Credit Card Reviews
Canadian Tire Options MASTERCARD Consumer Reviews
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(72 reviews)
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Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350.
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One and a half years ago my husband lost a job. He called Canadian Tire and they turned off the card for six months to stop interest from accumulating and we were able to pay just about the whole card off and then our card was turned back on and then we paid off in full. They were very helpful to us.
They charge me a $10 fee because I OVER-PAID them $14. The credit card sent to me after the previous expired is not working when I tried to use the card at a Canadian Tire store. I could use the overpayment I made since it is my money. In times of pandemic, they took advantage!
Scotia Momentum Visa Infinite Card
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350.
Get this card / Apply online
I initially had a credit limit of $20,000. I also had several other cards with similar lines. After receiving a letter to use it or lose it, I called and they said I can make even a small purchase to keep the card active. I never heard of that before but OK, so I did. After that, they have every six months steadily decreased my limit from 20,000 to 15,000 to 10,000 to 5,000 and now $3,000. When I initially called about why they decreased my limit when I used the card, they were suddenly rude for no reason and claimed that they can do whatever they want out of the blue. It was a very strange call and my limits went down every six months ever since. Anyways, I am going to cancel it.
I currently was on hold waiting for a representative for over 45 mins. I finally got a hold of someone and expressed that I have recently lost my job and can’t make my minimum is there anything they can assist with? Lower interest rate, etc? She didn’t even look at my file for more than a minute and told me no. I feel if you want to have a credit card company that cares in a crisis switch to another one!
I was offered the card and did get the world elite, with free towing included! If you fill up at their gas bar (I stopped after a bad experience with staff and pump didn’t turn off), or Husky you collect a lot of points. Use at grocery stores and get a decent amount of points. I run a lot through it and it’s easy to make an instant payment at the stores, so good in many ways. Points add up quickly and I find some decent deals often in store. Customer service experience is, well not the worst and not great. Using their app or website is like a slot machine, it works some of the time. Frequently can’t log in. Frequently have to re-login to the points part and always on the credit card part. Often the app shows more cards then you have and won’t show you details, or wrong details. Frequent app issues or non-specific “technical issues” and won’t log in. Have to go to the website which also often won’t let you log in. Even logs in and then log you out without any info or expiation. The usual “technical issues”. These guys can’t make the digital access work reliably. This is over a year now. I often use the app/web access daily and many frustrations and time wasted. They don’t listen to reviews as the app has low ratings and people point out the issues for some time. Simply too lazy or cheap to hire a real developer to fix this.
Scotiabank® Gold American Express® Card
Earn up to 40,000 bonus Scotia Rewards points in your first year (that's up to $400 towards travel). What else will you get:
- Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment
- Earn 3 Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
- Earn 1 point for every $1 you spend on all other eligible everyday purchases
- Complimentary Concierge Services 24/7
- Comprehensive Travel Insurance coverage with 25 days of travel medical insurance for eligible persons under age 65
Get this card / Apply online
They just upgraded my card so that it includes insurance and a small increase in rewards. Good card with no annual fee.
love the rewards
Canadian tire credit card is easy to use. Great not having an yearly membership charge. Unfortunately the interest rate is extremely high. So I only use for purchases.
Scotia Momentum VISA Infinite Card
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350. What else will you get:
- 4% on eligible recurring bill payments and grocery store purchases
- 2% on eligible gas station and daily transit purchases
- 1% cash back on all other eligible everyday purchases
- Complimentary Concierge Services 24/7 Visa Infinite Dining Series Visa Infinite Music Series Wine Country Wonders Luxury Hotel Privileges
- Comprehensive Travel Insurance & New Mobile Device Insurance coverage
Get this card / Apply online
Customer service is very helpful in providing information. I am very much satisfied in the level of information provided during inquiries. I am very much pleased.
I was initially approved for a $1000 card limit. I got the card in the mail and was using it for over a week. I even made payments for over $500. A few days later, I checked my account to find out that my account was limited. I called in to find out that my account was closed after a second look. Instead of calling me or even lowering my credit, they cancelled my card without any notice. When I spoke to a representative, he said it was true what I was saying but was unable to do anything. I WILL NEVER GO BACK TO CANADIAN TIRE AGAIN. HORRIBLE SERVICES.