Store cards are a unique type of credit card that help you earn rewards with a specific brand, offering discounts, deals, and exclusive events.
The best things in life, as they say, are free. The second-best things? They’re the things you scored with a sweet deal. The right store credit card can unlock access to exclusive offers and help you save more money in stores where you already shop.
Let’s be clear, we’re not talking about a lame retail credit card that only offers financing on big purchases—we’re talking about top store cards you can use to earn points or cash back no matter where you shop. Shopaholics, deal hunters, and coupon clippers take note: Here’s our take on the best store credit cards in Canada that genuinely reward your business.
Top 3 store cards
PC® Mastercard®

$0 Annual Fee
Good Recommended Credit Score
$15,000 Required Annual Personal Income
Amazon.ca Rewards Mastercard®

Get 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants. Valid for the first 6 months, on your first $3,000 in eligible purchases††.
$0 Annual Fee
Fair Recommended Credit Score
$0 Required Annual Personal Income
CIBC Costco Mastercard®

$0 Annual Fee
Good Recommended Credit Score
$15,000 Required Annual Personal Income
Best for gas and groceries
$316
First Year Value
$0
Annual Value
Get this card if you...
Annual Fee & Annual Interest Rates
$0
Annual Fee
21.99%
Purchase
22.97%
Cash Advance
22.97%
Balance Transfer
Our Take
The PC® Mastercard® is a no-annual-fee credit card that allows cardholders to earn PC Optimum points on everyday purchases, with accelerated rates at Loblaw-affiliated stores, Shoppers Drug Mart, Esso, and Mobil gas stations. These points can be redeemed for groceries and merchandise at over 2,500 participating locations across Canada.
Eligibility
Good (620 - 670)
Recommended Credit Score
$15,000
Required Annual Personal Income
Pros
Cons
Annual Interest Rates
21.99%
Purchase
22.97%
Cash Advance
22.97%
Balance Transfer
Fees
$0
Annual Fee
Rewards PC points
10 points
Earn 10 points per $1 spent everywhere
2 cents
Earn 2c per litre in PC Optimum points at Esso and Mobil
30 points
Earn 30 points per $1 when purchasing travel through President’s Choice
25 points
Earn 25 points per $1 at Shoppers Drug Mart and Pharmaprix
Our Take
The PC® Mastercard® is a no-annual-fee credit card that allows cardholders to earn PC Optimum points on everyday purchases, with accelerated rates at Loblaw-affiliated stores, Shoppers Drug Mart, Esso, and Mobil gas stations. These points can be redeemed for groceries and merchandise at over 2,500 participating locations across Canada.
Eligibility
Good (620 - 670)
Recommended Credit Score
$15,000
Required Annual Personal Income
Pros
Cons
Annual Interest Rates
21.99%
Purchase
22.97%
Cash Advance
22.97%
Balance Transfer
Fees
$0
Annual Fee
Rewards PC points
10 points
Earn 10 points per $1 spent everywhere
2 cents
Earn 2c per litre in PC Optimum points at Esso and Mobil
30 points
Earn 30 points per $1 when purchasing travel through President’s Choice
25 points
Earn 25 points per $1 at Shoppers Drug Mart and Pharmaprix
There’s a good chance you’re already collecting PC Optimum™ points; using the PC® Mastercard® can supercharge the number of points you earn. Combined with the PC Optimum™ program cardholders can get a total of up to 25 points per $1 spent on eligible purchases at Shoppers Drug Mart and Pharmaprix; at least 2c per litre in PC Optimum points at Esso and Mobil in Canada; 30 points per $1 when purchasing travel through President’s Choice; and 10 points per $1 spent on all other purchases.
Why the PC Mastercard is great for shopping:
- No annual fee: It’s cheaper than a loonie toss at the local fair! This card lets you keep more loonies and toonies in your pocket than a ticket-taker at the Calgary Stampede.
- No income requirement: It’s more inclusive than a Canada Day party! Whether you’re a student surviving on ramen or a retiree living the cottage life, this card welcomes you with open arms.
- PC Optimum points: It’s like having a points-printing machine in your wallet! Earn points faster than a Zamboni clears the ice, especially at Shoppers Drug Mart and Esso stations.
- Widely accepted: Use it anywhere Mastercard is accepted, which is more places than you can find a Tim Hortons in Toronto (and that’s saying something!).
- Purchase assurance and extended warranty: It’s got your back like a good hockey defenseman, protecting your purchases and extending warranties.
PC credit card comparison
Card | Rewards | Income required |
---|---|---|
PC Financial Mastercard |
Earn 30 points per $1 when purchasing travel through President’s Choice.
