Paying tax, utility, and insurance bills with Canadian Tire credit cards | Page 2 | Credit card reward programs | Discussion forum

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.

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.

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.

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.

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!

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':
-------------------------------------------------------------------------------------

-------------------------------------------------------------------------------------

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 !

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.

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.

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.

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.