Compare Canadian Tire Credit Cards April 2021 | Finder Canada

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Compare Canadian Tire credit cards

Earn cash rewards to put towards your everyday purchases with these Canadian Tire credit cards.

Never lose your hard-earned “Canadian Tire money” again with a Canadian Tire Triangle reward card. This card lets you collect CT money at Canadian Tire and its partners across Canada. If you’re looking for something a little bit different, you can also apply for a cash back or gas savings card.

Best Canadian Tire credit cards

Canadian Tire cards are best-suited for customers who frequently shop at Canadian Tire or one of its partner stores. Some of the most frequently-used cards allow you to qualify for in-store credits, cash back rewards or discounts on gas. Mastercard is the only type of card on offer, so these cards probably won’t work for you if you have your heart set on a Visa or American Express.

Finder does not currently have access to this credit card provider. Please review the product details, application criteria and terms and conditions on the provider website if you are considering applying for this product.

Best for cash back rewards

Triangle Cash Advantage Mastercard

If you want to earn 3% cash back on everything from plywood to light fixtures to duct tape and three-quarter-inch screws, then this could be the perfect card for you.

With this card, you can earn up to 1.5% cash back on regular everyday purchases, and 2x the cash back on purchases made at Canadian Tire stores, Canadian Tire gas bars and Mark’s Work Wearhouse, SportChek and Atmosphere locations. This deal also applies to online purchases.

There’s no annual fee and you can even take advantage of no-interest financing when you spend $200 or more on your card at Canadian Tire locations across Canada.

The perks

  • No annual fee. Pocket the money you would normally spend on an annual fee.
  • 2x the rewards. If you frequent Canadian Tire regularly, you can benefit from double the rewards on all of your purchases.
  • Mobile app. Manage your rewards and payment schedule in one handy app.

Best for discounts on gas

Triangle Gas Advantage Mastercard

If you’re fueling up on the daily and looking to get discounts on gas, then you might like to check out the Gas Advantage Mastercard. It lets you instantly save up to 10 cents per litre on gas at Canadian Tire gas bars.

The amount you save depends on how much you spend in the previous month. For example, if you spend up to $499.99, you’ll only save 2 cents per litre, but if you spend over $1,000, you’ll net a savings of 8 cents per litre. Anything over $2,000 maxes out at 10 cents per litre.

On top of this, you can earn your gas discount 2x faster with Canadian Tire and Mark’s store purchases. This means that if you spend $400 at Canadian Tire in one month, they’ll treat it as $800 when calculating your rebate for the following month.

The perks

  • Zero fees. Avoid cutting into your savings and paying an annual fee.
  • Instant savings. Get discounts on gas at the pump.
  • 2x the rewards. Lock in a higher discount when you shop at Canadian Tire or Mark’s Work Wearhouse.

Best for collecting Canadian Tire money

Triangle Mastercard

If you want to stockpile Canadian Tire money without taking up space in your wallet, then the Triangle Mastercard could be right up your alley.

This card comes with no annual fee and offers a return of 4% in CT money when you shop at Canadian Tire, Sport Chek and some Mark’s Work Wearhouse and Atmosphere stores. You can also earn 5 cents in CT money at Gas+ and some Husky stations every time you fill up.

The Triangle World Elite card is another good option to collect CT money, because it allows you to collect an additional 3% on groceries and up to 7 cents per fill up. The only problem is you need to have a minimum income of $80,000 to qualify.

The perks

  • Fee-free. You won’t need to pay anything more on an annual fee.
  • Loyalty rewards. If you’re a regular customer at Canadian Tire or its partners, you can earn up to 4% in CT bucks to redeem in-store.

Canadian Tire Mastercard rewards program

Triangle Mastercards offer returns in the form of Canadian Tire money as well as gas rebates and cash back. The Triangle Mastercard, which offers a 4% return on Canadian Tire money (instead of the 0.4% collected by most customers) is probably the biggest draw for regulars.

How to redeem points

Canadian Tire money will accumulate on your Triangle account. You can then redeem cash in-store by showing your Triangle mobile app, Triangle Rewards card or key fob at the checkout. Gas purchases are redeemed instantly at the pump, so you won’t collect any points later on. Cashback offers, on the other hand, are applied as direct credits to your statement.

How much is CT money worth?

The Triangle rewards program offers 4% of the amount of your Canadian Tire purchase in CT money. This means if you spend $100 in-store or online, you’ll receive a $4 credit. If you spend $1,000, you’ll receive a $40 credit.

