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ctfs.com website review

Visit site (opens in a new tab)Reviewed 4 November 202638 issues · 87 checks

This review found 38 issues worth fixing on ctfs.com, 18 of them high impact, across 87 checks. The most urgent: use efficient cache lifetimes. Your full playbook turns these into prioritised fixes alongside reviews, competitors and channels.

  1. Homepage
  2. Phone render
  3. Links and pages
  4. Google PageSpeed

Google PageSpeed Insights (opens in a new tab), mobile

Real-visitor load time (LCP)75th percentile, phones
4.6 s4.1 sMay 16Oct 314.2 s
Show as table
DateReal-visitor load time (LCP)
May 16, 20264.5 s
May 23, 20264.5 s
May 30, 20264.6 s
Jun 6, 20264.5 s
Jun 13, 20264.4 s
Jun 20, 20264.3 s
Jun 27, 20264.4 s
Jul 4, 20264.4 s
Jul 11, 20264.5 s
Jul 18, 20264.5 s
Jul 25, 20264.5 s
Aug 1, 20264.5 s
Aug 8, 20264.5 s
Aug 15, 20264.5 s
Aug 22, 20264.5 s
Aug 29, 20264.5 s
Sep 5, 20264.5 s
Sep 12, 20264.5 s
Sep 19, 20264.5 s
Sep 26, 20264.6 s
Oct 3, 20264.5 s
Oct 10, 20264.5 s
Oct 17, 20264.4 s
Oct 24, 20264.3 s
Oct 31, 20264.2 s
Real-visitor tap response (INP)75th percentile, phones
154 ms135 msMay 16Oct 31144 ms
Show as table
DateReal-visitor tap response (INP)
May 16, 2026137 ms
May 23, 2026137 ms
May 30, 2026137 ms
Jun 6, 2026138 ms
Jun 13, 2026138 ms
Jun 20, 2026137 ms
Jun 27, 2026137 ms
Jul 4, 2026137 ms
Jul 11, 2026137 ms
Jul 18, 2026137 ms
Jul 25, 2026137 ms
Aug 1, 2026137 ms
Aug 8, 2026137 ms
Aug 15, 2026137 ms
Aug 22, 2026138 ms
Aug 29, 2026142 ms
Sep 5, 2026145 ms
Sep 12, 2026149 ms
Sep 19, 2026152 ms
Sep 26, 2026150 ms
Oct 3, 2026149 ms
Oct 10, 2026147 ms
Oct 17, 2026146 ms
Oct 24, 2026145 ms
Oct 31, 2026144 ms

Chrome UX Report (opens in a new tab): real Chrome visitors over rolling 28-day periods.

One score from every part of this review. How it works

Full-page screenshot of ctfs.com (phone) rendered by Google PageSpeed Insights

How it loaded on a phone

  1. ctfs.com at 0.4 s0.4 s
  2. ctfs.com at 0.8 s0.8 s
  3. ctfs.com at 1.2 s1.2 s
  4. ctfs.com at 1.6 s1.6 s
  5. ctfs.com at 2.0 s2.0 s
  6. ctfs.com at 2.4 s2.4 s
  7. ctfs.com at 2.8 s2.8 s
  8. ctfs.com at 3.2 s3.2 s

ctfs.com does not allow embedding, so this is Google's rendering of the page.

Speed

8 to fix13
  • Use efficient cache lifetimes

    6.8 s · 1.2 MB

    56 files are served with short cache lifetimes, so returning visitors download them again (1.2 MB).

  • Reduce unused JavaScript

    5.0 s · 1.1 MB

    About 1.1 MB of JavaScript is downloaded but never used on this page. Google estimates it would make the page about 5.0 s faster on a phone.

  • Render-blocking requests

    5.3 s

    3 files block the first paint until they finish downloading. Deferring or inlining them could save about 5.3 s.

  • Mobile performance score: 13

    13/100

    Your mobile performance score is 13. Under 50 is Google's “poor” band: many phone visitors leave before the page is usable.

  • 6 third-party services on the page

    6 third-party services load with your homepage (Google Tag Manager, Optanon and Quantum Metric and others), adding 1.5 MB and 1.0 s of main-thread time.

  • Google Tag Manager adds 833 ms

    833 ms

    Google Tag Manager costs a phone 833 ms of main-thread work and 1.1 MB of downloads while your page loads. Loading it after the page is usable, or only on the pages that need it, takes that off the critical path.

