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Canadian Tire Triangle Cash Advantage Mastercard review
Pay no annual fee and earn cash back for every dollar you spend with this fee-free card.
Earn 1.5% cash back whenever you spend money on your card.
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$0
Annual Fee
Up to 3% cash back
Rewards
Please note: All information about Canadian Tire Triangle Cash Advantage Mastercard has been collected independently by Finder and this card is not available through this site.
The Canadian Tire Triangle Cash Advantage Mastercard comes with no annual fee and lets you Earn 1.5% cash back whenever you spend money on your card, and 2x the cash back on purchases made at Canadian Tire stores, Canadian Tire gas bars and Mark’s Work Wearhouse locations. The downside of this card is that it comes with few added benefits and you won’t earn Canadian Tire money for making daily purchases.
30-second take
- Get this card if you want to earn cash back and don’t want to pay an annual fee.
- Choose something else if you want to earn rewards or get comprehensive benefits.
- This card doesn’t come with a minimum annual income requirement but you’ll need to show proof of employment to qualify (unless you’re retired).
The basics
If you visit Canadian Tire regularly to stock up on supplies and you want to earn cash back on all your purchases, you might like to check out the Canadian Tire Triangle Cash Advantage Mastercard.
- No annual fee. Pocket the money you would normally spend on an annual fee.
- Decent return. Earn 1.5% cash back whenever you spend money on your card.
- 2x the rewards. Benefit from double the cash back on any purchases you make at Canadian Tire.
- No-interest financing. Save money on interest when you finance large purchases at Canadian Tire and some of its partner stores.
The perks
- Optional balance protection. Pay a small annual fee to get balance protection in case you can’t cover your monthly payments due to an emergency or loss of employment.
- Optional fraud protection. Get lost/stolen card assistance and credit monitoring for an additional monthly fee.
- Contactless payment. Breeze through checkout with tap-and-go payments.
- Customer service. Call in at any time of day or night to speak to a customer service rep if you need help with your account.
- Enhanced security. Safeguard your purchases with security features like PIN-protected microchips and online fraud prevention mechanisms.
- Mobile app. Manage your rewards and payment schedule in one handy app.
What to watch out for
- High interest. Interest rates on this card sit at 19.99% for purchases and 22.99% for cash advances.
- No return on CT money. You won’t be able to earn Canadian Tire money (like you can with the Triangle World Elite Mastercard) or other rewards when you make purchases.
- No basic insurance. There’s no coverage for basic insurance like purchase protection or extended warranty on this card.
- Few benefits. It’s not possible to qualify for additional benefits like travel perks, roadside assistance or special discounts.
Canadian Tire Triangle Cash Advantage Mastercard interest rates
| Interest Type | Interest Rate |
|---|---|
| Purchase interest rate | 19.99% |
| Cash advance rate | 22.99% |
What should I know before I apply
How to apply
- Head to the Canadian Tire website to begin your application.
- Complete the application, which includes providing your name, email address, social insurance number and birth date.
- Review and submit your application.
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Bottom line
You could benefit from the Canadian Tire Triangle Cash Advantage Mastercard if you regularly shop at Canadian Tire and want to earn cash back for every dollar you spend on your card. This card comes with no annual fee, but it doesn’t offer comprehensive benefits and you won’t earn Canadian Tire money or other rewards for making daily purchases.
