The Canadian Tire Cash Advantage Mastercard is a no-fee store card in the Canadian Tire lineup. It is designed for people who already shop at Canadian Tire, Sport Chek, Mark’’s, and related partners and want to earn CT Money on purchases without paying an annual fee.
Quick Verdict
Best for: Canadian Tire shoppers who want a $0 card and can redeem CT Money at Canadian Tire family stores.
Not ideal for: anyone who wants unrestricted cash back that can be used anywhere.
Key Card Details
| Feature | Detail |
|---|---|
| Annual fee | $0 |
| Purchase interest rate | Verify at canadiantire.ca |
| Cash advance rate | Verify at canadiantire.ca |
| Foreign transaction fee | 2.5% (typical) — verify at canadiantire.ca |
| Income requirement | None stated |
| Network | Mastercard |
| Rewards | CT Money |
| Welcome bonus | Verify current offer at canadiantire.ca |
Card terms, CT Money earn rates, and all features are subject to change. Verify all current details at canadiantire.ca before applying.
How It Fits In
Canadian Tire cards are only useful if you regularly shop within the Triangle ecosystem. If you do, CT Money can be a practical way to offset future Canadian Tire purchases. If you do not, a broader no-fee cash back card will usually be better.
Bottom Line
The Canadian Tire Cash Advantage Mastercard is a straightforward no-fee option for Canadian Tire loyalists. Its value depends almost entirely on how often you can redeem CT Money at Canadian Tire family stores.