Who approves and issues Circle K branded credit cards?

According to the 2025 Circle K Franchise Disclosure Document, TMC Franchise Corporation (or its designee) handles the approval and issuance of Circle K branded credit cards. Franchisees are required to forward all customer applications for Circle K credit cards to TMC for this approval and issuance process. This means the franchisee plays a role in collecting applications, but the decision to approve and issue the cards rests solely with TMC or an entity they designate.

This process ensures that Circle K maintains control over its branded credit card program. By centralizing the approval and issuance, Circle K can manage risk, maintain brand consistency, and ensure compliance with relevant regulations. Franchisees must adhere to this process and cannot independently approve or issue Circle K credit cards.

For a prospective franchisee, this means they will need to integrate TMC's credit card program into their business operations. This includes using approved credit card processing equipment and following TMC's guidelines for handling credit card transactions. The franchisee's participation in the credit card program is contingent upon adhering to the terms and conditions set by TMC, and any termination of the franchise agreement automatically terminates the franchisee's rights regarding the Credit Card Program.