Merchants • Retail

Best Credit Cards for Canadian Tire

Among the cards CardTruth has reviewed, the Triangle Mastercard earns the most at Canadian Tire: 4% back, worth 4% of what you spend. Compare the top two →

Cards accepted

In store
Visa, Mastercard and American Express
Online
Visa, Mastercard and American Express

Online orders take one card per transaction.

How purchases code (MCC)

  • 5531Auto and home supply storesVaries

    Not confirmed. Canadian Tire sells auto, hardware and home goods, which networks class as auto and home supply stores, but reports differ by card and department. Triangle cards earn their store rate here by name, whatever the code.

A purchase's code is set by the merchant's payment processor and card network, not by your card, and it can differ by location, network and over time (American Express classifies merchants itself). Your statement shows how a purchase actually coded. Last verified October 2026.

Personal cards accepted in store

  1. Triangle MastercardNamed in the card's terms
    4%4% back
  2. Triangle World EliteNamed in the card's terms
    4%4% back
  3. Amex Aeroplan ReserveBase rate
    ≈2.5%1.25x points
  4. CIBC Aeroplan Visa Infinite PrivilegeBase rate
    ≈2.5%1.25x points
  5. TD Aeroplan PrivilegeBase rate
    ≈2.5%1.25x points
Show all 82 personal cardsShow fewer
  1. RBC Avion PrivilegeBase rate
    ≈2.25%1.25x points
  2. Amex Aeroplan CardBase rate
    ≈2%1x points
  3. Amex CobaltBase rate
    ≈2%1x points
  4. Amex GoldBase rate
    ≈2%1x points
  5. Amex GreenBase rate
    ≈2%1x points
  6. CIBC Aeroplan Visa InfiniteBase rate
    ≈2%1x points
  7. Scotia Platinum AmexBase rate
    ≈2%2x points
  8. Amex SimplyCash PreferredBase rate
    2%2% back
  9. TD Aeroplan InfiniteBase rate
    ≈2%1x points
  10. Amex PlatinumBase rate
    ≈2%1x points
  11. WS Visa Infinite+Base rate
    2%2% back
  12. WS Visa Infinite PrivilegeBase rate
    2%2% back
  13. Marriott Bonvoy AmexBase rate
    ≈1.8%2x points
  14. RBC Avion InfiniteBase rate
    ≈1.8%1x points
  15. RBC Avion PlatinumBase rate
    ≈1.8%1x points
  16. BMO VIPorter World EliteBase rate
    ≈1.5%1x points
  17. RBC British AirwaysBase rate
    ≈1.5%1x points
  18. WestJet World EliteBase rate
    ≈1.5%1.5x points
  19. CIBC Aeroplan VisaBase rate
    ≈1.34%0.67x points
  20. CIBC Aeroplan Visa (Student)Base rate
    ≈1.34%0.67x points
  21. TD Aeroplan PlatinumBase rate
    ≈1.34%0.67x points
  22. CIBC Aventura Visa Infinite PrivilegeBase rate
    ≈1.25%1.25x points
  23. Amex SimplyCashBase rate
    1.25%1.25% back
  24. BMO CashBack World EliteBase rate
    1%1% back
  25. CIBC Aventura Gold VisaBase rate
    ≈1%1x points
  26. CIBC Aventura Visa InfiniteBase rate
    ≈1%1x points
  27. CIBC Costco MastercardBase rate
    1%1% back
  28. CIBC Dividend Platinum VisaBase rate
    1%1% back
  29. CIBC Dividend Visa InfiniteBase rate
    1%1% back
  30. PC Insiders World Elite MastercardBase rate
    1%1% back
  31. PC MastercardBase rate
    1%1% back
  32. PC World Elite MastercardBase rate
    1%1% back
