Best store credit cards in Canada
Fact Checked: Cory Santos
The best things in life, as they say, are free. The second-best things? They’re the things you scored with a sweet deal. The right store credit card can unlock access to exclusive offers and help you save more money in stores where you already shop.
Let’s be clear, we’re not talking about a lame retail credit card that only offers financing on big purchases—we’re talking about top store cards you can use to earn points or cash back no matter where you shop. Shopaholics, deal hunters, and coupon clippers take note: Here’s our take on the best store credit cards in Canada that genuinely reward your business.
Compare the best store credit cards in Canada
Card Name | Store Rewards | Get Started |
---|---|---|
PC® Mastercard® |
Best for groceries & gas in Canada
◦ $0 annual fee ◦ Earn 25 points per $1 at Shoppers Drug Mart and Pharmaprix. ◦ 30 points per $1 when purchasing travel through President’s Choice ◦ Earn 10 points per $1 spent everywhere. |
Apply Now |
CIBC Costco®† Mastercard® |
Best for Costco® shoppers
◦ $0 annual fee ◦ 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† |
Apply Now |
Walmart Rewards™ Mastercard® |
Best for Walmart shoppers
◦ $0 annual fee ◦ 1.25% back in Walmart Rewards on all purchases made in-store or online at Walmart ◦ 1% back in Walmart Rewards at any gas station |
Apply Now |
Amazon.ca Rewards Mastercard |
Best for Amazon.ca shoppers
◦ $ 0 annual fee ◦ Eligible Prime members get 2.5% back on eligible purchases at Amazon.ca and Whole Foods Market stores. ◦ 1% back on eligible purchases everywhere else Mastercard is accepted |
Apply Now |
Hudson’s Bay Mastercard® |
Best for Hudson Bay frequent shoppers
◦ $0 annual fee ◦ Earn up to 4 Rewards points on almost every $1 you spend in Hudson's Bay stores* and at thebay.com. ◦ Earn 2 Rewards points on almost every $1 you spend outside of Hudson’s Bay stores. |
Apply Now |
†Terms and conditions apply.
Best for gas and groceries
PC® Mastercard®
3.2
10 pts per $1
Welcome offerGood
Suggested credit scoreEarn 10 points per $1 spent at PC grocery stores
Pros
-
No annual fee, ideal for budget-conscious shoppers
-
Earn 10 points per $1 spent everywhere
-
Accelerated points at Esso, Shoppers Drug Mart, and PC Travel
-
Points redeemable at over 2,500 stores nationwide
-
Purchase insurance and extended warranties for added protection
Cons
-
Middle-of-the-road rewards compared to other no-fee cards
-
Limited redemption options compared to some competitors
-
Lacks introductory benefits like bonus points
-
Requires spending at specific stores for maximum benefits
-
Point value may seem low initially, despite earning potential
Eligibility
Good
Recommended Credit Score
$15,000
Required Annual Personal Income
Recommended Credit Score
Good
Required Annual Personal Income
$15,000
10 points
Earn 10 points per $1 spent everywhere
2 cents
Earn 2c per litre in PC Optimum points at Esso and Mobil
30 points
Earn 30 points per $1 when purchasing travel through President’s Choice
25 points
Earn 25 points per $1 at Shoppers Drug Mart and Pharmaprix
Earn 10 points per $1 spent everywhere
10 points
Earn 2c per litre in PC Optimum points at Esso and Mobil
2 cents
Earn 30 points per $1 when purchasing travel through President’s Choice
30 points
Earn 25 points per $1 at Shoppers Drug Mart and Pharmaprix
25 points
21.99%
Purchase APR *Standard Rate. *Basic rates may apply; see details on provider's site.
