Have more questions? Call us.

Credit Card Customer Service

1-800-459-6415 (within North America)

905-735-7256 (from overseas)

 Lost or stolen card?

Call us 24 hours a day at 1-800-961-1151.

 Credit Protector® Claims

1 800 480 1853

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Help me with…

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 1-905-735-7526. 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?


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.

When is my payment due?

Your payment due date is indicated on your monthly statement. 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.

I have just made a payment to my Canadian Tire credit card. Why is the payment not reflected in my credit card balance? 

The time it takes for a payment to show up on your account differs depending on your method of payment. In general, Canadian Tire store payments will take up to two business days to post to your account. Online Banking payments take up to three business days and mailed payments could take up to two weeks from the time you mail your cheque.

What is a disputed transaction?

It's a posted account transaction that you do not agree with. A disputed transaction can be any of the following:

  • Unauthorized transactions
  • Charges for goods and/or services not received
  • Charges for goods returned where a credit has not been processed by the merchant
  • Duplicate charges
  • Charges processed for the wrong amount

How do I dispute a transaction on my account?

Simply call toll-free 1-800-459-6415. A Customer Service Representative will be happy to help you enter a dispute on your account.

How can I pay my credit card bill?

At a Canadian Tire store: Present your Canadian Tire Bank issued credit card at the Customer Service desk of any Canadian Tire store to pay by cash, debit or cheque.

At a bank: You can pay at most financial institutions across Canada.

By mail: Send your cheque using the envelope enclosed with your monthly statement to:

Canadian Tire Bank

P.O. Box 4653

Station A, Toronto, ON

M5W 5G4.

Online: You can pay from most financial institutions’ online banking service

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 or call to apply 1-800-961-1151 (excluding Quebec, Quebec customers please apply in store or online).

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.

How do I report a fraudulent email message?

Canadian Tire Bank (CTB) does not, and will not, send you emails asking you for information or details around your online banking information. Never give out your online banking customer number or password in response to an email.

If you have given us your email address, and you have opted into receiving promotional emails, you may sometimes receive email from us that will inform you about Canadian Tire products or promotions. These emails will never ask you to give us personal information related to online banking.

If you have received an email that appears to be from Canadian Tire Bank asking you for online banking details, please do not click on any links or reply to the email. Instead, call us immediately at 1-800-459-6415.

How can I help keep myself safe online?

Canadian Tire Bank highly recommends that you always perform all recommended updates from your web browser and operating system. Keeping up to date with the most current security standards will help support the security of your computer and personal data. 

What security measures does Canadian Tire Bank use to protect my privacy?

Canadian Tire Bank knows that you are concerned about the privacy and security of your personal information. We collect only the personal information that is necessary to process your applications or enrolments. To provide you with a safe and secure online experience, we use highest level of security available. To optimize the benefits of this encryption, it is best if you manage your online account using browsers that support this level of security. The most common of these browsers are Internet Explorer 9.0 or higher, Google Chrome or Mozilla FireFox.

Power of Attorneys (POAs) and Joint Deposit Accounts (JDAs)

Commitment on Powers of Attorney and Joint Deposit Accounts is a commitment by banks to make information about Powers of Attorney (“POAs”) available to customers who want to give someone they appoint (“Attorney”) the authority to do banking on their behalf. The Commitment also sets out information that the banks will make available to their customers about joint deposit accounts (“JDAs”). For more information on this Commitment, please visit the Canadian Bankers Association website.

CTB cannot provide legal advice to customers about POAs or JDAs.

Does Canadian Tire Bank (CTB) offer its own standard POA template?

No, CTB does not offer its own standard POA template. CTB will accept a valid POA if it complies with the statutory requirements of the province/territory where it was executed. Please note CTB will only accept an original or notarized copy of a POA. A photocopy, facsimile or scanned copy of a POA will not be accepted.

In order to comply with customer identification requirements, CTB requires the appointed Attorney to complete an attestation form in the presence of a guarantor.

Where can I obtain more information on the benefits and risks associated with POAs and JDAs?

To find out more on the benefits and risks associated with POAs and JDAs, please visit the following link produced by the Federal/Provincial/Territorial Ministers Responsible for Seniors: "What every older Canadian should know about Powers of Attorney (for financial matters and property) and Joint Bank Accounts”.

What are CTB’s minimum requirements for a POA?

CTB will only accept an original or notarized copy of a POA. CTB will not accept a photocopy, facsimile or scanned copy of a POA.

In order to comply with customer identification requirements  CTB requires the appointed Attorney to complete an attestation form in the presence of a guarantor.

Please mail the original or notarized copy of the POA, together with the completed and signed attestation form to CTB at the following address:

PO Box 2000, Station Main
Welland, ON
L3B 5S3

How long will it take for CTB to review a POA?

Once CTB receives a POA, CTB will review it to ensure it:

1)     complies with the statutory requirements of the province/territory where it was executed;

2)     is an original or notarized copy; and

3)     it is accompanied by a completed and signed attestation form that meets identification and guarantor requirements.

If further information is required, CTB will contact the customer and/or appointed Attorney and advise what additional information is required.

CTB aims to review all POAs within approximately thirty (30) business days; however in some situations a further review may be required. If there are any delays in the review, CTB will inform the customer and/or appointed Attorney and advise of the expected timeframe as to when the review will be completed.

Please note CTB reserves the right at its discretion to not accept  a POA or an appointed Attorney’s instructions.

If I have any questions or concerns who do I contact?

If you have any questions, please do not hesitate to contact us at 1-800-459-6415.
If you have any concerns or would like to make a complaint, we encourage you follow CTB’s Complaint Resolution Process.

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.