Best Store Credit Cards in Canada
The best store credit cards in Canada reward purchases at places you already shop. Some also offer useful perks, like grocery delivery, roadside assistance and flexible financing for larger purchases.
Summary: The best store credit cards in Canada
| Card | NerdWallet rating | Choose if… | Apply Now |
|---|---|---|---|
| PC World Elite Mastercard | APPLY NOW on PC Financial's website | ||
 APPLY NOW on PC Financial's website | 4.2/5 | You shop at Loblaws, No Frills or Shoppers and don’t need PC Express. | |
| Triangle™ World Elite Mastercard® | |||
 | 4.6/5 | You shop at Canadian Tire, Sport Chek or Mark’s and would use roadside assistance. | |
| CIBC Costco®† Mastercard® | |||
 | 5.0/5 | You fill up at Costco and spend regularly at restaurants. | |
The best store credit cards in Canada
Rewards breakdown
Rewards breakdownPoints per $1 at Shoppers Drug Mart stores.
Points per $1 at Loblaw banner grocery and Joe Fresh stores.
Points per $1 everything else, plus 7¢ per litre in points at Esso and Mobil stations in Canada.
NerdWallet's take
NerdWallet's takeWith accelerated earn rates at Loblaws grocery stores, Shoppers Drug Mart stores and Joe Fresh stores, frequent shoppers can rack up the rewards. But the $80,000 minimum income requirement may exclude some users. Best for: Frequent Loblaw shoppers who spend big in partner stores.
Pros
- Free PC Express grocery delivery and pickups.
- Some travel insurance included.
Cons
- Higher earn rates are only available at certain stores.
- Steep $80,000 minimum income requirement for individuals, or $150,000 per household.
Card details
Card details- $120 annual fee.
- Earn up to 70 PC Optimum points per 1 litre of purchased gas when you fuel up at Esso and Mobil gas stations in Canada, equivalent to 7 cents/L back; 50 points per $1 spent at Shoppers Drug Mart and Pharmaprix stores, equivalent to 5% back; 40 points per $1 spent at Loblaw banner grocery stores and Joe Fresh, equivalent to 4% back; 10 points per $1 spent everywhere else, equivalent to 1% back.
- Redeem a minimum of 10,000 points for free products and groceries at participating stores. Redeem 10,000 for a $7 statement credit to pay down your balance or for any car wash (including premium) at Esso stations.
- Rental car coverage included.
- Additional cardholders are free.
- Mastercard Global Services replaces your card or offers a cash advance in emergencies.
- Unlimited free online grocery delivery and pickups and complimentary PC Express Pass (valued at $99.99 per year).
- Purchase assurance.
- Free extended warranty.
- To be eligible, $80,000 (individual) or $1500,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
Why we like it
The PC Insiders World Elite Mastercard is one of Canada’s strongest store credit cards. Yes, it has a $120 annual fee, but it’s packed with value you rarely get from this kind of credit card.
Let’s start with the rewards. You can get a welcome bonus worth up to $50, and earn up to 50 PC Optimum points per dollar spent on purchases. You can earn points at Shoppers Drug Mart, Loblaw banner grocery stores, Joe Fresh, Esso, Mobil and more.
This card also comes with a perk my family gets lots of use out of: the PC Express Pass. Worth $99 a year, it gives you unlimited no-fee grocery delivery and pickup on eligible orders. If you’d pay for PC Express anyway, the included pass covers most of the card’s annual fee before you count any points.
Finally, this card has a few other features you may find useful, like travel emergency medical insurance and rental car insurance.
Rewards breakdown
Rewards breakdownPoints per $1 at Shoppers Drug Mart and Pharmaprix stores.
Points per $1 at Loblaw banner grocery and Joe Fresh stores.
Points per litre at Esso and Mobil gas stations.
Points per $1 everywhere else.
NerdWallet's take
NerdWallet's takeThis co-branded card generously rewards Loblaw shoppers with up to 4.5% back on everyday spending categories, like gas, groceries and drugstore purchases. That said, points are only redeemable at Loblaw stores, and steep income criteria limits this card’s accessibility. Best for: High-income earners who frequently shop Loblaw-affiliated stores.