  • Main-thread work: 3.8 s

    A phone's processor spends 3.8 s on main-thread work while loading, 2.6 s of it running JavaScript. Above 2 s, taps and scrolls feel sluggish.

  • 19 long tasks on the main thread

    19 long tasks block the main thread while loading, the longest for 361 ms. During a long task the page ignores taps.

  • Legacy JavaScript

    200 ms · 38 KiB

    Polyfills for old browsers add 38 KiB JavaScript that modern phones do not need. Google estimates it would make the page about 200 ms faster on a phone.

  • Improve image delivery

    102 KiB

    6 images could be 102 KiB smaller with modern formats (WebP or AVIF) and sizes that fit a phone screen.

  • Reduce unused CSS

    62 KiB

    About 62 KiB of CSS is downloaded but never applied on this page.

  • Document request latency

    27 KiB

    The HTML itself could arrive sooner: redirects, a slow server response or missing compression delay everything after it.

  • Minify CSS

    6 KiB

    6 KiB could be saved by minifying CSS.

  • Chained critical requests

    Critical files load one after another instead of in parallel (3 chains). Preconnecting to key origins and preloading the hero image shortens the chain.

1 checks passed
  • Server response: 47 ms

    47 ms

    Your server sent the HTML in 47 ms, well inside Google's 600 ms guideline.

Core Web Vitals

11 to fix33
  • Fails Core Web Vitals for real visitors

    Real Chrome users on phones do not pass Google's Core Web Vitals on this page (28-day field data from the Chrome UX Report (opens in a new tab)). Google uses this in ranking.

  • Real-user CLS: 0.47

    0.47

    For real visitors the layout shifts by 0.47 (75th percentile). Good is under 0.1.

  • Largest Contentful Paint: 26.9 s

    26.9 s

    Your largest element takes 26.9 s to render on a phone. Google's threshold for “good” is 2.5 s. The largest element is the image “new cardmember bonus offer for $150 bonus CTM and additiona…”.

  • Time to Interactive: 30.8 s

    30.8 s

    The page becomes fully interactive after 30.8 s. Good is under 3.8 s.

  • First Contentful Paint: 6.1 s

    6.1 s

    The first text or image appears after 6.1 s on a phone. Good is under 1.8 s.

  • Speed Index: 9.4 s

    9.4 s

    Visually, the page fills in at 9.4 s (Speed Index). Good is under 3.4 s.

  • Total Blocking Time: 1.4 s

    1.4 s

    Scripts block taps and scrolling for 1.4 s in total while the page loads. Good is under 200 ms.

  • Cumulative Layout Shift: 0.377

    0.377

    The layout shifts by 0.377 while loading, so content jumps under the reader's thumb. Good is under 0.1.

  • Real-user LCP: 3.9 s

    3.9 s

    Real visitors wait 3.9 s for the largest content to appear (75th percentile). Good is under 2.5 s.

  • Real-user FCP: 2.6 s

    2.6 s

    Real visitors see the first content after 2.6 s (75th percentile). Good is under 1.8 s.

  • 16 images without width and height

    16 images have no width and height attributes, so the layout jumps as each one loads.

  • Tap response (INP) held steady for real visitors

    +5%

    Over the last 25 four-week periods to 2026-10-31, real Chrome visitors' tap response (inp) went from 137 ms to 144 ms at the 75th percentile (Chrome UX Report (opens in a new tab) history).

  • Largest content (LCP) held steady for real visitors

    -6%

    Over the last 25 four-week periods to 2026-10-31, real Chrome visitors' largest content (lcp) went from 4.5 s to 4.2 s at the 75th percentile (Chrome UX Report (opens in a new tab) history).

2 checks passed
  • Real-user INP: 153 ms

    153 ms

    Real visitors wait 153 ms for the page to respond to a tap (75th percentile). Good is under 200 ms.

  • Real-user TTFB: 679 ms

    679 ms

    Real visitors wait 679 ms for your server to start answering (75th percentile). Good is under 800 ms.

Images and page weight

1 to fix70
  • Page weight: 5.2 MB in 108 requests

    5.2 MB

    Your homepage downloads 5.2 MB in 108 requests on a phone: other files 2.4 MB (31), scripts 2.3 MB (21) and images 271 KiB (35). Under 2 MB keeps phones on slow connections fast.