Earn 25 points per $1 at Shoppers Drug Mart and Pharmaprix. Earn 10 points per $1 spent everywhere. |
No income needed |
PC Insiders™ World Elite Mastercard® |
Earn 50 points per $1 spent at Shoppers Drug Mart
Earn 40 points per $1 spent at Loblaw banner stores Earn 40 per $1 spent at Joe Fresh stores Earn 10 per $1 spent everywhere else Earn up to 70 points per litre at Esso and Mobil gas stations |
$80,000 personal or $150,000 household annual income |
PC Financial World Elite Mastercard |
Earn 45 points per $1 spent at Shoppers Drug Mart/Pharmaprix
Earn 30 points per litre for gas purchased at Esso™ or Mobil™ stations Earn 30 points per $1 spent at Loblaw banner Grocery Stores (includes Loblaws, No Frills, Valu-Mart, Independent Grocers, Zehrs, Real Canadian Superstore, Fortinos, etc.) Earn 30 points per $1 spent on PC Travel services Earn 10 points per $1 spent everywhere else |
$80,000 personal or $150,000 household annual income |
Disclosures:
- Sponsored advertising. President’s Choice Financial® Mastercard® is provided by President’s Choice Bank. The PC Optimum™ program is provided by President's Choice Services Inc. President’s Choice Bank is not responsible for the contents of this site, including any editorials or reviews that may appear on this site. For complete information regarding the PC® Mastercard®, PC® World Mastercard®, or PC® World Elite Mastercard®, please click on the “Apply Now” or other applicable button.
Best for Costco purchases
$246
First Year Value
$0
Annual Value
Get this card if you...
Annual Fee & Annual Interest Rates
$0
Annual Fee
20.75%
Purchase
22.49%
Cash Advance
22.49%
Balance Transfer
Our Take
The CIBC Costco Mastercard® is a no-annual-fee credit card tailored for Costco members, offering cash back on various purchase categories, including elevated rates for dining and gas purchases at Costco gas stations. Cardholders benefit from features such as mobile device insurance and the convenience of combining their credit card with their Costco membership card to maximize their cash back.
Eligibility
Good (620 - 670)
Recommended Credit Score
$15,000
Required Annual Personal Income
Pros
Cons
Annual Interest Rates
20.75%
Purchase
22.49%
Cash Advance
22.49%
Balance Transfer
25.99%
Penalty
Fees
$0
Annual Fee
$2.5
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards cash back
3%
cash back at restaurants and at Costco gas
2%
cash back at other eligible gas stations, electric vehicle charging stations and at Costco.ca
1%
cash back on all other purchases including at Costco
Insurance Benefits
$1,000
Mobile device insurance amount
Our Take
The CIBC Costco Mastercard® is a no-annual-fee credit card tailored for Costco members, offering cash back on various purchase categories, including elevated rates for dining and gas purchases at Costco gas stations. Cardholders benefit from features such as mobile device insurance and the convenience of combining their credit card with their Costco membership card to maximize their cash back.
Eligibility
Good (620 - 670)
Recommended Credit Score
$15,000
Required Annual Personal Income
Pros
Cons
Annual Interest Rates
20.75%
Purchase
22.49%
Cash Advance
22.49%
Balance Transfer
25.99%
Penalty
Fees
$0
Annual Fee
$2.5
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards cash back
3%
cash back at restaurants and at Costco gas
2%
cash back at other eligible gas stations, electric vehicle charging stations and at Costco.ca
1%
cash back on all other purchases including at Costco
Insurance Benefits
$1,000
Mobile device insurance amount
The CIBC Costco Mastercard® itself doesn’t carry an annual fee, but you do need to be a Costco member to sign up. A basic Gold Star membership costs $60 annually (check out our guide to whether or not a Costco membership is worth the cost).
The best part of the CIBC Costco Mastercard® is the high amount of cash back you can earn on Costco Gas and purchases made on Costco.ca, but there’s a catch: These high rates are capped at a maximum annual spend. The 3% cash back at Costco Gas and 2% at other gas stations is capped at $5,000 in spending per year. You’ll earn 2% cash back from Costco.ca up to $8,000 spent per year. Once you max out, the rate will drop to 1% for each of those categories until a new year resets. On the plus side, there is no cap on the 3% cash back on restaurants, and all other purchases outside those special categories earn 1% cash back.
Redeeming your cash back is simple but not particularly flexible. A Costco Canada gift certificate is issued once a year in January, equal to the amount you earned back from your card in the previous year.
The CIBC Costco Mastercard® offers standard Purchase Security and Extended Warranty insurance, but also includes the unexpected perk of up to $1,000 in Mobile Device Insurance, which is a rarity for a credit card without an annual fee.
- Additional perks: Purchase Security for 90 days; Extended Warranty for up to one year; Mobile device insurance up to $1,000
Disclosures:
Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertising partners.
- †Terms and Conditions Apply. This offer is not available for residents of Quebec.
- The information for the CIBC Costco Mastercard® has been collected independently by Money.ca. The card details on this page have not been reviewed or provided by the card issuer.
Best for Walmart shoppers
$0
First Year Value
$0
Annual Value
Welcome Bonus: Get $20 in Walmart Reward Dollars when you’re approved and spend $50+ using the temporary shopping pass∆ provided.† Earn $15 in Reward Dollars after one purchase at Walmart and one anywhere else.†† Get $10 in Reward Dollars by going paperless.†††
Get this card if you...
Annual Fee & Annual Interest Rates
$0
Annual Fee
20.89% - 26.99%
Purchase
22.97% - 27.99%
Cash Advance
Our Take
The Walmart Rewards™ Mastercard® is a no-annual-fee credit card designed for frequent Walmart shoppers, whcih earns Walmart Reward Dollars on purchases made in-store or online at Walmart, and a lower rate back on all other purchases. Cardholders can redeem their Walmart Reward Dollars during checkout at Walmart stores or on Walmart.ca, with a minimum redemption. However, the card lacks extended insurance benefits, and rewards can only be redeemed at Walmart, which may limit its appeal compared to other cash back cards offering more flexible redemption options.
