How do I access my credit card account online?
Click here to enrol!
What do I need to enrol?
Your credit card
Some basic personal information to help us confirm your identity and set up security features
10 minutes of your time
What are the benefits of using My Online Account?
Access your account details 24 hours a day, seven days a week
Update your personal information including your phone number and employment information.
Organize your finances and even download your information directly to money-management tools like QuickBooks® and Microsoft® Money
How do I request a credit limit increase for my Canadian Tire Bank issued credit card?
Call us toll-free at 1-800-459-6415.
How do I change my address information with Canadian Tire Bank?
Call us toll-free at 1-800-459-6415.
How do I replace my Canadian Tire Bank issued MasterCard?
If your card is lost or stolen, call Customer Service immediately at 1-800-459-6415. If you're traveling outside Canada and the US, call us collect at 1-905-735-7256. We can provide you with a replacement card and/or a cash advance up to $1,000 (service charges apply) if you are traveling.
How do I add a supplementary cardholder to my credit card?
Online:
Login to My Online Account
Click the Manage My Profile tab
Select Request an Additional Card
By phone: Simply call toll-free 1-800-459-6415.
Don't have an online account? Click here to enrol.
How do I apply for a Canadian Tire Bank issued credit card?
Online: You can apply for a Canadian Tire credit card on this website by completing an on-line application. Just click here!
In Canadian Tire stores: Look for one of our helpful Field Marketing Representatives as you walk in any store. Or stop by Customer Service and fill out an application.
In Canadian Tire gas bars: Stop by Customer Service and fill out an application.
1. Online through your Regular Banking Institution or Mobile Banking App
This is the most convenient way to make a payment to your account. Set us up as a payee through your personal bank to make payments anytime, from anywhere.
Our Payee name is either Canadian Tire Mastercard or Triangle Mastercard depending on your card. You will need to enter your account number exactly, which is the full 16-digit number on your card.
Payments typically take up to 3-5 days to process.
2. Pay in a Canadian Tire Store
This is the fastest way to apply a payment to your account. You can make a cash or debit payment at any time in a Canadian Tire store. If your account is not overlimit or past due, it will free up credit instantly!
You must have your account number present at check-out when paying in-store. This is the full 16-digit number on your card, or can be found on a mailed, monthly paper statement. Your card, or paper statement, must be present at time of payment.
We encourage you to keep your receipt as record of your proof of payment.
$9999.99 is the limit for cash payments made in-store.
Some Canadian Tire Stores can mail a cheque payment on your behalf. Please contact your local store to ask if they offer this service, but slower payment processing times will apply.
3. Recurring or One-Time Payments on Your Online Account
You can pay directly through your Online Account on ctfs.com. Enrol in recurring payments or make a one-time payment. One-time payment processing times vary by personal bank, but payments typically take up to 5-7 days to process.
Recurring payments is the most worry-free payment to your account. Never miss a payment by setting up recurring payments and have your minimum payment or the full balance due automatically withdrawn from your bank account.
If you do not have an online account, call the number on the back of your card to assist you in setting up recurring payments.
4. Mail-In Cheque Payments
You can mail us a cheque to:
Canadian Tire Bank
P.O. Box 4653
Station "A":, Toronto, ON
M5W 5G4
IMPORTANT: Make your cheque payable to Canadian Tire Mastercard, write your full card number on the cheque, and include the payment slip from your monthly statement.
Account for a longer time of typically 1-2 weeks for cheque payments to process on your account.
5. In Person or Over The Phone with your Regular Banking Institution
Visit your regular banking institution to either make a payment with the teller, or through the ATM. You can also call your regular banking institution and speak with a representative.
You must provide your account number which is the full 16-digit number on your card. If going in person, a printed statement must also be presented.
Payments typically take up to 3-5 days to process.
6. How To Pay Canadian Tire Retail Cards
If you are a Canadian Tire Retail Cardholder, please review your payment options below:
When is my payment due?
Your payment due date is indicated on the first page of your monthly statement, on the summary page of your Online Account, or can be retrieved by calling our automated system at 1-800-459-6415.
If you don’t make a payment by your next statement date, credit privileges may be suspended until your minimum payment posts on the account.
How do I avoid Interest Charges?
In order to avoid interest charges, you must pay your Balance Due in full, and the payment must process before the due date.
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.
What is the difference between Balance Due and Minimum payment due?
Please ensure that if you are intending to avoid any interest charges, that you pay the full Balance Due amount every month before your due date. This is indicated on the first page of your monthly statement, or on the summary page of your Online Account.
