Benefits & Rewards

CAA® MasterCard®* Terms & Conditions

1CAA Dollars® are accumulated based on net eligible purchases on your CAA MasterCard. At the time of your membership renewal, CAA Dollars will be redeemed towards your membership dues. CAA Dollars have no cash surrender value and cannot be used to purchase CAA Green Power Battery products, Travel Money products, insurance products or pay for the CAA MasterCard annual fee. To earn and redeem CAA Dollars, you must be a CAA Member in good standing. A lapsed membership will result in forfeiture of any accumulated CAA Dollars. See CAA Dollars Terms and Conditions for full details.


2Bonus CAA Dollars will be credited to your CAA Dollar account 3-4 weeks after the first eligible purchase on your CAA MasterCard account. The first eligible purchase on your CAA MasterCard account must be completed by August 31, 2011.


3An annual $50,000 spend limit applies. See CAA MasterCard Credit Card CAA Dollar Terms and Conditions for full details.


4Benefits are underwritten by Chubb Insurance Company of Canada. Details of your coverage, including terms, conditions, limitations and exclusions are in the Certificate of Insurance provided with your Card.


5Benefits are underwritten by American Bankers Insurance Company of Florida and/or American Bankers Life Assurance Company of Florida, Assurant Solutions®◊ companies. Details of your coverage, including terms, conditions, limitations and exclusions are in the Certificate of Insurance provided with your Card.


6Benefits are underwritten by American Bankers Insurance Company of Florida and/or American Bankers Life Assurance Company of Florida, Assurant Solutions®◊ companies. Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided upon your enrolment.


CAA MasterCard Credit Cards provided by Bridgewater Bank


CAA MasterCard credit cards earn rebates in the form of CAA Dollars. The amount of the rebate is based on the type of card and is as follows:


CAA Premium MasterCard: 1.5% of net eligible purchases, plus an additional 1% of net eligible purchases made at a preferred partner participating in the Bridgewater Bank MasterCard Credit Card CAA Dollars rebate program (“Program”), to a maximum annual spend limit of $50,000. (“annual” means the 12 consecutive account statement (“Statement”) billing cycles, commencing with the billing cycle reflected in the Statement dated in February and ending with the billing cycle reflected in the Statement dated in the following January.)


CAA No Fee MasterCard: 1% of net eligible purchases, plus an additional 1% of net eligible purchases made at a preferred partner participating in the Program


CAA Low Rate MasterCard: 0.5% of net eligible purchases CAA Dollars are earned on net eligible purchases only.


CAA Dollars are not earned on cash advances, convenience/balance transfer cheques, payments & credits, interest, fees & other charges and cash-like transactions incurred on the account. CAA Dollars are not earned on any eligible purchases prohibited by the laws of Canada or any other country. From time to time, Bridgewater Bank may offer cardholders special promotions or additional opportunities to earn additional CAA Dollars. Cardholders will qualify to earn rebates as soon as their card is activated and eligible purchases made, unless the cardholder's account is not in good standing at the time of calculation, the cardholder's account has been suspended or terminated, the primary cardholder is not a permanent resident of Canada, or the primary cardholder does not have a CAA membership in good standing. CAA Dollars will appear on the same Statement as the net eligible purchases from which they were earned and will then be remitted to the cardholders CAA club for crediting by the club to the primary members membership account. The redemption of CAA Dollars from a CAA club membership account is governed by the rules, terms and conditions established by the club and are separate and distinct from the Program. CAA Dollars cannot be used as payment for any obligations owed on the credit card account. The Program is subject to change at any time and is governed by terms and conditions provided to the cardholder at the time of card issuance. The above description is a summary only as at the date of printing. Current and further details of the Program and the credit card itself are available at www.bridgewaterbank.ca.



® CAA, CAA logo and CAA Dollars trademark owned by, and use is granted by, the Canadian Automobile Association. Life-side Assistance is a registered trademark of CAA South Central Ontario.
®* MasterCard, Secure Code and PayPass™ are registered trademarks of MasterCard International Ltd and used pursuant to license.

† Bridgewater Bank is a Canadian Schedule I chartered Bank owned by a CAA affiliate and is a separate legal entity from CAA.

®◊ Assurant Solutions is a registered trademark of Assurant Inc.



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© 2014 CAA South Central Ontario. All rights reserved. Serving Members in Southern and Central Ontario.
® CAA, CAA logo and CAA Dollars trademarks owned by, and use is granted by, the Canadian Automobile Association. ™ CAA Rewards is used by the Canadian Automobile Association.