Canadian Tire Options® MasterCard®
A faster way to collect your Canadian Tire 'Money’
Get rewarded for the things you buy with the Canadian Tire Options® MasterCard®
No Annual Fee
Enjoy the many benefits of the My Canadian Tire 'Money'® program
Get even more great perks on the go with our NEW app
Earn bonus rewards and badges, get special deals, service your account and even check out at Canadian Tire stores with the Canadian Tire mPay & PlayTM App, available on Android and iOS.
Count on convenient features that come with your card
|Online and mobile account access through My Online Account||Faster checkout in the store with Tap & GoTM|
|Paperless billing with eStatements||Added security with chip & PIN technology|
|Fast online checkout with MasterPassTM||Award-winning customer service available 24/7|
No Fee, No Interest Financing*
Enjoy No Fee, No Interest Financing with 12 Equal Monthly Payments when you spend $200 or more* at Canadian Tire.
Still have questions?
Call our award-winning call centre at 1-800-459-6415 for answers.
† Terms and conditions apply to collecting and redeeming. Visit canadiantire.ca or ctfs.com/ctm for more information. Canadian Tire Options MasterCard cardmembers paying with their Options MasterCard collect e-Canadian Tire ‘Money’® at a rate that is 10X (or 2X as the case may be) the rate at which other members of the My Canadian Tire ‘Money’ program collect e-Canadian Tire ‘Money’ on purchases made by such other members at Canadian Tire stores (if those other members paid by cash, debit or a credit card not linked to this loyalty program). The offered rate is exclusive of any bonus or promotional offers or redemption transactions. e-Canadian Tire 'Money' is collected at Canadian Tire and Partsource stores on the pre-tax amount of the purchase.
‡ Minimum fuel purchase may be required. Rate may vary by location. See local gas bars for details.
1 Visit canadiantire.ca to create an online profile or download the Canadian Tire Mobile App.
* “Equal payments, no interest” for 12 months is only available on request, on approved credit with a Canadian Tire Bank issued credit card and on purchases of items at Canadian Tire of $200 or more (excluding gift cards). Interest does not accrue during the period of the plan. However, if we do not receive the full minimum due on a statement within 59 days of the date of that statement, or any event of default (other than a payment default) occurs under your Cardmember Agreement, all special payment plans on your account will terminate and (i) you will then be charged interest on the balances outstanding on such plans at the applicable regular annual rate from the day after the date of your next statement, and (ii) the balances outstanding will form part of the balance due on that statement. There is no administration fee charged for entering into a special payment plan. Not available on purchases using a Low Rate Options® MasterCard®. Each month during an equal payments plan you are required to pay in full by the due date that month’s equal payments plan instalment. Any unpaid portion not received by the due date will no longer form part of the equal payments plan and interest will accrue on that amount from the day after the date of your next statement at the applicable regular annual rate.
Additional information for the Canadian Tire Options MasterCard: $100 $500 $1000 $2000 $1.64 $8.22 $16.43 $32.86
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 the transaction 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.
Additional information for residents of Quebec only: 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. The Options MasterCard does not have an annual fee. 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: Total monthly credit charges will be:
®/TM Unless otherwise noted, all trademarks are registered by Canadian Tire Corporation, Limited and are used under licence.
®/TM Mark's is a registered trademark of Mark's Work Wearhouse Ltd.
®/TM Sport Chek is a registered trademark of FGL Sports Ltd.
®/TM MasterCard and the MasterCard Brand Mark are registered trademarks, and MasterPass and Tap & Go are trademarks of MasterCard International Incorporated .