Earn 4% Canadian Tire Money (CT Money) 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 stores
Earn 1.5% CT Money at grocery stores on the first $12,000 annual spend (excludes Costco and Walmart)
Earn 5¢ per litre in CT Money at Gas+ and Petro-Canada locations
Earn 0.5% CT Money on all other purchases
CT Money is redeemable at participating Canadian Tire family of stores at a 1:1 value ($1 CT Money = $1 spend)
Rewards stack with in-store offers and bonus multipliers for accelerated earning
Built-in perks & coverage
No annual fee
The card has no annual fee, making it a low-cost everyday rewards option.
Flexible CT Money redemption
Canadian Tire Money can be redeemed at Canadian Tire, Sport Chek, Mark’s, Party City, Pro Hockey Life, Atmosphere, and other partner stores at a 1:1 value.
0% interest financing option
Eligible purchases of $150 or more can qualify for equal monthly payments with no interest at participating retailers.
Stacking rewards and bonus offers
Cardholders can combine base earn rates with bonus events (e.g., 25X or 30X promotions) for significantly higher rewards.
Fuel savings at partner stations
Earn 5¢ per litre in CT Money at Gas+ and Petro-Canada locations.
Wide retail ecosystem
Rewards can be earned and redeemed across a large network of Canadian Tire affiliated brands including Sport Chek, Mark’s, and Atmosphere.
Digital account management
Includes online banking, mobile app access, and reward tracking tools.
Purchase protection and customer service
Includes standard Mastercard protections and access to Canadian Tire Bank customer support.
The verdict
What we like
Strong rewards earn rate in a closed-loop ecosystem, including 4% CT Money at Canadian Tire family stores and 5¢ per litre at Gas+ and Petro-Canada
1:1 redemption value (1 CT Money = $1) across a wide retail network including Canadian Tire, Sport Chek, Mark’s, and Party City
No annual fee combined with frequent stackable bonus offers (25X–30X events) that significantly increase effective rewards earning
Worth noting
Rewards are locked into the Canadian Tire ecosystem, limiting flexibility compared to general cashback or travel cards
Accelerated grocery earn is capped at $12,000 annual spend and excludes major retailers like Costco and Walmart
Value depends heavily on promotional stacking behavior, making real-world returns variable and inconsistent
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