22.97%
Balance Transfer Rate
22.97%
Cash Advance APR
$0
Annual Fee
Purchase APR
21.99%
Balance Transfer Rate
22.97%
Cash Advance APR
22.97%
Annual Fee
$0
Pros
-
No annual fee, ideal for budget-conscious shoppers
-
Earn 10 points per $1 spent everywhere
-
Accelerated points at Esso, Shoppers Drug Mart, and PC Travel
-
Points redeemable at over 2,500 stores nationwide
-
Purchase insurance and extended warranties for added protection
Cons
-
Middle-of-the-road rewards compared to other no-fee cards
-
Limited redemption options compared to some competitors
-
Lacks introductory benefits like bonus points
-
Requires spending at specific stores for maximum benefits
-
Point value may seem low initially, despite earning potential
Eligibility
Good
Recommended Credit Score
$15,000
Required Annual Personal Income
Recommended Credit Score
Good
Required Annual Personal Income
$15,000
10 points
Earn 10 points per $1 spent everywhere
2 cents
Earn 2c per litre in PC Optimum points at Esso and Mobil
30 points
Earn 30 points per $1 when purchasing travel through President’s Choice
25 points
Earn 25 points per $1 at Shoppers Drug Mart and Pharmaprix
Earn 10 points per $1 spent everywhere
10 points
Earn 2c per litre in PC Optimum points at Esso and Mobil
2 cents
Earn 30 points per $1 when purchasing travel through President’s Choice
30 points
Earn 25 points per $1 at Shoppers Drug Mart and Pharmaprix
25 points
21.99%
Purchase APR *Standard Rate. *Basic rates may apply; see details on provider's site.
22.97%
Balance Transfer Rate
22.97%
Cash Advance APR
$0
Annual Fee
Purchase APR
21.99%
Balance Transfer Rate
22.97%
Cash Advance APR
22.97%
Annual Fee
$0
There’s a good chance you’re already collecting PC Optimum™ points; using the PC® Mastercard® can supercharge the number of points you earn. Combined with the PC Optimum™ program cardholders can get a total of up to 25 points per $1 spent on eligible purchases at Shoppers Drug Mart and Pharmaprix; at least 2c per litre in PC Optimum points at Esso and Mobil in Canada; 30 points per $1 when purchasing travel through President’s Choice; and 10 points per $1 spent on all other purchases.
- Additional perks: Purchase Assurance for 90 days; Extended Warranty for up to one year. Conditions apply.
To learn more read our complete PC® Mastercard® review.
- Sponsored advertising. President’s Choice Financial® Mastercard® is provided by President’s Choice Bank. The PC Optimum™ program is provided by President's Choice Services Inc. President’s Choice Bank is not responsible for the contents of this site, including any editorials or reviews that may appear on this site. For complete information regarding the PC® Mastercard®, PC® World Mastercard®, or PC® World Elite Mastercard®, please click on the “Apply Now” or other applicable button.
Best for Costco customers
CIBC Costco®† Mastercard®
4.1
up to 3% back
Welcome offerGood
Suggested credit scoreEarn up to 3% cash back on eligible purchases everywhere Mastercard is accepted.
Pros
-
No annual fee
-
No fee for additional cards
-
Earn up to 3% cash back
-
Can double as your Costco membership card (though you’ll still have to pay the Costco membership fee)
-
Mobile device insurance
Cons
-
Exclusive to Costco members
-
Low cash back rate of 1% for purchases at Costco
-
High interest rate of 20.75%
-
Cash back can only be redeemed at Costco
Eligibility
Good
Recommended Credit Score
$15,000
Required Annual Personal Income
Recommended Credit Score
Good
Required Annual Personal Income
$15,000
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
cash back at restaurants and at Costco gas
3%
cash back at other gas stations and at Costco.ca
2%
cash back on all other purchases including at Costco
1%
20.75%
Purchase APR non-Quebec residents†
22.49%
Balance Transfer Rate non-Quebec residents†
22.49%
Cash Advance APR non-Quebec residents†
$0
Annual Fee Up to 3 additional cardholders for $0
2.5%
Foreign Transaction Fee 2.5% of the transaction in CDN
Purchase APR
20.75%
Balance Transfer Rate
22.49%
Cash Advance APR
22.49%
Annual Fee
$0
Foreign Transaction Fee
2.5%
Pros
-
No annual fee
-
No fee for additional cards
-
Earn up to 3% cash back
-
Can double as your Costco membership card (though you’ll still have to pay the Costco membership fee)
-
Mobile device insurance
Cons
-
Exclusive to Costco members
-
Low cash back rate of 1% for purchases at Costco
-
High interest rate of 20.75%
-
Cash back can only be redeemed at Costco
Eligibility
Good
Recommended Credit Score
$15,000
Required Annual Personal Income
Recommended Credit Score
Good
Required Annual Personal Income
$15,000
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
cash back at restaurants and at Costco gas
3%
cash back at other gas stations and at Costco.ca
2%
cash back on all other purchases including at Costco
1%
20.75%
Purchase APR non-Quebec residents†
22.49%
Balance Transfer Rate non-Quebec residents†
22.49%
Cash Advance APR non-Quebec residents†
$0
Annual Fee Up to 3 additional cardholders for $0
2.5%
Foreign Transaction Fee 2.5% of the transaction in CDN
Purchase APR
20.75%
Balance Transfer Rate
22.49%
Cash Advance APR
22.49%
Annual Fee
$0
Foreign Transaction Fee
2.5%
The CIBC Costco®† Mastercard® itself doesn’t carry an annual fee, but you do need to be a Costco member to sign up. A basic Gold Star membership costs $60 annually (check out our guide to whether or not a Costco membership is worth the cost).
