The rewards program that the Canadian Tire Options® MasterCard® participates in has changed.

As of October 10 2014, the Canadian Tire 'Money' Advantage® program has changed to the My Canadian Tire 'Money'TM program

  • Collect 10X e-Canadian Tire 'Money'1 every day at Canadian Tire stores, including on automotive service, at Partsource®, Mark's® and at Sportcheck®2.
  • Collect e-Canadian Tire 'Money' at participating Canadian Tire gas bars4.
  • Collect 2X e-Canadian Tire 'Money' everywhere else you shop2

Please note: The rate at which you'll collect e-Canadian Tire 'Money' is different than the rate at which
Canadian Tire 'Money' Advantage points can be collected.3

Redeeming is easy, right at the checkout at Canadian Tire stores or online for gift cards at

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 advances and related fees) — 19.99%

Cash advances and related fees — 21.99%

If you are not approved for a card at these rates, Canadian Tire Bank may still issue you a card at an annual interest rate of — 25.99% for all charges (excluding cash advances and related fees) and 27.99% for cash advances 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.
Overlimit Fee$29Unless you reside in Quebec, we will charge you an overlimit fee of $29.00 if on a statement date your balance exceeds your credit limit and your balance is equal to or more than $2,000.00. However, for determining whether you must pay an overlimit fee, we will not include in that balance any amounts that have been billed on that statement for interest charges, or for credit insurance on your account that is offered by us or one of our affiliates.
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.

1 In the form of e-Canadian Tire 'Money'. Terms, conditions and restrictions apply. See program rules at or for more details. back

2 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. back

3 e-Canadian Tire 'Money' collected at Canadian Tire stores or online at is calculated on the pre-tax amount of the qualifying purchase, and is rounded to the nearest penny. For current rate(s) call 1-800-226-8473. back

4 Minimum fuel purchase may be required. Rate may vary by location. See local gas bars for details. back

®/™ Canadian Tire, Canadian Tire 'Money' On The Card, Canadian Tire 'Money' Advantage, Canadian Tire Options, PartSource and the Canadian Tire triangle design are registered trademarks, and My Canadian Tire 'Money' and e-Canadian Tire 'Money' are trademarks, of Canadian Tire Corporation, Limited.

®/™ MasterCard and the MasterCard Brand Mark are registered trademarks, and PayPass is a trademark, of MasterCard International Incorporated.


Canadian Tire Options® MasterCard®