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Pay Your Bills Online Using CANADIAN TIRE MASTER CARD & Earn Cash Back/CT $$$ !!!

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May 21, 2004
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jubjubkiwi wrote: Could anyone check if FirstService Residential (Strata) is on the bill payee list? I see them on my TD account but didn't see them on the bill payee list.
Searched and was not found. Could be their name is slightly different but I tried without a space as you have it, plus added a space between First and Service. So quite possibly not an applicable payee.
Jr. Member
Jun 24, 2015
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North York, ON
Checked the bill payee list, Bradford property taxes is there (BRAD. W. GWILL. TAX 90020025) but seems waste water isn't. Does anyone know if it's there under another name? Thanks!
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May 17, 2006
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The note states: "Canadian Tire Bank does not charge a fee for making an online bill payment on your account. Not all service providers may permit online bill payments by credit card or may charge a fee. "

Has anyone had to pay extra for bill payments? e.g for property taxes etc?
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porksoda wrote: The note states: "Canadian Tire Bank does not charge a fee for making an online bill payment on your account. Not all service providers may permit online bill payments by credit card or may charge a fee. "

Has anyone had to pay extra for bill payments? e.g for property taxes etc?
Nope, all bills have been without extra fees. That includes electricity, gas, and property tax.
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Apr 16, 2020
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porksoda wrote: Not all service providers may permit online bill payments by credit card or may charge a fee.
That's saying that some service providers may charge you a fee for paying with a CC. The bill pay feature doesn't function as a CC payment from the service provider's end, so you avoid said fee.
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Jul 10, 2014
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Kneader wrote: That's saying that some service providers may charge you a fee for paying with a CC. The bill pay feature doesn't function as a CC payment from the service provider's end, so you avoid said fee.
Wait, this Canadian Tire MC doesn't get treated as a CC when paying bills online? How?

This is a game changer, no wonder why this thread has 450 pages -- a shame I just found it now.

Edit: My rent is paid through Tenantpay which is listed which means I can get cash back on over $22k right there. Add in my utilities and I'll easily be over $25k.
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Sep 6, 2018
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djdestroyer wrote: Wait, this Canadian Tire MC doesn't get treated as a CC when paying bills online? How?

This is a game changer, no wonder why this thread has 450 pages -- a shame I just found it now.
CTFS sends the cash payment to the biller the same as a bank would from a chequing account, except CTFS just adds it to your balance as a standard purchase with interest-free grace period intact.
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Jan 23, 2018
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djdestroyer wrote: Wait, this Canadian Tire MC doesn't get treated as a CC when paying bills online? How?

This is a game changer, no wonder why this thread has 450 pages -- a shame I just found it now.

Edit: My rent is paid through Tenantpay which is listed which means I can get cash back on over $22k right there. Add in my utilities and I'll easily be over $25k.
Probably time for me to post this again -- pay-your-bills-online-using-canadian-ti ... #p32263823
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Kneader wrote:
That's saying that some service providers may charge you a fee for paying with a CC. The bill pay feature doesn't function as a CC payment from the service provider's end, so you avoid said fee.
Cheers, the way they worded it made it a bit ambiguous.
threadhead wrote:
Probably time for me to post this again -- pay-your-bills-online-using-canadian-ti ... #p32263823
threadhead wrote: This will probably help you and others to understand how this works.

Your online CT Triangle account has an additional feature that other CCs do not have, which is a payment facility that is virtually identical to what you see on any bank site where you do your online banking. And just like you do with your online banking account, you can add payees (if they're listed as one of your choices) to pay your bills.

When you use an online bank to pay your bills, the money gets taken out of your bank balance, but if you use CT's platform, your payments are charged against your card instead. There are no fees to you or the payee. The payee doesn't know or care that you paid using a card because they receive 100% of the payment.

Any payments you make using the CT facility earn CT Money as if they were purchases on your card (which they actually are). There are no interest charges as long as you pay your bill before the due date,

CT can do this because it also operates a bank, and they have chosen to provide this payment service to attract people to sign up for the Triangle card. Only Triangle offers this service.


Excellent summary.
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Aug 10, 2008
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Agreed, hats off to @threadhead, it is an excellent summary. Only modification I would make is the very last line. It's not "Only Triangle offers this service." It's with all of the MCs that CTFS issues, including the Cash Advantage MC that I've been using since 2013.

Here's my dumbed-down explanation of how it works. I regarded CTFS as my "Big Brother", paying my bills on my behalf, and then CTFS turning around and asking me to pay back this "loan" via my CT Cash Advantage MC monthly statements, by effectively treating it as a charge to my card to earn cash back:
viewtopic.php?p=27290296

@djdestroyer, as far as which CT MC to open, most people would prefer to open the no-fee World Elite Triangle MC, but for me, if I can run up the bills I'll still prefer the Cash Advantage card. I prefer cash instead of CT funny money. I tried to offer an updated analysis here:
viewtopic.php?p=32086694
No one commented to correct my numbers at that time, but if you find the math is wonky, please help to correct, thanks.
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Jul 10, 2014
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bizee-bee wrote: Agreed, hats off to @threadhead, it is an excellent summary. Only modification I would make is the very last line. It's not "Only Triangle offers this service." It's with all of the MCs that CTFS issues, including the Cash Advantage MC that I've been using since 2013.

