RONAdvantages Program

Dream Project Dream Payments

The RONAdvantages Program will allow you to get an annual cash back, AIR MILES ^® Reward Miles, and take advantage of various financing options.

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Sign up offer Apply now and get 10% cash back in RONA gift card

Valid on your first transaction of $299 or more before taxes

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Annual cash back Get up to
5% cash back annually in rona gift card

All net transactions charged to the RONA card are eligible for cash back in gift card.

Cash back scale

$2,000 to $5,000 = 2%
$5,001 to $7,500 = 3%

$7,501 to $10,000 = 4%
$10,001 OR MORE = 5% (ANNUAL MAXIMUM AMOUNT: $1,000)

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At all times
Get up to 2x the AIR MILES Reward Miles

$20 = 1 mile $20 = 1 mile Learn more

There's more

No annual fees

Competitive annual
interest rate of 19.9%

Flexible
payments

Exclusive
for members

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Your project

Your budget

Instalments

Calculate

AIR MILES advantages

You get

Miles

upon presentation of your RONA and AIR MILES cards

Your instant ~ AIR MILES Cash exchange value on a next purchase could be: $0

conditions

Annual cash back

You get

$0*

Your annual
cash back in RONA gift card

The total value of your project, before taxes, charged to your RONA card would give you an annual cash back of: 0 %

conditions

Monthly instalments

You pay

$0,00

Pay in equal monthly instalments

The plan’s annual interest rate: %
Total credit cost: $

conditions

*Value is for information purposes only. The annual cash back value may vary at the time of purchase based on the applicable taxes.

Deferred payment plans

0 % interest

when you pay in

0% on purchases of $100 or more

0% on purchases of $300 or more

Multipurchase plan

get 2

months

interest free

Consolidate the transactions for your project into one financing plan. Take advantage of 2 months at 0% interest to accumulate all purchases and returns related to your project. At the end of this period, the total will be payable in equal monthly instalments.

4% for purchases totalling $2,500 or more

13,5% for purchases totalling less than $2,500

6% for purchases totalling $2,500 or more

13,5% for purchases totalling less than $2,500

Equal instalments plan

up to 60 equal monthly instalments

Applicable on transactions of $1,500 and more. Choose between 48 and 60 instalments.

8,9% interest for purchases of $1,500 or more

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Apply now for the RONAdvantages card

When you apply online, by mail or by fax, you can start making purchases only when you receive your RONA credit card and get your 10% cash back on your first transaction.

When you apply in-store, you can make purchases the same day you apply.

Apply online Apply online Apply by mail or fax

Here is a simple explanation of your statement

If you have questions, please call Desjardins cards Customer Services at 1-800-363-3380.

Making a payment or a principal payment
Account payment options
Types of financing plans

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Only one card for your purchases

The RONA card is accepted at all participating RONA, L’Entrepôt RONA, Home & Garden RONA, RÉNO-DÉPÔT stores and all other participating banners.

~AIR MILES ^® cash is offered at participating RONA stores and other AIR MILES Sponsors. Redeem AIR MILES reward miles in the Cash balance of your AIR MILES Collector Account in increments of 95 reward miles for $10 off your purchases to a maximum of $200 per day. All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. For complete details, visit airmiles.ca. ®™Trademarks of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Co. and RONA Inc.

1.Terms and conditions of the RONAdvantages Program and the RONA card

To enjoy the benefits of the RONAdvantages program (hereinafter called the “Program”), you must be a resident of Canada and have a RONA private-label credit card (hereinafter called the “RONA card”). All RONA card applications are subject to the Fédération des caisses Desjardins du Québec ("the Fédération") approval. Certain conditions apply. Cardholders must refer to the variable credit agreement (VCA) for all other terms of credit.

This card is accepted at participating RONA, L’Entrepôt RONA, Home & Garden by RONA and Réno-Dépôt, as well as at other participating RONA Inc. (hereinafter called “RONA”) banners. The complete list of participating retailers is available at ronavdantages.ca.