Eligibility
Good (620 - 670)
Recommended Credit Score
$12,000
Required Annual Personal Income
Pros
Cons
Annual Interest Rates
20.89% - 26.99%
Purchase
22.97% - 27.99%
Cash Advance
Fees
$0
Annual Fee
$2.5
Foreign Transaction
$29
Over The Limit Penalty
Rewards Walmart Rewards
1.25%
back in Walmart Rewards on all purchases made in-store or online at Walmart
1%
back in Walmart Rewards at any gas station
1%
everywhere else
Get a $45 bonus!
$20 statement credit in Reward Dollars when you’re approved and spend $50+ on the same day using the temporary shopping pass provided.†
$15 in Reward Dollars after one purchase at Walmart and one anywhere else.†
$10 in Rewards Dollars after signing up for paperless statements.†
Our Take
The Walmart Rewards™ Mastercard® is a no-annual-fee credit card designed for frequent Walmart shoppers, whcih earns Walmart Reward Dollars on purchases made in-store or online at Walmart, and a lower rate back on all other purchases. Cardholders can redeem their Walmart Reward Dollars during checkout at Walmart stores or on Walmart.ca, with a minimum redemption. However, the card lacks extended insurance benefits, and rewards can only be redeemed at Walmart, which may limit its appeal compared to other cash back cards offering more flexible redemption options.
Eligibility
Good (620 - 670)
Recommended Credit Score
$12,000
Required Annual Personal Income
Pros
Cons
Annual Interest Rates
20.89% - 26.99%
Purchase
22.97% - 27.99%
Cash Advance
Fees
$0
Annual Fee
$2.5
Foreign Transaction
$29
Over The Limit Penalty
Rewards Walmart Rewards
1.25%
back in Walmart Rewards on all purchases made in-store or online at Walmart
1%
back in Walmart Rewards at any gas station
1%
everywhere else
Get a $45 bonus!
$20 statement credit in Reward Dollars when you’re approved and spend $50+ on the same day using the temporary shopping pass provided.†
$15 in Reward Dollars after one purchase at Walmart and one anywhere else.†
$10 in Rewards Dollars after signing up for paperless statements.†
The Walmart RewardsTM Mastercard® earns a respectable 1.25% back on all Walmart purchases made in-store or online at Walmart.ca and 1% cash back on all other purchases. Walmart Reward Dollars are simple to use – 1 Walmart Reward dollar equals $1 to spend on virtually anything that Walmart sells – and they can be redeemed in $5 increments online or at the register in any Walmart store across Canada.
The card is an accessible option for frugal shoppers, and signing up is incentivized via a respectable welcome offer.
Unfortunately, the Walmart Mastercard doesn’t offer much in terms of other practical benefits. They’ve opted to reserve standard perks like purchase assurance and extended warranty for the higher-tier Walmart RewardsTM World Mastercard®.
Walmart credit card comparison
Card | Rewards | Income required |
---|---|---|
Walmart Rewards Mastercard |
Earn 1.25% back in Walmart Rewards on all purchases made in-store or online at Walmart.
Earn 1% back in Walmart Rewards at any gas station. Earn 1% back everywhere else. |
$12,000 personal income |
Walmart Rewards World Mastercard |
Earn 3% back in Walmart Rewards on all purchases from Walmart.ca
Earn 1.25% back in Walmart Rewards on all purchases made in-store at Walmart and gas stations Earn 1% back in Walmart Rewards on everything else |
$100,000 household income |
Best for Amazon shoppers
5% back
Welcome Bonus
$456
First Year Value
$306
Annual Value
Welcome Bonus: Get 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants. Valid for the first 6 months, on your first $3,000 in eligible purchases††.
Get this card if you...
Annual Fee & Annual Interest Rates
$0
Annual Fee
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The Amazon.ca Rewards Mastercard® is a no-annual-fee credit card tailored for frequent Amazon.ca and Whole Foods Market shoppers, offering cash back on eligible purchases. Cardholders can redeem earned rewards as Amazon.ca gift cards, enhancing their shopping experience.
Eligibility
Fair (300 - 619)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
Cons
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
$1.5
Foreign Transaction
1.00%
Balance Transfer
Rewards cash back
2.5%
Earn 2.5% on eligible purchases at Amazon.ca and Whole Foods Market stores for eligible Prime members (1.5% back for non-members)‡
2.5%
Get 2.5% back on eligible foreign currency transactions for eligible Prime members (1% back for non-members)‡
1%
Get 1% back on eligible purchases everywhere else Mastercard is accepted.‡
Get 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants. Valid for the first 6 months, on your first $3,000 in eligible purchases††.
††Regular earn rates will apply to purchases outside the above categories and to the above categories after $3,000 in eligible purchases. This promotion is offered by MBNA and Amazon and may be amended or cancelled at any time without notice.
Our Take
The Amazon.ca Rewards Mastercard® is a no-annual-fee credit card tailored for frequent Amazon.ca and Whole Foods Market shoppers, offering cash back on eligible purchases. Cardholders can redeem earned rewards as Amazon.ca gift cards, enhancing their shopping experience.