The best part of the CIBC Costco®† Mastercard® is the high amount of cash back you can earn on Costco Gas and purchases made on Costco.ca, but there’s a catch: These high rates are capped at a maximum annual spend. The 3% cash back at Costco Gas and 2% at other gas stations is capped at $5,000 in spending per year. You’ll earn 2% cash back from Costco.ca up to $8,000 spent per year. Once you max out, the rate will drop to 1% for each of those categories until a new year resets. On the plus side, there is no cap on the 3% cash back on restaurants, and all other purchases outside those special categories earn 1% cash back.
Redeeming your cash back is simple but not particularly flexible. A Costco Canada gift certificate is issued once a year in January, equal to the amount you earned back from your card in the previous year.
The CIBC Costco®† Mastercard® offers standard Purchase Security and Extended Warranty insurance, but also includes the unexpected perk of up to $1,000 in Mobile Device Insurance, which is a rarity for a credit card without an annual fee.
- Additional perks: Purchase Security for 90 days; Extended Warranty for up to one year; Mobile device insurance up to $1,000
- This is a digital-exclusive offer†To be eligible for this offer:
1) This offer must have been directly communicated to you from CIBC or from a partner/affiliate; and
2) You must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.†This offer is reserved for you. Please do not forward it to anyone else.CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another eligible card within the last 12 months.††Terms and Conditions Apply
This offer is not available for the residents of Quebec. For Quebec Residents offer - visit CIBC.com product page here.
To learn more read our complete CIBC Costco Mastercard review
Best for Walmart shoppers
Walmart Rewards™ Mastercard®
3.0
Good
Suggested credit scoreto receive the latest news, tips and offers by email
Pros
-
No annual fee
-
Exclusive offers for cardholders
-
Earn up to 1.25% Walmart Reward Dollars™ on everyday spending
-
Installment plan option when you spend $199.99 or more, in-store or at Walmart.ca - spread your payment over six installments
Cons
-
Rewards can only be redeemed at Walmart
-
Higher APR than other low-rate cards on the market
-
Installment plant option has a 4% fee and other terms & conditions apply.°
Eligibility
Good
Recommended Credit Score
$12,000
Required Annual Personal Income
Recommended Credit Score
Good
Required Annual Personal Income
$12,000
1.25%
back in Walmart Rewards on all purchases made in-store or online at Walmart
1%
back in Walmart Rewards at any gas station
1%
everywhere else
back in Walmart Rewards on all purchases made in-store or online at Walmart
1.25%
back in Walmart Rewards at any gas station
1%
everywhere else
1%
20.89% - 26.99%
Variable APR 20.89 for Quebec residents
22.97% - 27.99%
Cash Advance APR 21.97% for Quebec residents
$0
Annual Fee no annual fee
2.5%
Foreign Transaction Fee
Variable APR
20.89% - 26.99%
Cash Advance APR
22.97% - 27.99%
Annual Fee
$0
Foreign Transaction Fee
2.5%
Pros
-
No annual fee
-
Exclusive offers for cardholders
-
Earn up to 1.25% Walmart Reward Dollars™ on everyday spending
-
Installment plan option when you spend $199.99 or more, in-store or at Walmart.ca - spread your payment over six installments
Cons
-
Rewards can only be redeemed at Walmart
-
Higher APR than other low-rate cards on the market
-
Installment plant option has a 4% fee and other terms & conditions apply.°
Eligibility
Good
Recommended Credit Score
$12,000
Required Annual Personal Income
Recommended Credit Score
Good
Required Annual Personal Income
$12,000
1.25%
back in Walmart Rewards on all purchases made in-store or online at Walmart
1%
back in Walmart Rewards at any gas station