Paying the Minimum payment due amount before the due date continues to avoid the account going into default, and also ensures credit privileges will not be suspended.
Why is my payment not reflecting in my balance?
The time it takes for a payment to be applied on your account differs depending on your method of payment. Refer to How To Pay Your Canadian Tire Bank Issued Credit Card tab above.
What can I do if there is a transaction on my account I don’t recognize or agree with?
Simply call our Contact Centre at 1-800-459-6415. A Customer Service Representative will be happy to help you enter a dispute on your account.
How do I finance a purchase made at Canadian Tire?
Present your Canadian Tire Bank issued credit card at any Canadian Tire store at the time of purchase and advise the cashier that you would like to take advantage of the financing offer available on the merchandise you are purchasing. Please note that equal payment plans are not available on the Low Rate Options® MasterCard®.
When will I bear interest on my purchase?
Equal Payments Plan:
To avoid being billed for interest on an Equal Payments Plan, you must do each of the following:
(i) pay in full your minimum monthly payment within 59 days of the statement date for all months for the term of your Equal Payments Plan and ensure that your account does not otherwise go into default;
(ii) pay in full your monthly instalment on the Equal Payments Plan by the due date for that statement.
If you fail to satisfy the first requirement above, the equal payments plan will end and interest will start to be charged on that plan balance. If you fail to satisfy the second requirement above, we will start to charge interest on the portion of the monthly instalment of the Equal Payments Plan that is unpaid.
Deferred Purchase Plan:
If the only purchase on your Canadian Tire Bank issued credit card is a Deferred Purchase you will not be required to make minimum monthly payments until the statement after your Deferred Plan expires.
If you are carrying a balance on your account for other purchases, you are required to make the minimum payment by the due date each month. This minimum payment does not include the portion of your balance that is on a Deferred Payment Plan. However, if you fail to make the minimum payment within 59 days of the statement date, or another default under your cardmember agreement occurs, the deferred payment plan will end and interest will start to be charged on that plan balance.
Upon expiry, your Deferred Purchase will become interest bearing. To avoid being billed interest on this purchase you must pay the purchase amount by the due date of the next statement after its expiry. If interest is charged, it will be calculated as of the expiry date of the Deferred Purchase, not the purchase date.
If I do not pay off the financed purchase before the expiry date, will I be charged interest back to the original purchase date?
Equal Payments Plan: You must pay your monthly equal payments plan instalment in full by the statement due date to avoid paying interest. If you do not pay this amount in full, you will be charged interest on that portion of the equal payments plan instalment that is unpaid starting from the day after the monthly payment is due.
Deferred Purchase Plan: No. Canadian Tire Bank will not charge you interest from the original purchase date. Interest will only be calculated on the outstanding balance once your deferral period has ended.
I have a Deferred Purchase or Equal Payments Plan in addition to other purchases on my account. When I make a payment how is it applied?
Payments are applied to your account in accordance with the cardmember agreement.
How will I know when my Deferred Purchase Plan will expire?
Your Deferred Purchase Plan expiry date and payment due date are outlined on your monthly statement as indicated in the example below.
Will a Deferred Purchase Plan or an Equal Payments Plan affect the available credit on my Canadian Tire Credit Card?
Yes. Your available credit will be reduced by the total amount of the transaction that you are financing.
I do not have a Canadian Tire Bank issued credit card but I want to finance a purchase at the Canadian Tire store, how can I do this?
A Canadian Tire Bank issued branded credit card is required to qualify for financing at Canadian Tire. To apply, visit any Canadian Tire store and apply for instant approval at the Customer Service Desk, apply online at https://www.ctfs.com/ApplyNow.
Is there a fee to finance under the Deferred Purchase or Equal Payments Plan?
There is no administration fee charged for entering into a special payment plan. Other fees can be charged in connection with the use of your credit card account such as an overlimit fee if you exceed your credit limit.
Contact Information
Whom do I contact for assistance with my Canadian Tire Bank issued credit card account?
Via email: Click here to contact us using our email form.
By phone: Simply call toll-free 1-800-459-6415.
Out of country: Simply call collect 1-905-735-7256.
What is MasterCard SecureCode and how does it work?
MasterCard SecureCode is a free card protection service we provide in association with MasterCard Worldwide. Through the use of a one-time code (OTP) additional protection is provided against unauthorized use of your Canadian Tire Bank issued credit card when making online purchases at participating merchants. When you make an online purchase, at a participating merchant, a request screen will automatically appear informing you that a One-Time Code will be sent to you via email or text message to your mobile phone. Once you receive the One-Time Code, you will need to enter it into the request screen in order to proceed with your transaction. When you correctly enter this information, Canadian Tire Bank will confirm that you are the authorized cardholder and the transaction will proceed through the payment process.
