Compare Canadian Tire Credit Cards

If you’re a frequent shopper at Canadian Tire, you’ll be happy to know you can earn Canadian Tire “Money” wherever you shop, with one of their three unique credit cards. Input your spending profile, then compare, find and apply for the best Canadian Tire credit card for you.

Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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What type of rewards do you want to earn for every dollar you spend? Is cash back important to you? Would you prefer gift cards or store credit? What about free flights and hotels? Think about what's most important to you and what would help your budget the most, then look for the best cards to offer that reward. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. There are generally three types of people who use credit cards: individuals, students and businesses. If you are an individual who uses their credit card for daily living expenses, select Personal. If you are in school and on living on a tight budget, select Student. And if you are someone who uses a credit card to pay for business expenses, select Business. There are many different credit card reward programs available. If you have a preferred reward program, such as Aeroplan Miles, select your choice using the dropdown. Note that each card only uses one reward program. Enter the dollar amount you spend each month on your credit card. Edit your monthly spend by each spending category in the 'monthly spending by category' tab below.

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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Do you carry a balance on your credit card each month? This isn't how much you spend on your card, but how much you typically carry over into a new month. If so, write that amount here, so we can calculate how much interest you'll be charged.

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There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. There are generally three types of people who use credit cards: individuals, students and businesses. If you are an individual who uses their credit card for daily living expenses, select Personal. If you are in school and on living on a tight budget, select Student. And if you are someone who uses a credit card to pay for business expenses, select Business. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. If you are currently carrying a balance on another credit card, you may want to take advantage of a balance transfer promotional offer with one of the credit cards listed below. Enter the amount you would transfer to the new card, to find out what the promotional interest rate and period are.

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks.
Monthly spending by category
Monthly spending by category

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Credit card Purchase Interest Rate Balance transfer rate Annual fee Net reward (1st year) Monthly interest fee Monthly interest fee Required deposit
19.99% $0 $155 Get details
19.99% $0 $180 Get details
19.99% $0 $0 Get details
For a LIMITED time only, you will receive a FREE gift card from RateHub.ca to Starbucks, Homesense/Winners, or Amazon.ca upon approval of this card. Click “Get details” for more info.
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Canadian Tire credit card overview

Canadian Tire offers three rewards credit cards, giving you the opportunity to pick the card that has the rewards you want from the iconic Canadian store you love.

The Canadian Tire Options MasterCard is the best way to earn Canadian Tire “Money”, by using your card to make purchases at Canadian Tire and everywhere else you shop. As a cardholder, you also receive exclusive offers featured in the store flyer every week, and you can redeem your rewards for anything at Canadian Tire stores right at the register.

The Canadian Tire Gas Advantage MasterCard lets you save at least 2 cents and up to 10 cents off per litre of gas instantly at Canadian Tire Gas Bars. By swiping your gas credit card at the pump, you will instantly see the litre price turn back so you can fill up for less. As an introductory bonus, they often have offers, such as 10 cents off per litre automatically, for your first 30 days as a cardholder.

If you’d like to get cash back just for using your credit card, the Canadian Tire Cash Advantage MasterCard lets you earn up to 1.5% cash back on all eligible purchases anywhere you shop and up to 3% cash back at Canadian Tire stores, Canadian Tire Gas Bars and Mark’s Work Wearhouse/L’Équipeur stores. This no annual fee card lets you earn unlimited cash back per year, which is automatically applied to your account.


Other Canadian Tire Financial Services credit card products

In addition to these three credit cards, Canadian Tire Financial Services also offers its customers credit protection insurance and identity theft protection, to keep you secure and make your life a bit easier in case of unforeseen events.

Credit Protector is insurance for your Canadian Tire credit card payments, in case you lose your job, become disabled or pass away. Credit Protector can pay 3% of your outstanding balance, up to $1,000 per month, if you lose your job through no fault of your own or become disabled. If you or your spouse is diagnosed with a terminal illness and/or pass away, this service will pay your outstanding balance to a maximum of $20,000. Credit Protector costs approximately $1.10 per $100, plus applicable taxes, of your current month’s outstanding balance. For example, if you have a balance of $200, you would pay $2.20 plus taxes. If you have a monthly outstanding balance of $10 or less, Credit Protector is free.

Canadian Tire Financial Services also offers two identity theft protection products: Identity Watch Classic and Identity Watch Elite. Both products offer credit card protection that cancels and replaces services for your lost or stolen Canadian Tire credit cards. They provide Internet Personal Information Protection, which performs online monitoring of personal information that you register and reimburse you up to $75 a year for a computer tune-up. They also offer Rebound Asset Return Service, which helps return lost items to you that have an identifying Rebound sticker on. In addition to these services, Identity Watch Elite also includes travel and protection services, including emergency cash transfer and emergency airline tickets. You are also able to register on your mobile phone, making it easier to get access to the services you need.


More on Canadian Tire Financial Services

Founded in 1922, Canadian Tire Corporation, Ltd., is an iconic Canadian company comprised of retail, petroleum and financial services. There are almost 1,700 retail and gasoline outlets across Canada, making it convenient for cardholders to use their Canadian Tire credit cards to save at the gas pump, earn Canadian Tire “Money” or get cash back. Canadian Tire Financial Services offers credit cards, credit protection insurance, and an identity theft protection program that helps keep their cardholders safeguarded and secured.


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