Featured store credit cards
PC World Elite Mastercard
Rogers Red World Elite Mastercard
PC World Mastercard
Why trust us
MoneySense is an award-winning personal finance magazine that has helped Canadians navigate money matters since 1999. Our editorial team of journalists works with leading Canadian personal finance experts to compare products from more than a dozen major banks, credit unions and card issuers. We evaluate annual fees, interest rates, rewards and insurance benefits to identify cards that offer real value for regular shoppers.
If you shop regularly at the same retailers, a store credit card can be a smart way to boost savings. Store cards often deliver higher rewards at affiliated retailers, exclusive sale access, and faster loyalty point accumulation. Below are some of the top store and co‑branded credit cards by category, plus what makes each one stand out.
| Best credit cards by category | Why we recommend it |
|---|---|
| Best for Loblaw-affiliated stores (including Shoppers Drug Mart) PC World Elite Mastercard Annual fee: $0 |
Highest rate of return when shopping across one of Canada’s largest retail networks. |
| Best for Canadian Tire-affiliated stores Triangle Mastercard Annual fee: $0 |
Up to 4% back in CT Money at Canadian Tire and partner stores. |
| Best for Amazon Amazon.ca Rewards Mastercard Annual fee: $0 (Prime required for full benefits) |
Prime members earn elevated rewards on Amazon.ca and foreign purchases. |
| Best for Walmart Walmart Rewards World Mastercard Annual fee: $0 |
Strong online earning at Walmart.ca and easy-to-redeem rewards. |
| Best for Costco Rogers Red World Elite Mastercard Annual fee: $0 |
Higher flat-rate cash back than many co-branded alternatives, with good cross-border value on U.S. dollar purchases. |
If you spend at Loblaws, Shoppers Drug Mart and Esso
The PC World Elite Mastercard is tailored for shoppers who frequent Loblaw banners (such as Loblaws, No Frills, Real Canadian Superstore and Fortinos), Shoppers Drug Mart and Esso/Mobil stations. It accelerates PC Optimum point earnings so your loyalty points add up faster for discounts and in-store redemptions.
PC World Elite Mastercard
Annual fee: $0
Welcome offer: Earn 20,000 points when you spend $50 or more at participating stores within 60 days of account approval.
Rewards
- 45 PC Optimum points per $1 at Shoppers Drug Mart
- 30 points per $1 at Loblaw banner grocery stores
- At least 30 points per litre at Esso and Mobil
- 10 points per $1 on other purchases
Card details
| Interest rates | 21.99% on purchases, 22.97% on cash advances (21.97% for Quebec residents) |
| Income required | Personal income of $80,000 or household income of $150,000 |
| Credit score | 560 or higher |
| Point value | 10 PC points = $0.01 at Loblaws grocery network and Shoppers Drug Mart |
Pros
- Very high earn rates at Shoppers Drug Mart (approx. 4.5% value) and strong grocery returns at Loblaw banners.
- Points are easy to understand and redeem: 10 points = $0.01 toward eligible purchases.
- Travel emergency medical insurance and rental car coverage are included.
- You can stack card earning with personalized PC Optimum offers and in-store promotions.
Cons
- Points earned at Esso and Mobil cannot be redeemed directly for free gas.
- High minimum income requirement may put the card out of reach for some applicants.
- Cardholders must spend a minimum annually to retain the World Elite benefits; otherwise they may be moved to a different PC card.
If you shop at Canadian Tire, Sport Chek and Mark’s
The Triangle Mastercard is designed for shoppers who regularly buy tools, sporting goods, apparel and home supplies across the Canadian Tire Corporation family of stores. It earns CT Money that can be redeemed at participating retailers.
