Available across Canada

The Rewards Program For Housing

Use rewards when you rent or buy a home.

Get started → See how it works

Good morning,

Sarah M.

Available balance

$847.20

Earned today

+$12.20

204–980 Bloor St W
Toronto, ON M6H 1L5

Move-in Apr 1, 2026

Deposit $3,600

Rewards applied − $620

You paid $2,980

Recent earnings

Tim Hortons

Today, 8:14am

+$0.65

Sobeys

Yesterday, 5:32pm

+$3.20

Referral — Marcus T.

Joined Quarters

+$10.00

How it works

Three steps between you
and your next home.

Housing is the biggest cost most Canadians face. Quarters turns everyday life into a steady contribution toward it.

Create your account

Free to join · No credit check

Earn rewards

Build your rewards balance through everyday life — challenges, referrals, offers, and more.

Challenges · Referrals · Offers · More

Apply your balance to your home

When you're ready to rent or buy, apply your Quarters balance directly to your deposit or down payment.

Rent · Deposits · Buying

Start earning today

Free to join. Easy to earn.

No catch, no credit card, no commitment. Download the app and start building your rewards balance toward housing from day one.

Challenges & Milestones

Goals that grow
your balance

Complete weekly challenges to earn bonus rewards, and hit milestones in your Quarters journey to unlock one-time bonuses. The further you go, the more you earn.

Weekly challenges · One-time milestone bonuses

Offers

Earn more
at your favourites

Browse active offers from merchants in your area. Claim one, shop there, and the reward lands in your balance automatically.

New offers every week

Referrals

Your friends
earn you more

Share your link. When a friend joins and starts earning, you both get $10 toward housing. No limit on how many friends you refer.

$10 per active friend

Stack your rewards

Earn on top of
your existing cards

Connect your bank account and Quarters automatically detects eligible spending in our network — stacking Quarters rewards on top of whatever card you're already using. Keep your Scene+, Aeroplan, or cash back. Earn Quarters on top.

Optional · Works with any card

Redeem your rewards

Pay for your home with rewards.

Your rewards go toward whatever housing cost you need most.

Your next home

Move in with
less upfront

Renting

Cover your lease deposit

Your biggest cost before moving in is often the deposit. Use your Quarters rewards to cover it and move in with more in your pocket.

Owning your home

Get into your
home sooner

Buying

Reduce your closing costs

Buying a home comes with a long list of upfront costs. Use your Quarters rewards to reduce what you bring to closing day.

Moving day

Moving costs
handled

Moving

Cover movers, truck & storage

Moving adds up fast. Redeem your rewards toward movers, truck rental, and storage.

Getting set up

Day one costs
handled

Utilities

Internet, insurance & more

Use your rewards on the recurring costs that start the moment you get the keys.

Your next home iscloser than you think

Join thousands of Canadians earning rewards toward housing. Free to join, no credit card required.

Get started →

Free to join · No credit card · iOS & Android

FAQ

Questions,
answered.

Everything you need to know before joining.

Still have questions? Contact us →

Yes — completely free. No credit card, no monthly fees, no commitment. You create an account and start earning immediately.

There are many ways — completing challenges, hitting milestones, claiming offers, and referring friends. You can also optionally connect your bank account to earn automatically on eligible spending detected in our network.

Absolutely. Quarters works on top of whatever card you already use. Your Scene+, Aeroplan, cash back — all of it keeps working exactly as it does today. Quarters adds to it, not instead of it.

When you're ready to rent or buy, you apply your Quarters balance directly through the app. Your rewards cover part of your deposit or down payment — the remainder comes from you as usual.

Your rewards don't expire while your account is active. Quarters is designed to be a long-term balance you build over time — there's no pressure to redeem by a certain date.

Yes. Bank connections use read-only access through encrypted, bank-level security. Your credentials are never stored by Quarters. And connecting your bank is entirely optional — you can earn plenty of rewards without it.