The Canadian Tire Triangle Mastercard is a no-annual-fee store-affiliated Mastercard that earns CT Money (Canadian Tire’s loyalty currency) on all purchases — with the highest earn rates at Canadian Tire stores, Canadian Tire Gas+ stations, Sport Chek, and Mark’s. CT Money is a statement credit redeemable at Canadian Tire family stores, making the card most valuable for Canadians who regularly shop in the Canadian Tire ecosystem.
Quick Verdict
Best for: Regular Canadian Tire, Sport Chek, and Mark’s shoppers who want to earn CT Money on everyday spending (not just in-store) without paying an annual fee.
Not ideal for: Those who rarely shop at Canadian Tire stores — CT Money’s restricted redemption universe makes it less useful than a general cash back card for non-Triangle shoppers.
Key Card Details
| Feature | Detail |
|---|---|
| Annual fee | $0 |
| Additional cardholder fee | Verify at canadiantire.ca/triangle |
| Purchase interest rate | Verify at canadiantire.ca/triangle |
| Cash advance rate | Verify at canadiantire.ca/triangle |
| Foreign transaction fee | 2.5% (typical) — verify at canadiantire.ca/triangle |
| Income requirement | None stated (standard Mastercard) |
| Network | Mastercard |
| Rewards | CT Money (Canadian Tire store credit) |
| Welcome bonus | Verify current offer at canadiantire.ca/triangle |
Card terms, CT Money earn rates, and all features are subject to change. Verify all current details at canadiantire.ca/triangle before applying.
Understanding CT Money
CT Money is Canadian Tire’s loyalty currency — distinct from cash or general-purpose points:
What CT Money is
- A store credit earned on eligible purchases, redeemable at Canadian Tire, Sport Chek, Mark’s, Canadian Tire Gas+, and other Triangle partner retailers
- Earned as a percentage of eligible purchase values (e.g., 4¢ per $1 = 4% earn rate)
What CT Money is NOT
- Cash: CT Money cannot be deposited or withdrawn as cash
- General-purpose: CT Money cannot be used at non-Triangle merchants
- Transferable: Cannot be gifted or transferred to other loyalty programmes
CT Money value: it’s store credit
If you spend $2,000/year at Canadian Tire and earn $80 in CT Money, that $80 is only useful if you continue shopping at Canadian Tire. The “value” of CT Money is 1:1 with Canadian dollars only when redeemed — but only within the Canadian Tire ecosystem.
Earn Rates
Verify all current CT Money earn rates at canadiantire.ca/triangle — these change with program updates and promotions.
| Store / Category | CT Money Earn Rate |
|---|---|
| Canadian Tire stores | Elevated rate — verify at canadiantire.ca/triangle |
| Canadian Tire Gas+ | Elevated rate — verify at canadiantire.ca/triangle |
| Sport Chek | Elevated rate — verify at canadiantire.ca/triangle |
| Mark’s | Elevated rate — verify at canadiantire.ca/triangle |
| Grocery stores | Verify at canadiantire.ca/triangle |
| All other purchases | Base rate — verify at canadiantire.ca/triangle |
Annual CT Money estimate
At an illustrative base rate of $0.005 per $1 (0.5%) on $2,000/month non-Triangle spending:
- Annual non-Triangle spending: $24,000
- CT Money earned: $120 (redeemable only at Triangle stores)
Plus additional CT Money earned at Canadian Tire, Sport Chek, and Mark’s at elevated rates.
This is illustrative. Verify actual earn rates at canadiantire.ca/triangle.
Triangle Programme: The Broader Ecosystem
The Triangle Mastercard is tied to the Triangle loyalty program, which includes:
- Bonus CT Money events: Canadian Tire frequently runs promotions offering 10x, 20x, or even higher CT Money bonuses on specific products or categories during sales events — often the most valuable time to use the card in-store
- Digital receipts: Canadian Tire tracks purchases and CT Money digitally through the Triangle app
- Bonus offers: Personalized offers in the Triangle app can significantly boost CT Money earning in specific categories
Note: During Canadian Tire bonus events, the CT Money earn rates can be significantly higher than everyday rates — regular Canadian Tire shoppers who plan purchases around these events can accumulate CT Money quickly.
