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Canadian Tire credit cards

Not only is Canadian Tire the country’s first non-deposit lender, it’s also the creator of its first loyalty program: Canadian Tire Money.
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Showing 1 — 10 of 43
Annual fee $0
Rewards rate N/A
Bonus offer 0% Interest rate on balance transfers (first 6 months)
Card details
Network
Mastercard
Provider
MBNA
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
12.99%
Cash advance rate
24.99%
Balance transfer rate
0%
12.99% after 6 months
Card description
  • No annual fee
  • Standard Annual Interest Rates of 12.99% on eligible purchases, 12.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
  • You could get a 0% promotional annual interest rate (“AIR”)† for 6 months on balance transfers✪ completed within 90 days of account opening, with a fee of 1% of the amount advanced (minimum fee of $7.50). Limited time offer, apply online by December 31, 2018.
  • Around-the-clock fraud protection
  • Access to 24/7 customer service
  • Immediate cash access at over 1 million ATMs internationally
Features
  • 24/7 Customer Service
  • Fraud Protection
Annual fee $0
Rewards rate 2% Cash back on two categories of your choice
Bonus offer 1.95% Interest rate on balance transfers (first 6 months)
Card details
Network
Mastercard
Provider
Tangerine
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.95%
Cash advance rate
19.95%
Balance transfer rate
1.95%
19.95% after 6 months
Card description
  • Get a 1.95% interest rate on balance transfers for the first 6 months, with a fee of 1% of the amount advanced
    • Only available for 30 days after being approved for a Tangerine Credit Card
  • Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.5% Money-Back Rewards on all other purchases
  • Get three 2% Money-Back Categories if you choose to have your Rewards deposited into your Tangerine Savings Account, or two 2% Money-Back Categories if your Rewards are deposited back onto your Credit Card
  • No limit on the amount of Money-Back Rewards you can earn
  • No annual fee
  • 2.5% Foreign Conversion Fee
  • Free Cards for Authorized Users on your Account
  • Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
  • Change your 2% Money-Back Categories to suit your spending.
  • Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account.
  • Purchase Assurance and Extended Warranty
  • Accepted worldwide at more than 24 million locations in over 210 countries
  • Mastercard Zero Liability
Features
  • Extended Warranty
  • Free Supplementary Card
  • Purchase Protection
Annual fee $0
Rewards rate N/A
Bonus offer 1.99% Interest rate on balance transfers (first 6 months)
Card details
Network
American Express
Provider
American Express
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
8.99%
Cash advance rate
8.99%
Balance transfer rate
1.99%
8.99% after 6 months
Card description
  • Enjoy a low 8.99% interest rate on purchases
    • Penalty APR on missed payments ranges from 23.99% to 26.99%
  • Have the flexibility to pay your balance in full or over time
  • Optional Balance Transfer Offer to new Cardmembers – Enjoy a special 1.99% introductory interest rate on transferred balances in the first 6 months if you choose to transfer your other credit card balances to this American Express card at the time of online application. There is no balance transfer fee at the time of application.
  • No annual fee for supplementary cards
  • Access to memorable experiences with American Express InvitesTM
  • Shopping coverage and 24/7 Customer Service
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link.
  • Conditions apply
Features
  • 24/7 Customer Service
  • Purchase Protection
  • Travel Insurance
Annual fee $0
Rewards rate 2 Air Miles reward miles per $20 spent*
Bonus offer 500 Bonus Air Miles
Card details
Network
Mastercard
Provider
BMO Bank of Montreal
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
1.99%
22.99% after 9 months
Card description
  • Limited time: Get 500 AIR MILES Bonus Miles*
  • Get a 1.99% introductory interest rate on balance transfers for 9 months*
    • 1% fee applies to balance amounts transferred*
  • Get 2x the Miles for every $20 spent at participating AIR MILES Partners*
  • Get 1 Mile for every $20 spent everywhere else*
  • Use your BMO AIR MILES Mastercard and AIR MILES Collector Card at an AIR MILES Partner to earn Reward Miles from both*
  • No annual fee*
  • Get up to 25% off rentals at National Car Rental and Alamo Rent A Car*
  • FREE additional cards
  • Extended Warranty*
  • Purchase Protection*
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information.
  • *Terms and conditions apply
Features
  • Extended Warranty
  • Free Supplementary Card
  • Purchase Protection
  • Rental Car Discounts
  • Travel Benefits
Annual fee $0
Rewards rate 1 Air Miles reward mile per $20 spent
Bonus offer 500 Bonus Air Miles
Card details
Network
American Express
Provider
American Express
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
22.99%
*provided you make your minimum monthly payments on time
Balance transfer rate
1.99%
22.99% after 6 months
Card description
  • New American Express® AIR MILES®* Credit Card Cardmembers, earn a Welcome Bonus of 500 AIR MILES®* Reward Miles when you charge a total of $500 in purchases to your Card within your first three months of Cardmembership
  • Earn 1 reward mile for every $15 in Card purchases at AIR MILES®* Sponsors
  • Earn 1 reward mile for every $20 in purchases you charge to the Card everywhere else
