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Paying tax, utility, and insurance bills with Canadian Tire credit cards
April 20, 2021
4:32 am
BillieBob
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The link pwr1019 provided is quite helpful. I have been using my CT Triangle card to pay utilities bills and property taxes for a few years but I remember it took many search attempts to find my municipality's payee name.

April 20, 2021
7:40 am
Norman1
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That list is also quite old.

The title name of the spreadsheet is "Canadian Tire Bill Payee List 2018-05-28". That explains why the change history stops in May 2018!

Canadian Tire Bank may have made many changes to the payee list since May 2018.

April 20, 2021
9:43 am
rodeworthy
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[Update on progress to establish Utility and Property Tax bill payer accounts with Triangle Mastercard]

As previously reported I have set up 3 bill payer accounts with Triangle Credit:

  • Hydro One
  • Enbridge
  • 'MyCity'-Tax

I contacted each of these to begin the process of changing payment methods.

None of the reps I spoke with were familiar with this method of payment but were enthusiastic about the ability to pay with credit card.

I advised I would be making a test payment of $1 to each of these accounts and would check back later in the week to see if the payment arrived. If successful, I will then request the current PAD from our bank be terminated.

The biggest change at our end is that we will manually pay these bills, via the credit card, each month as opposed to the automatic PADs. Not a problem.

April 20, 2021
10:36 am
smayer97
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rodeworthy said
[Update on progress to establish Utility and Property Tax bill payer accounts with Triangle Mastercard]

As previously reported I have set up 3 bill payer accounts with Triangle Credit:

  • Hydro One
  • Enbridge
  • 'MyCity'-Tax

...

The biggest change at our end is that we will manually pay these bills, via the credit card, each month as opposed to the automatic PADs. Not a problem.  

Enbridge, Toronto Hydro, and Property Taxes have worked for me for some time.

For all my utilities, I use my own equal billing plan as described above with scheduled payments every month with CTB credit card. This way I only have to adjust it once a year.

April 20, 2021
10:08 pm
Loonie
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I understand there may have been changes in the list of payees that has been posted - which does not seem to include Toronto Tax.

I don't have a CT credit card, and would not have much use for one normally. So I need to know if it is worth getting one.

If I had the card, would I b able to see an updated list that does included Toronto Tax? Can anyone verify this for me?

Second, what is the reward on these payments? I can't find this on the CT CC site. Can only find 4% for CT stores and 1.5% for grocery stores.
Thanks.

April 20, 2021
10:18 pm
smayer97
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As I have stated already, Toronto Taxes DOES show up as an option.

That said, it looks like the product offer has changed quite a bit. So for those who have the card, rewards may be different than for new customers. I think it best to contact CTB to confirm what their current reward program is for new customers and if it still pays anything on bill payments.

For existing customers, the basic CT card pays 0.8% and 1.5% for the WE card.

Do report back.

April 21, 2021
7:42 am
savemoresaveoften
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smayer97 said
As I have stated already, Toronto Taxes DOES show up as an option.

That said, it looks like the product offer has changed quite a bit. So for those who have the card, rewards may be different than for new customers. I think it best to contact CTB to confirm what their current reward program is for new customers and if it still pays anything on bill payments.

For existing customers, the basic CT card pays 0.8% and 1.5% for the WE card.

Do report back.  

keep in mind most other CC pays better cash / points rebate better than the CT card and more flexible than receiving CT money.

For myself, I used the card to earn 1% on utility bills, property tax, and when fill up at CT gas bar. That does add up but sometimes I find a hard time trying to find something to buy to use it lol

April 21, 2021
8:27 am
Londonguy
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smayer97 said
As I have stated already, Toronto Taxes DOES show up as an option.

That said, it looks like the product offer has changed quite a bit. So for those who have the card, rewards may be different than for new customers. I think it best to contact CTB to confirm what their current reward program is for new customers and if it still pays anything on bill payments.

For existing customers, the basic CT card pays 0.8% and 1.5% for the WE card.

Do report back.  

That is factually incorrect. I'm amazed at how much misinformation there is on this thread but I'm going to focus on the obvious.

The basic card earns 0.80% in CT money on bill payments, but the WE version card earns 1.00%, not 1.50%. It never paid 1.50%.

The CT bill payment feature has been running for years now, it has not ended and is still operating. There is no need to be calling CT Bank to ask. If it were to end, that would represent a change in their terms of service, and they would have issued a notice to that effect, and there would already be 1,000+ posts about it on RFD alone.

