The most effective retailer bank cards in Canada proper now

• Annual charge: $0
• Welcome supply: Earn 15% in CT Cash at affiliated shops (Canadian Tire, Sport Chek, Ambiance and extra)
• Earn price: 4% in CT Cash at affiliated shops, $0.05 per litre at Fuel+ and collaborating Husky gasoline stations
• Rewards on every little thing else: 1.5% on the primary $12,000 spent on groceries per calendar yr (excluding Costco and Walmart); 0.5% on every little thing else
• Earnings requirement: None specified
• Extra advantages: No-fee financing on qualifying purchases of $150 or extra at affiliated retailers, no-receipt returns, customized presents and member-only occasions

Get extra particulars concerning the Triangle Mastercard*

The way it works

The Triangle Mastercard helps you to rack up the equal of 4% money again in CT Cash if you spend at Canadian Tire, Sport Chek, Ambiance, Hockey Consultants, Sports activities Rousseau, L’Entrepôt du Hockey, Mark’s/L’Équipeur, Get together Metropolis and collaborating and Sports activities Consultants shops. You additionally earn $0.05 per litre of gasoline if you replenish at Fuel+ and Husky stations. And don’t neglect, Canadian Tire presents auto companies, so accumulating (or redeeming) CT Cash might be a silver lining to your subsequent flat tire or oil change.

By way of rewards programs, it couldn’t be less complicated: $1 in Canadian Tire Cash is equal to 1 redeemable greenback on Canadian Tire, Sport Chek, Ambiance, Sports activities Rousseau, Hockey Consultants, L’Entrepôt du Hockey and collaborating Mark’s/L’Équipeur and Sports activities Consultants shops. You need to use your CT Cash by presenting your bank card to the cashier.

Perks

The Triangle Mastercard boasts no annual charge and in addition presents a no-receipt return coverage at collaborating shops and unique financial savings occasions for members.

You can too make the most of their no-fee, no-interest financing program on greater purchases at Canadian Tire (and the aforementioned shops). Principally, if you spend $150 or extra, you’ll be able to break up it into 24 equal month-to-month funds, so long as you pay your minimal steadiness due every month. It’s like layaway 2.0.

Drawbacks

The reward factors are solely utilized to the worth of the bought gadgets, which means the 4% you’ll earn on purchases at Canadian Tire doesn’t embrace gross sales tax. Get extra particulars concerning the Triangle Mastercard*

For the web shopper

Amazon.ca Rewards Mastercard

If going to the mall isn’t your factor proper now (completely comprehensible), the Amazon.ca Rewards Mastercard might be excellent for you. It helps you to earn factors to make use of in direction of reductions in your Amazon purchases (in addition to for procuring at Complete Meals, grocery shops and eating places).

• Annual charge: $0
• Earn price on Amazon and Complete meals: 2.5% for Prime members and 1.5% for non-Prime Members
• Earn Price on every little thing else: 1% on Canadian purchases, and 2.5% on eligible international foreign money transactions to assist cowl international trade charges in case you’re a Prime member (in any other case it’s 1%)
• Earnings requirement: None specified

The way it works

Amazon Prime members get 2.5% in Amazon factors on purchases at Amazon.ca and Complete Meals Market shops. If you happen to’re not a Prime member, you get 1.5% on eligible purchases at Amazon.ca and Complete Meals shops. You additionally get 1% on eligible purchases elsewhere.