Canadian Tire Money: How to Maximize It

Canadian Tire Money is the retailer's loyalty rewards program: a percentage of most purchases comes back as electronic CT Money, redeemable on future purchases at Canadian Tire, Mark's, SportChek, and Atmosphere. It stacks automatically at the till when you're signed into the Triangle Rewards program at checkout, no separate coupon needed.

The rate varies. It's higher during member bonus events and lower on everyday purchases, which means the actual value of a purchase isn't just the sticker price minus whatever discount is showing. It's the price you pay today minus the CT Money you'll be able to spend later.

• Buying at full price during a bonus CT Money event.A 20x or 30x CT Money event on an item that's not actually discounted can still be worse value than buying the same item during a genuine clearance markdown, even with less CT Money coming back.
• Not knowing whether today's price is actually low.CT Money bonus events are frequently timed around regular pricing, not clearance pricing, so the "bonus" can distract from the fact the base price hasn't moved.
• Missing the stacking window.The best outcome is a clearance-priced item during a CT Money bonus period. That combination doesn't happen often, and it's easy to miss if you're not tracking the base price separately from the promotion.

The only reliable way to separate the two is knowing what an item actually cost before. A price history chart makes it obvious whether today's number, CT Money bonus or not, is a genuine low or just the regular price with a rewards multiplier attached to make it look better.

ShelfAware tracks live prices and price history for Canadian Tire, free, alongside 11 other Canadian retailers. Browse today's Canadian Tire clearance deals or search a product to see its full price history before you decide whether a CT Money event is worth buying into.