The Triangle World Elite Mastercard is Canadian Tire’s premium co-branded credit card — earning elevated CT Money at Canadian Tire, Sport Chek, Mark’s, Gas+, and other family stores, with no annual fee, no foreign transaction fee, and World Elite Mastercard travel benefits. For Canadians who regularly shop at Canadian Tire family stores and meet the $80,000 income threshold, it is one of the most valuable no-annual-fee Mastercards available in Canada.
Quick Verdict
Best for: Regular Canadian Tire ecosystem shoppers ($80K+ income) who want elevated CT Money at CT family stores, no foreign transaction fee, and World Elite Mastercard travel benefits — all at $0 annual fee.
Not ideal for: Those under the $80K income threshold (standard Triangle Mastercard instead); those who want fully flexible rewards redeemable outside Canadian Tire; or those who rarely shop at CT family stores.
Key Card Details
| Feature | Detail |
|---|---|
| Annual fee | $0 |
| Income requirement | $80,000 individual / $150,000 household |
| Issuer | Duo Bank of Canada |
| Network | Mastercard (World Elite tier) |
| Rewards | CT Money (Canadian Tire Money, digital) |
| Foreign transaction fee | $0 (waived) |
| CT Money value | 1 CT Dollar = $1.00 in-store |
| Redemption | Canadian Tire, Sport Chek, Mark’s, Gas+, Atmosphere |
| Welcome bonus | Verify current offer at canadiantire.ca |
Card terms and features are subject to change. Verify all current details at canadiantire.ca before applying.
Earn Rates
Verify all current earn rates at canadiantire.ca.
| Spending Category | CT Money Earn |
|---|---|
| Canadian Tire stores | Elevated (higher than standard Triangle) |
| Sport Chek | Elevated |
| Mark’s / L’Équipeur | Elevated |
| Gas+ (per litre) | Per-litre earn — verify |
| Party City / Atmosphere | Elevated |
| All other eligible Mastercard | Base rate — verify |
CT Money Value
| Feature | Details |
|---|---|
| Value | 1 CT Dollar = $1.00 in-store |
| Redemption | Canadian Tire family stores |
| Minimum redemption | Verify at canadiantire.ca |
| Expiry | No expiry with activity — verify current terms |
World Elite Mastercard Benefits
| Benefit | Details |
|---|---|
| Foreign transaction fee | $0 — no charge on foreign currency purchases |
| Emergency medical travel insurance | Verify limits and terms at canadiantire.ca |
| Trip cancellation/interruption | When travel charged to card — verify |
| Car rental CDW | Decline rental CDW — verify terms |
| Purchase protection | Verify at canadiantire.ca |
| Extended warranty | Verify at canadiantire.ca |
| World Elite Concierge | 24/7 travel and lifestyle concierge |
| Mastercard hotel programme | Best available rates at participating hotels |
Triangle World Elite vs. Triangle Mastercard
| Feature | Triangle Mastercard | Triangle World Elite MC |
|---|---|---|
| Annual fee | $0 | $0 |
| Income required | None | $80K individual |
| CT earn at CT stores | Standard rate | Higher rate |
| Gas earn at Gas+ | Standard | Elevated per litre |
| Foreign transaction fee | 2.5% | $0 |
| Travel insurance | Limited | Comprehensive |
| Mastercard tier | Standard | World Elite |
Verdict: If you qualify, the World Elite is strictly better. Apply for the World Elite first.
Fees and Rates
| Fee | Amount |
|---|---|
| Annual fee | $0 |
| Purchase interest rate | Verify at canadiantire.ca |
| Cash advance rate | Verify at canadiantire.ca |
| Foreign transaction fee | $0 |
No-Annual-Fee World Elite Mastercard Comparison
The Triangle World Elite stands out as one of the few no-fee World Elite Mastercards in Canada:
| Card | Annual Fee | Key Benefit | FX Fee |
|---|---|---|---|
| Triangle World Elite MC | $0 | CT Money + no FX | $0 |
| BMO CashBack World Elite MC | $120 | 5% grocery cash back | 2.5% |
| MBNA Rewards World Elite MC | $120 | MBNA Rewards points | 2.5% |
| National Bank World Elite MC | $150 | Travel credits | $0 |
| Scotiabank Passport Visa Infinite | $150 | Lounge + no FX | $0 |
Among no-annual-fee World Elite Mastercards, the Triangle World Elite + Simplii Visa Infinite (no-fee, Visa Infinite, 4% dining) form a powerful no-fee combination for CT shoppers who also dine out frequently.
Who Is the Triangle World Elite Mastercard Best For?
Ideal cardholders:
- Canadian Tire, Sport Chek, and Gas+ loyalists ($80K+ income) who want the highest CT Money earn rate with no annual fee
- Frequent travellers or online shoppers on US/international websites who want no foreign transaction fee at $0 annual fee
- Those who want World Elite Mastercard travel insurance without paying an annual fee
- Existing Triangle Rewards members upgrading from the standard Triangle Mastercard
Less suitable if:
- You don’t meet the $80K income threshold — apply for the standard Triangle Mastercard
- Canadian Tire family stores aren’t regular shopping destinations — the reward value is limited outside the CT ecosystem
- You want fully flexible rewards (cash back deposited, travel points, etc.) — a cash back card is more versatile
Bottom Line
The Triangle World Elite Mastercard is one of Canada’s best no-annual-fee credit cards for the $80K+ income segment — delivering elevated CT Money at Canadian Tire stores, no foreign transaction fee, and World Elite Mastercard travel benefits at $0/year. For regular Canadian Tire, Sport Chek, Gas+, or Mark’s shoppers who meet the income requirement, it is a clear upgrade from the standard Triangle Mastercard.
Pair it with a strong general-purpose card (Scotiabank Gold Amex, TD First Class Travel Visa Infinite, or BMO CashBack World Elite) for non-CT spending.
Card terms, CT Money earn rates, and features are subject to change. Verify all current details at canadiantire.ca before applying.