Pros
- No annual fee.
- Up to 4.5% back in everyday spending.
- Some travel insurance.
Cons
- High $80,000 individual or $150,000 household annual income requirement.
- Highest earn rate limited to drugstore spending.
- Points only redeemable at participating Loblaw-owned stores, Shoppers Drug Mart/Pharmapix, and Esso gas stations.
Card details
Card details- 45x PC Optimum points per dollar on Shoppers Drug Mart purchases, equivalent to 4.5% back.
- 30x PC Optimum points per dollar on Loblaw banner grocery store purchases, equivalent to 3% back.
- 30x PC Optimum points per dollar per litre of gas purchased at Esso and Mobil gas stations, equivalent to 3 cents/L back.
- 10x PC Optimum points per dollar on all other purchases, equivalent to 1% back.
- Redeem 10,000 points for free products and groceries at participating stores. Redeem 10,000 for a $7 statement credit to pay down your balance or for any car wash (including premium) at Esso stations.
- No annual fee.
- 24/7 concierge service to make dinner reservations, reserve event tickets, deliver gifts and more.
- Access to identity theft services to help you avoid identity theft or restore your identity if stolen.
- Four types of insurance provided, including comprehensive travel insurance, car rental collision/loss damage waiver insurance, extended warranty and purchase assurance.
- Preferred rates: 21.99% for purchases, 22.97% for cash advances.
- To be eligible, $80,000 (individual) or $150,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
Why we like it
The PC World Elite Mastercard gives regular Loblaw and Shoppers customers a way to earn more PC Optimum points without paying an annual fee. It earns up to 45 PC Optimum points per dollar spent on purchases at participating stores, which include Loblaw banner grocery stores, Shoppers Drug Mart, Joe Fresh, Esso, Mobil and more. Plus, you’ll score a welcome bonus worth up to $50 in points.
This is the simpler choice if you shop in person or wouldn’t buy a PC Express Pass. You give up the Insiders card’s higher store earn rates and included pass, but you also remove the need to earn back a $120 annual fee. You’ll also get travel emergency medical insurance for trips up to 10 days and rental car insurance.
Rewards breakdown
Rewards breakdownCT Money at Canadian Tire or its affiliate stores.
CT Money at grocery stores (on the first $12,000 per year, 1% after that).
CT Money everywhere else.
NerdWallet's take
NerdWallet's takeIf you spend big regularly at Canadian Tire, stop scrolling — earn 4% back at the retail giant, 3% back at grocery stores and 1% on everything else. You also get access to rental car coverage, gas discounts and roadside assistance, with no annual fee. But the steep $80,000 minimum income requirement may disqualify some users. Best for: High earners who spend big at Canadian Tire.
Pros
- No annual fee.
- Rental car insurance.
- Roadside assistance.
Cons
- $80,000 minimum income requirement.
- Top 4% earn rate is for CT stores only.
Card details
Card details- Collect 3% in Canadian Tire Money on the first $12,000 spent at eligible grocery stores per year and 1% on eligible grocery purchases after that.
- Collect 4% in Canadian Tire Money on qualifying purchases at Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Party City, Pro Hockey Life, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, and participating Sports Experts stores.
- Collect 7 cents in Canadian Tire money per litre of premium fuel, and 5 cents per litre on all other fuel types purchased at Gas+/Essence+ locations.
- Canadian Tire Money can be redeemed at Canadian Tire, Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepot du Hockey and participating Mark’s/L’Equipeur and Sports Experts stores.
- No fee, no interest financing on qualifying purchases of $150 or more at participating stores. Conditions apply.
- No-receipt returns at participating stores.
- Access to member-only events and personalized offers.
- Priority queuing when calling the Triangle call centre.
- Enrollment in the Triangle World Elite Mastercard Roadside Assistance Gold Plan, which includes 5 service calls per year and unlimited tows to any Canadian Tire Auto Service Centre within towing limits.
- Car rental collision/loss damage waiver insurance.
- Extended warranty insurance for eligible purchases.
- Eligibility: Must be a Canadian resident and the age of majority in the province/territory of residence.
- No annual fee.
- No fee for obtaining a supplementary card on the same account.
