Highlights

  • Earn 4% CT Money on eligible spending at participating retailers such as Canadian Tire, Sport Chek, and Mark’s.
  • Earn 5¢ CT Money per litre on fuel at participating Gas+ and Petro-Canada stations.
  • No annual fee. Eligible large purchases can use 24-month equal payments with no interest and no administration fee.
  • The bank’s product page does not list travel or purchase insurance as benefits of this card. Purchase protection, car-rental insurance, and similar coverages are extra benefits on the Triangle World Elite Mastercard.
Triangle Mastercard

Issuer: Canadian Tire Bank
Payment network: Mastercard
Product type: Credit card
Annual fee: $0
Foreign currency conversion fee: 2.5%

This card earns electronic Canadian Tire Money (CT Money) in the Triangle Rewards program. At participating retailers, $1 in CT Money can be redeemed for $1 of merchandise.

Welcome Offer

【September 3, 2026 update】 None

Apply on the official site 🔗

Past welcome offers

A $150 welcome offer shows up every few months.

Everyday Spending

5¢/L: fuel at participating Gas+ and Petro-Canada stations. You earn 5¢ CT Money on each whole litre. Fuel litres are rounded down to the nearest whole litre.

4%: almost all eligible spending at Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Party City, Atmosphere, Pro Hockey Life, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, and participating Sports Experts retailers. Not every item earns or redeems CT Money. This rate does not include extra CT Money from bonus campaigns, promotions, or redemption exchanges.

1.5%: eligible grocery spending. This rate applies only to the first $12,000 each calendar year (January 1 through December 31) on grocery purchases coded as Mastercard merchant category 5411. Costco, Walmart, and Walmart Superstore do not qualify. A shared footnote on the official site says the rate becomes 1% after the annual cap, but this card’s page also lists “all other spending” at 0.5% and does not say which rate applies to grocery spend over the cap.

0.5%: other eligible spending. This rate applies to purchases that do not qualify for a higher earn rate above.

Benefits & Insurance

  • Equal Payments, No Interest Financing

At Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, and participating Sports Experts, a single eligible purchase of at least $150 before tax (gift cards excluded) can, if you request it and are approved, use a 24-month equal-payment plan with no interest and no administration fee unless that plan says otherwise. Each monthly instalment must be paid in full by its due date. If the statement minimum is not received in full within 59 days of the statement date, or another default occurs, the special payment plan ends and the remaining balance then accrues interest at the applicable regular annual rate.

  • Exclusive Offers for Triangle Mastercard Customers

Cardholders can stack exclusive Bonus Offers with Triangle Bonus Days, Spend-and-Get events, and weekly flyer deals for extra CT Money. The official site does not publish a fixed bonus multiple, dollar amount, or set of eligibility rules for each period.

  • No travel or purchase insurance listed

When the bank describes the Triangle World Elite Mastercard, it lists purchase protection, car-rental collision/loss-damage waiver insurance, roadside assistance, and concierge as extras beyond regular Triangle Mastercard benefits. This card’s page therefore does not list travel-related or purchase-related insurance, and there is no insurance certificate to link for this product.