CTM coupons are now produced in denominations of 5-, 10-, 25 and 50 cents and one and two-dollars. In addition, Canadian Tire money can be earned electronically on Canadian Tire credit cards such as the Canadian Tire Options MasterCard. The latter can be used wherever MasterCard is accepted and earns Canadian Tire money no matter where it is used to make a purchase, anywhere in the world. CTM is treated as real currency by the franchise and cannot be directly exchanged for real Canadian currency for customers. If an item bought with Canadian Tire money is returned the customer receives either Canadian Tire money back or is given the amount on a gift card. If an item is bought with cash or card and is returned for a refund the customer receives the refund less the value of the CTM issued on the item unless the CTM is also returned.