The Program is open exclusively to individual consumers; corporations and other organizations are not eligible. With the exception of the AIR MILES ^® program, a RONA card cardholder may not combine Program offers with any other existing program, including but not limited to: an available volume discount* or rebate program*, or a commercial agreement*, whether or not linked to a charge account at a particular store.

* Including commercial and individual discount price lists offered by a merchant.

2.Benefits and features of the RONAdvantages Program

2.1.AIR MILES ^® advantage
- A.1 AIR MILES reward mile for every $20 in monthly purchases
  
  RONA card cardholders receive 1 AIR MILES reward mile for every $20 in purchases before taxes charged to their RONA card, according to their billing cycle. The number of AIR MILES reward miles awarded is rounded down to the next whole number; fractions of reward miles are not awarded. AIR MILES reward miles are awarded on all transactions made with the RONA card (sales minus returns) at participating stores. Interest charges and other fees are excluded from the calculation of AIR MILES reward miles. AIR MILES reward miles are transferred to the collector’s AIR MILES account up to thirty (30) days following the issuance of the collector’s RONA account statement.
  
  To receive AIR MILES reward miles, the cardholder must provide his/her AIR MILES collector number in the appropriate space on the RONA credit card application form. RONA card cardholders who do not have an AIR MILES Collector Card must request one online at www.airmiles.ca. RONA card cardholders must then provide Desjardins Card Services with their AIR MILES collector number by calling 1-800-363-3380. AIR MILES reward miles begin accumulating from the date on which Desjardins Card Services receives the RONA cardholder’s AIR MILES collector number. The retroactive issuance of AIR MILES reward miles is not authorized nor granted. This offer may be modified or cancelled without notice.
  
  To receive up to 2x the AIR MILES reward miles, RONA card cardholders must pay for their transactions using the RONA card and present their AIR MILES Collector Card at the same time. The standard base AIR MILES offer at RONA, L’Entrepôt RONA and Home & Garden by RONA is: one (1) AIR MILES reward mile for every $20 purchases before taxes and excluding the purchase of gift cards.
  
  Bonus mile offers apply only upon presentation of the AIR MILES Collector Card and do not apply to the RONA card, with the exception of AIR MILES promotional offers linked to use of the RONA card which may be in effect from time to time.
  
  If AIR MILES bonus miles are issued through a promotion linked to the use of the RONA card, they will be issued only in respect of the offer’s conditions.
- B.Modifications
  
  RONA reserves the right to change, suspend or cancel the benefits described herein, in part or in whole, at any time, with or without notice to the cardholder and as provided by law.
2.2.Cash back in the form of RONA gift cards advantage
- A.Annual RONA cash back calculation in the form of RONA gift cards
  
  RONA card cardholders can obtain from RONA up to 5% cash back annually in the form of RONA gift cards. The amount of the annual cash back in the form of RONA gift cards is determined as a percentage ranging between 2% and 5% according to the rebate scale shown below. All transactions charged to the regular limit, as well as those charged to the Desjardins Accord D financing limit for the RONA card, are included in cash back calculation. Transactions charged through the RONA card: taxes, interest charges and other fees are excluded from the calculation. To be eligible for the rebate, the value of the annual purchase transactions posted to the RONA card, less the value of the annual return transactions posted to the card, must exceed $2,000, in which case an annual cash back rebate percentage will be determined as per the rebate scheme below.
  
  The annual limit for cash back in the form of RONA gift cards is $1,000.
  