Fees and Rates
| Fee | Amount |
|---|---|
| Annual fee | $0 |
| Purchase interest rate | Verify at canadiantire.ca/triangle |
| Cash advance rate | Verify at canadiantire.ca/triangle |
| Foreign transaction fee | Verify at canadiantire.ca/triangle (typically 2.5%) |
Triangle Mastercard vs. Triangle World Elite Mastercard
| Feature | Triangle Mastercard | Triangle World Elite Mastercard |
|---|---|---|
| Annual fee | $0 | $0 |
| CT Money on Canadian Tire | Elevated | Higher elevated rate |
| CT Money on grocery | Verify | Higher rate |
| World Elite benefits | No | Yes (travel insurance, Concierge) |
| Income requirement | None | $80,000 / $150,000 HH |
If you qualify for the World Elite and shop heavily at Canadian Tire and grocery stores, the World Elite delivers meaningfully more CT Money at the same $0 annual fee. Apply for the World Elite first if you meet the income threshold.
Triangle Mastercard vs. General No-Fee Cash Back Cards
| Card | Annual Fee | Earn Rate | Redemption |
|---|---|---|---|
| Triangle Mastercard | $0 | CT Money (restricted to Triangle stores) | Canadian Tire ecosystem only |
| Rogers Red Mastercard | $0 | 1.5% cash back on all | Any purchase (statement credit) |
| Tangerine Money-Back | $0 | 2% on 2–3 categories | Any purchase (statement credit) |
| Amex SimplyCash | $0 | 1.25% on all | Statement credit on any purchase |
| BMO CashBack Mastercard | $0 | 3% on grocery, 1% other | Statement credit |
The comparison makes clear: if you shop at Canadian Tire frequently, the Triangle Mastercard earns well in those stores. If you don’t, a general cash back card delivers broader-utility rewards.
Who Is the Canadian Tire Triangle Mastercard Best For?
Ideal cardholders:
- Canadians who regularly shop at Canadian Tire, Sport Chek, Mark’s, and Canadian Tire Gas+ stations
- Those who want to earn CT Money on all purchases (not just at Canadian Tire) and redeem it for store purchases they would make anyway
- Those who cannot qualify for the Triangle World Elite Mastercard (income below $80,000) but still want to participate in the Triangle programme
- Anyone who shops Canadian Tire frequently during bonus CT Money events to maximize accumulation
Less suitable if:
- You rarely shop at Canadian Tire — CT Money cannot be used elsewhere
- You prefer cash back that can offset any purchase — a general cash back card is more flexible
- You want travel rewards — CT Money has no travel redemption options
Alternatives
| Card | Annual Fee | Key Strength |
|---|---|---|
| Canadian Tire Triangle World Elite | $0 | Higher CT Money on grocery and CT stores (income req) |
| Rogers Red Mastercard | $0 | 1.5% cash back everywhere, no restrictions |
| Tangerine Money-Back | $0 | 2% on 2–3 categories, flexible redemption |
| BMO CashBack Mastercard | $0 | 3% on grocery, automatic statement credit |
Bottom Line
The Canadian Tire Triangle Mastercard is a solid no-fee store card for regular Canadian Tire shoppers. CT Money accumulates quickly during bonus events and earns on all Mastercard spending — but is only redeemable at Canadian Tire stores. If that fits your shopping patterns, it’s an excellent complimentary card to hold alongside a general cash back card.
For those who can qualify for the Triangle World Elite Mastercard, that card offers higher earn rates at no additional annual fee — it should be the first consideration.
CT Money earn rates, Triangle program terms, and all card features are subject to change. Verify current details at canadiantire.ca/triangle before applying.