  • 3 images below the first screen load straight away

    3 images further down the page (85 KiB) download before anyone scrolls to them. Adding loading="lazy" lets the first screen load first.

  • About 1.5 g of CO₂ per visit

    1.46 g

    By the Sustainable Web Design model, a visit to your homepage emits about 1.46 g of CO₂e: 175.6 kg a year at 10,000 visits a month. It scales with page weight, so every byte cut lowers it.

2 checks passed
  • Images use modern formats

    Every sizeable image is WebP, AVIF or SVG.

  • Images are sized for phones

    No image is downloaded at more than three times the size it is drawn on a phone.

Accessibility

Google 100100
  • Elements with visible text labels do not have matching accessible names.

    Elements with visible text labels do not have matching accessible names. (6 elements).

1 checks passed
  • 46 automated accessibility rules passed

    axe-core 4.13.0, the open-source engine behind most accessibility testing tools, ran 46 WCAG 2.2 A/AA and best-practice rules on the phone render: 46 passed and 0 failed. 2 mores need a person to judge. Automated rules catch about a third of accessibility problems; the rest need manual testing.

SEO

6 to fixGoogle 9276
  • No H1 headline

    There is no <h1>, so neither visitors nor Google get a clear main headline.

  • No structured data

    No structured data (JSON-LD), so Google can't show rich results such as your logo, ratings or FAQs.

  • No social preview image

    No Open Graph image (also missing: og:title, og:description), so links shared on LinkedIn, Slack or Facebook show no preview picture.

  • No XML sitemap

    No XML sitemap at https://ctfs.com/sitemap.xml, so Google discovers your pages only by following links.

  • Only 0 internal links

    The homepage links to only 0 pages on your own site, so visitors and crawlers find few routes into the rest of it.

  • 1 link with vague text

    1 link use generic text like “click here” or “learn more”, which tells Google nothing about the page behind it.

  • No X (Twitter) card tag

    No twitter:card tag. X falls back to Open Graph, which is incomplete here.

4 checks passed
  • Meta description: 140 characters

    Your meta description is 140 characters: “Explore the benefits of Canadian Tire Bank's Mastercard credit cards. Earn rewards and enjoy exclusive offers at Canadi…”.

  • Title: 53 characters

    Your title is a healthy 53 characters: “Canadian Tire Bank - Mastercard and Banking Solutions”.

  • Canonical URL set

    The canonical URL is https://www.ctfs.com/content/ctfs3/en/homepage.html.

  • robots.txt in place

    robots.txt is in place and points crawlers to your sitemap.

AI search readiness

2 to fix63
  • Most text only appears after JavaScript runs

    0%

    A phone browser shows 497 words, but the HTML your server sends has only 0. GPTBot, ClaudeBot and PerplexityBot read that HTML without running JavaScript, so they see an almost empty page. Server-side rendering or pre-rendering fixes it.

  • No Organization structured data

    There is no Organization (or LocalBusiness) JSON-LD, so search engines and AI assistants have no machine-readable facts about who runs the site: its name, logo, profiles and contact details.

2 checks passed
  • AI answer engines may read the site

    Your robots.txt lets the crawlers behind ChatGPT search, Claude and Perplexity read the site and cite it in answers.

  • llms.txt published

    The site publishes /llms.txt (4 KiB, 0 links), a plain-text guide to the site for AI tools.

Best practices

3 to fixGoogle 7785
  • 4 small tap targets

    4 of 20 tappable elements near the top of the page are smaller than 24 px, hard to hit with a thumb.

  • Deprecated browser APIs

    The page uses 1 deprecated browser API that will stop working in future browsers (“Unload event listeners are deprecated and will be removed.”).

  • 2 JavaScript errors while loading

    2 errors were logged to the browser console while the page loaded, for example “Failed to load resource: net::ERR_FAILED”.

  • Missing source maps

    Large scripts ship without source maps.

1 checks passed
  • Mobile viewport set

    The page declares a mobile viewport.

Security and trust

1 to fix92
  • No Content-Security-Policy

    No Content-Security-Policy header, the main browser-side defence against injected scripts.

  • 2 redirects before the homepage

    Opening https://ctfs.com goes through 2 redirects before the homepage loads.

