Canadian Tire Financial Services operates as Canadian Tire Bank, providing a range of banking solutions focused primarily on credit card offerings. The company specializes in Mastercard credit cards that allow customers to earn rewards and access exclusive offers at Canadian Tire locations. Through its financial products, Canadian Tire Bank aims to enhance customer loyalty and shopping experiences for consumers engaged in automotive, home, and recreational activities. The target market for Canadian Tire Financial Services includes individuals looking for flexible payment options and rewards programs linked to their everyday purchases. By leveraging its affiliation with the Canadian Tire retail brand, the company effectively caters to a diverse audience seeking reliable financial services and products that align with their lifestyle and shopping habits. Consumers can explore these offerings further on the official website, www.ctfs.com.
Canadian Tire Financial Services receives overwhelmingly negative feedback from consumers, with many expressing frustration over high interest rates and poor customer service. Reviewers frequently mention issues with the credit card, citing misinformation during the application process and a lack of support when disputes arise.
While some customers highlight exemplary service from individual agents, these positive experiences are overshadowed by complaints about long wait times and unhelpful responses from staff. Additionally, the removal of convenient payment options, such as cash payments in-store, has disappointed many users. The company's website is also criticized for frequent crashes and error messages. Overall, the sentiment is predominantly negative, with a significant number of customers advising others to avoid this service.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 1.5 | 60 | 100% | +0.8 | ● Low |
Monthly average rating from reviews written by people · latest review Aug 2025.
| Month | Average | Reviews |
|---|---|---|
| Sep 24 | 1.0 | 2 |
| Oct 24 | 1.0 | 4 |
| Nov 24 | 1.0 | 2 |
| Dec 24 | 1.0 | 2 |
| Jan 25 | 2.3 | 3 |
| Feb 25 | 1.0 | 2 |
| Mar 25 | 2.0 | 1 |
| Apr 25 | 1.0 | 2 |
| May 25 | 1.0 | 1 |
| Jun 25 | 2.0 | 4 |
| Jul 25 | 1.0 | 1 |
| Aug 25 | 2.3 | 3 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“I had an amazing experience with an agent, Killian, who went above and beyond to assist me while showing exemplary pa...”
“Signing up for this card was an absolute nightmare of misinformation, delays and poor service”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Streaming Services.
| Company | Overall | Legit | Service | Value | Website & app | Trend | Reviews |
|---|---|---|---|---|---|---|---|
 | 1.5 out of 5 (poor) | 100 out of 100 | 1.8 out of 5 (poor) | 1.9 out of 5 (poor) | 1.9 out of 5 (poor) | +38% | 60 |
| 4.5 out of 5 (good) | 50 out of 100 | — | — | — | — | 20,156 | |
| 4.5 out of 5 (good) | 67 out of 100 | — | — | — | — | 5,849 | |
| 1.2 out of 5 (poor) | 100 out of 100 | 1.0 out of 5 (poor) | 1.0 out of 5 (poor) | 1.1 out of 5 (poor) | — | 1,002 | |
| 4.5 out of 5 (good) | 100 out of 100 | 5.0 out of 5 (good) | 4.6 out of 5 (good) | 4.1 out of 5 (good) | — | 999 |
Bottom line: Canadian Tire Financial Services is #4 of 5 on overall rating in this group. On service, Dream Car Giveaways scores higher (5.0 vs 1.8).
60 reviews of Canadian Tire Financial Services. Filter by what matters to you.
Over a year ago
I had an amazing experience with an agent, Killian, who went above and beyond to assist me while showing exemplary patience, understanding, and kindness (qualities that are, unfortunately, rare in cus... See more
Over a year ago
Crisse de belle gang de 100dessins... ils s'amusent avec le % des interets et on meme pas lesti de classe den aviser leur clients.... je comprend pourquoi jai desactivé cette foutu carte...
Over a year ago
Signing up for this card was an absolute nightmare of misinformation, delays and poor service. DO NOT FALL FOR THE SALES PITCH!!
Quick answers to the questions people ask most.
Yes, Canadian Tire Financial Services is a legitimate company with a notable number of reviews. However, customer experiences vary widely, with ratings reflecting both positive customer care and significant dissatisfaction.
Canadian Tire Financial Services is not classified as a scam, but there are safety concerns raised by customers regarding high-interest rates and poor service. Verified reviews highlight a mix of positive experiences and complaints about customer support.
Canadian Tire Financial Services offers financial products including the Triangle Mastercard, which provides various rewards and benefits. However, customers have expressed frustrations regarding the card's features and interest rates.
Payment methods for the Triangle Mastercard include online payments and traditional banking methods. Notably, customers have recently complained about the removal of cash payment options in stores.
Customer support can be contacted through their official website or phone. However, many customers report long wait times and unsatisfactory service experiences.
Anyone can write a CrowdTrust review. People who write reviews have ownership to edit or delete them at any time, and they'll be displayed as long as an account is active.
Let's just say this company is a nightmare and made this past year a living hell! Stay away far away! Had this card since 2013 and never missed a payment. 2024 I got into an accident and was out of work until April 2025 without pay. I explained this to them and was threatened with collections. When I started work I immediately started to pay back, but that wasn't good enough. They threatened with putting a lien on my house and served me court papers. I had to get a high interest loan to pay these SOB and finally got them off my back. I will NEVER shop or get another cc from these people again!
I had an amazing experience with an agent, Killian, who went above and beyond to assist me while showing exemplary patience, understanding, and kindness (qualities that are, unfortunately, rare in customer service today). Also, at that time I was undergoing brain injury treatment and when some other credit card providers were repeatedly reporting incorrect balances to the credit bureaus, and these errors hurt my credit score due to high utilization rate alone, Canadian Tire Bank was the only institution that stepped in and offered me a credit card at very reasonable rates, unlike some who are predatory loan sharks. They also assured me that as soon as my score improved, they would be happy to increase my limit, which they did. I highly recommend it!