  Detailed cash back scale based on annual purchases before taxes:
  
  $2 000,00 to $4 999,99
  
  2%
  
  $5 000,00 to $7 499,99
  
  3%
  
  $7 500,00 to $9 999,99
  
  4%
  
  $10 000,00 or more
  
  5% (max. $1 000 )
  - The cash back in the form of RONA gift cards is calculated on the anniversary of the RONA card’s issuance date and is rounded up to the nearest whole number.
  - RONA gift cards are sent by registered mail no later than sixty (60) days after the RONA card’s anniversary date.
  - For a cardholder to be entitled to this benefit, his or her RONA card account must be open and in good standing at the moment the gift cards, if any, are issued.
  Annual cash back examples
  Example 1
  
  Total of all transactions (before taxes) charged to the Accord D Desjardins financing limit
  
  $350
  
  Regular purchases (before taxes) charged to the card
  
  $100
  
  Merchandise returns (before taxes) charged to the card
  
  - $25
  
  Total value of all transactions (before taxes)
  
  $425
  
  Aucune remise ne sera accordée car le minimum requis de 2 000 $ n’a pas été atteint.
  
  Example 2
  
  Total value of all transactions (before taxes) charged to the Accord D Desjardins financing limit
  
  $5 000
  
  Regular purchases (before taxes) charged to the card
  
  $1 500
  
  Merchandise returns (before taxes) charged to the card
  
  - $100
  
  Total value of all transactions (before taxes)
  
  $6 400
  
  Cash back percentage reached
  
  3%
  
  Value of the cash back in the form of RONA gift cards
  
  $192
  
  Example 3
  
  Total value of all transactions (before taxes) charged to the Accord D Desjardins financing limit
  
  $23 000
  
  Regular purchases (before taxes) charged to the card
  
  $4 500
  
  Merchandise returns (before taxes) charged to the card
  
  - $500
  
  Total value of all transactions (before taxes)
  
  $27 000
  
  Cash back percentage reached
  
  5 % ou maximum de $1 000
  
  Value of the cash back in the form of RONA gift cards
  
  $1 000
- B.Verifying the cumulative transaction value
  
  Cardholders are responsible for verifying every account statement they receive. They must advise the Federation of any error or omission on their account statement.
  
  RONA reserves the right to ask the cardholder to provide copies of invoices for transactions posted to his or her RONA account in order to calculate the annual cash back in the form of RONA gift cards. RONA shall not be held accountable, and will not accept liability, in case of any error on the part of the Federation.
  
  Cardholders who believe that they have not received the correct annual cash back amount in the form of RONA gift cards must provide proof, in writing and with the supporting documents (sales receipts), to the following address:
  
  RONA Inc.
  Attention: Marketing Department - RONAdvantages
  220 Chemin du Tremblay
  Boucherville QC J4B 8H7
- C.Expiry of RONA gift cards
  
  RONA gift cards issued as part of the Program have no expiry date. The RONA gift cards are deemed to be active from the moment they are sent by registered mail or delivered directly to the RONA cardholder in any other manner. The RONA cardholder must accept the RONA gift card’s terms and conditions as stated on the back of each card.
- D.Modifications
  
  RONA reserves the right to change, suspend or cancel the benefits described herein, in part or in whole, at any time with or without notice to the cardholder and as provided by law.

2.3.Flexible payment options benefits

At all times, to benefit from one of the payment options described below, the cardholder must request it from the merchant at the time of the transaction.

Eligibility to these payment options is, at all times, subject to the Federation approval. Interest rates are subject to change.

The financing options offered by RONA cannot be used for the purchase of RONA gift cards. The financing program does not apply to online purchases.

A.Deferred payment interest-free

- Pay in three (3) months interest-free, minimum $100 purchase before taxes
- Pay in six (6) months interest-free, minimum $300 purchase before taxes

A participating retailer may, at its sole discretion, ask the cardholder to pay the taxes at the time of the transaction, in which case they will be charged to the regular limit of the RONA card cardholder.

If the financed amount is not paid in full by the payment deadline, it will be converted into financing payable in equal monthly instalments bearing interest at an annual rate of 24,9%, as per the table below:

Balance at the due date	Number of equal monthly instalments
Less than $1 000,00	12
$1 000,00 – $2 999,99	24
$3 000,00 or more	36

EXAMPLES OF INTEREST CHARGES
	ANNUAL COST		COST FOR 30 DAYS
ANNUAL INTEREST RATE	Average daily balance		Average daily balance
ANNUAL INTEREST RATE	$100	$500	$100	$500
19.9%	$19,90	$99,50	$1,64	$8,18
21.9%	$21,90	$109,50	$1,80	$9,00

The annual interest rate may apply to regular purchases, equal payment financing, deferred payment financing, deferred equal payment financing or multiple purchases by equal payment financing.

