"What credit card earns the most at Canadian Tire?"

"The Canadian Tire Triangle World Elite Mastercard earns 4% in CT Money on Canadian Tire, Sport Chek, and partner store purchases, plus up to 10 cents per litre at Gas+ and Husky stations. For most Canadian Tire loyalists, it's the highest-earn option — and it carries no annual fee."

"Can I earn CT Money and credit card rewards at the same time?"

"Yes. If you use a non-Triangle credit card at Canadian Tire, you can still earn CT Money through your Triangle loyalty account — just swipe your Triangle card or app before paying with your credit card. This way, you earn both CT Money and credit card rewards on the same transaction."

"Does Costco compete with Canadian Tire for the same type of spending?"

"They overlap on tools, automotive, and seasonal items. Costco only accepts Mastercard in Canada; Canadian Tire accepts Visa, Mastercard, and Amex. If you shop both, a strong flat-rate Mastercard covers both stores well."

"Is CT Money worth more than cash back?"

"CT Money redeems at 1 CT Dollar = $1 at Canadian Tire, Sport Chek, and partner stores — making it effectively 1¢ per CT Dollar, same as 1% cash back. The 4% rate on Triangle cards is therefore like 4% cash back, but only redeemable at CT family stores. General cash back offers more flexibility."

"Does Canadian Tire accept American Express?"

"Yes — Canadian Tire locations accept American Express, Visa, and Mastercard. This means you can use the Amex Cobalt (which earns 1x MR on non-bonus categories) or any other Amex at Canadian Tire. The Cobalt earns 2x on transit/gas and 1x elsewhere, so it's not particularly optimised for CT purchases."

Best Credit Cards for Canadian Tire in Canada 2026

The Short Answer

The Canadian Tire Triangle World Elite Mastercard earns the most at Canadian Tire — 4% in CT Money on all Canadian Tire, Sport Chek, and affiliate purchases, plus up to 10¢/L at Gas+ and Husky stations. It has no annual fee.

If you prefer flexibility and cash back redeemable anywhere, a flat-rate or tiered cash back card paired with your Triangle loyalty account (for dual earning) is a strong alternative.

Card Options for Canadian Tire Shopping

Card	Annual Fee	Earn at Canadian Tire	Flexibility
Canadian Tire Triangle World Elite Mastercard	$0	4% CT Money	CT stores only
Canadian Tire Triangle Mastercard	$0	1.5% CT Money	CT stores only
MBNA Smart Cash World Elite Mastercard	$120	2% cash back (general purchases)	Anywhere
Rogers Red World Elite Mastercard	$0	1.5% cash back	Anywhere
Capital One Quicksilver Mastercard	$0	1.5% cash back	Anywhere
Tangerine Money-Back Card	$0	2% if home improvement chosen	Anywhere

The Triangle Cards: Co-Branded Canadian Tire Cards

Canadian Tire Triangle World Elite Mastercard

The flagship Canadian Tire card earns:

4% in CT Money on purchases at Canadian Tire, Sport Chek, Mark’s, Party City, L’Équipeur, and other Triangle partner stores
Up to 10¢/L in CT Money at Gas+ and Husky stations (tiered by monthly fuel volume)
1.5% in CT Money on groceries (excluding Walmart and Costco)
0.5% in CT Money on all other purchases

Annual fee: $0
Income requirement: $80,000 individual or $150,000 household

At $200/month in Canadian Tire spending, you’d earn $96/year in CT Money — entirely at no cost.

Canadian Tire Triangle Mastercard

The no-income-requirement version of the Triangle card:

1.5% in CT Money on Canadian Tire and partner store purchases
5¢/L in CT Money at Gas+ and Husky stations
0.5% in CT Money everywhere else

Annual fee: $0
No income requirement

The Triangle Mastercard is the fallback for applicants who don’t meet the World Elite income threshold ($80K/year). It earns a lower rate (1.5% vs. 4% in-store), but still more than a generic flat-rate card if you shop regularly at Canadian Tire.

The Dual Earning Strategy: Any Card + Triangle Loyalty

You do not have to use a Triangle Mastercard to earn CT Money. Canadian Tire runs a separate loyalty programme — you can earn CT Money with virtually any payment method by scanning your Triangle account before paying.

Example: Pay with Rogers Red World Elite Mastercard → earn 1.5% cash back → scan your Triangle card → also earn CT Money on the same transaction.

This dual-earning approach is most valuable when your existing credit card earns more than 1.5% elsewhere (e.g., MBNA Smart Cash earns 5% on groceries and gas — you’d lose that rate by switching everything to the Triangle card for the 0.5% non-bonus earn).

Recommended setup:

Use the Triangle World Elite for purchases at Canadian Tire stores and Gas+/Husky
Use your best everyday card (Rogers Red, Tangerine, MBNA Smart Cash) for everything else
Always scan your Triangle account regardless of which card you pay with

CT Money: Is It Worth It?

CT Money redeems at $1 CT Money = $1 at Canadian Tire family stores. It is not transferable to cash, other loyalty programmes, or non-CT retailers.

Earn Rate	Effective Value	Annual Earn on $200/month CT Spend
4% CT Money (Triangle World Elite)	4 cents per dollar	$96
1.5% CT Money (Triangle Mastercard)	1.5 cents per dollar	$36
1.5% cash back (Rogers Red, Quicksilver)	1.5 cents per dollar anywhere	$36
2% cash back (Tangerine — home improvement)	2 cents per dollar anywhere	$48

The Triangle World Elite’s 4% is the clear winner for Canadian Tire spending — as long as you actually shop enough at CT stores to redeem the CT Money you accumulate. If you rarely return to Canadian Tire, that unspent CT Money has no value outside the CT ecosystem.

What Canadian Tire Sells (and What Cards Work Best by Category)

Category at Canadian Tire	Best Card to Use
General CT merchandise (tools, home, auto)	Triangle World Elite (4%)
Fuel at Gas+ / Husky	Triangle World Elite (10¢/L)
Sporting goods at Sport Chek	Triangle World Elite (4%)
Groceries (Mark’s / affiliated stores)	Triangle World Elite (1.5%)
Online Canadian Tire purchases	Triangle World Elite (4%)
Canadian Tire purchases on a non-CT card	Rogers Red or Quicksilver (1.5%) + Triangle scan

Canadian Tire Accepts All Major Networks

Unlike Costco Canada (Mastercard only), Canadian Tire accepts Visa, Mastercard, and American Express in-store and online. This means you’re not restricted to a Mastercard if you prefer Visa or Amex.

However, the Triangle co-branded cards are Mastercard only — so the highest CT-specific earn rate (4%) requires a Mastercard.

Card details current as of June 2026. CT Money earn rates and Gas+ fuel savings subject to change — verify at canadiantire.ca before applying.