1%
everywhere else
back in Walmart Rewards on all purchases made in-store or online at Walmart
1.25%
back in Walmart Rewards at any gas station
1%
everywhere else
1%
20.89% - 26.99%
Variable APR 20.89 for Quebec residents
22.97% - 27.99%
Cash Advance APR 21.97% for Quebec residents
$0
Annual Fee no annual fee
2.5%
Foreign Transaction Fee
Variable APR
20.89% - 26.99%
Cash Advance APR
22.97% - 27.99%
Annual Fee
$0
Foreign Transaction Fee
2.5%
The Walmart RewardsTM Mastercard® earns a respectable 1.25% back on all Walmart purchases made in-store or online at Walmart.ca and 1% cash back on all other purchases. Walmart Reward Dollars are simple to use – 1 Walmart Reward dollar equals $1 to spend on virtually anything that Walmart sells – and they can be redeemed in $5 increments online or at the register in any Walmart store across Canada.
The card is an accessible option for frugal shoppers, and signing up is incentivized via a respectable welcome offer.
Unfortunately, the Walmart Mastercard doesn’t offer much in terms of other practical benefits. They’ve opted to reserve standard perks like purchase assurance and extended warranty for the higher-tier Walmart RewardsTM World Mastercard®.
Best for Amazon shoppers
Amazon.ca Rewards Mastercard
2.5
5% back
Welcome offerFair
Suggested credit scoreGet 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants. Valid for the first 6 months, on your first $3,000 in eligible purchases††.
Pros
-
No annual fee
-
Good returns on Amazon.ca, Whole Foods Market stores and foreign currency transactions
-
Competitive welcome bonus
-
Serviceable for regular Costco and No Frills shoppers
Cons
-
Earning maximum rewards requires paying for Amazon Prime
-
Other cards have higher earn rates on non-Amazon.ca purchases
-
Rewards points are only redeemable for Amazon.ca gift cards
-
Relatively few Whole Foods locations in Canada
Eligibility
Fair
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Recommended Credit Score
Fair
Required Annual Personal Income
$0
Required Annual Household Income
$0
2.5%
Earn 2.5% on eligible purchases at Amazon.ca and Whole Foods Market stores for eligible Prime members (1.5% back for non-members)‡
2.5%
Get 2.5% back on eligible foreign currency transactions for eligible Prime members (1% back for non-members)‡
1%
Get 1% back on eligible purchases everywhere else Mastercard is accepted.‡
Earn 2.5% on eligible purchases at Amazon.ca and Whole Foods Market stores for eligible Prime members (1.5% back for non-members)‡
2.5%
Get 2.5% back on eligible foreign currency transactions for eligible Prime members (1% back for non-members)‡
2.5%
Get 1% back on eligible purchases everywhere else Mastercard is accepted.‡
1%
19.99%
Purchase APR
22.99%
Balance Transfer Rate
22.99%
Cash Advance APR
$0
Annual Fee No annual fee
1.5%
Foreign Transaction Fee
Purchase APR
19.99%
Balance Transfer Rate
22.99%
Cash Advance APR
22.99%
Annual Fee
$0
Foreign Transaction Fee
1.5%
Pros
-
No annual fee
-
Good returns on Amazon.ca, Whole Foods Market stores and foreign currency transactions
-
Competitive welcome bonus
-
Serviceable for regular Costco and No Frills shoppers
Cons
-
Earning maximum rewards requires paying for Amazon Prime
-
Other cards have higher earn rates on non-Amazon.ca purchases
-
Rewards points are only redeemable for Amazon.ca gift cards
-
Relatively few Whole Foods locations in Canada
Eligibility
Fair
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Recommended Credit Score
Fair
Required Annual Personal Income
$0
Required Annual Household Income
$0
2.5%
Earn 2.5% on eligible purchases at Amazon.ca and Whole Foods Market stores for eligible Prime members (1.5% back for non-members)‡
2.5%
Get 2.5% back on eligible foreign currency transactions for eligible Prime members (1% back for non-members)‡