For the Gas Advantage Mastercard, you’ll get a direct savings of between 2 cents and 10 cents per litre. Many cars hold around 45-65 litres, so if you cap out your savings at 10 cents per litre, you could save up to $6.50 on every fill-up.

If you’re looking to take advantage of Canadian Tire’s cashback card, you can get a return of up to 1.5% on purchases. For a purchase of $500, this could amount to $7.50. If you spend $3,000 per month, you could stand to make around $45 every time.

Typical card benefits and features of a Canadian Tire card

Canadian Tire offers a number of credit cards for regular customers and those wanting to take advantage of a targeted rewards program. Each card offers its own range of unique features, but you can find some similar trademarks across the lot.

  • Fee-free cards. Canadian Tire doesn’t charge annual fees on its cards.
  • Zero interest financing. Take advantage of no-interest financing when you spend $200 or more on your card.
  • Tracked receipts. If you lose your receipt, you can return items using paperless tracking on the Triangle app.
  • Access to member-only events. Be the first to know about exclusive events and extra savings.
  • Personalized offers. Unlock offers tailored to your purchase history, including 30x points bonuses.
  • Mobile app. Organize your finances anywhere through the mobile app.
  • Customer service. Call in for quick and easy access to customer support if you run into any problems.
  • Optional add-ons. Pay a small monthly fee to access additional features, like emergency cash transfers and coverage for airline tickets.

How to apply for a credit card with Canadian Tire

You can apply for a credit card with Canadian Tire through its website. Before you apply, make sure you meet the minimum eligibility requirements and prepare some basic information.

Eligibility criteria

  • You must be at least 18 years old.
  • You must have a valid Social Security number.

Required documents

  • Full name and date of birth.
  • Street address and phone number.
  • Valid email address.
  • Total annual income.

How does Canadian Tire keep my credit card information safe?

Canadian Tire protects your personal and financial information by safeguarding sensitive information with 128-bit encryption. Customer authentication takes it one step further by preventing unauthorized access to your data by asking questions that only you know the answers to.

Additional phishing protection ensures you’re not providing personal information on fraudulent web sites (phishing is the act of setting up fake emails and web sites to “phish” for someone else’s account information).

Compare other credit cards

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
American Express Cobalt Card
45,000 points
Up to 5 points per $1 spent
19.99%
$120
Min. recommended credit score: 700
Earn up to 45,000 bonus Membership Rewards points in your first year as a new Cobalt Cardmember. Apply by May 5, 2021.
Tangerine World Mastercard
Balance transfer offer
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 680
Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
19.99%
$0
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
BMO Preferred Rate Mastercard
Balance transfer offer
N/A
12.99%
$20
Min. recommended credit score: 660
Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.
Scotiabank Value Visa Card
Balance transfer offer
N/A
12.99%
$29
Min. recommended credit score: 650
Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by July 1, 2021.
SimplyCash Card from American Express
1.25% cash back
Up to 2.5% cash back
19.99%
$0
Min. recommended credit score: 700
Earn 2.5% cash back on all eligible purchases in your first three months (up to a maximum spend of $6,000, or $150 in cash back).
Choice Card from American Express
12,500 points
1 point per $1 spent
19.99%
$0
Min. recommended credit score: 700
Earn 12,500 Bonus Membership Rewards points within the first 3 months as a new Cardmember. Apply by May 5, 2021.
Tangerine Money-Back Credit Card
Balance transfer offer
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 680
Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
HSBC +Rewards™ Mastercard®
30,000 points
2x points per $1 spent
11.9%
$0 annual fee for the first year ($25 thereafter)
Min. recommended credit score: 680
Earn 30,000 Points ($150 travel value), plus get a full annual fee rebate for the Primary Cardholder for the first year ($25 value). Apply by April 19, 2021. Conditions Apply. This offer is only available to residents of Canada other than the province of Quebec (Quebec residents eligible for separate offer).
Refresh Financial Secured Card
N/A
N/A
17.99%
$12.95
Min. recommended credit score: Any score
Take advantage of a low annual fee, with no credit check and guaranteed approval once you secure your card with some funds.
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Compare up to 4 providers