  33. PC World MastercardBase rate
    1%1% back
  34. RBC Cash Back PreferredBase rate
    1%1% back
  35. Momentum VisaBase rate
    1%1% back
  36. Momentum Visa (Student)Base rate
    1%1% back
  37. Momentum Infinite+Base rate
    1%1% back
  38. Scotiabank AmexBase rate
    ≈1%1x points
  39. Scotiabank Amex (Student)Base rate
    ≈1%1x points
  40. Scotia Gold AmexBase rate
    ≈1%1x points
  41. Scotia Passport PrivilegeBase rate
    ≈1%1x points
  42. Scotia Passport Infinite+Base rate
    ≈1%1x points
  43. Scotia Scene+ VisaBase rate
    ≈1%1x points
  44. Scotia Scene+ Visa (Student)Base rate
    ≈1%1x points
  45. ScotiaGold PassportBase rate
    ≈1%1x points
  46. TD Cash Back InfiniteBase rate
    1%1% back
  47. TD First Class TravelBase rate
    ≈1%2x points
  48. WestJet RBC MCBase rate
    ≈1%1x points
  49. CIBC Adapta MastercardBase rate
    ≈0.83%1x points
  50. CIBC Adapta Mastercard (Student)Base rate
    ≈0.83%1x points
  51. moi RBC VisaBase rate
    ≈0.8%1x points
  52. BMO VIPorter MastercardBase rate
    ≈0.75%0.5x points
  53. TD Platinum TravelBase rate
    ≈0.75%1.5x points
  54. RBC IONBase rate
    ≈0.71%1x points
  55. RBC ION+Base rate
    ≈0.71%1x points
  56. RBC U.S. Dollar GoldBase rate
    ≈0.71%1x points
  57. BMO Ascend World EliteBase rate
    ≈0.67%1x points
  58. BMO Blue Rewards World EliteBase rate
    ≈0.67%1x points
  59. BMO eclipse Visa InfiniteBase rate
    ≈0.67%1x points
  60. BMO eclipse Visa Infinite PrivilegeBase rate
    ≈0.67%1x points
  61. More Rewards InfiniteBase rate
    ≈0.6%4x points
  62. BMO CashBack MastercardBase rate
    0.5%0.5% back
  63. CIBC Aventura VisaBase rate
    ≈0.5%0.5x points
  64. CIBC Aventura Visa (Student)Base rate
    ≈0.5%0.5x points
  65. CIBC Dividend VisaBase rate
    0.5%0.5% back
  66. CIBC Dividend Visa (Student)Base rate
    0.5%0.5% back
  67. CIBC USD Aventura Gold VisaBase rate
    ≈0.5%0.5x points
  68. RBC Cash Back MCBase rate
    0.5%0.5% back
  69. Momentum MastercardBase rate
    0.5%0.5% back
  70. Momentum No-Fee VisaBase rate
    0.5%0.5% back
  71. Momentum No-Fee (Student)Base rate
    0.5%0.5% back
  72. BMO CashBack Mastercard (Student)Base rate
    0.5%0.5% back
  73. TD Cash Back VisaBase rate
    0.5%0.5% back
  74. TD Rewards VisaBase rate
    ≈0.5%1x points
  75. More Rewards VisaBase rate
    ≈0.45%3x points
  76. BMO Blue Rewards MastercardBase rate
    ≈0.34%0.5x points
  77. BMO eclipse rise VisaBase rate
    ≈0.34%0.5x points

Business cards

  1. Amex Aeroplan Business ReserveBase rate
    ≈2.5%1.25x points
  2. Amex Business PlatinumBase rate
    ≈2.5%1.25x points
  3. Amex Business Gold RewardsBase rate
    ≈2%1x points
Show all 4 business cardsShow fewer
  1. Marriott Bonvoy Business AmexBase rate
    ≈1.8%2x points

Values are cash-back equivalents: percentage rates as stated, and points at CardTruth's estimated point value (each teardown's Points & Redemption section explains it). Rates come from each card's terms; welcome offers aren't included. Confirm current rates with the issuer before you rely on them.