- Interest rates: 19.99% on purchases, 22.99% on cash transactions (21.99% in Quebec).
Why we like it
The Triangle World Elite Mastercard has no annual fee and offers great benefits for Canadian Tire shoppers, including a Roadside Assistance Gold Plan with towing of up to 250 kilometres per service call in Canada or the U.S., and rental car insurance coverage. For a driver who would otherwise pay for assistance, that may be the card’s most useful feature.
This card earns up to 4% back in Canadian Tire Money at Canadian Tire, Sport Chek, Party City, Atmosphere and more. Eligible groceries earn 3% back in CT Money on the first $12,000 spent annually, though Costco and Walmart are excluded. It also earns 5 cents in Canadian Tire Money per litre at Gas+ and Essence+ locations, or 7 cents per litre on premium fuel.
Finally, you can use this card to finance qualifying purchases of $150 or more at participating retailers with no fees and no interest for up to 24 months.
Rewards breakdown
Rewards breakdownCash back at restaurants.
Cash back at Costco gas.
Cash back at other gas stations.
Cash back at Costco.ca.
Cash back on all other purchases including at Costco.
NerdWallet's take
NerdWallet's takeThis no-annual-fee Costco card offers 3% back on restaurants and Costco gas, 2% back on Costco.ca purchases and a flat 1% back everywhere else. You’d imagine this card’s highest cash-back rate would apply to Costco warehouse purchases, but you’d be wrong. Costco regulars may want to consider other cash-back cards that reward in-store purchases. Best for: Costco members who want a card that boosts dining and fuel spend and don’t mind redeeming cash-back rewards in-warehouse.
Pros
- No annual fee.
- Cash-back rates of up to 3%.
Cons
- Cash back can only be redeemed at Costco.
- Eligibility requires an active Costco membership.
Card details
Card details- 3% cash back at restaurants and at Costco gas.
- 2% cash back at other gas stations and at Costco.ca.
- 1% cash back on all other purchases, including at Costco.
- No annual fee.
- Pay for purchases of $100 or more with CIBC Pace It low-rate Installment Plans, spreading payments over a fixed term. Take advantage of special Installment Plan interest rates with no installment fees on eligible Costco purchases in Canada and at Costco.ca.
- Make quick and secure payments using Apple Pay®, Google Pay™ and Samsung Pay® when you add your new card to your mobile wallet.
- Redeem your annual cash back gift certificate at any Canadian Costco warehouse.
- Get 0.25% cash back for every $1 spent on a CIBC Global Money Transfer™. There are no transaction fees, and interest won’t be charged, as long as the balance is paid by the payment due date.
- Preferred rates: 19.75% for purchases, 21.49% for cash advances.
- To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live. You must also have a valid Costco Wholesale membership.
- The information for the CIBC Costco®† Mastercard® has been collected independently by NerdWallet. The card details on this page have not been reviewed or provided by the card issuer.
Why we like it
The CIBC Costco Mastercard offers a curious mix of rewards that may benefit Costco shoppers. You can earn 3% cash back at restaurants and Costco Gas bars (up to $5,000 annually), 2% cash back at other gas stations and Costco.ca (up to $8,000 annually), and 1% cash back on all other purchases, including at Costco warehouses. So it can be a good addition for a member who fills up at Costco and dines out, even if another Mastercard is better for the warehouse checkout.
This card has no annual fee, but it does require a Costco membership, which starts at $65 per year. And, rather than receiving cash back as you earn it, you get an annual Costco gift certificate that can be redeemed in a Canadian warehouse. If you’re already a member and shop there routinely, that’s straightforward; if you prefer rewards you can use throughout the year, it’s a meaningful limitation.
You can also use this card to finance larger Costco purchases for up to 24 months with preferred interest rates and no installment fees through CIBC Pace It Installment Plans.
Rewards breakdown
Rewards breakdownCash back in Walmart Reward Dollars on every $1 spent at Walmart.ca.
Cash back in Walmart Reward Dollars on every $1 spent at gas stations.
Cash back in Walmart Reward Dollars on every $1 spent at Walmart stores.
Cash back in Walmart Reward Dollars on all other purchases.
