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Canadian Tire Credit Cards: Triangle Mastercard and World Elite

Updated

Canadian Tire Bank issues the Triangle Mastercard and the Triangle World Elite Mastercard. Their rewards are CT Money, from Triangle Rewards, a program that Canadian Tire Corporation owns and runs.

The two Triangle cards

Canadian Tire Bank's credit cards, from our verified records
CardAnnual feeEarn rateMinimum incomePurchase rateCash advance rateForeign transaction fee
Triangle World Elite Mastercard$04% in CT Money at Canadian Tire, Sport Chek, Mark's and the other Canadian Tire family stores (pre-tax), 3% at grocery stores on the first $12,000 a year (Walmart and Costco excluded), 5 cents a litre (7 cents premium) at Gas+ and Petro-Canada, 1% on everything else$80,000 personal or $150,000 household21.99%22.99%2.5%
Triangle Mastercard$04% in CT Money at Canadian Tire, Sport Chek, Mark's and the other Canadian Tire family stores (pre-tax), 1.5% at grocery stores on the first $12,000 a year (Walmart and Costco excluded), 5 cents a litre at Gas+ and Petro-Canada, 0.5% on everything elseNone stated21.99%22.99%2.5%

Each card’s fact sheet, linked from its name, has the full terms we checked.

What happened to the Cash Advantage Mastercard?

Canadian Tire Bank’s card comparison page lists the Triangle Mastercard and the Triangle World Elite Mastercard; we found no Cash Advantage Mastercard on it when we checked.

Which Canadian Tire card suits your spending?

Enter your monthly card spending to rank Canadian Tire Bank's cards by dollars back a year after fees.

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Ranked by dollars back a year after fees, for your spending. Welcome offers, benefits and promoted cards never change the order.

  1. 1

    Triangle World Elite Mastercard

    $561a year after fees
    • $561 in CT Money a year
    • Fees $0
    • 1.44% back on spending

    Welcome offer$150 in CT Money for an eligible purchase at the Canadian Tire family of stores within 30 days of approval, plus 25 cents a litre total in CT Money at Petro-Canada for 60 days (up to 350 litres); apply online by December 31, 2026; not for BC residents.Ends Dec 31, 2026. Not part of the ranking; confirm on the issuer’s site.

    • Roadside assistance
    • Purchase protection
    • Extended warranty
    • Rental car

    Facts checked Nov 12, 2026 · Card details

  2. 2

    Triangle Mastercard

    $280a year after fees
    • $280 in CT Money a year
    • Fees $0
    • 0.72% back on spending

    Welcome offer$150 in CT Money for an eligible purchase at the Canadian Tire family of stores within 30 days of approval, plus 25 cents a litre total in CT Money at Petro-Canada for 60 days (up to 350 litres); apply online by December 31, 2026; not for BC residents.Ends Dec 31, 2026. Not part of the ranking; confirm on the issuer’s site.

    Facts checked Nov 12, 2026 · Card details

Not ranked:

  • Cash Advantage Mastercard: Canadian Tire Bank isn't accepting new applications.

The calculator counts CT Money at $1 for each $1 earned, the value Canadian Tire Bank gives it. It has no box yet for spending at Canadian Tire’s own stores, so the store rate in the table is not part of its ranking.

How CT Money works

Canadian Tire Bank values $1 in CT Money at $1 in merchandise. You spend it in store at Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Party City, Pro Hockey Life, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts stores.

You don’t need a Triangle credit card to collect CT Money. On the bank’s comparison page, a Triangle Rewards member without a card earns 0.4% in CT Money on qualifying purchases at Canadian Tire, and 3 cents a litre on fuel at Gas+ and Petro-Canada when paying with cash or debit.

Cash advances and other cash transactions

Canadian Tire Bank treats cash advances, balance transfers, convenience cheques, money transfers, travellers cheques and gambling transactions as cash transactions, charged at the cash rate shown in the table. Another passage on the same page gives applicants a different cash rate, so confirm the rate in your cardholder agreement. Quebec residents pay one rate on everything, cash included. An applicant who isn’t approved at the standard rates may still get a card at a higher rate on all charges.

Applying and managing your account

To apply for the Triangle Mastercard you must be a Canadian resident and have reached the age of majority in your province. The Triangle World Elite Mastercard currently takes applications online only. From one profile, cardholders can view their account and reward balances and enrol in e-statements, and the Triangle app manages the account on the go.

Compare Canadian Tire Bank's cards with all 162 cards we've checked, from 24 banks, in the card finder

Sources

The figures and rules on this page come from these sources. About CardNorth.