  • Optional Balance Transfer Offer to new Cardmembers - Enjoy a special 1.99% introductory interest rate on transferred balances in the first 6 months if you choose to transfer your other credit card balances to this American Express card at time of online application. There is no balance transfer fee at time of application.
  • No annual fee for supplementary cards
  • Penalty APR on missed payments ranges from 23.99% to 26.99%
  • Shop at participating AIR MILES®* Sponsors across Canada with your American Express AIR MILES Credit Card and your AIR MILES®* Collector Card, and you can earn reward miles twice
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply
Features
  • 24/7 Customer Service
  • Entertainment Benefits
  • Extended Warranty
  • Purchase Protection
  • Travel Insurance
Annual fee $120
Rewards rate 2 Points per $1 spent
Bonus offer 50,000 Bonus points
Card details
Network
American Express
Provider
American Express
Credit needed
Excellent
Fees and interest
Annual fee
$120
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
N/A
Card description
  • New Starwood Preferred Guest®* Credit Card from American Express Cardmembers, earn 50,000 bonus points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership.*
  • Earn 5 points for every dollar in eligible Card purchases at participating SPG®* and Marriott Rewards®* properties.*
  • Earn 2 points for every $1 in all other Card purchases.*
  • Receive an Annual Free Night Award at eligible hotels and resorts worldwide every anniversary*
  • No annual fee on Supplementary Cards.
  • Penalty APR on missed payments ranges from 23.99% to 26.99%.
  • Redeem points for free nights with no blackout dates at over 6,500 of the world's most desired hotels.*
  • Automatic Silver Elite status membership.*
  • Enjoy an automatic upgrade to Starwood Gold Elite status when you reach $30,000 in purchases on the Card each year.*
  • *American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.
Features
  • 24/7 Customer Service
  • Entertainment Benefits
  • Extended Warranty
  • Purchase Protection
  • Rental Car Insurance
  • Travel Benefits
Annual fee $0
Rewards rate 2 Points per $1 spent on gas, groceries, and restaurant purchases
Bonus offer 5,000 Bonus points
Card details
Network
Mastercard
Provider
MBNA
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
24.99%
Balance transfer rate
22.99%
Card description
  • Accelerate rewards points on common purchases!
  • No annual fee
  • 1 point‡ for every $1 in eligible purchases
  • 2 points‡ for every $1 spent on eligible gas, groceries and restaurant purchases ($5,000 annual cap on each category)
  • Receive 2,500 bonus points†† after your first eligible purchase within the first 90 days of account opening
  • Receive 2,500 bonus points†† once enrolled for e-statements within the first 90 days of account opening
  • Redeem points‡ for travel, brand-name merchandise, gift cards from participating retailers, cash back, and charitable donations
  • Standard Annual Interest Rates of 19.99% on eligible purchases, 22.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
  • A suite of comprehensive insurance**
Features
  • Extended Warranty
  • Purchase Protection
  • Rental Car Insurance
  • Travel Benefits
Annual fee $39
Rewards rate N/A
Bonus offer 0% Interest rate on balance transfers (first 6 months)
Card details
Network
Mastercard
Provider
MBNA
Credit needed
Good
Fees and interest
Annual fee
$39
Purchase interest rate
8.99%
Cash advance rate
24.99%
Balance transfer rate
0%
8.99% after 6 months
Card description
  • $39 annual fee
  • Standard Annual Interest Rates of 8.99% on purchases, 8.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
  • You could get a 0% promotional annual interest rate (“AIR”)† for 6 months on balance transfers✪ completed within 90 days of account opening, with a fee of 1% of the amount advanced (minimum fee of $7.50). Limited time offer, apply online by December 31, 2018.
  • A suite of comprehensive insurance**
  • Around-the-clock-fraud protection
  • Access to 24/7 customer service
Features
  • 24/7 Customer Service
  • Fraud Protection
Annual fee $29
Rewards rate N/A
Bonus offer 0.99% Interest rate on balance transfers (first 6 months)
Card details
Network
VISA
Provider
Scotiabank
Credit needed
Good
Fees and interest
Annual fee
$29
Purchase interest rate
12.99%
Cash advance rate
12.99%
Balance transfer rate
0.99%
12.99% after 6 months
Card description
  • Special 0.99% introductory interest rate on balance transfers for the first 6 months. For accounts opened by October 31, 2018.
  • Save hundreds of dollars in interest a year
  • Low 12.99% interest rate
  • Pay down balances faster
  • Simplify your monthly payments
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
Annual fee $99
Rewards rate 4 Scotia Rewards points per $1 spent on eligible purchases
Bonus offer 15,000 Bonus Scotia Rewards points
Card details
Network
American Express
Provider
Scotiabank
Credit needed
Good
Fees and interest
Annual fee
$99
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description
  • Earn 15,000 bonus points with your first $1,000 in everyday purchases in the first 3 months - worth $150 in travel. For accounts opened by October 31, 2018.
  • Earn up to 4x Scotia Rewards points for every $1 you spend at eligible gas stations, grocery stores, on dining and entertainment
  • Earn one point on all other eligible purchases
  • Complimentary Concierge Services 24/7
  • Rates, fees and other information are effective as of March 1, 2018. Subject to change.
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The Canadian Tire advantage