Here's my dumbed-down explanation of how it works. I regarded CTFS as my "Big Brother", paying my bills on my behalf, and then CTFS turning around and asking me to pay back this "loan" via my CT Cash Advantage MC monthly statements, by effectively treating it as a charge to my card to earn cash back:
viewtopic.php?p=27290296

@djdestroyer, as far as which CT MC to open, most people would prefer to open the no-fee World Elite Triangle MC, but for me, if I can run up the bills I'll still prefer the Cash Advantage card. I prefer cash instead of CT funny money. I tried to offer an updated analysis here:
viewtopic.php?p=32086694
No one commented to correct my numbers at that time, but if you find the math is wonky, please help to correct, thanks.
Ya I applied for cash advantage. Don't do enough shopping at CT.
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Oct 25, 2007
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bizee-bee wrote: Agreed, hats off to @threadhead, it is an excellent summary. Only modification I would make is the very last line. It's not "Only Triangle offers this service." It's with all of the MCs that CTFS issues, including the Cash Advantage MC that I've been using since 2013.

Here's my dumbed-down explanation of how it works. I regarded CTFS as my "Big Brother", paying my bills on my behalf, and then CTFS turning around and asking me to pay back this "loan" via my CT Cash Advantage MC monthly statements, by effectively treating it as a charge to my card to earn cash back:
viewtopic.php?p=27290296

@djdestroyer, as far as which CT MC to open, most people would prefer to open the no-fee World Elite Triangle MC, but for me, if I can run up the bills I'll still prefer the Cash Advantage card. I prefer cash instead of CT funny money. I tried to offer an updated analysis here:
viewtopic.php?p=32086694
No one commented to correct my numbers at that time, but if you find the math is wonky, please help to correct, thanks.
Some how this card slipped out of my radar even though the PayTM era (getting 1.75% CB via Rogers card) is finished last year.
opened using Sportscheck promo this week ($50eCT promo) and got approved email with $3k CL only.
Thought its strange to get this low CL, but i will not complain as long as i can pay off my taxes in installements and pay of the CC using PayTM (double dip) i am fine i guess.

May i know whats your CL for ur CTCB card? did they offered automatic increases or asked later?
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Jul 7, 2014
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mkannuri wrote: Some how this card slipped out of my radar even though the PayTM era (getting 1.75% CB via Rogers card) is finished last year.
opened using Sportscheck promo this week ($50eCT promo) and got approved email with $3k CL only.
Thought its strange to get this low CL, but i will not complain as long as i can pay off my taxes in installements and pay of the CC using PayTM (double dip) i am fine i guess.

May i know whats your CL for ur CTCB card? did they offered automatic increases or asked later?
Started with $2K limit. Increased via invitation offer when I logged into my account, to $4K. Every few months they would surprise me with another increase, $7K, $10K, $18K.

They lowered it to $10K last month, also for many other people. But I called in and they restored it to $18K right away.

Have fun with it.
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Dec 28, 2011
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bizee-bee wrote: Started with $2K limit. Increased via invitation offer when I logged into my account, to $4K. Every few months they would surprise me with another increase, $7K, $10K, $18K.

They lowered it to $10K last month, also for many other people. But I called in and they restored it to $18K right away.

Have fun with it.
CT lowered the limit for not using the card for 6 months last year, this year got a note that the card will be canceled because of infrequent use. I use the card for Property Taxes only. Other bills can be handled by ordinary cc. There are bunch of better cards with 2% + rebates that I use, and much better if welcome bonuses are included. Now CT will be lowering the non-CT purchases to 0.5 % CT money, I will be hard pressed to keep it for $ 20 of CTs.
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May 21, 2004
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Pointseeker wrote: CT lowered the limit for not using the card for 6 months last year, this year got a note that the card will be canceled because of infrequent use. I use the card for Property Taxes only. Other bills can be handled by ordinary cc. There are bunch of better cards with 2% + rebates that I use, and much better if welcome bonuses are included. Now CT will be lowering the non-CT purchases to 0.5 % CT money, I will be hard pressed to keep it for $ 20 of CTs.
When is CT lowering to 0.5%? I didn't get any notification and looking at CT's web site regarding their cards does not say anything about non-CT purchases. I know payments are grouped into the non-CT category.
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Nov 4, 2015
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Pointseeker wrote: CT lowered the limit for not using the card for 6 months last year, this year got a note that the card will be canceled because of infrequent use. I use the card for Property Taxes only. Other bills can be handled by ordinary cc. There are bunch of better cards with 2% + rebates that I use, and much better if welcome bonuses are included. Now CT will be lowering the non-CT purchases to 0.5 % CT money, I will be hard pressed to keep it for $ 20 of CTs.
Just set a calendar reminder to buy yourself a $1 amazon gift card every few months. I learned that the hard way after my PCF and CT WE cards both got closed due to inactivity haha.
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RichRFD wrote: Just set a calendar reminder to buy yourself a $1 amazon gift card every few months. I learned that the hard way after my PCF and CT WE cards both got closed due to inactivity haha.
if ctfs is your drawer card, then do amazon.ca reload for exactly $1 every month and loot.
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karnige wrote: i was denied the Canadian tire CC. no idea what they are looking for. in fact it’s the first time i’ve been denied for a CC. my score is 860. i was hoping to use it for a purchase and do no interest payment for a year. such is life but sure is confusing why such a basic CC wuld deny me
jesus christ guess what shows up in the mail today. the CC....... after I bought what I wanted to buy and after they said I was denied...... **** idiots
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Jan 12, 2017
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karnige wrote: jesus christ guess what shows up in the mail today. the CC....... after I bought what I wanted to buy and after they said I was denied...... **** idiots
u got the WE card in mail today? if, yes, when did u apply and when did u get the card ( after how many days?) thx...i've gotten NO emails for denial or approval yet....been like 5 days...hoping to get card in mail by suprise!
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