Triangle Mastercard
Annual fee: $0
Rewards
- 4% at Canadian Tire, Sport Chek, Mark’s/L’Équipeur, Atmosphere and partner stores
- 3% at many grocery stores (up to $12,000 in eligible spend per year)
- 1% on all other purchases
Card details
| Interest rates | 19.99% on purchases, 22.99% on cash advances and balance transfers |
| Income required | Not specified |
| Credit score | Not specified |
| Point value | $1 in CT Money redeems as $1 at participating retailers |
Pros
- Simple rewards: CT Money ties directly to dollars redeemable at partner stores.
- High earn rates at Canadian Tire and affiliated outlets; offers store financing options on larger purchases.
- Additional benefits like no-receipt returns at participating stores and fuel rewards at some stations.
Cons
- Boosted rewards are capped (e.g., $12,000 per year in some categories), after which the base rate applies.
- Rewards are earned on pre-tax amounts only and Walmart/Costco purchases are excluded from the highest earn categories.
- Base earn rate is modest outside partner stores.
If you shop on Amazon
The Amazon.ca Rewards Mastercard is a good fit for frequent Amazon shoppers, especially Prime members. Rewards load directly into your Amazon account as points that can be redeemed toward purchases and gift cards.
Amazon.ca Rewards Mastercard
Annual fee: $0 (Prime subscription required for full benefits)
Rewards
- Prime members: 2.5% on Amazon.ca and foreign currency transactions
- Non-Prime members: 1.5% on Amazon.ca
- 1% on purchases elsewhere
Welcome offer: 5% back at Amazon.ca and Whole Foods Market for six months (up to $3,000 in eligible purchases).
Card details
| Interest rates | 19.50% on purchases, 21.99% on cash advances |
| Income required | $60,000 per year |
| Credit score | 725 or higher |
| Point value | Points convert to Amazon gift card value; 1 point ≈ 1% on Amazon purchases once redeemed |
Pros
- Prime members earn strong rewards on Amazon.ca and foreign transactions.
- Rewards are automatically credited to your Amazon account for simple redemption.
- Includes some travel protections and rental car benefits.
Cons
- Lower earn rates for non-Prime members and the cost of Prime may offset some benefits for occasional shoppers.
- Minimum redemption thresholds apply for gift cards.
If you shop at Walmart
The Walmart Rewards World Mastercard offers higher returns for online Walmart.ca purchases and straightforward redemption at Walmart locations.
Walmart Rewards World Mastercard
Annual fee: $0
Rewards
- 3% on purchases at Walmart.ca
- 1.25% in-store at Walmart and at gas stations
- 1% on other purchases
Card details
| Interest rates | Varies by product (check issuer for current rates) |
| Income required | Household income of $100,000 (for some versions) |
| Credit score | Not specified |
Pros
- Generous online earning at Walmart.ca and simple dollar-for-dollar redemption.
- Low redemption threshold for rewards.
Cons
- Rewards apply to pre-tax amounts only.
- Higher household income requirements for some card versions may limit eligibility.
- In-store shoppers earn less than online shoppers.
If you shop at Costco
While several co-branded Costco cards exist, the Rogers Red World Elite Mastercard can deliver more consistent cash back on Costco purchases and adds value for cross-border shoppers thanks to a higher earn rate on U.S.-dollar transactions.
Rogers Red World Elite Mastercard
Annual fee: $0
Rewards
- 3% cash back on U.S. dollar purchases
- 1.5% cash back on most other purchases (2% for Rogers, Fido and Shaw customers)
Card details
| Interest rates | 25.99% on purchases, 27.99% on cash advances and balance transfers |
| Income required | $80,000 per year |
| Credit score | 725 or higher |
Pros
- Strong flat-rate cashback that can outperform some co-branded Costco cards.
- 3% on U.S. purchases helps offset foreign transaction fees for cross-border shoppers.
- Includes travel and rental car insurance benefits.
Cons
- High income and annual spend requirements to qualify and retain the card benefits.
- High interest rates compared with some other consumer cards.
More on Canada’s best credit cards
- Best travel credit cards in Canada
- Best cash back credit cards in Canada
- Best low-interest credit cards in Canada
- Overall best credit cards in Canada
- Best travel insurance credit cards in Canada