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.
The best no-fee card for Canadian Tire family-store shoppers: 4% back in CT Money at Canadian Tire, Sport Chek, Mark's and partners, plus 3% groceries and fuel discounts — if you shop there.
Regular Canadian Tire / Sport Chek / Mark's shoppers
4% there with no fee is hard to beat.
Suburban drivers who fill up at Gas+/Petro-Canada.
You rarely shop at Canadian Tire family stores
CT Money then has little practical value.
You want cash back or universal rewards (a flat-cashback card is better as a primary card).
Watch-outs Rewards are store-locked CT Money, not cash. · 0.5%–1% base rate is low; this is a loyalty card, not a primary everyday card. · Grocery 3% caps at $12k/yr and excludes Costco/Walmart; 2.5% FX fee.
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.