NerdWallet's take
NerdWallet's takeThis card is designed to reward Walmart shoppers — both in-store and online — who want to maximize the value of money spent at this popular superstore. Cardholders earn Walmart Reward Dollars on everyday purchases and gain access to valuable perks, like six free months of Walmart Delivery Pass. Best for: Walmart regulars.
Pros
- No annual fee.
- Earn up to 3% on every eligible $1 spent.
Cons
- Interest rates as high as 26.99%.
- High $80,000 annual household income requirement.
- No travel insurance.
Card details
Card details- Walmart Rewards Mastercard® has no annual fee and lets you easily spend your Walmart Reward Dollars like cash on your choice of virtually anything Walmart sells online and in store.
- You can earn Walmart Reward Dollars by using your Walmart Rewards Mastercard® or your Walmart Rewards World Mastercard® with every purchase you make on the card.
- Walmart Reward Dollars can be redeemed at Walmart stores in Canada and online at Walmart.ca. You can redeem Walmart Reward Dollars in $5 increments for virtually anything Walmart sells.
- Boingo Wi-Fi for Mastercard — access to over 1 million hotspots worldwide — all at no added cost, and no added fees or roaming charges.
- Purchase Assurance Protection against theft, loss or damage in the first 90 days on eligible purchases made on your card from the date of purchase.
- Extended Warranty Protection which doubles the manufacturer’s regular repair services warranty for up to an additional warranty year on eligible purchases made on your card.
- Existing Walmart Rewards Mastercard® cardholders can qualify for the World card by spending $15,000 or more on their card in the previous 12 months.
- New applicants for a Walmart Rewards Mastercard® will be eligible for the World card if they have an annual household income of $100,000 or more. Standard credit and other approval criteria apply.
Why we like it
The Walmart Rewards World Mastercard has no annual fee and offers Walmart Reward Dollars on every eligible purchase.
This card starts you off with a welcome bonus worth up to $25 in Walmart Reward Dollars. You’ll also earn 3% back in rewards when you shop at Walmart stores and online, and 1% back on purchases everywhere else.
This card also comes with a 50% discount on an annual Walmart+ membership (a value of $44.50) when you pay for the membership with the card. Walmart+ includes free same-day delivery and free shipping on eligible orders with no minimum purchase.
You can also use this card to finance larger Walmart purchases of $199.99 or more over six months with no interest and no setup fees.
Rewards breakdown
Rewards breakdownCash back on Amazon.ca and Whole Foods Market store purchases for Prime members (1.5% for non-Prime members).
Cash back on eligible foreign currency transactions (1.5% for non-Prime members).
Cash back everywhere else Mastercard is accepted.
NerdWallet's take
NerdWallet's takeA no-fee Amazon-branded card that’s ideal for Prime members: get 2.5% back at Amazon.ca and Whole Foods, plus 2.5% back on international purchases to help offset the card’s 2.5% foreign exchange fee. Rewards are redeemable for Amazon.ca gift cards — convenient, but as far as reward redemptions are concerned, a less flexible option than cash back. Best for: Amazon.ca Prime members and Whole Foods shoppers who value simple, at-checkout rewards.
Pros
- No annual fee.
- Up to 2.5% back at Amazon.ca & Whole Foods.
- 2.5% back on foreign-currency purchases.
Cons
- Non-Prime reward rates drop to 1.5% at Amazon.ca and Whole Foods, and 1% on foreign-currency purchases.
- Rewards can only be redeemed on Amazon.ca.
Card details
Card details- Earn 5% back on your first $3,000 in eligible purchases at Amazon.ca, Whole Foods Market stores, grocery stores, and restaurants.
- Earn rewards on eligible purchases at Amazon.ca — including Whole Foods Market stores in Canada.
- After the welcome offer ends, eligible Prime members get 2.5% back on eligible purchases at Amazon.ca and Whole Foods Market stores.
- Eligible Prime members always get 2.5% back on eligible foreign currency transactions to help cover foreign transaction fees.
- After the welcome offer ends, non-Prime members get 1.5% back on eligible purchases at Amazon.ca and Whole Foods Market stores. Always get 1% back on eligible foreign currency transactions to help cover foreign transaction fees.
- Receive 1% back on eligible purchases everywhere else Mastercard is accepted.