  • No Referrer-Policy

    No Referrer-Policy header, so full URLs can leak to the sites you link to.

  • No Permissions-Policy

    No Permissions-Policy header to switch off camera, microphone and location for embedded content.

  • No security.txt

    There is no /.well-known/security.txt telling researchers how to report a security problem to you.

5 checks passed
  • Served over HTTPS

    The homepage is served over HTTPS (ctfs.com).

  • Valid certificate (169 days left)

    The certificate from DigiCert Inc · DigiCert EV RSA CA G2 verifies for ctfs.com and is valid for another 169 days.

  • Protected from clickjacking

    X-Frame-Options or a frame-ancestors policy stops other sites framing yours.

  • HSTS enabled

    Strict-Transport-Security is set, so browsers always use https.

  • http:// redirects to https

    http://ctfs.com redirects to the secure version.

Domain and trust

  • No CAA record

    ctfs.com has no CAA record, so any certificate authority may issue a certificate for it. A CAA record naming your provider (for example letsencrypt.org) closes that door.

  • DNSSEC is off

    ctfs.com's DNS answers are not signed. DNSSEC stops attackers forging them to send visitors or email elsewhere; most registrars switch it on in a click, though most sites still run without it.

2 checks passed
  • Domain is 31 years old

    31 years

    ctfs.com was registered in Mar 1995 through Webnames.ca Inc.. An established domain carries more trust with email providers and search engines.

  • Registered until Mar 2027

    ctfs.com is registered until Mar 2027.

Content and conversion

5 to fix20
  • No call to action on the first screen

    On a phone, there is no call to action on the first screen: visitors have to scroll to find out what to do next.

  • No calls to action

    We found no call-to-action buttons or links (such as “Book a demo” or “Get a quote”) anywhere on the homepage.

  • No social proof

    No testimonials, customer logos, ratings or customer counts on the homepage: nothing tells a new visitor that others already trust you.

  • No analytics detected

    No analytics or tag manager detected in the HTML, so you can't measure whether any of these fixes work.

  • No direct contact details

    No phone number or email link on the homepage, so ready-to-buy visitors have one fewer way to reach you.

  • No form on the homepage

    There is no form on the homepage, so every lead has to click through to another page first.

  • No risk reducer

    No guarantee or risk reducer (money-back, free trial, no credit card) is mentioned, which is often what tips a hesitant visitor.

  • About 497 words of copy

    The homepage carries about 497 words of visible text.

Email authentication

1 to fix70
  • DMARC is monitor-only (p=none)

    DMARC is set to p=none, so mail pretending to be ctfs.com is still delivered. Add a report address, check the reports, then move to quarantine.

  • Email authentication score: 70/100

    Email authentication: SPF record 25 points, plus 15 when it ends in -all (10 for ~all); DMARC record 25, plus 25 for a reject policy (15 for quarantine); a DKIM key on a common selector 10.

2 checks passed
  • SPF in place (~all)

    An SPF record lists your sending servers and marks other mail as suspicious (~all): “v=spf1 a:mt01.cimondemand.com ip4:149.72.230.111 ip4:205.210.17.0/24 ip4:199.71.113.0/24 ip4:199.202.144.0/23 ip4:104.1…”.

  • DKIM signing found

    A DKIM key is published (selector “selector1”, “selector2” and “s1”), so receivers can verify mail really came from you.

Privacy and tracking

  • 6 trackers load before any consent

    6

    Before a visitor clicks anything, the page loads Google Ads, Google Analytics, Google Tag Manager, Meta Pixel and Pinterest Tag and 1 more (measured from a US location before any click). A consent tool (OneTrust) is installed; check it blocks these until visitors agree where the law requires it.

  • 20 cookies set on arrival

    20

    Opening the homepage sets 20 cookies (measured from a US location before any click).

  • 24 other companies contacted

    Loading the homepage contacts 24 hosts run by other companies (fonts, scripts, analytics, ads), each of which sees the visitor's IP address.

1 checks passed
  • Consent tool: OneTrust

    A consent management tool (OneTrust) loads with the page.

Upkeep, stack and company

Stack

Hosting
Canadian Tire Corporation, LTD

Company

Employees
1,600
Founded
1968
Headquarters
Oakville

Upkeep, stack, hiring and company data from programmable.info

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