Also, the rewards for holders of the same class of card are identical. They are not tailored to individual cardholders.

April 21, 2021
9:25 am
smayer97
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@Londonguy thanks for the correction on the 1.5%.... memory lapse. But you are being a little dramatic at claiming "I'm amazed at how much misinformation there is ..."

The fact is that a lot of information has been removed from the CT site regarding all the eligible rewards. So there is reason to suspect change. It would also not be the first time, nor the last, that credit card companies grandfather terms and conditions for the SAME product that then has different rewards for new customers. And there would be no easy way for existing customers to have visibility to such changes.

I have and have had dozens of credit card products of the years and have seen all kinds of changes, so have a basis to raise suspicion.

So I simply offered that it be confirmed. No big deal.

April 21, 2021
10:19 am
Norman1
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I think there is so much misinformation because Canadian Tire Bank has done such a poor job of disclosing the reward rates on their MasterCard.

Did anyone find where that 0.8% rate is disclosed on their web site?!?

It's actually not clear what one would earn on "other" spending besides at grocery stores or at one of their stores. Some reviews say 0.5% while others say 0.8%.

Really unhelpful to advertise "Collect CT Money everywhere else you shop" and not disclose what the earn rate would be for such purchases!

April 21, 2021
10:19 am
Londonguy
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smayer97 said
...So there is reason to suspect change...

...So I simply offered that it be confirmed. No big deal...  

Well, I'm not going to make a list, but a few posts back you also claimed that the WE card was no longer available. Not true. You can suspect all you want, but that doesn't make it so. Meanwhile there are people reading all this stuff as factual as if you know what you're talking about.

So I'm simply drawing it to their attention that you don't. No big deal.

April 21, 2021
10:33 am
rodeworthy
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Loonie said
I understand there may have been changes in the list of payees that has been posted - which does not seem to include Toronto Tax.

I don't have a CT credit card, and would not have much use for one normally. So I need to know if it is worth getting one.

If I had the card, would I b able to see an updated list that does included Toronto Tax? Can anyone verify this for me?

Second, what is the reward on these payments? I can't find this on the CT CC site. Can only find 4% for CT stores and 1.5% for grocery stores.
Thanks.  

Loonie, the graphic below shows that TORONTO TAXES is listed as an available Payee when 'Adding a Payee':
-------------------------------------------------------------------------------------
CT-Manage-Payees-Toroto-Taxes.gif
-------------------------------------------------------------------------------------

The CT eMoney reward rate depends on the card you obtain. Rewards can only be redeemed through purchases at CTC or their affiliated stores. Others have posted the reward rates for the various cards.

I have noticed a certain bias against CTC from some users of this site. Your comments from time to time lead me to believe you may be in that camp. Maybe this card is not for you if you cannot find items you can use from the broad range of products, and services, offered by this Canadian icon. Nothing wrong with that but accepting that product, not cash, will be the only thing you can get rewarded with is key to the entire program.

It doesn't take too many purchases to use up the eMoney. I apply it to home maintenance/improvement items I buy anyway. If the balance gets much above $400 I get to buy something I would like to have - but maybe not need to have sf-laugh!

April 21, 2021
11:59 am
smayer97
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Londonguy said

Well, I'm not going to make a list, but a few posts back you also claimed that the WE card was no longer available. Not true. You can suspect all you want, but that doesn't make it so. Meanwhile there are people reading all this stuff as factual as if you know what you're talking about.

So I'm simply drawing it to their attention that you don't. No big deal.  

Ok Londonguy.,. you seem to be getting a little big for your britches...we're all here just trying to help each other. No one has a corner on all the facts.

In fact, the CTB DID stop offering the WE MC for a period of time, as I have had one all along but my wife had the basic card and not long ago (last summer/fall) we were refused to upgrade it because they had decided to pause the offering indefinitely. It is clear that at some point since then they decided to bring it back...

As for the % rewards, that too has been changed over time. The basic card used to receive 1% and that too was changed to 0.8%.

And I agree with @Norman1 that part of the confusion that arises is because all of this is poorly documented.

So again, that is why I suggested confirming with CTB what the current offerings actually are.

April 21, 2021
8:10 pm
Loonie
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OK, so what i know now is that the rate of return is on the low side, maybe as much as 0.8% on the basic card, maybe lower, and, like all things of this nature, likely to get lower again.