Eligibility
Fair (300 - 619)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
Cons
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
$1.5
Foreign Transaction
1.00%
Balance Transfer
Rewards cash back
2.5%
Earn 2.5% on eligible purchases at Amazon.ca and Whole Foods Market stores for eligible Prime members (1.5% back for non-members)‡
2.5%
Get 2.5% back on eligible foreign currency transactions for eligible Prime members (1% back for non-members)‡
1%
Get 1% back on eligible purchases everywhere else Mastercard is accepted.‡
Get 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants. Valid for the first 6 months, on your first $3,000 in eligible purchases††.
††Regular earn rates will apply to purchases outside the above categories and to the above categories after $3,000 in eligible purchases. This promotion is offered by MBNA and Amazon and may be amended or cancelled at any time without notice.
The Amazon.ca Rewards Mastercard from MBNA is an excellent option if you already have an Amazon Prime membership.
This card comes with a great welcome offer. Get 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants. Valid for the first 6 months, on your first $3,000 in eligible purchases††.
After the welcome period ends Prime members can earn 2.5% back on eligible purchases from Amazon.ca, Whole Foods and on foreign currency transactions. Non-Amazon Prime members only get 1.5% back on Amazon.ca and Whole Foods purchases. All cardholders, regardless of whether or not they have a Prime membership, get 1% back on all other purchases outside those categories. Any rewards you rack up using the card can be applied directly to purchases on Amazon.ca.
For a credit card with no annual fee, the Amazon.ca Rewards Mastercard doesn’t skimp on useful perks. Purchase assurance will cover your purchases from damage or theft for 90 days and the extended warranty will add one year of coverage in addition to the original manufacturer’s warranty. You can also enjoy a minimum 10% off base rental car rates in Canada and at least 5% off rental rates in the U.S. at participating Avis and Budget locations. All told, the Amazon.ca Mastercard is among the very best credit cards for online shopping in Canada today.
- Additional perks: Purchase assurance for 90 days; Extended Warranty for up to one year; rental car discounts.
Disclosures:
- ‡, ††, ✪, ***, Terms and Conditions apply
- This offer is not available for residents of Quebec. For residents of Quebec, please click here.
- Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.
- The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank.
Best for Hudson's Bay Company shoppers
Hudson’s Bay Mastercard® by Neo Financial
$0
First Year Value
$0
Annual Value
Annual Fee & Annual Interest Rates
$0
Annual Fee
19.99% - 29.99%
Purchase
22.99% - 31.99%
Cash Advance
Our Take
The Hudson’s Bay Mastercard® is a no-annual-fee credit card that allows cardholders to earn Hudson's Bay Rewards points on purchases, with elevated rates for spending at Hudson's Bay stores and thebay.com. Additionally, cardholders can earn cash back at thousands of Neo Financial partner locations, including major gas stations, grocery stores, and restaurants.
Eligibility
Good (620 - 670)
Recommended Credit Score
Pros
Cons
Annual Interest Rates
19.99% - 29.99%
Purchase
22.99% - 31.99%
Cash Advance
Fees
$0
Annual Fee
Rewards Hudson's Bay Rewards
4
Up to 4 Rewards points on almost every $1 you spend in Hudson's Bay stores* and at thebay.com
2
Rewards points on almost every $1 you spend outside of Hudson’s Bay stores*
2%
Earn an average of 2% cashback* at thousands of local and national Neo Financial™ partners and businesses; think major gas and grocery stores, restaurants, gyms, coffee shops and more
Insurance Benefits
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
Our Take
The Hudson’s Bay Mastercard® is a no-annual-fee credit card that allows cardholders to earn Hudson's Bay Rewards points on purchases, with elevated rates for spending at Hudson's Bay stores and thebay.com. Additionally, cardholders can earn cash back at thousands of Neo Financial partner locations, including major gas stations, grocery stores, and restaurants.
Eligibility
Good (620 - 670)
Recommended Credit Score
Pros
Cons
Annual Interest Rates
19.99% - 29.99%
Purchase
22.99% - 31.99%
Cash Advance
Fees
$0
Annual Fee
Rewards Hudson's Bay Rewards
4
Up to 4 Rewards points on almost every $1 you spend in Hudson's Bay stores* and at thebay.com
2
Rewards points on almost every $1 you spend outside of Hudson’s Bay stores*
2%
Earn an average of 2% cashback* at thousands of local and national Neo Financial™ partners and businesses; think major gas and grocery stores, restaurants, gyms, coffee shops and more
Insurance Benefits
$1,000
Hotel burglary insurance
$65,000
Rental car insurance amount
The Hudson’s Bay Mastercard® is the oldest North American company's most recent offering. The Bay gives 15% off first-day purchases when you sign up for the no annual fee store card. You earn up to 4 Hudson’s Bay Rewards points on every dollar spent on purchases made in-store and on thebay.com, and 2 points per dollar spent outside The Bay. The Hudson Bay credit card is issued by Neo Financial, so on top of the points you earn from your regular spending with the card, you can also earn extra cash back from thousands of Neo partners across Canada. Check out our review of Neo Financial to learn more about Neo’s partners.
