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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 12 months)
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
0%
21.99% after 12 months
Card description
  • Limited time offer!
  • You could get a 0% promotional annual interest rate (“AIR”)† for 12 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)
  • Simplify your finances while enjoying platinum services
  • Access to 24/7 customer service
  • Around-the-clock-fraud protection
  • Immediate cash access at over 1 million ATMs worldwide
  • No annual fee
Features
  • 24/7 Customer Service
  • Fraud 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*
  • 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 Starpoint per $1 spent
Bonus offer $250 In statement credits
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%
*provided you make your minimum monthly payments on time
Balance transfer rate
N/A
Card description
  • Earn up to $250 in statement credits
    • New Starwood Preferred Guest® Credit Card from American Express Cardmembers, earn a statement credit of $100 after you charge $1500 in purchases to your Card in the first 3 months of Cardmembership. You can also earn a $150 statement credit after you charge $200 or more in purchases to your Card at participating Starwood or Marriott properties in your first 6 months of Cardmembership.
  • You can earn 2 Starpoints for every dollar of eligible purchases charged to the Card at participating SPG and Marriot Rewards hotels until July 31, 2018
  • Earn 1 Starpoint for every $1 in all other purchases charged to the Card
  • Enjoy a Free Weekend Night Award when you reach $40,000 in purchases each year
  • Experience Starwood Gold Preferred Guest status when you reach $30,000 in purchases each year
  • Redeem Starpoints for Free Nights with no blackout dates at over 1,300 of the world's most desired hotels in nearly 100 countries
  • Use Starpoints for flights on over 150 airlines with no blackout dates with SPG Flights
  • No annual fee on supplementary cards
  • Penalty APR on missed payments ranges from 23.99% to 26.99%
  • 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 1 Point per $1 spent
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
21.99%
Card description
  • Get MBNA Rewards for your purchases and redeem them for your passions, including travel, merchandise, or even cash back.
  • Earn 1 MBNA Rewards point‡ for every $1 in eligible purchases
  • Receive 5,000 bonus MBNA Rewards points after your first eligible purchase††. That's equivalent to $50 when redeemed for cash back or travel
  • Redeem points‡ for cash back, travel, brand-name merchandise, gift cards from top retailers and charitable donations
  • No annual fee
Features
  • Extended Warranty
  • Purchase Protection
  • Rental Car Insurance
  • Travel Benefits
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
11.99%
Cash advance rate
11.99%
Balance transfer rate
0.99%
11.99% after 6 months
Card description
  • Special 0.99% introductory interest rate on balance transfers for the first 6 months. For accounts opened by June 30, 2018.
  • Save hundreds of dollars in interest a year
  • Low 11.99% interest rate
  • Pay down balances faster
  • Simplify your monthly payments
  • Rates, fees and other information are effective as of March 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 June 30, 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.
Annual fee $0
Rewards rate 1 Best Western point per $1 spent
Bonus offer 20,000 Best Western Rewards 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
1.99%
21.99% after 10 months
Card description
  • Reward yourself with a free night's stay. You could get a FREE night with the Best Western Rewards® Mastercard® credit card‡
  • Earn 20,000 Best Western Rewards® points†† on your first purchase – enough for a free night stay
  • Earn 1 Best Western Rewards® point for every $1 in eligible purchases‡
  • Earn 5 Best Western Rewards® points for every $1 in eligible purchases at Best Western properties‡
  • You will be awarded "Gold Status" upon first use of your credit card and "Diamond Status" when you spend $10,000 in eligible purchases within one year♦♦
  • No limit to the Best Western Rewards® points that can be earned using the credit card in a year
  • Use your Best Western Rewards® points in many ways – hotel stays, dining, gift cards and more
  • You could get a 1.99% promotional annual interest rate (“AIR”)† for 10 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)
Features
  • No Limit on Points Earned
Annual fee $0
Rewards rate 5% Cash back (first 6 months)
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
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 SimplyCash™ Card from American Express Cardmembers can earn 5% cash back on all eligible purchases at gas stations, grocery stores and restaurants in Canada (up to $250 cash back) for the first 6 months of Cardmembership
  • Earn 1.25% cash back on all other purchases and when your Welcome Rate ends
  • No limit to the amount of cash back you can earn
  • 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%
  • Access to memorable experiences with American Express Invites®
  • Insurance 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 and current product information click the Apply now link.
  • Conditions apply
Features
  • 24/7 Customer Service
  • Entertainment Benefits
  • Extended Warranty
  • Free Supplementary Card
  • Purchase Protection
  • Rental Car Insurance
  • Travel Insurance
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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