- Rewards can be redeemed at Amazon.ca and applied directly to eligible Amazon.ca items.
- No annual credit card fee.
- The MBNA Payment Plan can make it more convenient to pay for large purchases and manage a budget. Pay for eligible credit card purchases of $100 or over by making monthly payments. Choose from three Payment Plan terms: 6, 12 or 18 months. Conditions and fees apply.
- Preferred rates: 19.99% for purchases, 22.99% for cash advances.
- To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
Why we like it
For a Prime member, $800 in eligible Amazon.ca purchases earns a $20 Amazon gift card toward a future order. The Amazon.ca Rewards Mastercard has no annual fee, so it can add value to orders you’re already placing.
The first six months broaden the appeal. New cardholders earn 5% back on up to $3,000 in eligible Amazon.ca, Whole Foods, grocery and restaurant purchases. After that, you'll get 2.5% back at Amazon.ca and Whole Foods stores, 2.5% back on foreign transactions (to help offset the card’s 2.5% foreign transaction fee) and 1% back on everything else. Note that a Prime membership is required to get this card's best rewards.
This card also allows you to finance large Amazon purchases of $50 or more over three to 12 months with no interest and no setup fee.
Methodology
NerdWallet Canada selects the best credit cards based on overall consumer value as well as their suitability for specific kinds of consumers. Factors in our evaluation methodology include each card’s earning rates, rewards structure (such as flat-rate or bonus categories), annual fee, redemption options, promotional APR period for purchases, bonus offers for new cardholders, and noteworthy features such as insurance, loyalty bonuses or the ability to choose one’s own rewards categories.
How we selected the best store credit cards
To find the best store credit cards in Canada, we looked for store-branded credit cards that had the most to offer. We considered the value cardholders could get at each retailer, how easily they could use their rewards, the cost of holding the card, and benefits such as delivery, financing plans, and other features and benefits
When is a store’s credit card the best card to use?
A store credit card is branded with a retailer or its rewards program. The cards in this roundup can be used anywhere Mastercard is accepted, but offer their strongest rewards or perks at particular stores. That doesn’t mean the store’s own card is always your best way to pay there.
Not when another rewards card earns more at that store
Store loyalty programs are typically free. With PC Optimum, Triangle Rewards, RBC More Rewards or MOI Rewards, you may be able to collect points or offers while paying with a credit card you already have.
That card might earn extra rewards at the retailer, too. Scotiabank Scene+ cards reward spending at participating Sobeys-family grocers, while BMO Blue Rewards cards earn more at partners such as Dollarama and Pharmasave.
Compare what each payment card adds to any store rewards you could collect either way. Keep in mind that the rules vary: simply scanning a Scene+ membership card at most participating grocery stores doesn’t earn points per dollar.
Not when your cash-back card beats its rewards rate
Check what a cash-back card you already have earns at the same retailer. The table shows the approximate rate it would need to exceed to earn more than the store card’s purchase rewards.
Store credit card | Cash-back rate to beat |
|---|---|
PC Insiders World Elite Mastercard | 4% at participating Loblaw grocery banners; 3.5% at Shoppers Drug Mart. |
PC World Elite Mastercard | 3% at participating Loblaw grocery banners or Shoppers Drug Mart. |
Triangle World Elite Mastercard | 3.6% at participating Triangle retailers, including Canadian Tire, Sport Chek and Mark’s. |
CIBC Costco Mastercard | 1% in Costco warehouses; 3% at Costco Gas. |
Walmart Rewards World Mastercard | 3% at Walmart stores and Walmart.ca. |
Amazon.ca Rewards Mastercard | 2.5% at Amazon.ca and Whole Foods for eligible Prime members; 1.5% without Prime. |
So, if you can already earn more than 1% in cash back in Costco warehouses, and don’t use Costco Gas, the CIBC Costco Mastercard is not your best choice.
How to choose a store credit card
Consider these features and benefits when choosing a store credit card.
Store or brand. It doesn’t make sense to get a grocery store’s credit card if you never shop there. Look for a card that reflects your spending habits.
Annual fee or membership cost. Most cards on this list have no annual fee, but some have a fee or require a paid store membership. Consider what you’d get for that cost.
