Options Mastercard

TRIANGLE^® MASTERCARD^®

Canadian Tire Options^® Mastercard^® is now the Triangle^TM Mastercard^®

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Cash Advantage ® Mastercard^®

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^† The Triangle Rewards Program is owned and operated by Canadian Tire Corporation, Limited. Triangle^® Mastercard^®, Triangle^® World Mastercard^® and Triangle^® World Elite Mastercard^® are issued by Canadian Tire Bank. Rewards are in the form of electronic Canadian Tire Money^® (CT Money^®). Not all items sold at Canadian Tire, Sport Chek, Atmosphere, Mark’s, L’Équipeur, Party City, Pro Hockey Life, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, and participating Sports Experts are eligible to earn CT Money or to be redeemed for. Available in-store only at Sports Experts, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey. Certain Sports Experts stores or rental shops may not participate. Not available at out-of-store events. Conditions apply. Visit Triangle Rewards: Sign Up & Earn Today for full program rules and Partner location information. The offered rate is exclusive of any bonus or promotional offers or redemption transactions. CT Money is collected on the pre-tax amount of the purchase at Canadian Tire, Sport Chek, Atmosphere, Mark’s and Sports Experts.

^*Participating retailers: Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Atmosphere, Party City, Pro Hockey Life, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts stores.

¹ CT Money is collected on the number of whole litres of fuel purchased when you show your Triangle card, mobile App or key fob and pay with cash or debit. Rate subject to change and could vary by location, see local gas bar for details. Not all Gas+ locations have premium fuel. Must go inside kiosk to collect rewards with App or key fob.

² 1.5% and 3% earn rate applies to the first $12,000 in annual spend at grocery stores with Mastercard merchant code 5411. Excludes purchases at Walmart, Walmart Superstore and Costco. After that, your earn rate will be 0.5% for Triangle Mastercard or 1% for Triangle World Elite Mastercard. For examples of qualifying grocery merchants, visit Merchant List | Triangle. Annual spend is based on a calendar year of January 1 - December 31.

³ Purchase Security, Extended Warranty and Car Rental Collision/Loss Damage Waiver Insurance are insurance coverages underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy CTB0418, issued by ABIC to Canadian Tire Bank. Details of the coverage, including definitions, benefits, limitations and exclusions, are outlined in the Certificate of Insurance included in the Triangle World Elite Mastercard welcome kit. ABIC, ASCI, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant^®.

⁴ Benefit must be activated. Roadside Assistance is brought to you by Canadian Tire Services Limited. Visit here for details.

⁵ Concierge Services are services only, not insurance benefits. These services are provided by Assurant Services Canada Inc. (ASCI). Details are provided in the Statement of Services included in the Triangle World Elite Mastercard welcome kit.

^{^} Financing available is “Equal payments, no interest” for 24 months (unless otherwise stated) and is only available on request, on approved credit and on purchases of $150 (unless otherwise stated) or more (Gift Cards excluded) made with your Triangle credit card at Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts. 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 payments plan. 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. Offer subject to change without notice.

Additional information for residents of Quebec only: The regular annual rate for persons applying for the Triangle Mastercard and the Triangle World Elite Mastercard is 21.99% for cash transactions and related fees and 20.99% for all other charges. Some applicants may receive a higher or lower regular annual rate depending on a credit evaluation. The minimum payment is the sum of (a) the greater of: (i) interest and fees shown on your statement + $10; or (ii) 5% of the New Balance, excluding amounts on special payment plans, (b) any balance over your credit limit, (c) any amounts past due not included in (b) above, and (d) the amount of any equal payments plan instalments then due. Balances under $10 are due in full. For accounts opened prior to June 13, 2019 the rate of 5% will start at 2% and increase by 0.5% each August 1st until it reaches 5%. 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 Triangle Mastercard and the Triangle World Elite Mastercard do 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 20.99%, a 30 day month, no charges made on special payment plans and no other fees, additional payments or other changes are:

Credit card balance and monthly interest charges examples
If your average balance is:	$100	$500	$1000	$2000
Total monthly credit charges will be:	$1.73	$8.63	$17.25	$34.50

^ƒ Information for the Triangle^® Mastercard^® and Triangle^® World Elite^® Mastercard^®:

Annual Interest Rate(s): All charges to your account (excluding cash transactions and related fees) — 20.99%

Cash transactions (for example: cash advances, balance transfers, convenience cheques, money transfers, purchase of travellers cheques and gambling transactions) and related fees — 21.99% (if you reside in Quebec) or 22.99% (if you reside outside Quebec).

For the Triangle Mastercard only: If you are not approved for a card at the above rates, Canadian Tire Bank may still issue you a card at the following annual interest rates: (i) if you are a resident of Quebec, 21.99% for all charges; or (ii) if you reside outside of Quebec, 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

Other Fees:

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.

Credit Balance Administration Fee: The lesser of $2 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 (other than any credit balance fees) for the previous 2 billing periods.

The Triangle Mastercard and Triangle World Elite Mastercard are issued by Canadian Tire Bank.

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

^®/TM Mark’s and L’Équipeur are registered trademarks of Mark’s Work Wearhouse Ltd, used under licence.

^®/TM Sport Chek and Atmosphere are registered trademarks of FGL Sports Ltd.

^®/TM Mastercard, World Mastercard and World Elite and the circles are registered trademarks of Mastercard International Incorporated.

^® Assurant is a registered trademark of Assurant, Inc.

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Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Watch is a trademark of Apple Inc. App Store is a service mark of Apple Inc.

Canadian Tire Options^® Mastercard^® is now the Triangle^TM Mastercard^®

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Canadian Tire Options® Mastercard® is now the TriangleTM Mastercard®

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About Canadian Tire Bank

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Canadian Tire Options^® Mastercard^® is now the Triangle^TM Mastercard^®