 

Canadian Tire has been working hard lately to reinvent itself as a modern retailer, where consumers can enjoy a seamless shopping experience on their mobile device or in a physical store. A big part of that push has included a refresh of Canadian Tire’s portfolio of Mastercard credit cards. Canadian Tire’s famous Money loyalty program is now digitized, and you can use the company’s cards to earn Money on everyday purchases around the world.

Here’s what you get when you choose Canadian Tire for your credit card needs.

 

Collect Canadian Tire money faster

Canadian Tire recently introduced a new app to complement its Mastercard portfolio. Now you can earn twice the Canadian Tire Money you normally would when you shop with any one of the store’s cards and watch them accumulate in the app. Money can be earned at Sport Chek®, Mark’s®, PartSource® and participating Canadian Tire gas bars. You’ll also be sent personalized special offers through the app.

 

Get cash back

Earn up to 1.5% cash back per dollar spent on eligible purchases. This includes transactions made at grocery stores, retailers, drugstores, movie theatres and restaurants. Earn double the rewards (3%) on everything you buy at Canadian Tire, Mark’s Work Wearhouse, and Canadian Tire gas bars. There’s no limit on the amount of cash back you can earn annually and your cash will be automatically applied to your account every year.

 

Finance your purchases through your card

When you sign up for a Canadian Tire Mastercard, you can finance purchases of $200 or more at Canadian Tire, Sport Chek and participating Mark’s Work Wearhouse stores. There’s no fee and you pay no interest. You’ll be required to pay off the balance over a series of 12 equal payments.
 

Pay bills with your card

You can pay recurring bills with your Mastercard — and earn Canadian Tire Money at the same time.

Recommended Canadian Tire credit card

 

With its debut in 2015, the Canadian Tire Options MasterCard is the company’s latest card offering.

Most popular card

 

Canadian Tire Options MasterCard

The Canadian Tire Options MasterCard is the only gamified rewards card in Canada. Use the card to unlock badges to earn Canadian Tire Money and special offers. For every 10 badges earned, members can collect 10 times bonus Canadian Tire Money on your purchases at Canadian Tire. There’s no annual fee.

 

About Canadian Tire

 

Before becoming a national franchise, Canadian Tire, founded in 1922, began as a humble garage and tire store in Toronto. By 1968, the company had grown large enough to enter the lucrative financial services business. That arm of the business has evolved and the company now offers a variety of cards — cash back, rewards and gas cards — through its partnership with Mastercard. With almost 90% of the country’s population living within 15 minutes of a Canadian Tire store, there’s certainly plenty of opportunity to earn store points. If you’re not already a frequent Canadian Tire customer, the company is intent on changing on your habits. Watch this space for even more enticing offers in the future.

More ways to find a great rate