  1. Amex Business Gold RewardsBase rate
    ≈2%1x points

Values are cash-back equivalents: percentage rates as stated, and points at CardTruth's estimated point value (each teardown's Points & Redemption section explains it). Rates come from each card's terms; welcome offers aren't included. Confirm current rates with the issuer before you rely on them.