Money.ca Quarters launches Canada's first home rewards program
Available across Canada

The rewards program for housing

Earn rewards on everyday life. Put them toward rent, a deposit, or your down payment.

Start earning now → See how it works
$1,000,000+earned toward homes
Thousandsof Canadian members
$0to join
Quarters app showing rewards applied to a lease deposit
Quartersnow

You earned $5 in home savings from Tim Hortons

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New listing in your area matches your budget

As featured in Yahoo Finance The Globe and Mail Money.ca Alumni Perks
How it works

Three steps between you
and your next home

Quarters turns everyday life into steady progress toward your next home.

Step 1

Create your account

Sign up in under a minute. No credit check, no fees. Connect your existing accounts to get started.

Connected accounts
BMO
Synced today
Update rewards
RBC
Synced today
Update rewards
American Express
Synced today
Update rewards
Step 2

Earn rewards

Challenges, referrals, offers. Your balance grows through everyday life.

Active offers
View all ›
Uber
2x rewards · Claimed ✓
Valid until Apr 27, 2026
McDonald's
3x rewards · Claimed ✓
Valid until Apr 28, 2026
Starbucks
5x rewards · Claimed ✓
Valid until Apr 29, 2026
Step 3

Apply it to your home

Apply your balance to your deposit or down payment when you're ready.

Apartment at 204-980 Bloor St W
204–980 Bloor St W
Toronto, ON M6H 1L5
Move-in Apr 1, 2026
Deposit$3,600
+ Rewards applied−$620
Your price$2,980
Start earning today

Free to join. Easy to earn.

No catch, no credit card, no commitment.

Weekly challenge
Shop 3 local merchants
2 of 3 done
3-month milestone
Unlocked
+$25
Challenges & Milestones

Goals that grow your balance

Weekly challenges and milestone bonuses. The further you go, the more you earn.

Starbucks
5x rewards this week
Claim
Uber
2x rewards
Claimed ✓
Offers

Earn more at your favourites

Claim an offer, shop, and the reward lands in your balance automatically.

J
M
A
Maya joined Quarters
via your link
+$10 each
Referral earnings
4 friends joined
$40
Referrals

Your friends earn you more

When a friend joins and starts earning, you both get $10 toward housing.

Scene+ Visa
•••• 4471
Aeroplan Card
•••• 8802
Quarters stacks on top
Stack your rewards

Earn on top of your existing cards

Keep your Scene+, Aeroplan, or cash back. Quarters stacks rewards on top of the card you already use.

Redeem your rewards

Pay for your home with rewards

Your rewards go toward whatever housing cost you need most.

Bright living room in a new rental
Your next home
Move in with
less upfront
Renting

Cover your lease deposit

Put your rewards toward your deposit and move in with more in your pocket.

Lease deposit breakdown
First + last month's rent$3,200
Your Quarters rewards− $500
You pay$2,700
$500 off your deposit
Home exterior at dusk
Owning your home
Get into your
home sooner
Buying

Reduce your closing costs

Use your rewards to reduce what you bring to closing day.

Closing cost breakdown
Estimated closing costs$14,000
Your Quarters rewards− $1,200
You pay$12,800
$1,200 toward closing
Moving into a new home
Moving day
Moving costs
handled
Moving

Cover movers, truck & storage

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

Moving cost breakdown
Movers + truck rental$1,800
Your Quarters rewards− $350
You pay$1,450
$350 off your move
Member reviews

Rated 4.8 on the App Store

Real reviews from Canadians earning toward their next home.

★★★★★
It’s second nature now!

“Use with your everyday spending and get a nice return. Got me my first month’s rent free!”

A
Azmi K
App Store review
★★★★★
Effortless rewards

“So easy to earn rewards on purchases I was already making with my credit card.”

Y
Original Mr. Y
App Store review
★★★★★
The future of home saving!

“Amazing rewards program - easy to use and so many great incentives.”

E
esaj333
App Store review
★★★★★
Best app for extra rewards

“The experience with this app is quite smooth. John was helping in every step and made sure the rewards applied on time. One of the best ways to earn and apply rewards to your next house either lease or buy.”

S
Sai Rohit Rapelli
App Store review
★★★★★
Future you will thank you

“As a single mom with three kids, I saw the potential right away. You earn on the groceries, gas, and Costco runs you’re already doing, and it builds up without you really thinking about it. I’m already at $688 toward my next home.”

E
Erline H
Quarters member
★★★★★ 4.8 on the App Store · Read all reviews →

Your next home is closer than you think

Join thousands of Canadians earning rewards toward housing.

Start earning now →

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, or cash back 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, and 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, so 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.