Reward estimates are based on published earn rates and may vary. Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based on your spending data, not commissions. Butter provides information and tools, not financial advice.
A no-fee Canadian Tire cash-back card whose rate climbs the more you spend in a year — which means the advertised 1.5% is not what most people actually get.
Very high spenders who put everything on one card and shop the Canadian Tire family regularly.
You spend moderately. Below $3,000 a year you are earning 0.25–0.5%, which almost any other no-fee card beats.
You want your cash back promptly
it arrives annually.
Watch-outs The advertised 'up to 1.5%' is the top marginal band, not a blended rate. Most cardholders will never see it. · The rate resets each program year, so the low bands are paid again every year. · Butter shows the entry rate on purpose. Treat the ranking here as a floor, not an estimate.
Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based solely on your spending data, not commissions. Butter provides information and tools, not financial advice. Card details such as earn rates, fees and bonuses may change. Verify on issuer's site → Always confirm with the issuer before applying.