Best Store Credit Cards in Canada for January 2026

From our Editors: The Full List of Best Store Credit Cards in Canada

Best Overall: Amazon.ca Rewards Mastercard

For nearly every online shopping itch, the Amazon.ca Rewards Mastercard, one of the best Amazon credit cards in Canada, does the trick. This no-fee card earns solid cashback on Amazon.ca, Whole Foods, and foreign transactions, especially if your an Amazon Prime member. If you don’t have an Amazon Prime membership, your cashback rates on these categories will be slightly lower. The insurance on this card is pretty standard, offering only purchase protection and extended warranty coverage. That said, the added benefits like car rental discounts at Avis and Budget locations and trip and legal assistance are certainly helpful. Learn more in our Amazon.ca Rewards Mastercard Review.

Best Canadian Tire: Triangle World Elite Mastercard

Let’s say you’re looking for one of the best Canadian Tire credit cards. In that case, apply for the Triangle World Elite Mastercard. This contender balances admirable rewards, coverage, and benefits. The card grants you high Canadian Tire dollar cashback on almost anything at Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Party City, Pro Hockey Life, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, and participating Sports Experts stores. This is followed by solid Canadian Tire dollar cashback on groceries (excluding those purchased at Costco and Walmart).

For insurance, expect standard purchase protection insurance and helpful car rental damage and theft insurance. Regarding benefits, the Triangle World Elite Mastercard boasts gas discounts at Gas+ and Petro Canada locations, plus on-call concierge services. However, the most notable perk on this card is the rare Roadside Assistance Gold Plan. In fact, the Triangle World Elite Mastercard is the only no-annual-fee credit card in Canada that offers roadside assistance. Read more in our Triangle World Elite Mastercard Review.

Best Costco: CIBC Costco Mastercard

If you're constantly fuelling up on Costco Gas, or browsing the digital aisles of Costco.ca, the CIBC Costco Mastercard is made for you. On top of earning you strong cashback on Costco Gas and Costco.ca purchases, this card also collects impressive cashback on dining, plus some cashback on non-Costco gas. The restaurant purchase optimization is especially notable, making this contender one of the best dining credit cards in Canada. Ironically, there’s no optimization category on Costco warehouse purchases. That said, your rewards redemption gift certificate is redeemable at Costco warehouses.

The card's cost is covered by your Costco membership, which is why it technically has no annual fee. There are no added benefits, but cardholders enjoy standard coverage like purchase protection and extended warranty insurance, not to mention valuable mobile device insurance. Get the full report in our CIBC Costco Mastercard Review.

Best Loblaws Brand: PC Insiders World Elite Mastercard

If you’re trying to piece together the best option for Loblaws brand shopping, opt for the PC Insiders World Elite Mastercard, one of the best PC credit cards in Canada. This card is excellent for frequent shoppers at Loblaws and affiliated Loblaws brand stores. Use this card to collect tons of PC Financial points on Esso and Mobil gas, Shoppers Drug Mart purchases, Loblaw banner groceries (at places like Loblaws, No Frills, and Real Canadian Superstore), plus PC Travel. On top of all of that, you’ll receive unlimited grocery pickup and delivery on eligible orders with a complimentary PC Express Pass. This rewards program is paired with good insurance coverage like emergency out of province medical and car rental damage and theft insurance, plus nice benefits like concierge services and identity theft assistance. Discover more in our PC Insiders World Elite Mastercard Review.

Best Tim Hortons: Tims Mastercard

Perhaps you’re less likely to swipe your credit card for clothing and more likely to tap it for coffee. The Tims Mastercard, one of the best Tims credit cards in Canada, allows cardholders to earn plenty of Tims Rewards points each time they scan for Tims rewards or cover a grocery bill (at grocers excluding Walmart or Costco), fuel up on gas or electric vehicle charging, or pay for transit, taxis, and ride share programs. So, really, you can optimize a lot more than just your morning cup. This card also gives you a bit of standard coverage, specifically purchase protection and extended warranty insurance. See more in our Tims Mastercard Review.

Best Walmart: Walmart Rewards World Mastercard

One of the best Walmart credit cards in Canada is the Walmart Rewards World Mastercard. This card earns you the highest cashback on Walmart.ca purchases, plus decent cashback on Walmart warehouse purchases. Aside from Walmart-specific optimization, this card also grants you some cashback on gas. The focus of this card is its rewards program, so the only extra perk you’ll have is purchase protection insurance. For more details, check out our Walmart Rewards World Mastercard Review.

Pros and Cons of Store Credit Cards

Each store credit card comes with its own list of pros and cons. In general, we'd say that there's one major benefit to store credit cards and one notable drawback.

The Benefit: Store credit cards offer a convenient way for you to collect and redeem rewards on branded purchases. Some cards even offer store-specific perks.

The Drawback: Often, store credit cards are so niche that they don't optimize all your spending habits. Because of this, it's a good idea to use a store-branded credit card as a secondary credit card. You can pair your store credit card with an everyday cashback contender and/or a travel credit card to cover all of your bases.

Read More: Strategic Card Switching: Maximizing Rewards for Canadians, Best Cashback Credit Cards in Canada, Best Travel Credit Cards in Canada.

How to Choose the Right Store Credit Card

To select the right store credit card for you, you'll need to consider your unique spending habits. Since store credit cards cater to specific purchases, you'd only want to apply for a store credit card that is issued by a retailer your loyal to.

For example, avid Amazon.ca shoppers will get the most value out of the Amazon.ca Rewards Mastercard, especially if they're an Amazon Prime member. Likewise, frequent Walmart shoppers will extract the most value out of the Walmart Rewards World Mastercard.

How to Apply for a Store Credit Card

To apply for any of the store credit cards mentioned above, simply tap the "Apply Now" button below your top contender. Afterwards, you'll be redirected to the issuer's official website to begin the application process. Credit card applications typically ask for personal information (such as your email, address, and birthdate) and financial information (like your income, when applicable).