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Refer & Earn 25%
Canadian Tire Cash Advantage Mastercard
1.8/5
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.
Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$2,000
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Linked Credit Cards
Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.
Card Details
Interest Rates
Cash Advance: 22.99%, for Quebec 21.99%
Purchase: 21.99%
Balance Transfer: 22.99%
Annual Fee
$0
Annual Income
Personal: N/A
Household: N/A
Credit Score
Very Good
Welcome Bonus
N/A
Card Type
Cash Back
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
Calculating reward breakdowns
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.