My Rate Compass

Card Details

Bank Name: Canadian Tire Financial
Network Type: Mastercard
Card Type: Personal

Fees

Annual Fee: $0
Additional Card Fee: $0
Purchases Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%

Eligibility

Personal Income Required: $15000
  • You're a Canadian resident
  • You've reached the age of majority in your province or territory

CASH ADVANTAGE MASTERCARD

Welcome Bonus:
Apply Now On Bank's Secure Website
 
CASH ADVANTAGE MASTERCARD snapshot

Earn up to 1.5% cash back on eligible purchases, and get 2X the cash back (up to 3%) on purchases at Canadian Tire, Canadian Tire Gas+ Bars, Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts, L'Entrepot du Hockey and participating Sports Experts and Mark's locations.

 

The more you use your card throughout the year, the greater the percentage of cash back you'll get.

 

Cash back is automatically applied to your account every year, and there's no limit on how much cash back you can get.

CASH ADVANTAGE MASTERCARD Rewards
CASH ADVANTAGE MASTERCARD Features
Priority airport services
No
Airport lounge access
No
Concierge service
No
Balance protection(Optional)
No
Purchase Security & Extended Protection Insurance
NO
Flight delay insurance,Baggage Insurance
No
Vehicule rental insurance
No
Travel accident insurance
No
Travel medical insurance
No
CASH ADVANTAGE MASTERCARD User Reviews
Total Reviews: 0

Rating: 1 2 3 4 5 ( 0 )

Application Experience: 1 2 3 4 5

Rewards/Features: 1 2 3 4 5

Customer Service: 1 2 3 4 5

Convenience: 1 2 3 4 5

Likelihood to recommend: 1 2 3 4 5

CASH ADVANTAGE MASTERCARD FAQs
 
 

Advantages:

No Fee, No Interest financing is available when you pay with your Cash Advantage Mastercard at Canadian Tire, Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts, L'?ntrep?t du Hockey and participating Sports Experts and Mark's locations.

12 Equal Monthly Payments on purchases over $200.
At Canadian Tire, you can finance your purchase for 12 months if you spend $200-$299 and 24 months if you spend $500+.


Optional products

Credit Protector

Help protect your credit card balance when you and your family need it most.

Identity Watch ClassicTM

Help protect your personal identity

Identity Watch EliteTM

Help protect your personal identity

 

Editor`s Review:

The most notable feature of this credit card is the 3% cash back rate when you spend at Canadian Tire. This includes purchases made at Canadian Tire gas bars, Mark’s and L’Equipeur. Card holders also earn on other purchases, but the earning rates are tiered. On the first $1,500 you spend, you earn 0.25% cash back. After that, you earn 0.5% cash back when you spend up to $3,000. Once you spend $3,000, you start to earn 1% cash back up to $24,000. Beyond $24,000, you’ll earn 1.5% cash back on all purchases with no earning cap. As you can see, the more you spend, the more you’ll earn.

 

To offset the relatively low cash back earning rate, there is no annual fee for this card. In addition, card holders gain access to Canadian Tire bank which comes with some perks. One of the most favourable perks is twelve month, no interest financing on applicable Canadian Tire purchases.

 

The primary benefit of the Canadian Tire Cash Advantage Mastercard is accelerated earnings when you spend at Canadian Tire. If Canadian Tire is your one stop shop, this credit card is definitely worth it. It is also worth it if you spend $2,000 or more per month. Otherwise, you’ll likely earn more cash back with other credit cards.


Still undecided ? This credit card has few close cousins from Canadian Tire Financial Services family:

Triangle World Elite Mastercard

Gas Advantage Mastercard

Triangle Mastercard

 




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