I am still stuck on whether Toronto Property Taxes are actually included. smayer says they are. I don't disbelieve him, but neither do I have any verification. It doesn't appear on the link provided, no matter what search parameters I or spouse have used. I realize the list is out of date. So, the question remains whether the list that can be accessed when you actually have one of their cards is more informative about Toronto Property Tax. Or has smayer been grandfathered in because he already had it set up but perhaps not being offered any more?

At the moment, I'm thinking I may not bother with this. The reward I can get from Enbridge and Hydro alone is not enough to justify the aggravation, especially as it's reasonable to anticipate the reward ratio to decrease.

April 21, 2021
9:21 pm
Norman1
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The earn rate of "other" spending and those special bill payments could be just ½%.

I saw this fine print at the bottom of Triangle MasterCard:

1.5% earn rate applies to the first $12,000 in annual spend at grocery stores with Mastercard merchant code 5411. Excludes purchases at Walmart, Walmart Superstore and Costco. After than, your earn rate will be 0.5%. For examples of qualifying grocery merchants, visit triangle.com/merchants. Annual spend is based on a calendar year of January 1 – December 31, 2020.

It is possible, but odd, for grocery spending above $12,000 to earn 0.5% while bill payments and "other" spending earns 0.8%. sf-confused

Typo perhaps? It's really ½% or 0.8% for both?!?

Definitely need to contact Canadian Tire Bank to ascertain what the earn rates are currently.

April 22, 2021
7:03 am
savemoresaveoften
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Loonie said
OK, so what i know now is that the rate of return is on the low side, maybe as much as 0.8% on the basic card, maybe lower, and, like all things of this nature, likely to get lower again.

I am still stuck on whether Toronto Property Taxes are actually included. smayer says they are. I don't disbelieve him, but neither do I have any verification. It doesn't appear on the link provided, no matter what search parameters I or spouse have used. I realize the list is out of date. So, the question remains whether the list that can be accessed when you actually have one of their cards is more informative about Toronto Property Tax. Or has smayer been grandfathered in because he already had it set up but perhaps not being offered any more?

At the moment, I'm thinking I may not bother with this. The reward I can get from Enbridge and Hydro alone is not enough to justify the aggravation, especially as it's reasonable to anticipate the reward ratio to decrease.  

For your reference, I use the WE card and earn 1% on bill payment.

April 22, 2021
12:54 pm
pwr1019
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Loonie I can confirm that smayer97 is correct Toronto Taxes shows up on the current list of payees.

Also to confirm like savemoresaveoften I receive 1% of my kids tuition, property taxes and my utility bills back in eCT money. I'm the same as rodeworthy I have no trouble finding a use for the $400-500 in eCT money I get back per year. Since I have no other way to pay these bills that gives me any rebate I consider it a win.

I utilize the card at Canadian Tire and other CT stores (Marks, Sport Chek, Pro Hockey Life) for the 4% back (before HST), I also use it on groceries for 3% back. Other than that I really don't use the card

For clarity I'm referring to the Canadian Tire WE Mastercard.

April 22, 2021
2:26 pm
Norman1
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The 1% earn rate, reported by pwr1019 and savemoresaveoften, for the special bill payments using the Triangle World Elite MasterCard matches the earn rate of the card for grocery spending above $12,000:

2 3% earn rate applies to the first $12,000 in annual spend at grocery stores with Mastercard merchant code 5411. Excludes purchases at Walmart, Walmart Superstore and Costco. After that, your earn rate will be 1%. For examples of qualifying grocery merchants, visit triangle.com/merchants. Annual spend is based on a calendar year of January 1 - December 31.

If that pattern also holds with the Triangle MasterCard, then the earn rate would be 0.5% for special bill payments using the regular Triangle MasterCard.

April 23, 2021
3:27 pm
William
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Hi everyone,

If it helps, just to mention I'm paying the following four bills with my World Elite CT Mastercard and it works fine. Here are the payees codes:

TOR UTL BILL (Toronto Water and Waste)
ENBRIDGE (Enbridge)
TORONTO HYDRO (Hydro)
TORONTO TAXES (Toronto Taxes)

April 23, 2021
5:07 pm
Brimleychen
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William said
Hi everyone,

If it helps, just to mention I'm paying the following four bills with my World Elite CT Mastercard and it works fine. Here are the payees codes:

TOR UTL BILL (Toronto Water and Waste)
ENBRIDGE (Enbridge)
TORONTO HYDRO (Hydro)
TORONTO TAXES (Toronto Taxes)  

Thanks! Finally I can add Toronto water bill as payee now. I assumed the 20 digit payee account no required is 9 digit account number and 11 digit client No.

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