This rewards program takes a bit to unpack, because the points you earn depend on an annual spend that resets each year. For the basic Hudson’s Bay Rewards tier, cardholders collect 2 points for every dollar spent from $0-$399.99. At the middle Hudson’s Bay Reward Plus tier, you collect 3 points per dollar spent between $400 and $1,199.99. At the top Hudson’s Bay Rewards VIP tier, you collect 4 points per dollar when you spend $1,200+ per year.
Every 1,000 Hudson’s Bay Rewards points can be redeemed for $5 in store and online. Points can also be converted to AIR MILES or RBC Rewards points for some added flexibility, but points expire after 24 months of account inactivity. Any cash back you earn through Neo partners can be redeemed toward your card balance. As for perks, you can enjoy savings from free shipping on items sold by Hudson’s Bay (no purchase minimums) and earn an extra 20% on both Hudson’s Bay Reward points and Petro-Points if you link your two accounts together.
Best store card for coffee and snacks
$20 Tims gift card
Welcome Bonus
$0
First Year Value
$0
Annual Value
Welcome Bonus: Get a $20 digital Tims gift card upon first purchase with a new Tims Mastercard. Offer valid through April 30, 2025. Expires Apr 30, 2025
Get this card if you...
Annual Fee & Annual Interest Rates
$0
Annual Fee
20.99% - 26.99%
Purchase
22.99% - 27.99%
Cash Advance
Our Take
The Tims® Mastercard® is a no-annual-fee credit card offered by Tim Hortons in partnership with Neo Financial, designed to reward frequent Tim Hortons customers. Cardholders earn Tims® Rewards Points on everyday purchases, with elevated rates for spending at Tim Hortons locations, groceries, gas, and transit. This card is geared towards Tim Hortons fans looking to earn rewards on routine expenses.
Eligibility
Good (620 - 670)
Recommended Credit Score
Pros
Cons
Annual Interest Rates
20.99% - 26.99%
Purchase
22.99% - 27.99%
Cash Advance
Fees
$0
Annual Fee
Rewards Tims Rewards
5
Tims® Rewards Points per CAD $1 spent when you shop for groceries, gas, and transit
1
Tims® Rewards Points per CAD $2 spent when you shop everywhere else
15
Tims® Rewards Points per CAD $1 spent when when you scan for Tims® Rewards
$45
With the Tims Mastercard you can redeem points for up to $45 in statement credit every week.
New cardholders are eligible to receive a $20 gift card upon first purchase with their new Tims Mastercard. Offer valid from February 17, 2025, to April 30, 2025.
From February 17, 2025, to April 30, 2025, new customers who apply and are approved for the Tims Mastercard are eligible to receive a $20 CAD Tims Gift Card via email upon their first purchase with their new Tims Mastercard. To receive the Welcome Offer, your first purchase must be made within 30 days of your Tims Mastercard account activation. It can take up to 24 hours from the time of first purchase for the Welcome Offer to be processed and emailed. There is a limit of one Welcome Offer per person, per account, and it cannot be combined with any other offers. This Welcome Offer is subject to the Tims Rewards Terms and Conditions and the Tims Rewards – Tims Mastercard Offer Terms and Conditions.
Our Take
The Tims® Mastercard® is a no-annual-fee credit card offered by Tim Hortons in partnership with Neo Financial, designed to reward frequent Tim Hortons customers. Cardholders earn Tims® Rewards Points on everyday purchases, with elevated rates for spending at Tim Hortons locations, groceries, gas, and transit. This card is geared towards Tim Hortons fans looking to earn rewards on routine expenses.
Eligibility
Good (620 - 670)
Recommended Credit Score
Pros
Cons
Annual Interest Rates
20.99% - 26.99%
Purchase
22.99% - 27.99%
Cash Advance
Fees
$0
Annual Fee
Rewards Tims Rewards
5
Tims® Rewards Points per CAD $1 spent when you shop for groceries, gas, and transit
1
Tims® Rewards Points per CAD $2 spent when you shop everywhere else
15
Tims® Rewards Points per CAD $1 spent when when you scan for Tims® Rewards
$45
With the Tims Mastercard you can redeem points for up to $45 in statement credit every week.
New cardholders are eligible to receive a $20 gift card upon first purchase with their new Tims Mastercard. Offer valid from February 17, 2025, to April 30, 2025.
From February 17, 2025, to April 30, 2025, new customers who apply and are approved for the Tims Mastercard are eligible to receive a $20 CAD Tims Gift Card via email upon their first purchase with their new Tims Mastercard. To receive the Welcome Offer, your first purchase must be made within 30 days of your Tims Mastercard account activation. It can take up to 24 hours from the time of first purchase for the Welcome Offer to be processed and emailed. There is a limit of one Welcome Offer per person, per account, and it cannot be combined with any other offers. This Welcome Offer is subject to the Tims Rewards Terms and Conditions and the Tims Rewards – Tims Mastercard Offer Terms and Conditions.
The Tims® Mastercard from Neo is like the Swiss Army knife of Canadian credit cards - versatile, reliable, and oh-so-Canadian. It’s perfect for anyone who treats Tim Hortons like their second home (no judgment here, we’ve all been there).
The Tims credit card from Neo earns its best rewards with the popular Canadian donut giant, earning 15 points per $1 at Tim Hortons® restaurants when you scan for Tims® Rewards. Beyond Tims, however, the card also earns everyday rewards outside of your donut, coffee or other sweet treats:
- Earn 5 points per $1 spent on groceries, gas, and transit
- Earn 1 point per $2 spent on all other purchases
There's even a gift card welcome bonus that can get you some free treats just by making a first purchase with the Tims Mastercard.
