Store Rewards Calculators: Store Credit Cards

Calculate the value of store rewards credit cards based on your spend, card benefits, and fees. Compare results against top cards.

If you love to shop, earning rewards on your spending is a no-brainer. Many major retail stores offer co-branded credit cards which will earn you rewards and grant special benefits such as early access to sales, birthday gifts, discounts, and much more. The big thing to remember about store credit cards is that they typically have high interest rates. Maintaining a balance on store credit cards will eat away at your rewards faster than you can earn them. If you pay off your balance in full every month, store credit cards can be some of the best rewards cards on the market, especially if you spend a lot at particular stores.


Best Store Credit Cards
Earns 30 PC Optimum Points per $1 spent with Loblaw companies and PC Travel and 10 points per $1 spent on everything else. Benefits include bonus points on gas with Esso & Mobil. No annual fee.
Earns 4% back at Canadian Tire Stores and partner brands, 1.5% back on grocery purchases, and 0.5% back on everything else. Benefits include bonus earnings at Gas+ and Husky stations and the ability to finance $150+ purchases at Canadian Tire Stores and partners.
Earns 3% back on dining and 2% back on gas station purchases. All other purchases earn 0.5% on the first $3,000 spend annually, then 1% back for the remainder of the calendar year. The card doubles as a Costco Membership Card and also feature travel/purchase coverage. No annual fee, but requires Costco Membership.

Store Rewards Programs


Useful Resources & Links

Remove the guess work and find out which cards have a chance to offer you the best return based on your monthly or yearly spend across up to 20 different categories.

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