Canadian Tire Options® Mastercard®
Canadian Tire Options® Mastercard®
Canadian Tire Options® Mastercard® cardholders collect Canadian Tire Money® everywhere they shop, and collect more at Canadian Tire stores
Credit Score Good: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months.
Rewards Are all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
- Collect 4%† Canadian Tire Money® every day at Canadian Tire, including Automotive service
- Collect Canadian Tire Money at Mark's®, Sport Chek® and PartSource®
- Collect Canadian Tire Money at participating Canadian Tire Gas+ locations1
- Collect Canadian Tire Money everywhere else you shop
- Rewards that don't expire. Redeem rewards for a wide range of necessities at Canadian Tire stores
- Buy Now, Pay Later, Financing Options available at participating Mark's, Sport Chek and Canadian Tire stores
- Apple Pay™ or Android Pay™
- No Annual Fee
- Tap & Go™
- My Online Account
† In the form of electronic Canadian Tire Money® (CT Money®).Terms and conditions apply to collecting and redeeming. Visit canadiantire.ca or ctfs.com/ctm for more information.
1Minimum fuel purchase may be required. Rate may vary by location. See local gas bars for details.
†Information for the Canadian Tire Options® Mastercard®:
Annual Interest Rate(s): All charges to your account (excluding cash transactions and related fees) — 19.99%
Cash transactions (for example: cash advances, balance transfers, convenience cheques, money transfers, purchase of travellers cheques and gambling transactions) and related fees — 22.99%
If you are not approved for a card at the above rates, Canadian Tire Bank may still issue you a card at an annual interest rate of — 25.99% for all charges (excluding cash transactions and related fees) and 27.99% for cash transactions and related fees.
Foreign Exchange Conversion: All transactions made in a foreign currency will be converted to Canadian currency at the then current MasterCard conversion rate plus 2.5% (for charges to your account) or minus 2.5% (for credits to your account) when the transaction is posted to your account.
Annual Fee: None
Cash Advance Fee: $4 - Charged when thetransaction is posted to your account.
NSF/Dishounoured Payment Fee: $25 - Charged if a payment you make is dishonoured.
Charges for Copies: $2 - Charged when you request a copy of a statement or sales slip.
Credit Balance Fee: The lesser of $10 or the amount of your credit balance. - Charged on the last day of a billing period when there is a credit balance on the account and the account has been inactive for the previous 12 billing periods.The minimum payment is the sum of (a) interest and fees shown on your statement, (b) the greater of any amount past due or any balance over your credit limit, (c) the amount of any equal payments plan instalments then due, and (d) $10. Balances under $10 are due in full. For residents of Quebec, the period between the statement date and the due date for payment is 26 days. The billing period covered by each statement can be from 28-33 days.
Examples of borrowing costs (rounded to the nearest cent) assuming that all charges are purchases bearing interest at the regular annual rate of 19.99%, a 30 day month, no charges made on special payment plans and no other fees, additional payments or other changes are:
|If your average balance is:||$100||$500||$1000||$2000|
|Total monthly credit card charges will be:||$1.64||$8.22||$16.43||$32.86|
†* Balance Transfer fee may apply.
‡On approved credit. Terms and conditions apply. Minimum $200.
®/™ Sport Chek is a registered trademark of FGL Sports Ltd.
®/™ Mark's/L'Equipeur is a registered trademark of Mark's Work Wearhouse Ltd.
®/™ Unless otherwise noted, all trademarks are owned by Canadian Tire Corporation, Limited and are used under licence.
®/™ Mastercard and World Mastercard are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated"
Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.Apply Online