Other features of the card include:
- Free Tims Rewards membership: Automatically enrolled in Tims Rewards. It’s like getting VIP access to the hockey arena, but for coffee.
- Widely accepted: Use it anywhere Mastercard is accepted, which is more places than you can find a Tim Hortons in Toronto (and that’s saying something!).
- Purchase assurance and extended warranty: It’s got your back like a good hockey defenseman, protecting your purchases and extending warranties.
Disclosures:
Conditions Apply
The Tims® Mastercard is issued by Neo Financial™ pursuant to license by Mastercard International Incorporated. Mastercard and the circles design is a trademark of Mastercard International Inc. Tims Financial is a registered trademark of Tim Hortons Canada.
Best store card for building credit
$20 Tims gift card
Welcome Bonus
$0
First Year Value
$0
Annual Value
Welcome Bonus: Get a $20 digital Tims gift card upon first purchase with a new Tims Mastercard. Offer valid through April 30, 2025 Expires Apr 30, 2025
Get this card if you...
Annual Fee & Annual Interest Rates
$0
Annual Fee
20.99% - 26.99%
Purchase
22.99% - 27.99%
Cash Advance
Our Take
The Secured Tims® Mastercard® is a no-annual-fee secured credit card designed to help individuals build or rebuild their credit history. It requires a minimum security deposit, which determines the credit limit, and offers rewards such as earning Tims® Rewards Points on purchases, with higher earn rates at Tim Hortons locations.
Eligibility
Good (620 - 670)
Recommended Credit Score
Pros
Cons
Annual Interest Rates
20.99% - 26.99%
Purchase
22.99% - 27.99%
Cash Advance
Fees
$0
Annual Fee
New cardholders are eligible to receive a $20 gift card upon first purchase with their new Tims Mastercard. Offer valid from February 17, 2025, to April 30, 2025.
From February 17, 2025, to April 30, 2025, new customers who apply and are approved for the Tims Mastercard are eligible to receive a $20 CAD Tims Gift Card via email upon their first purchase with their new Tims Mastercard. To receive the Welcome Offer, your first purchase must be made within 30 days of your Tims Mastercard account activation. It can take up to 24 hours from the time of first purchase for the Welcome Offer to be processed and emailed. There is a limit of one Welcome Offer per person, per account, and it cannot be combined with any other offers. This Welcome Offer is subject to the Tims Rewards Terms and Conditions and the Tims Rewards – Tims Mastercard Offer Terms and Conditions.
Our Take
The Secured Tims® Mastercard® is a no-annual-fee secured credit card designed to help individuals build or rebuild their credit history. It requires a minimum security deposit, which determines the credit limit, and offers rewards such as earning Tims® Rewards Points on purchases, with higher earn rates at Tim Hortons locations.
Eligibility
Good (620 - 670)
Recommended Credit Score
Pros
Cons
Annual Interest Rates
20.99% - 26.99%
Purchase
22.99% - 27.99%
Cash Advance
Fees
$0
Annual Fee
New cardholders are eligible to receive a $20 gift card upon first purchase with their new Tims Mastercard. Offer valid from February 17, 2025, to April 30, 2025.
From February 17, 2025, to April 30, 2025, new customers who apply and are approved for the Tims Mastercard are eligible to receive a $20 CAD Tims Gift Card via email upon their first purchase with their new Tims Mastercard. To receive the Welcome Offer, your first purchase must be made within 30 days of your Tims Mastercard account activation. It can take up to 24 hours from the time of first purchase for the Welcome Offer to be processed and emailed. There is a limit of one Welcome Offer per person, per account, and it cannot be combined with any other offers. This Welcome Offer is subject to the Tims Rewards Terms and Conditions and the Tims Rewards – Tims Mastercard Offer Terms and Conditions.
The Secured Tims Mastercard is an excellent option for Canadians looking to establish or rebuild their credit history. This card offers a unique opportunity to enjoy the benefits of a rewards credit card while working on improving one's credit score. Unlike traditional credit cards, the Secured Tims Mastercard requires a security deposit (minimum of at least $50 deposit required), which becomes the credit limit. This makes it an accessible options to Canadians with limited or poor credit history, as the deposit mitigates the risk for the issuer.
One of the key advantages of the Secured Tims Mastercard is that it reports to major credit bureaus regularly. This reporting is crucial for building a positive credit history, as consistent, on-time payments are recorded and can help improve the cardholder's credit score over time.
Additionally, the card offers the same rewards program as the standard Tims Mastercard, allowing users to earn Tims Rewards points on their purchases:
- Earn 12 points per $1 at Tim Hortons restaurants when you scan for Tims Rewards
- Earn 2 points per $1 spent on groceries, gas, and transit
- Earn 1 point per $4 spent on all other purchases
Moreover, the Secured Tims Mastercard comes with no annual fee, making it a cost-effective option for those on a tight budget. As cardholders demonstrate responsible credit use, they may become eligible for a higher credit limit or even transition to an unsecured credit card in the future.
Disclosures:
Conditions Apply
The Tims® Mastercard is issued by Neo Financial™ pursuant to license by Mastercard International Incorporated.