Name Product Purchase Interest Rate Balance Transfer Rate Balance Transfer Fee Annual Fee Minimum Income Reward Description
Tangerine World Mastercard
19.95%
1.95% for the first 6 months (then 19.95%)
3%
$0
$60,000
Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
BMO CashBack Mastercard
19.99%
1.99% for the first 9 months (then 22.99%)
1%
$0
$15,000
Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
BMO Preferred Rate Mastercard
12.99%
3.99% for the first 9 months (then 12.99%)
1%
$20
$15,000
Take advantage of an introductory balance transfer offer, annual fee waiver in the first year, and low purchase and cash advance interest rates.
Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.
Scotiabank Value Visa Card
12.99%
0.99% for the first 6 months (then 12.99%)
N/A
$29
$12,000
Save on interest for 6 months by consolidating your higher-rate balances with the balance transfer offer, and get an on-going 12.99% interest rate on purchases, cash advances and balance transfers.
Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by July 1, 2021.
Tangerine Money-Back Credit Card
19.95%
1.95% for the first 6 months (then 19.95%)
3%
$0
$12,000
Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
BMO Rewards Mastercard
19.99%
1.99% for the first 9 months (then 22.99%)
1%
$0
$15,000
Get 1 BMO Reward point for every $1 spent on eligible purchases, and get 2 BMO Rewards points for every $1 spent at participating National Car Rental and Alamo Rent A Car locations.
Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Apply by October 31, 2021 . Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
BMO AIR MILES Mastercard
19.99%
1.99% for the first 9 months (then 22.99%)
1%
$0
$15,000
Get up to 5x the AIR MILES Reward Miles on groceries Valid until May 31, 2021.Plus, get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and 1 AIR MILE for every $25 spent elsewhere.
Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). Get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
BMO AIR MILES Mastercard For Students
19.99%
1.99% for the first 9 months (then 22.99%)
1%
$0
N/A
Get up to 5x the AIR MILES Reward Miles on groceries Valid until May 31, 2021. Plus, get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). Get a 1.99% introductory interest rate on balance transfers for 9 months. A 1% fee applies to balance amounts transferred.
BMO CashBack Mastercard For Students
19.99%
1.99% for the first 9 months (then 22.99%)
1%
$0
N/A
Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
Get up to 5% cash back in the first three months (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers for 9 months (with a 1% transfer fee).
Scotia Momentum Visa Card
19.99%
2.99% for the first 6 months (then 22.99%)
N/A
$39
$12,000
Earn 2% cash back on all eligible gas station, grocery store and drug store purchases and on recurring bill payments (up to a $25,000 annual spend), and earn 1% cash back on all other eligible purchases (and on all eligible purchases once the $25,000 annual spend is reached).
Earn 7.5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, get a 2.99% introductory rate on balance transfers and a 0% balance transfer fee for the first 6 months. Apply by May 2, 2021.
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Compare up to 4 providers

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
American Express Cobalt Card
45,000 points
Up to 5 points per $1 spent
19.99%
$120
Min. recommended credit score: 700
Earn up to 45,000 bonus Membership Rewards points in your first year as a new Cobalt Cardmember. Apply by May 5, 2021.
Choice Card from American Express
12,500 points
1 point per $1 spent
19.99%
$0
Min. recommended credit score: 700
Earn 12,500 Bonus Membership Rewards points within the first 3 months as a new Cardmember. Apply by May 5, 2021.
HSBC +Rewards™ Mastercard®
30,000 points
2x points per $1 spent
11.9%
$0 annual fee for the first year ($25 thereafter)
Min. recommended credit score: 680
Earn 30,000 Points ($150 travel value), plus get a full annual fee rebate for the Primary Cardholder for the first year ($25 value). Apply by April 19, 2021. Conditions Apply. This offer is only available to residents of Canada other than the province of Quebec (Quebec residents eligible for separate offer).
BMO Rewards Mastercard
10,000 points
Up to 2 points per $1 spent
19.99%
$0
Min. recommended credit score: 725
Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Apply by October 31, 2021 . Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
BMO World Elite Mastercard
30,000 points
Up to 3 points per $1 spent
19.99%
$0 annual fee for the first year ($150 thereafter)
Min. recommended credit score: 760
Get up to 30,000 points and the $150 annual fee waived in the first year. Apply by October 31, 2021
Brim Mastercard
Up to $200 worth of bonuses
1 point per $1 spent
19.99%
$0
Min. recommended credit score: 700
Earn up to $200 worth of bonus points when you shop with Brim retailers for the first time through the Brim mobile app.
American Express Aeroplan Card
15,000 points
Up to 2x points per $1 spent
30% annual interest rate applies to balances not paid in full each month
$120
Min. recommended credit score: 700
Earn up to 15,000 Welcome Bonus Aeroplan points and a bonus Buddy Pass as a new cardmember.
BMO eclipse Visa Infinite
40,000 points
Up to 5 points per $1 spent
20.99%
$0 annual fee for the first year ($120 thereafter)
Min. recommended credit score: 760
Get up to 40,000 points and the $120 annual fee waived in the first year.
American Express Business Edge Card
42,000 points
Up to 3 points per $1 spent
19.99%
$99
Min. recommended credit score: 700
Earn up to 42,000 Membership Rewards points in your first year.
American Express AIR MILES Platinum Credit Card
2,000 Miles
Up to 1 Air Mile per $5 - $10 spent
20.99%
$120
Min. recommended credit score: 700
Earn a Welcome Bonus of 2,000 AIR MILES within the first three months. That’s enough to redeem for $200 towards your purchases with AIR MILES Cash.
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Compare up to 4 providers

