Financing

With a Triangle credit card, enjoy big purchases
sooner with 0%-interest financing*.

Financing

With a Triangle credit card, enjoy big purchases sooner with 0%-interest financing*.

Turn big purchases into small payments.

Finance your purchases through Canadian Tire Bank® with No fee, no interest*. Shop at Canadian Tire and you can get 12 equal monthly payments when you spend $200-$499 and 24 equal monthly payments when you spend $500 or more.

Shopping our other great retailers?

Get 12 equal monthly payments when you spend $200 or more at Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts and L’Entrepôt du Hockey and participating Mark’s/L’Équipeur and Sports Experts. Click here for participating stores.

How Equal Payment Plans Work

The total amount of your purchase is subtracted from your available credit on your card.

The total purchase amount is separated into equal monthly payments.

As long as you pay your Minimum Due on your monthly statement in full by the statement date, you'll enjoy NO FEE and NO INTEREST*.

Here's what your monthly payment might look like:

How do I take advantage of this offer?

In Store

Spend $200 or more on qualifying in- store purchases on your Triangle™ Mastercard^®, Triangle™ World Mastercard^® or Triangle™ World Elite Mastercard^®, and ask the cashier for financing.

Online

Spend $200 or more on qualifying online purchases on your Triangle™ Mastercard^®, Triangle™ World Mastercard^® or Triangle™ World Elite Mastercard^®, and select the Equal Payments option on the checkout page.

Don't have a card?

Apply^ƒ now and take advantage of this offer today!

*available by invite only

^ The monthly prices are shown for illustrative purposes only, and are based on 12 and 24 equal monthly payments. Applicable taxes and fees are not included.

Financing available is “Equal payments, no interest” for 12 months (unless otherwise stated) and is only available on request, on approved credit and on purchases of $200 or more (excluding gift cards) made with your Triangle Mastercard, Triangle World Mastercard and Triangle World Elite Mastercard at Canadian Tire, Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Mark’s/L’Équipeur and 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: Additional information for residents of Quebec only: The regular annual rate for persons applying for the Triangle Mastercard and Triangle World Elite Mastercard is 22.99% for cash transactions and related fees and 19.99% for all other charges. Some applicants may receive a higher or lower regular annual rate depending on a credit evaluation. For new applicants, the minimum payment prior to May 29, 2019 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 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 or Triangle World Elite 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:	$100	$500	$1000	$2000
Total monthly credit charges will be:	$1.64	$8.22	$16.43	$32.86

ƒAdditional Information for the Triangle Mastercard: 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

Other Fees: Cash Advance Fee: $4 — Charged when the transaction is posted to your account.

NSF/Dishonoured 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.

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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, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Mark’s/L’Equipeur and 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.com 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.

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 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 1%. For examples of qualifying grocery merchants, visit triangle.com/merchants. Annual spend is based on a calendar year of January 1 - December 31.

³ Benefit must be activated. Roadside Assistance is brought to you by Canadian Tire Services Limited. Visit here for details.

⁴ Certain merchants may have established a maximum dollar limit for a single transaction. For example, the limit at Canadian Tire stores is $100.

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.

⁶ 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®.

⁷ Rewards balance is as of the last time you signed in or refreshed this page.

◊ In the form of electronic Canadian Tire Money^® (CT Money^TM). Terms and conditions apply to collecting and redeeming. Visit ctfs.com/ctm for more information. 3% earn rate applies to the first $12,000 in annual grocery spend. Applies to purchases made at stores with Mastercard merchant code 5411. For examples of qualifying grocery merchants, visit ctfs.com/merchants

^‡ Your Membership begins twenty-four (24) hours after plan activation and is valid unless the Membership is cancelled in accordance with these Terms and Conditions.

^ƒ Information for the Triangle™ Mastercard^® or Triangle™ World Elite Mastercard^®:

Annual Interest Rate(s): 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%

Additional Information for the Triangle Mastercard: 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, 22.99% 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.

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: If you reside in a province other than Quebec, the Minimum Payment will be 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

(D) $10

Balances under $10 are due in full.

If you reside in the Province of Quebec, the Minimum Payment will be 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; plus

(B) any balance over your credit limit; plus

(D) the amount of any equal payments plan instalments then due.

Balances under $10 are due in full.

Foreign Currency 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 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.

Accrual of Interest: Interest accrues daily on each charge from the date of the transaction giving rise to the particular charge.

For residents of Quebec: The credit rates are the annual interest rates specified in the chart above.

Information effective as of June 13, 2019.

* Financing available is "Equal payments, no interest" for 12 months (unless otherwise stated) and is only available on request, on approved credit and on purchases of $200 or more (excluding gift cards) made with your Triangle™ Mastercard®, Triangle™ World Mastercard® and Triangle™ World Elite Mastercard®at Canadian Tire, Sport Chek, Atmosphere, participating Mark’s/L’Équipeur and Sports Experts stores and at Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey stores. 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 Triangle World Elite Mastercard is 22.99% for cash transactions and related fees and 19.99% 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 Triangle World Elite 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:	$100	$500	$1000	$2000
Total monthly credit charges will be:	$1.64	$8.22	$16.43	$32.86

^▲Participating locations only. For a full list visit ctfs.com/marksfinancingstores or see in-store for details.

° The Triangle Rewards Program is owned and operated by Canadian Tire Corporation. Terms and conditions apply visit triangle.com for details.

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

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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.

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

^®/TM Mark’s and L'Equipeur 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 and World Elite Mastercard are registered trademarks, and the circles design is a trademark, of Mastercard International Incorporated.

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

HUSKY, Husky House, myHusky.ca, myHusky Rewards are trade-marks owned or used under licence by Husky Oil Marketing Company, a Division of Husky Oil Operations Limited.