Best Canadian Tire store card
$198
First Year Value
$0
Annual Value
Get this card if you...
Annual Fee & Annual Interest Rates
$0
Annual Fee
21.99% - 25.99%
Purchase
22.99% - 27.99%
Cash Advance
22.99% - 27.99%
Balance Transfer
Our Take
The Canadian Tire Triangle® Mastercard® is a no-annual-fee credit card that allows cardholders to earn Canadian Tire Money® (CT Money) on everyday purchases, with elevated rates at Canadian Tire and participating stores such as Sport Chek, Party City, and Mark's. It also offers benefits like savings on fuel at Gas+ and Petro-Canada locations, as well as access to promotional financing options for eligible in-store purchases, making it an ideal choice for frequent shoppers of Canadian Tire and its affiliated brands.
Eligibility
Good (620 - 670)
Recommended Credit Score
Pros
Cons
Annual Interest Rates
21.99% - 25.99%
Purchase
22.99% - 27.99%
Cash Advance
22.99% - 27.99%
Balance Transfer
Fees
$0
Annual Fee
$2.5
Foreign Transaction
$4
Cash Advance
$25
Return Penalty
Rewards Triangle Rewards
4%
back in Canadian Tire Money (CT Money) at Canadian Tire, Sport Chek, Party City, Pro Hockey Life and more
1.5%
back in CT Money at grocery stores
0.5%
CT Money everywhere else you shop
5¢
per litre back in Canadian Tire Money every time you fill up at Gas+ and Petro-Canada locations
Our Take
The Canadian Tire Triangle® Mastercard® is a no-annual-fee credit card that allows cardholders to earn Canadian Tire Money® (CT Money) on everyday purchases, with elevated rates at Canadian Tire and participating stores such as Sport Chek, Party City, and Mark's. It also offers benefits like savings on fuel at Gas+ and Petro-Canada locations, as well as access to promotional financing options for eligible in-store purchases, making it an ideal choice for frequent shoppers of Canadian Tire and its affiliated brands.
Eligibility
Good (620 - 670)
Recommended Credit Score
Pros
Cons
Annual Interest Rates
21.99% - 25.99%
Purchase
22.99% - 27.99%
Cash Advance
22.99% - 27.99%
Balance Transfer
Fees
$0
Annual Fee
$2.5
Foreign Transaction
$4
Cash Advance
$25
Return Penalty
Rewards Triangle Rewards
4%
back in Canadian Tire Money (CT Money) at Canadian Tire, Sport Chek, Party City, Pro Hockey Life and more
1.5%
back in CT Money at grocery stores
0.5%
CT Money everywhere else you shop
5¢
per litre back in Canadian Tire Money every time you fill up at Gas+ and Petro-Canada locations
With the Canadian Tire Triangle credit card, you're earning 4% back in CT Money at Canadian Tire and its family of stores. We're talking Sport Chek, Mark's, Atmosphere – it's like a shopping spree waiting to happen!
But the card isn't just a one-trick pony. It's got moves at the pump too. You'll be saving 5¢ per litre in CT Money at Gas+ and participating Husky stations. Plus there's the rewards on other purchases:
- Earn 1.5% cash back at grocery stores (up to $12,000 per year)
- Earn 0.5% back everywhere else you shop
For a card with no annual fee, the Triangle Rewards Mastercard doesn't provide the most comprehensive insurance out there, but you can still expect purchase protection and extended warranty coverage. But there is promotional financing or 24 months on purchases of $150 or more at participating Canadian Tire partner brands.
Canadian Tire credit card comparison
Card | Rewards | Income required |
---|---|---|
Canadian Tire Triangle® Mastercard® |
Earn 4% cash back in Canadian Tire Money (CT Money) at Canadian Tire, Sport Chek, Party City, Pro Hockey Life and more
Earn 1.5% cash back at grocery stores (up to $12,000 per year) Earn 0.5% back everywhere else you shop |
N/A |
Canadian Tire Cash Advantage® Mastercard® |
Earn up to 3% cash back at Canadian Tire and Canadian Tire companies such as Mark’s, Atmosphere, Party City, Sport Chek and more
Earn 1.5% cash back on eligible purchases |
N/A |
Canadian Tire Triangle® World Elite® Mastercard® |
Earn 4% back in CT Money on almost everything at Canadian Tire, Sport Chek, Mark's and more
Earn 3% at grocery stores (on the first $12,000 per year; excludes Costco and Walmart) Earn 1% back everywhere else you shop |
$80,000 personal or $150,000 household income |
Store credit cards are a unique type of credit card that lets you make purchases at your favorite brands while earning rewards, paying back the purchase amount over time, or both. Store cards are like that friend who only wants to hang out at one place. They’re typically tied to a single store or chain (think Canadian Tire or Hudson’s Bay). Here’s what makes them unique:
- Usually only usable at the issuing store or its affiliates
- Often come with juicy discounts and perks specific to that store
- Might have lower credit requirements (easier to get approved)
- Interest rates higher than a moose on stilts (seriously, watch out for these!)
Closed loop vs open loop credit cards
Store cards are similar to, but different than retail credit cards. Retail cards are typically usable anywhere the card network (Visa, Mastercard, etc.) is accepted, whereas a store card can only be used at that particular store or brands. This is known as a "closed-loop credit card," as opposed to an "open-loop credit card," which bears the Visa, Mastercard or Amex network name.