B.Multiple-purchase plan

The "Multiple purchases through equal payments" offer or "Multi-purchase Plan" allows the customer to make multiple purchases over a period of two (2) months ("the deferral period") for a specific project, without making any payment nor incurring interest during this period. At the end of the deferral period, the balance of the multiple purchases is payable in twenty-four (24) or thirty-six (36) equal and consecutive monthly instalments, accordingly to the plan registered during the deferral period, at an annual interest of 13.5% if the balance is less than $2,500 or, if the balance is equal to or greater than $2,500, at an annual interest rate of 4% (for transactions posted to the account with the twenty-four (24) instalments plan during the deferral period) or at 6% (for transactions posted to the account with the thirty-six (36) instalments plan during the deferral period). Equal monthly instalments are included in the minimum payment due on the card.

The table below illustrates the payment terms

Balance of the multiple purchases at the end of the deferral period	Annual interest rate	Number of Instalments	E.g. project value	Monthly payments	Total credit cost
Balance less than $2,500	13,5%	24	1 500 $	71,67 $	219,97 $
Balance equal to or greater than $2,500	4%	24	2 500 $	108,56 $	105,50 $
Balance less than $2,500	13,5%	36	1 500 $	50,90 $	332,51 $
Balance equal to or greater than $2,500	6%	36	2 500$	76,05 $	237,97 $

Example of the applicable interest rate if payment is not made when due:

EXAMPLES OF INTEREST CHARGES
	ANNUAL COST		COST FOR 30 DAYS
ANNUAL INTEREST RATE	Average daily balance		Average daily balance
ANNUAL INTEREST RATE	$100	$500	$100	$500
19.9%	$19,90	$99,50	$1,64	$8,18
21.9%	$21,90	$109,50	$1,80	$9,00

The annual interest rate may apply to regular purchases, equal payment financing, deferred payment financing, deferred equal payment financing or multiple purchases by equal payment financing.

C.Equal montly instalement starting at 8.9% interest rate

Minimum purchase: $1,500. The "Equal Monthly Payments with interest" offer allows the customer to pay for purchases through equal and consecutive monthly instalments. The annual interest rate of 8.9% set at the time of purchase applies to such purchases. Equal and consecutive monthly payments are included in the minimum payment due on the credit card.
D.Promotional plans

Other promotional, interest-free financing plans may be offered now and then and will apply for a limited time and with certain conditions.

For example, a pay interest-free equal monthly payments plan. See below conditions applicable on these financing offers.

Cannot be combined with any other promotional offer, nor with the RONA credit card sign-up offer.

The "Interest-free equal monthly payments" offer allows the customer to pay for purchases through equal and consecutive monthly instalments with no interest. Equal monthly payments are included in the minimum payment due on the RONA credit card.
E.Other conditions applicable to flexible payment options:

If the minimum payment due is not paid in full by the due date, the annual interest rate of not more than 19.9% on the RONA card applies to the unpaid equal monthly instalment, including monthly instalment. There is a twenty-one (21) day, interest-free grace period on the RONA card from the date the monthly statement is mailed or from the date it is made available in electronic format to settle the account without paying interests. Minimum card payment is 5% of the total on: (i) the balance shown on the account statement for the previous period; (ii) interests on purchases and monthly instalments that have not been paid on the due date for the previous period; (iii) regular purchases during the statement period; (iv) monthly instalment(s) relative to Multiple purchases through equal payment or Multi-Purchase Plan for the statement period; (v) deferred payment purchases due on the statement date; and (vi) past due amounts and any other amount set out in the card contract. Other conditions can be applied, refer to the VCA of the RONA card.
F.Modifications

RONA reserves the right to change, suspend or cancel the flexible payment options described herein, in part or in whole, at any time with or without notice to the cardholder and as provided by law.

