As one of Canada's largest retailers, Canadian Tire offers a lineup of Mastercards for customers to earn even more rewards when shopping at their stores.

There stores include:

  • Canadian Tire,
  • Mark's,
  • Canadian Tire Gas+,
  • Husky, and
  • Atmosphere.

You can choose from earning even more Triangle Rewards, or old fashioned cash back.

So what does Canadian Tire have to offer for credit cards? Here’s their current credit card line up, and some alternatives for you to consider. As a bonus, every card listed here has no annual fee.

Canadian Tire MastercardAlternative Credit Cards To Consider
Canadian Tire Triangle Mastercard*
Canadian Tire Triangle World Elite Mastercard*
Canadian Tire Cash Advantage Mastercard*

Entry level Triangle Mastercard

Canadian Tire's Triangle Mastercards are best known for earning Canadian Tire Money. Their entry level card is the .

On your purchases, you'll earn:

  • 4% pre-tax at Canadian Tire stores,
  • 5 cents per litre at Gas+ and Husky stations, and
  • 0.8% on all other purchases.

One thing to note about the Canadian Tire earn rate of 4% – it's only on the pre-tax amount, and also includes what all regular Triangle members earn.

Taking an average sales tax rate of 13%, and the regular Triangle members earn rate of 0.4%, it's really only 3.19%. Still good, but not quite as good as advertised.

So while the bonus earn rates are good, it’s the 0.8% return everywhere else that really makes this card worth considering.

Complementary cards to consider

So how can we do better than that 0.8% base earn rate? Here are 2 no annual fee credit cards that will help boost your rewards.

TThe first is the , which earns 1% on all purchases and has no foreign transaction fees.

Another one is the . It only has a 0.5% base earn rate, but allows you to pick up to 3 categories where you can earn 2% cash back.

Related: Best No Annual Fee Credit Cards In Canada For 2020

A premium Triangle Mastercard

If you meet the steep income requirements of either $80,000 personal or $150,000 household, the makes for a great no fee credit card.

With this card, which also earns Canadian Tire Money, you'll earn:

  • 4% pre-tax at Canadian Tire stores,
  • up to 7 cents per litre at Gas+ and Husky stations,
  • 3% cash back on groceries, up to $12,000 spent per year, and
  • 1% on all other purchases.

Again, that 4% pre-tax at Canadian Tire stores is really 3.19% for proper comparison to other credit cards.

The grocery store earning is also great, but Canadian Tire has specifically excluded Walmart and Costco stores from earning 3% cash back. And, this is capped at $12,000 in annual spend.

One major benefit of this card is that it includes free roadside assistance. You'll get free membership for the Canadian Tire Gold roadside assistance plan, and you can choose whether you want to cover any vehicle the cardholder drives, or one specific vehicle.

Top earnings, roadside assistance, and no annual fee? There's a lot here worth thinking about.

Alternative cards to consider

Would you prefer to earn straightforward cash back rewards, instead of just being able to redeem at Canadian Tire? These cash back cards will earn you more, and more flexible, rewards.

First is the . You'll earn 4% cash back on groceries and recurring bill payments, 2% cash back on gas and transit, and 1% on all other purchases.

Or, if you still want roadside assistance, there's the . You'll earn 3% cash back on gas, groceries, and recurring bills, while earning 1% back on every other purchase. Plus, it includes TD Deluxe Roadside Assistance.

Related: Canada's Best Credit Card For Shopping 2020

A no fee cash back credit card

Canadian Tire also offers a cash back card – the .

With it, you can earn up to 1.5% cash back on a sliding scale:

  • 0.25% cash back on the first $1,500 spent annually,
  • 0.5% cash back between $1,500 and $3,000 spent annually,
  • 1% cash back between $3,000 and $24,000 spent annually, and
  • 1.5% cash back over $24,000 spent annually.

These cash back rates are doubled when shopping at Canadian Tire stores.

So while the marketing language is great, it's going to take a while before you're actually earning 1.5% cash back.

Alternative credit cards to consider

There are many cards out there that will earn you more cash back on all purchases, for no annual fee.

The first is the . You'll earn 1.25% cash back on every purchase, with no tiers to worry about.

Another one is the . You'll earn 1% back on all purchases, with a chance to earn bonus rewards when shopping with select Brim retail partners.

Related: Best Cash Back Credit Cards In Canada For 2020

Compare Canadian Tire Bank Credit Cards

This table is displaying our default Genius Rating, which applies our standard weight to all 8 of our scoring categories (rewards, fees, insurance, interest, perks, approval, and acceptance). The other card displays in the article are configured to specific categories, based on what the card does best. Learn more about our rating methodology.

Frequently asked questions about Canadian Tire credit cards

Here are some frequently asked questions about Canadian Tire credit cards.

What credit cards does Canadian Tire offer?

Canadian Tire offers 2 Triangle Rewards credit cards, and the Canadian Tire Cash Advantage card.

Does Canadian Tire still offer the Options Mastercard?

No, Canadian Tire does not offer the Options Mastercard anymore, it has been replaced with the Triangle Mastercard.

Does Canadian Tire offer a World Elite Mastercard?

Canadian Tire has the Triangle World Elite Mastercard. It's one of the few no fee World Elite Mastercards in Canada.

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