Name Product Welcome Offer Cash Back Rate Purchase Interest Rate Annual Fee Min. Credit Score Reward Description
Tangerine World Mastercard
Balance transfer offer
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 680
Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
19.99%
$0
Min. recommended credit score: 660
Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
SimplyCash Card from American Express
1.25% cash back
Up to 2.5% cash back
19.99%
$0
Min. recommended credit score: 700
Earn 1.25% cash back on all eligible purchases.
Tangerine Money-Back Credit Card
Balance transfer offer
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 680
Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
SimplyCash Preferred Card from American Express
10% cash back
2% cash back
19.99%
$99
Min. recommended credit score: 700
Earn 2% cash back on all eligible purchases
BMO CashBack World Elite Mastercard
Up to 10% cash back
1.5% cash back
19.99%
$0 annual fee for the first year ($120 thereafter)
Min. recommended credit score: 760
Earn 1.5% cash back on all eligible purchases.
Shell CashBack Mastercard from BMO
$50 in cash back + 1% cash back
Up to 1.5% cash back
19.99%
$0
Min. recommended credit score: 660
Get 1.5% cash back at participating Shell locations in Canada (up to a maximum spend of $2,500 in any monthly billing period), and get 0.5% cash back everywhere else.
BMO Cashback Business Mastercard
10% cash back
Up to 1.75% cash back
19.99%
$0
Min. recommended credit score: 650
Earn 1.5% cash back on eligible gas purchases, office supplies and on cell phone and internet recurring payments, earn 1.75% cash back at participating Shell stations, and earn 0.75% on all other eligible card purchases.
BMO CashBack Mastercard For Students
5% cash back
Up to 3% cash back
19.99%
$0
Min. recommended credit score: 660
Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
Shell CashBack World Mastercard from BMO
N/A
Up to 3% cash back
19.99%
$79
Min. recommended credit score: 760
Get 3% cash back per $1 spent at Shells stations, 1.25% cash back on all other spend.
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Compare up to 4 providers

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
Tangerine World Mastercard
Balance transfer offer
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 680
Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
19.99%
$0
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,000). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
SimplyCash Card from American Express
1.25% cash back
Up to 2.5% cash back
19.99%
$0
Min. recommended credit score: 700
Earn 2.5% cash back on all eligible purchases in your first three months (up to a maximum spend of $6,000, or $150 in cash back).
Choice Card from American Express
12,500 points
1 point per $1 spent
19.99%
$0
Min. recommended credit score: 700
Earn 12,500 Bonus Membership Rewards points within the first 3 months as a new Cardmember. Apply by May 5, 2021.
Tangerine Money-Back Credit Card
Balance transfer offer
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 680
Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
BMO Rewards Mastercard
10,000 points
Up to 2 points per $1 spent
19.99%
$0
Min. recommended credit score: 725
Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Apply by October 31, 2021 . Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
Home Trust Secured Visa
N/A
N/A
14.90% - 19.99%
$0
Min. recommended credit score: Any score
Choose from three card options: No Annual Fee ($0 annual fee, 19.99% purchase rate), Low Interest Rate ($59 annual fee, 14.90% purchase rate) or a Low Monthly Fee ($5 monthly fee, 14.90% purchase rate).
Brim Mastercard
Up to $200 worth of bonuses
1 point per $1 spent
19.99%
$0
Min. recommended credit score: 700
Earn up to $200 worth of bonus points when you shop with Brim retailers for the first time through the Brim mobile app.
Shell AIR MILES Mastercard from BMO
800 Miles
Up to 3x Air Miles for every $25 spent
19.99%
$0
Min. recommended credit score: 660
Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).
Shell CashBack Mastercard from BMO
$50 in cash back + 1% cash back
Up to 1.5% cash back
19.99%
$0
Min. recommended credit score: 660
Get $50 in cash back bonuses once you charge your first eligible purchase to your card. Plus, earn 1% cash back for the first 6 months on all eligible purchases.