Canadian Tire Cash Advantage Mastercard

Rewards Calculator Algorithm

You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.


Total Spending

Modify your spending numbers and click update to get the most accurate reward estimates.

$0

Rewards based on $0 average spending

Card Details

Annual Rewards

$239.25

First Year Bonus

$0

Annual Fee

$0

First Year Value

$239.25

Interest Rates

Cash Advance: 22.99%, for Quebec 21.99%

Purchase: 21.99%

Annual Fee

$0

Annual Income

Personal: N/A

Household: N/A

Credit Score

Very Good

Welcome Bonus

N/A

Card Type

Reward: Points

Loyalty Program: CanadianTire Dollars

Our Rating

1.8/5

Institution

Canadian Tire

Rewards


  • 0.25% cash back up to $1,500 spent per year
  • 0.5% cash back between $1,500 to $3,000 spent per year
  • 1% cash back between $3,000 and $24,000 spent per year
  • 1.5% cash back over $24,000 spent per year
  • 2x cash back (from brackets above, up to 3%) on purchases at CanadianTire stores, Canadian Tire gas bars, and Marks

CanadianTire Cash Advantage Mastercard Cash Back Calculator

Based on average spending


Rewards Breakdown

others

$221.25


All other purchases

$18


Net Annual Rewards

$239.25

Rewards Summary

Net Annual Rewards

$239.25


First Year Bonus

$0


First Year Value

$239.25

Pros & Cons


Pros

  • High cash back potential at Canadian Tire: Earn double cash back (up to 3%) on purchases at Canadian Tire and associated stores.
  • No annual fee: You can enjoy cash back rewards without paying a fee to keep the card.
  • No fee financing at Canadian Tire: Interest-free financing for 12 months on purchases over $200 at Canadian Tire stores.

Cons

  • Complicated tier system: Rewards increase with spending, but you start with a low 0.25% cashback rate.
  • Limited rewards at non-Canadian Tire stores: The base earn rate is quite low at 0.25%–1.5%.
  • No insurance included: The card lacks any insurance coverage, which is commonly found on many other cards, even those without annual fees.

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