For more information, please read FAQs (Frequently Asked Questions) below or contact Canadian Tire Bank at the number on the back of your card.
FAQs (Frequently Asked Questions)
What are the benefits of Secure Code?
Secure Code provides an additional layer of security, outside the traditional transaction authorization process, and helps prevent unauthorized use of cardholder accounts by a third party.
How does it work?
Transactions originating with a SecureCode merchant pass through a risk-assessment process set up by Canadian Tire Bank. If the authorization is considered higher risk or out of the norm for you, as a cardholder, you will be prompted to input a One-time Code which will further validate the authenticity of the transaction.
How will I receive the One-Time Code?
One-time Codes are sent via SMS to your registered mobile phone number on file with Canadian Tire Bank. If you do not have a mobile number on file, the One-time Code will default to your registered email address. If you do not have either, you will be allowed to proceed through the process via question and answer verification.
What if I don’t receive the One-time Code?
The one-time Code can be re-sent to your registered mobile number or email address up to 3 times per transaction. After the third attempt, if you still have not received the Code, please call the number on the back of your card for assistance.
What happens if I enter in an incorrect One Time Code?
You will be prompted to provide your Credit Limit and Date of Birth in order to verify your identity.
What if I don’t have a mobile phone or email address on file with Canadian Tire Bank?
Please call the number on the back of your card for assistance.
For helpful videos and FAQ on the following topics listed below, click the links to find out more.
FCAC’s Digital Campaign
We are excited to share with you the Financial Consumer Agency of Canada’s (“FCAC’s”) latest “tip clips” that touch on various topics of interest, such as the importance of budgeting, credit reports and fraud awareness.
1. What is Voice Passport?
Voice Passport is a voice authentication technology that allows Canadian Tire Bank to verify who you are based on your voice. A Voice Passport is composed different characteristics that represent your voice. By recording your unique voice, we can protect you and your account in a way that is convenient, easy to use, and secure. And, because Voice Passport will automatically verify it's you within the first 10-15 seconds, you may no longer have to answer security questions when you call.
Please note: Canadian Tire Bank may ask additional verification questions to protect your privacy and the security of your account.
2. What are the benefits to using Voice Passport?
Save time with faster verification when calling into Canadian Tire Bank. The voice verification feature is easy to use and is no charge to you. It allows Canadian Tire Bank to verify you as you speak in the first 10-15 seconds, you may no longer to answer security questions when you call.
As well, Voice Passport is an additional layer of protection against fraud. Your voice has unique characteristics only to you, with Voice Passport we are able to ensure it’s only you are able to service your account.
3. How do you know it's me calling in to enrol?
Just like we do every time you call in, we'll protect the security and privacy of your information by authenticating your identity before we enrol you to Voice Passport.
4. How do I enrol?
It’s easy to enrol! You can give your consent in our automated telephone system or for more information talk to one of our representatives. If you decide to enrol, your voice will be captured so that in the future we can authenticate you using your voice clip.
5. Voice Passport recognize me if I have a cold?
Voice Passport is very reliable and can recognize you even if your voice changes as you age or get sick. If something severely affects your voice, we will use other methods to authenticate you.
6. I am concerned about my privacy.
At Canadian Tire Bank we understand your concern and treat your data with respect. The Voice Passport feature will only be enabled with your consent. The recording of your voice is saved as a data point representation in a secure system and can not be recreated or reverse engineered. concerned about my privacy.
7. What if I change my mind? Can my Voice Passport be deleted?
Yes, your Voice Passport can be un-enrolled and deleted if you no longer wish to use the service. Just call us at 1-800-459-6415 and we’ll be able to support you. You can also call us back in if you wish to resume the service.
8. What if I Voice Passport doesn’t recognize my voice?
Voice Passport is very reliable, if it fails, we will use other methods to authenticate you.
9. I have a friend / family member with a similar voice. Will they be able to access my account?
No, Voice Passport is a voice recognition technology that uses voice patterns to produce a unique identifier for every individual. Your Voice Passport is based on more than 100 unique physical and behavioral factors, these characteristics are used to distinctly identify you. Voice Passport provides an additional layer of protection and is a secure means of verifying who you are whenever you speak with one of our customer representatives.
10. If someone recorded my voice, can they access my account?
Voice Passport verification happens during the natural flow of a conversation when you begin enrollment with Canadian Tire Bank. In the event that someone were to record your voice, this would not flow in the context of a real conversation with a customer service representative.