Crisse de belle gang de 100dessins... ils s'amusent avec le % des interets et on meme pas lesti de classe den aviser leur clients.... je comprend pourquoi jai desactivé cette foutu carte...
Signing up for this card was an absolute nightmare of misinformation, delays and poor service. DO NOT FALL FOR THE SALES PITCH!!
Call avoidance by multiple agents. Seems like they dont want to handle phone calls, doesnt even bother talking to customers about what the issue is. Put you back on queue without a reason or without asking permission. Tone of almost all the agents (3 agents on different calls) Yes I had to call back multiple times because, they either hang up or put you on a very long queue without warning——condescending and unwilling to assist. Seems like they dont like what they are doing.
They took away the ability to pay the bill with cash in store. This was one of the best features of this card, it was unique among competing cards, please bring this back!
it's ridiculous that they put a hold on my account I canceled those orders I placed I want too use my card
I’ve had this card for a long time. It sucks the interest is high and the hardship program doesn’t exist anymore. They also suck at disputes. Like , I made several disputes and never hear back from them or see reversals. Cancelling this card after having it for so long and they never increase my credit limit despite always on time payments not one missed payment.
Will do everything they can to extract money from consumers. Unfair and illegal business practices
Canadian Tire deals unethically and unfairly and will pursue any debt to the furthest degree, even when one puts in an approved credit proposal. This is the worst creditor I have ever had the displeasure of working with. Their lawyers and employees are extremely insolent and unpleasant even when trying to come up with a pay schedule. DO NOT TAKE A MASTERCARD FROM THEM.
While shopping at SportCheck the teller offered us a Triangle Credit Card in return we would get a 15% discount. The teller was wonderful but we got declined. I have a very high credit score so I was a little confused but nonetheless didn’t care. I returned home to find a congratulatory email saying I was now approved. I called the number in the email and that’s where the problems started. It became an inquisition. I’ve bought cars with less invasive questions. I told the individual that I didn’t want to answer any more questions and he said fine then your card is canceled. I told him that would be fine by me. My recommendation to anyone is DO NOT APPLY FOR A CREDIT CARD at a till.
I've had no issues with my Canadian tire. Mastercard, until recently, when the system decided to cancel it on me. Because the thought I was having fraudulent activity. The system sent me one card that I was not able to activate. Because there was a supplementary card, I've been waiting 2 and a 1/2 weeks with no credit cards. I am incurring a tons of nsf charges. I have no availability to credit. This is such a slow process. I should have been warned that I was getting a new card that my old one was to be canceled. I was not I did not see or feel that there was any fraudulent activities happening. I'm very disappointed.Who's going to pay all these NSF fees every day I went by the mailbox and still nothing
Terrible website! Crashes all the time! Error message al the time!
Very bad customer service. I called to dispute a transaction on my credit card and the agent started yelling at me, without even hearing my question in full. What a shame.
I would give zero stars if possible. I applied for a Triangle Mastercard based on advice from Credit Karma that I would likely be approved. I received no email confirmation about my application so I contacted them when I saw that they did a hard inquiry that affected my credit. They told me my application was denied based on potential fraud and passed this along to the fraud department. They gave me no opportunity to verify my identity. I was told I would a receive a call back regarding this “fraud case”. Nobody returned my call so I followed up one week later. I have now been told that the application cannot be opened up again, and that I would have to apply again. I was also told that they cannot tell me the reason my application was denied, and that the last lady who said it was denied for potential fraud lied to me “probably because she just wanted me go away”. We run a small transportation company and were looking to benefit from the fuel program. We spend thousands upon thousands of dollars at Canadian tire in a year in Products and services. I am sad and extremely appalled by how this was handled/not handled. I would recommend never banking with Canadian tire bank. Canadian tire has lost hundreds of thousands of dollars because of this terrible experience. I won’t step into a Canadian Tire Again! Way to go!!!
Great card unless you ever have to call them. Took 37 minutes before they answered the phone. Perhaps a few more staff would be a good thing. Customer service should be paramount.
The roadside assistance coverage is excellent. I needed support at 11pm on a Saturday, i called for a tow truck, no long wait time on the call, a tow truck was out in 30mins.
L'application en ligne fonctionne une journée sur 10 de la cochonnerie !
they put a lock on my card , ive been trying to call them for 4 days with wait time for over 45mins . still no answer so i guess that card will be getting closed off permanently with them . if i cant get customer service i dont need your service
L acces a l apps est souvent infonctionnel. 2 fois mon compte a ete gelé et carte non fonctionnel pourtant je paye la totalite a chaque mois.... Avoir la ligne du service a la clientèle est tres ardu... j ai attendu plus de 45 minutes d attente. Je suis rendu au 5 ieme appel !!!
Canadian Tire Financial Services operates as Canadian Tire Bank, providing a range of banking solutions focused primarily on credit card offerings. The company specializes in Mastercard credit cards that allow customers to earn rewards and access exclusive offers at Canadian Tire locations. Through its financial products, Canadian Tire Bank aims to enhance customer loyalty and shopping experiences for consumers engaged in automotive, home, and recreational activities. The target market for Canadian Tire Financial Services includes individuals looking for flexible payment options and rewards programs linked to their everyday purchases. By leveraging its affiliation with the Canadian Tire retail brand, the company effectively caters to a diverse audience seeking reliable financial services and products that align with their lifestyle and shopping habits. Consumers can explore these offerings further on the official website, www.ctfs.com.
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