1%
Get 1% back on eligible purchases everywhere else Mastercard is accepted.‡
Earn 2.5% on eligible purchases at Amazon.ca and Whole Foods Market stores for eligible Prime members (1.5% back for non-members)‡
2.5%
Get 2.5% back on eligible foreign currency transactions for eligible Prime members (1% back for non-members)‡
2.5%
Get 1% back on eligible purchases everywhere else Mastercard is accepted.‡
1%
19.99%
Purchase APR
22.99%
Balance Transfer Rate
22.99%
Cash Advance APR
$0
Annual Fee No annual fee
1.5%
Foreign Transaction Fee
Purchase APR
19.99%
Balance Transfer Rate
22.99%
Cash Advance APR
22.99%
Annual Fee
$0
Foreign Transaction Fee
1.5%
The Amazon.ca Rewards Mastercard from MBNA is an excellent option if you already have an Amazon Prime membership.
This card comes with a great welcome offer. Get 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants. Valid for the first 6 months, on your first $3,000 in eligible purchases††.
After the welcome period ends Prime members can earn 2.5% back on eligible purchases from Amazon.ca, Whole Foods and on foreign currency transactions. Non-Amazon Prime members only get 1.5% back on Amazon.ca and Whole Foods purchases. All cardholders, regardless of whether or not they have a Prime membership, get 1% back on all other purchases outside those categories. Any rewards you rack up using the card can be applied directly to purchases on Amazon.ca.
For a credit card with no annual fee, the Amazon.ca Rewards Mastercard doesn’t skimp on useful perks. Purchase assurance will cover your purchases from damage or theft for 90 days and the extended warranty will add one year of coverage in addition to the original manufacturer’s warranty. You can also enjoy a minimum 10% off base rental car rates in Canada and at least 5% off rental rates in the U.S. at participating Avis and Budget locations. All told, the Amazon.ca Mastercard is among the very best credit cards for online shopping in Canada today.
- Additional perks: Purchase assurance for 90 days; Extended Warranty for up to one year; rental car discounts.
Learn more by reading our complete Amazon.ca Rewards Mastercard review.
Best for Hudson's Bay Company shoppers
Hudson's Bay Mastercard by Neo Financial
3.5
Good
Suggested credit scoreto receive the latest news, tips and offers by email
Pros
-
No annual fee
-
Redeem Rewards points instantly
-
Earn up to 4 Rewards points on almost every $1 you spend
-
Get everyday cash back at thousands of local Neo Partners - like major gas and grocery stores, travel and more
-
Earn Rewards points outside of Hudson’s Bay stores*
Cons
-
Points can only be redeemed at Hudson’s Bay stores³ and thebay.com
-
High APR
-
Best for Hudson's Bay frequent shoppers for maximum rewards value
Eligibility
Good
Recommended Credit Score
Recommended Credit Score
Good
4
Up to 4 Rewards points on almost every $1 you spend in Hudson's Bay stores* and at thebay.com
2
Rewards points on almost every $1 you spend outside of Hudson’s Bay stores*
2%
Earn an average of 2% cashback* at thousands of local and national Neo Financial™ partners and businesses; think major gas and grocery stores, restaurants, gyms, coffee shops and more
Up to 4 Rewards points on almost every $1 you spend in Hudson's Bay stores* and at thebay.com
4
Rewards points on almost every $1 you spend outside of Hudson’s Bay stores*
2
Earn an average of 2% cashback* at thousands of local and national Neo Financial™ partners and businesses; think major gas and grocery stores, restaurants, gyms, coffee shops and more
2%
19.99% - 29.99%
Variable APR Purchase Credit Rate / APR
22.99% - 31.99%
Cash Advance APR Cash Advance Rate / APR
$0
Annual Fee
Variable APR
19.99% - 29.99%
Cash Advance APR
22.99% - 31.99%
Annual Fee
$0
Pros
-
No annual fee
