Credit Cards Credit Card Reviews

A Review & Comparison Of Canadian Tire’s Triangle Mastercards

Last updated on May 4, 2020

Canadian Tire offers their Triangle line of Mastercards at no annual fee. Their cards are suited for people who want rewards back in Canadian Tire Money.

Canadian Tire Money can be earned and redeemed at more stores than just Canadian Tire.

Participating retailers include: Canadian Tire, Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Mark’s/L’Équipeur and Sports Experts stores.

There are 3 different variations of their Triangle credit card.

Canadian Tire Triangle Mastercard

Apply Now

on Canadian Tire’s website

Welcome Offer: No welcome bonus for this card.

Earn Rate: 4% back in Canadian Tire Money at particiating retailers. $0.05 back per litre in CT Money on all fuel types at Gas+ and participating Husky stations.

Annual Fees: $0

Min. Income Required: $0

Canadian Tire Triangle World Mastercard

Apply Now

on Canadian Tire’s website

Welcome Offer: No welcome bonus for this card.

Earn Rate: 4% back in Canadian Tire Money at particiating retailers. $0.05 – $0.07 back per litre in CT Money on all fuel types at Gas+ and participating Husky stations.

Annual Fees: $0

Min. Income Required: $0

Canadian Tire Triangle World Elite Mastercard

Apply Now

on Canadian Tire’s website

Welcome Offer: No welcome bonus for this card.

Earn Rate: 3% back on groceries up to $12,000/year (excluding Costco and Walmart). 4% back in Canadian Tire Money at particiating retailers. $0.05 – $0.07 back per litre in CT Money on all fuel types at Gas+ and participating Husky stations.

Annual Fees: $0

Min. Income Required: Personal $80,000

What’s the difference? Which one should you choose?

All 3 Triangle cards have no annual fees and have similar rewards and perks.

Canadian Tire’s stock credit card is the Triangle Mastercard. The next tier up is the Triangle World Mastercard. This card gives you a slightly higher rewards rate, but it is an invite-only card. You can only get the card if you’re invited to become a member. Receiving an invite is dependant on your membership loyalty and/or spending history.

Lastly, the highest tier card, the Triangle World Elite Mastercard is available to anyone but it has an income requirement of $80,000. This card has a similar earn rate as the World Mastercard, but it also offers cash back for groceries, and more perks like 24/7 concierge services, and roadside assistance.

Canadian Tire Money Rewards Program

Canadian Tire Money is the rewards currency for Canadian Tire, which can be redeemed online or in-store for Canadian Tire merchandise. Earn CT Money rewards by using your card for everyday purchases and redeem your rewards for cash at any Triangle Rewards stores and other participating retailers.

  • Earn 4% rewards at Triangle Rewards stores
  • Earn 0.8% on all other purchases
  • Earn 5¢ per litre in CT Money at Gas+ and other participating Husky stations
  • Get No Fee, No Interest 24-month financing at Triangle Rewards stores
  • Redeem CT Money at Canadian Tire, Sport Chek, Mark’s Work Warehouse/L’Equipeur, Atmosphere, Sports Rousseau, and other retailers
  • No annual fee, no additional card fee, and no limit on cash back

On top of the solid CT Money earning potential, here are some of the other benefits included with Canadian Tire’s credit cards:

  • Tap & Go Easy Checkout
  • Exclusive Personalized Offers
  • Access to Member-Only Events
  • Cash Advances
  • No Annual Fee
  • No Fee for Additional Cards
  • Online Account Access & Management
  • eStatement Billing and Notification
  • Award Winning 24/7 Card Member Support

Although Canadian Tire offers no welcome rewards, it does offer great CT rewards and the money-saving advantage of no interest financing at Triangle Stores.

With a host of other benefits, including no annual fee for the primary card or supplementary cards, no rewards limit, and all three cards giving you 4% back in rewards for purchases at the Canadian Tire stores, their cards are ideal for tire store patrons who also want to earn extra CT Money rewards on everyday purchases.

Join The Newsletter

Get the best rates. Get the latest news and offers.