Canadian Tire Credit Card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Canadian Tire Credit Card4.6/5

Canadian Tire

Annual fee
CA$0
Rewards rate
4%-1%
Welcome Bonus
CA$150 in CT Money
Apply Now →on Canadian Tire's website

  • 4%Cash back at Canadian Tire stores
  • 5¢Cash back per litre at Gas+ and Petro-Canada locations

Welcome Bonus:

New Canadian Tire credit card applicants can receive a CA$150 bonus in CT Money when they apply for a card and make a qualifying purchase within 30 days of approval.

Reward Rate:

Earn robust cash back in the form of CT Money across their family of stores, gas stations, and grocery purchases.

What sets the Canadian Tire Credit Card apart is its ability to earn cash back in the form of CT Money across a wide range of purchases, including gas and groceries. This card is particularly appealing for those who frequently shop at Canadian Tire and want to maximize their rewards without an annual fee.

Pros:

  • No annual fee
  • Strong cash back rewards at Canadian Tire locations

Cons:

  • Higher interest rates for cash advances
  • Limited to specific stores for maximum rewards
Apply now →

The Canadian Tire Credit Card offers a solid option for consumers who regularly shop at Canadian Tire and seek to earn rewards on everyday purchases without incurring an annual fee. Its cash back structure is particularly beneficial for those who prioritize spending in categories like gas and groceries, making it a practical choice for budget-conscious shoppers.

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