Canadian Tire Bank

Canadian Tire Bank (operating as Canadian Tire Financial Services) is a federally regulated Schedule I bank, wholly owned by Canadian Tire Corporation, Limited and federally chartered in 2003. Headquartered in Oakville, Ontario with operations in St. Catharines and Welland, the bank is the financial-services arm of one of Canada's best-known retailers. It issues the Triangle Mastercard, Triangle World Mastercard, Triangle World Elite Mastercard, Gas Advantage and Cash Advantage Mastercards, and offers high-interest savings accounts and GICs, all tied to the Triangle Rewards loyalty program. On open finance, the bank exposes no first-party public developer API or banking API portal. Canada's Consumer-Driven Banking framework (Budget 2024 / Fall Economic Statement 2024, overseen by the FCAC) is legislated but not yet operational, so consumer data access today is voluntary and aggregator-based — Canadian Tire Bank card and account data is reached through aggregators such as Finicity (by Mastercard), Flinks and Plaid rather than a first-party API. The cantire.com developer portal is run by the retail parent Canadian Tire Corporation, not the bank, is gated behind sign-in, and its TLS certificate expired in February 2026.

Canadian Tire Bank is profiled on the APIs.io network. Tagged areas include Financial-Services, Banking, Canada, Schedule I Bank, and Credit Cards.

Canadian Tire Bank’s developer surface includes authentication and 9 more developer resources.

🌐 Visit website 📡 Source on GitHub

15.6/100 emerging ▬ flat Agent 9/100 agent aware Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

0 APIs

Financial-Services Banking Canada Schedule I Bank Credit Cards Mastercard Consumer-Driven Banking Data Aggregation

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 15.6/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 2.0 / 17

Access Clarity 1.8 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.5 / 10

Discoverability 5.8 / 9

Regulatory Posture 8.4 / 15

Agent readiness — 9/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/canadian-tire-bank: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Scopes 1

OAuth scopes governing access to this provider's APIs.

Canadian Tire Bank Scopes

4 scopes · authorizationCode

4 scopes

SCOPES

Resources

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Commercial 1

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

Company 3

The organization behind the API

Website

Website

About

About

LinkedIn

Source (apis.yml)

aid: canadian-tire-bank
url: https://raw.githubusercontent.com/api-evangelist/canadian-tire-bank/refs/heads/main/apis.yml
name: Canadian Tire Bank
kind: company
description: Canadian Tire Bank (operating as Canadian Tire Financial Services) is a federally regulated Schedule I bank,
  wholly owned by Canadian Tire Corporation, Limited and federally chartered in 2003. Headquartered in Oakville, Ontario with
  operations in St. Catharines and Welland, the bank is the financial-services arm of one of Canada's best-known retailers.
  It issues the Triangle Mastercard, Triangle World Mastercard, Triangle World Elite Mastercard, Gas Advantage and Cash Advantage
  Mastercards, and offers high-interest savings accounts and GICs, all tied to the Triangle Rewards loyalty program. On open
  finance, the bank exposes no first-party public developer API or banking API portal. Canada's Consumer-Driven Banking framework
  (Budget 2024 / Fall Economic Statement 2024, overseen by the FCAC) is legislated but not yet operational, so consumer data
  access today is voluntary and aggregator-based — Canadian Tire Bank card and account data is reached through aggregators
  such as Finicity (by Mastercard), Flinks and Plaid rather than a first-party API. The cantire.com developer portal is run
  by the retail parent Canadian Tire Corporation, not the bank, is gated behind sign-in, and its TLS certificate expired in
  February 2026.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- Canada
- Schedule I Bank
- Credit Cards
- Mastercard
- Consumer-Driven Banking
- Data Aggregation
tags_raw:
- Financial Services
- Banking
- Canada
- Schedule I Bank
- Credit Cards
- Mastercard
- Consumer-Driven Banking
- Data Aggregation
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis: []
common:
- type: DomainSecurity
  url: security/canadian-tire-bank-domain-security.yml
- type: WellKnown
  url: well-known/canadian-tire-bank-well-known.yml
- type: Authentication
  url: authentication/canadian-tire-bank-authentication.yml
- type: OAuthScopes
  url: scopes/canadian-tire-bank-scopes.yml
- type: Conformance
  url: conformance/canadian-tire-bank-conformance.yml
- type: LLMsTxt
  url: llms/canadian-tire-bank-llms.txt
- type: Website
  url: https://www.ctfs.com
- type: About
  url: https://www.ctfs.com/content/ctfs/en/about-us.html
- type: TermsOfService
  url: https://www.ctfs.com/content/ctfs3/en/legal.html
- type: LinkedIn
  url: https://ca.linkedin.com/company/canadian-tire-bank
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com