Top tip: Pay in full to avoid headaches
Store card interest rates are often higher than found with other reward cards. Avoid carrying a balance like you'd avoid a skunk at a picnic - otherwise you'll be on the hook for huge interest charges.
Canadians are spending some serious money at Canada's biggest retail giants. Whether it's for their weekly grocery haul or a year's supply of maple syrup, these stores are where a big chunk of Canadian wallets are being emptied.
Here's the annual sending with Canada's biggest retailers as of 2023:
Dunnhumby's Canadian Retailer Preference Index
Before you hit the "Apply Now" button on that next card make sure you consider the following things:
- 1.
Interest rates: While the average credit card in Canada sports an interest rate of around 20%, retail credit cards often push that envelope even further. We're talking rates that can soar up to 29.99% in some cases. Before you're lured in by that "10% off your first purchase" offer, make sure you're prepared to pay off that balance in full each month. Otherwise, you might find yourself in a financial mess that's hard to escape.
- 2.
Rewards: Look for cards that offer more than just points at a single retailer. The best store cards will give you a reason to whip them out even when you're not at their storefront. Think cash back on groceries, gas, or even that late-night snack runs.
- 3.
Usability: Store credit cards often come with a catch – they're usually only good at that specific store or family of stores. Before you commit, ask yourself: How often do you actually shop at this store?
- 4.
Sign-up bonuses: "Get 20% off your purchase today when you sign up!" Sounds tempting, right? But before you jump on that deal, do the math. If you're making a big purchase, that discount could be sweet. But if you're just buying a pair of socks, is it worth the hard credit inquiry and the temptation of future spending?
- 5.
Annual fees: Most store credit cards in Canada skip the annual fee, but always double-check. Some premium retail cards might try to sneak in a fee, justifying it with extra perks.
- 6.
Fine print: Look out for things like deferred interest promotions that can backfire if you don't pay off the balance in time, or rewards that expire.
Pros and cons
Pros
-
Rewards: Many store cards offer juicy points or cashback on purchases, turning your shopping sprees into future freebies
-
Welcome bonuses: Many stores offer hefty discounts on your first purchase with their card. It's like they're paying you to shop (kind of)
-
Easier approval: Store credit cards typically require a lower credit score for approval. Usually you'll need average credit to get a new store card, though this may differ by issuer
Cons
-
Interest rates: Store card interest rates often soar higher than your favorite department store's top floor
-
Limited use: Some store cards only work at the brand on the card label. Closed-loop store cards lack a Visa, Mastercard or American Express network meaning you can't use them worldwide.
Top tips: Be selective
Don't just collect store cards like a hobby! Pick ones that match where you actually shop. If you're at Canadian Tire more often than your own garage, their Triangle Mastercard might be your new BFF.
Summary of our best store credit cards in Canada list
Card Name | Store Rewards | Get Started |
---|---|---|
PC® Mastercard® |
Best for groceries & gas in Canada
◦ $0 annual fee ◦ Earn 25 points per $1 at Shoppers Drug Mart and Pharmaprix. ◦ 30 points per $1 when purchasing travel through President’s Choice ◦ Earn 10 points per $1 spent everywhere. |
Apply Now |
CIBC Costco Mastercard® |
Best for Costco® shoppers
◦ $0 annual fee ◦ 3% cash back at restaurants and at Costco gas† ◦ 2% cash back at other gas stations, electric vehicle charging stations and at Costco.ca† ◦ 1% cash back on all other purchases† |
Apply Now |
Walmart Rewards™ Mastercard® |
Best for Walmart shoppers
◦ $0 annual fee ◦ 1.25% back in Walmart Rewards on all purchases made in-store or online at Walmart ◦ 1% back in Walmart Rewards at any gas station |
Apply Now |
Amazon.ca Rewards Mastercard |
Best for Amazon.ca shoppers
◦ $ 0 annual fee ◦ Eligible Prime members get 2.5% back on eligible purchases at Amazon.ca and Whole Foods Market stores. ◦ 1% back on eligible purchases everywhere else Mastercard is accepted |
Apply Now |
Hudson’s Bay Mastercard® |
Best for Hudson Bay frequent shoppers
◦ $0 annual fee ◦ Earn up to 4 Rewards points on almost every $1 you spend in Hudson's Bay stores* and at thebay.com. ◦ Earn 2 Rewards points on almost every $1 you spend outside of Hudson’s Bay stores. |
Apply Now |
Find the top store card for your needs
When choosing a store card in Canada, carefully evaluate the rewards rate, annual fees, interest rates, and additional perks offered. Select a card that aligns with your shopping habits and preferred retailers. Consider how the card integrates with your existing financial tools and its potential impact on your credit score. Always read the terms and conditions before applying. Responsible use of store cards can provide valuable rewards, but it's essential to manage them wisely to avoid high interest charges. Regularly review your card's performance against your financial goals.
FAQs
Sources

Daniel Teo is a personal finance expert and travel writer based in Toronto. With a passion for financial literacy and a wanderlust that has brought him to over 30 countries, his stories touch on what’s possible when you achieve financial goals. His work has appeared in The Globe and Mail, the Toronto Star, CBC and on BNN.
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Disclaimer
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†Terms and Conditions apply.