It will take 3-5 minutes to complete this application.
If approved, you will receive correspondence in the mail within
7-10 business days.

Please read the information below and click 'Start Application' to continue.

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Cost of Credit Disclosure for Credit Card Applications

Annual Interest Rate These interest rates will be in effect on the day your account is opened:
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.
Interest-Free Grace Period At least 21 days or, if you are a resident of Quebec, at least 26 days.

You will benefit from an interest-free grace period of at least 21 days (at least 26 days if you are a resident of Quebec) on new purchases if we receive payment in full of the balance due on your current statement by the payment due date.

There is no grace period for cash transactions, such as convenience cheques, balance transfers or cash advances, or for fees for such transactions.
Minimum Payment The sum of:

(A) interest and fees shown on your statement, plus

(B) the greater of any amount past due or any balance over your credit limit, plus

(C) the amount of any equal payments plan installments then due, plus

(D) $10.00

Balances under $10.00 are due in full.
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 Fees None
Other Fees
Cash Advance Fee$4Charged when the transaction is posted to your account.
NSF/Dishounoured Payment Fee$25Charged if a payment you make is dishonoured.
Charges for Copies$2Charged when you request a copy of a statement or sales slip.
Credit Balance FeeThe 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.

Information effective as of July 23, 2015.

Lost or Stolen Cards

You must notify Canadian Tire Bank immediately if you think that your Card has been lost or stolen by calling 1-800-459-6415. You are not liable for unauthorized use of a lost or stolen Card, unless your Card is used with a Personal Identification Number to obtain a cash advance at an automated banking machine or to make a purchase, in which case you are liable for the full amount of each unauthorized use until you notify us.

Customer Service Department

In Canada: 1-800-459-6415
Outside Canada (collect): 905-735-7256

The Cash Advantage MasterCard is issued by Canadian Tire Bank ("CTFS") pursuant to a licence by MasterCard International. Your initial credit limit will be an amount not to exceed $25,000. If approved, your card will be sent to you no later than six (6) weeks after application. Address for CTFS:

P.O. Box 2000,
Welland, Ontario L3B 5S3
Fax: 1-888-728-5822

Am I Eligible for this Card?

  • You are a Canadian resident
  • You are at least the age of majority in the province where you reside
  • You are currently employed or retired

What you need

  • Previous address (if less than 2 years at current address)
  • Annual income
  • Current employer name & address

Please enter a 4-5 digit code associated with a promotion you have received (example: 04310)

§ Some conditions apply. See Rewards Program Terms and Conditions for details.back

1 If you are not approved for the Card at these rates, we may still issue you a card at an annual interest rate of 27.99% for cash transactions and related fees and 25.99% for all other charges. back

®/™ Unless otherwise noted, all trademarks are owned by Canadian Tire Corporation, Limited and are used under licence.

®/™ MasterCard, the MasterCard Brand Mark and MasterCard SecureCode are registered trademarks of MasterCard International, and used under licence.


Canadian Tire Gas Advantage MasterCard®

Rewards at a glance


Annual Fee — None!1

Interest Rate — 19.99%1

Cash Transactions and Related Fees — 22.99%1

Other ways to apply

Apply by phone
(excluding Quebec)

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