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Card Details
Interest Rates
Purchase: 20.99% - 25.99%
Cash Advance: 22.99% - 27.99% (for Quebec 21.99%)
Balance Transfer: 22.99% - 27.99%
Annual Fees
Main Card: $0
Additional Cards: $0
Welcome Bonus
N/A
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Card Type
Credit
Finly Rating
3/5
Institution
Canadian Tire
How You Earn Rewards
- 4% back in CanadianTire dollars on almost everything 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
- 1.5% back in CanadianTire dollars on eligible grocery purchases (on the first $12,000 per year; excludes Costco and Walmart)
- 0.5% back in CanadianTire on all other eligible purchases
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
No insurance coverage information available for this card.
Benefits
Details
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Gas Discount
Save 7¢/L on premium fuel and 5¢/L on all other fuel types at Gas+ and Petro-Canada locations on gas
Pros & Cons
Pros
- High rewards at Canadian Tire: 4% back on pre-tax purchases at Canadian Tire stores.
- 1.5% on groceries: Offers a decent return on grocery purchases with no annual fee.
- No annual fee: Makes it easy to keep in your wallet without any cost.
- No income requirement: No specified income threshold, making it accessible.
Cons
- Low rewards elsewhere: Only 0.5% back on purchases outside of Canadian Tire and grocery stores.
- Limited rewards redemption: Rewards are restricted to use within Canadian Tire's family of stores.
- No insurance coverage: Unlike other credit cards, this one does not include purchase protection or extended warranty.