With the ability to get up to 3% cash back, the more you use this no fee card, the more cash back rewards you will earn.

Annual Fee
$0
Extra Card Fee
$0
Card Type
Credit
Purchase
19.99%
Cash Advance
22.99%
Balance Transfer
22.99%
Personal Income
N/A
Household Income
N/A
Canadian resident who has reached the provincial age of majority.
If we find your match, we’ll give you up to $25 when you refer your friends.*

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Our Review

A no fee, cash back card that earns you bonus rewards at Canadian Tire stores, the Canadian Tire Cash Advantage Mastercard will reward you for being a loyal shopper with Canadian Tire.

What can you earn? It's a little complicated. This card has a lot of tiers to mess with, so even though it advertises you can earn 1.5% cash back, it takes a lot of spending just to get to that point:

  • 0.25% on your first $1,500 spent,
  • 0.50% between $1,500 to $3,000,
  • 1% between $3,000 to $24,000, and
  • 1.5% on anything you spend over $24,000.

When you shop at Canadian Tire stores, you'll earn double cash back on the tier you're currently in. So for Canadian Tire stores, you'll earn between 0.5% to 3% back on your purchases.

Depending on how much you spend on the card, you might not earn much for cash back.

One nice feature of this card, however, is that you can get no fee, interest free financing on purchases of over $200 at Canadian Tire stores. You'll be able to break up any purchase into 12 smaller monthly payments.

One downside? There's no insurance included, which could be a deal-breaker if insurance is something that's important to you.

Alternative cards to consider

To keep things simple, here are 2 cards that have a high flat rate on all purchases, with no tiers, and also have no annual fee.

The first is the . You'll earn 1.25% cash back on every purchase you make, with no caps. You'll see much more cash back on your first $24,000 in purchases compared to the Cash Advantage Card.

Another top alternative is the . You'll earn 1% cash back on every purchase, plus get bonus rewards through Brim's 150+ retail partners, and enjoy no foreign exchange fees.

What are your thoughts?

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Featured In:

The Globe and Mail
Toronto Star
Financial Post
New York Times