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OAC with a Yard Card Canada or Yard Card Canada Plus credit card account. A minimum purchase of $500 or more is required. No payments are required during the promotional period. Interest will not accrue during the promotional period. If during the promotional term you do not make a required monthly payment the Promotional Offer will terminate and the Preferred Rate of interest will apply. After the promotional term expires the remaining balance owed on the promotional purchase will then be charged interest at the Preferred Rate until the account balance is paid in full. The Preferred Rate of Interest is 28.9% per annum. For purchases $2,500 or greater a $100 fee applies to the Promotional Offer.