-
Redeem Rewards points instantly
-
Earn up to 4 Rewards points on almost every $1 you spend
-
Get everyday cash back at thousands of local Neo Partners - like major gas and grocery stores, travel and more
-
Earn Rewards points outside of Hudson’s Bay stores*
Cons
-
Points can only be redeemed at Hudson’s Bay stores³ and thebay.com
-
High APR
-
Best for Hudson's Bay frequent shoppers for maximum rewards value
Eligibility
Good
Recommended Credit Score
Recommended Credit Score
Good
4
Up to 4 Rewards points on almost every $1 you spend in Hudson's Bay stores* and at thebay.com
2
Rewards points on almost every $1 you spend outside of Hudson’s Bay stores*
2%
Earn an average of 2% cashback* at thousands of local and national Neo Financial™ partners and businesses; think major gas and grocery stores, restaurants, gyms, coffee shops and more
Up to 4 Rewards points on almost every $1 you spend in Hudson's Bay stores* and at thebay.com
4
Rewards points on almost every $1 you spend outside of Hudson’s Bay stores*
2
Earn an average of 2% cashback* at thousands of local and national Neo Financial™ partners and businesses; think major gas and grocery stores, restaurants, gyms, coffee shops and more
2%
19.99% - 29.99%
Variable APR Purchase Credit Rate / APR
22.99% - 31.99%
Cash Advance APR Cash Advance Rate / APR
$0
Annual Fee
Variable APR
19.99% - 29.99%
Cash Advance APR
22.99% - 31.99%
Annual Fee
$0
The Hudson’s Bay Mastercard® is the oldest North American company's most recent offering. The Bay gives 15% off first-day purchases when you sign up for the no annual fee store card. You earn up to 4 Hudson’s Bay Rewards points on every dollar spent on purchases made in-store and on thebay.com, and 2 points per dollar spent outside The Bay. The Hudson Bay credit card is issued by Neo Financial, so on top of the points you earn from your regular spending with the card, you can also earn extra cash back from thousands of Neo partners across Canada. Check out our review of Neo Financial to learn more about Neo’s partners.
This rewards program takes a bit to unpack, because the points you earn depend on an annual spend that resets each year. For the basic Hudson’s Bay Rewards tier, cardholders collect 2 points for every dollar spent from $0-$399.99. At the middle Hudson’s Bay Reward Plus tier, you collect 3 points per dollar spent between $400 and $1,199.99. At the top Hudson’s Bay Rewards VIP tier, you collect 4 points per dollar when you spend $1,200+ per year.
Every 1,000 Hudson’s Bay Rewards points can be redeemed for $5 in store and online. Points can also be converted to AIR MILES or RBC Rewards points for some added flexibility, but points expire after 24 months of account inactivity. Any cash back you earn through Neo partners can be redeemed toward your card balance. As for perks, you can enjoy savings from free shipping on items sold by Hudson’s Bay (no purchase minimums) and earn an extra 20% on both Hudson’s Bay Reward points and Petro-Points if you link your two accounts together.
- Additional perks: Free shipping, with no purchase minimum. 20% bonus Hudson’s Bay Rewards Points and 20% bonus Petro-Points when you link the accounts together
FAQs about store credit cards
Related articles:
- Best Canadian credit cards for Amazon purchases
- Best credit cards for saving on groceries
- Best credit cards for saving at Costco
- Best credit cards for saving at Walmart
Daniel Teo is a personal finance expert and travel writer based in Toronto. With a passion for financial literacy and a wanderlust that has brought him to over 30 countries, his stories touch on what’s possible when you achieve financial goals. His work has appeared in The Globe and Mail, the Toronto Star, CBC and on BNN.
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