3.Other features of the RONA card :
- Two distinct credit limits: one for regular purchases and one Desjardins Accord D limit that entitles the cardholder to obtain financing at participating stores for the purchase of goods and services.
- No annual fee
- No-fee supplementary cards
- Exclusive offers with each monthly statement.
- Annual interest rate of 19.9% on the RONA card. Interest rates are subject to change.
- RONA card account balances can be paid at most financial institutions and participating stores.
4.Other terms:

RONA reserves the right to change, suspend or cancel the RONAdvantages Program, in part or in whole, at any time with or without notice and as provided by law. Aspects affected by the change may include the AIR MILES reward mile offer linked to the RONA credit card, the value of the annual cash back in the form of RONA gift cards, or the scale used to calculate the cash back. AIR MILES reward miles and cash back in the form of RONA gift cards may not be transferred to another person. RONA, after enquiry, reserves the right to reclaim previously issued AIR MILES and/or cash back in the form of RONA gift cards to the cardholder in the event that the cardholder, with respect to the Program: fails to honour its terms and conditions; commits fraud or makes false or misleading statements; or otherwise misuses the Program. The RONA card cannot be used to pay, in part or in whole, the balance of a charge account held with a participating store. RONA is solely responsible for administering the Program. By taking part in the Program, the cardholder agrees to compensate, indemnify and hold harmless RONA Inc., its subsidiaries and all merchants of the RONA network with respect to any loss or damages that may be incurred by the cardholder while taking part in the Program, including but not limited to any litigation respecting the cardholder’s AIR MILES reward miles balance and the value of the cash back in the form of RONA gift cards. The collection, use and disclosure of personal information is governed by the privacy policy published and made available on rona.ca, and in accordance with the consent clause included on the RONA credit card application and the relevant terms and conditions of the VCA. The Program is subject to the applicable laws and bylaws of both the province of Quebec and of Canada.

The Federation shall not be held accountable in the event that a merchant refuses to accept the RONA card. The Federation is not responsible for managing the program.

The RONA card is the property of the Federation, which reserves the right to withdraw or have withdrawn and terminate, in part or in whole, one or more of the services it offers, without notice to the cardholder. In none of the above cases shall the Federation’s liability be called into question. RONA shall not be held liable for any decision on the part of the Federation in this respect.
RONAdvantages sign up offer

Eligibility subject to Fédération des caisses Desjardins du Québec approval.
In-store sign up :
Offer available only on a new RONA credit card in-store application. The discount is valid on the first in-store purchase, made with any financing plan offer, the day of the application. The discount offer is valid on any merchandise purchase of $299 and more before taxes, on the same invoice.
Online sign up :
The offer is valid on a transaction of $299 or more including taxes, charged to the RONA credit card. Offer valid upon presentation of the coupon mailed with your new RONA credit card. The coupon will be valid for 60 days following the account opening date.
Other conditions :
± Eligibility subject to Fédération des caisses Desjardins du Québec (« the Federation ») approval. Certain conditions apply. Offer valid on a new RONA credit card in-store application made at participating store. The cash back in RONA gift card is valid on the first in-store purchase of $299 or more before taxes, charged to the account, the same day you apply. Maximum cash back: $500. Offer applicable on merchandise sold at regular price, on rebate and on special order but some categories could be excluded(ask at your participating store for details regarding these excluded categories – such exclusions may vary depending on the currently effective offer). Offer does not apply to (i) costs of services offered in store such as installation, delivery, rentals, cut services, etc. and (ii) purchase of gift cards, previous purchases, layaways, in-store accounts or clients holding specific contractual agreement. The amount received in a Réno-Dépôt gift card is applicable on a next purchase only and the use of this Gift Card shall mean the acceptance of the terms and conditions written on the back of the card. RONAdvantages is addressed to the consumer only. Cannot be combined with any other promotional offer. This offer may end or may be changed without notice. Terms and conditions available in store or on www.ronavantages.ca