Triangle Mastercard

This is the sharpest headline-versus-substance card in the segment. AT THE PARTNER: 4% back in CT Money at Canadian Tire and its affiliated banners. Sport Chek, Mark's/L'Équipeur, Party City, Atmosphere, Pro Hockey Life, Sports Rousseau, Hockey Experts, L'Entrepôt du Hockey and participating Sports Experts. EVERYWHERE ELSE: 0.5%. One of the lowest general earn rates on any open Canadian card. GROCERIES: 1.5%, but only on the first $12,000 of annual grocery spend, and Costco and Walmart are explicitly excluded from the grocery category. FUEL: 5 cents per litre at Canadian Tire Gas+ and Petro-Canada. A per-litre benefit, not a percentage, so it cannot be expressed as an earn rate (recorded as NOT PUBLISHED in earn_gas). Petro-Points converted to CT Money are capped at 1,000,000 Petro-Points / $1,000 CT Money per year. The 4% partner rate has no published cap. Conservative annual cap recorded above is the $12,000 grocery limit.

No standing welcome bonus is published on the Triangle Mastercard product page. Canadian Tire instead runs rotating 'Triangle Bonus Days' and 'Spend-and-Get' promotions and personalised weekly offers, none of which are guaranteed at application.

No insurance whatsoever on this tier. Canadian Tire's own comparison attributes purchase security, auto rental collision/loss damage, roadside assistance and 24/7 concierge exclusively to the Triangle World Elite Mastercard. The genuinely useful non-rewards benefit is no-fee, no-interest equal-monthly-payment financing on purchases of $150 or more at participating Triangle retailers. Also gives receipt-free returns at Canadian Tire banners. Eligibility as published: Canadian resident, age of majority. Canadian Tire Bank publishes no minimum income for this tier (recorded as NOT PUBLISHED; the $80,000/$150,000 test applies only to the World Elite). Cash advance fee 3% of the transaction to a maximum of $10. Alternative approval rates of 25.99% (purchases) / 27.99% (cash) may be assigned instead of 21.99%/22.99%. Quebec residents are charged 21.99% on all transaction types. NOTE for 2026: RBC and Canadian Tire Corporation launched a loyalty partnership in January 2026 linking RBC Avion and Triangle Rewards. This is a card-linking arrangement, not an issuer change; Canadian Tire Bank still issues the Triangle Mastercards. 0.5% everywhere else. Outside the Canadian Tire family of stores this is close to a no-rewards card. CT Money is not cash. It is a store currency spendable only at Canadian Tire and affiliated banners. The 1.5% grocery rate specifically excludes Costco and Walmart, the two places many Canadians buy groceries, and stops after $12,000 of annual grocery spend. The fuel benefit is 5c/L, not a percentage. At $1.50/L that is roughly 3.3%, but it falls as pump prices rise. Zero insurance on this tier, including no purchase security and no rental car coverage. Canadian Tire Bank may approve you at 25.99%/27.99% rather than the advertised 21.99%/22.99%. Canadian Tire Bank does not publish a separate cardholder agreement PDF at a stable public URL; the rate and fee text sits in footnotes on the marketing pages.