Interest rate and other fees. Most store credit cards charge high purchase interest rates of 19.99% or more. Keep this and other fees in mind, especially if you plan to carry a balance.
Welcome offer. Some store credit cards offer a small welcome bonus for new members. Look at what you must spend, where and by when to qualify.
Rewards categories. Most store credit cards reward spending at specific brands and only offer limited rewards on other categories. Consider whether the card’s reward categories are compatible with your spending habits.
How rewards can be used. Most store credit card rewards can only be redeemed for merchandise at participating stores. Just remember: store credit is only useful when you know you’ll return to that retailer. Look for a cash-back or travel credit card instead if you would prefer more flexible rewards.
Financing options. Many store credit cards offer flexible financing on larger purchases with no interest and no additional fees. Check the purchase minimum, plan fees or interest, required payments, and whether financed purchases still earn rewards.
Other benefits. Some store credit cards offer additional features you may be interested in, like free delivery from participating brands.
Pros and cons of store credit cards
Pros
- Many have no annual fee
- May offer higher rewards at a store you already use
- May come with a welcome bonus
- May offer installment plans or useful perks such as delivery or roadside assistance
Cons
- Lack features and benefits relative to premium cards with annual fees
- Rewards are usually limited to participating stores or brands
- May earn less on spending elsewhere
- May require a paid membership or charge an annual fee to qualify
Worth knowing: store rewards and financing are different benefits
Some cards in this roundup offer installment plans, but their terms differ considerably:
Triangle offers no-fee, no-interest equal payments on qualifying purchases when the plan’s conditions are met.
CIBC’s Costco plans charge preferred interest rates.
Walmart’s six-month plan gives up the Reward Dollars you would otherwise earn on the financed purchase.
Amazon.ca’s checkout payment plans may offer no interest or setup fee, while MBNA’s separate general payment plans have applicable fees.
If a payment plan is the main reason you’re considering a card, compare its total cost and required payments separately from the rewards pitch.
Frequently asked questions
What is a store credit card?
A store credit card is a credit card that ties its rewards and benefits to a specific brand or store. While these cards usually offer rewards and benefits relevant to one retailer, they can be used anywhere.
Can I use a store credit card anywhere?
Yes. While some retailers in the United States offer credit cards that can only be used at specific brands, Canadian store credit cards can be used anywhere — although their features and benefits may be limited outside of their branded ecosystem.
Do store credit cards affect your credit score?
Yes. These are credit cards, so your application, balance and payment history can affect your credit. Make payments on time and avoid carrying a balance solely to earn store rewards.
Does the CIBC Costco Mastercard earn the most at Costco?
Not necessarily. It earns 1% inside Costco warehouses. A Mastercard that earns more than 1% on general purchases could produce a better return there, like the Rogers Red World Elite Mastercard, which offers up to 2% cash back on all purchases including at Costco. The Costco card may be more useful at Costco Gas, restaurants and Costco.ca.
What’s the difference between the two Walmart Rewards cards?
Both currently earn 3% in Reward Dollars at Walmart and 1% elsewhere. The World version provides a larger Walmart+ annual-membership credit and additional purchase protections, and has a household income requirement. By comparison, most cash-back and rewards credit cards offer a base earn rate at Walmart which could be as low as 0.5%.
What credit card should I use for grocery shopping?
The best credit card for grocery shopping depends on where you shop. To get a better idea of the right card for your next grocery trip, read our roundup of the best grocery credit cards in Canada.
Do you need a Costco membership to get the Costco Mastercard?
Yes, you need a Costco membership to get the CIBC Costco Mastercard.
What’s the difference between the PC Insiders World Elite Mastercard and the PC World Elite Mastercard?
The PC Insiders World Elite Mastercard has an annual fee of $120 and offers up to 50 PC Optimum points per dollar spent on purchases. Its main draw is an included PC Express Pass, which unlocks free grocery delivery and pickup from participating stores.
The PC World Elite Mastercard has no annual fee and offers up to 45 PC Optimum points per dollar spent on purchases. It offers many of the same features and benefits as the PC Insiders World Elite Mastercard, but it does not come with the PC Express Pass.
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