*O.A.C. Subject to terms of the Flexiti cardholder agreement. Available plans depend on merchant and in-store or online shopping. Minimum purchase varies depending on the merchant. For no payments deferred plans, no payments are required during the promo period, except for payment protection insurance premiums and taxes, if applicable, which are billed monthly. Interest at the cardholder agreement annual interest rate (Account AIR) accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date. For equal monthly payment plans, your purchase is to be paid in equal monthly payments of principal and interest, plus payment protection insurance premiums and taxes, if applicable. If any payment is missed, the promotional offer may be cancelled and upon cancellation, interest will be calculated at the cardholder agreement annual interest rate (Account AIR). Initial Account AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application. Current Account AIRs are 30.99%, 35% (max for Quebec residents), and 37.99%. Any balance at the end of the promo period bears interest at the Account AIR. Admin fees may apply depending on the merchant and will be financed with purchase; fee amounts are based on purchase amount and promo term length (excluding Quebec residents). Annual fee of $39.99 applies for residents of Quebec and $24.99 may apply for residents of other provinces. No payments deferred plans are not available for Quebec residents, however, other deferred interest promos are available. Conditional upon ID and on approved credit and valid email address required. Applications may be subject to a secondary, manual review. Promos and terms may be changed without notice. Financing provided by Flexiti Financial. Flexiti, FlexitiCard, and Flexiti Financial are trademarks of Flexiti Financial Inc.