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Canadian Tire Triangle World Elite Mastercard review

Get a decent return on Canadian Tire money when you spend money on gas and groceries with this fee-free card.

Earn up to 3% in CT money on groceries along with 4% for every dollar you spend at Canadian Tire, Sport Chek and other participating retailers.

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By

Claire Horwood

Updated

$0

Annual Fee

Up to 4% cash back

Rewards

Please note: All information about Canadian Tire Triangle World Elite Mastercard has been collected independently by Finder and this product is not available through this site.

With the Canadian Tire Triangle World Elite Mastercard Earn up to 3% in CT money on groceries along with 4% for every dollar you spend at Canadian Tire, Sport Chek and other participating retailers Plus, Collect 7 cents per litre when you buy premium gas at participating Gas+ and Husky stations and 5 cents per litre for regular gas

30-second take

  • Get this card if you shop regularly at Canadian Tire and you don’t want to pay an annual fee.
  • Choose something else if you’d prefer to earn more flexible rewards or comprehensive benefits.
  • You’ll need to have an excellent credit score and earn at least $80,000 per year to qualify for this card.

The basics

If you’re looking for a customer loyalty card that lets you earn Canadian Tire money for making daily purchases on your card, then you might benefit from the Canadian Tire Triangle World Elite Mastercard.

  • No annual fee. There’s no annual fee to maintain this card.
  • High return. Earn up to 3% in CT money on groceries along with 4% for every dollar you spend at Canadian Tire, Sport Chek and other participating retailers.
  • No interest financing. Get zero-interest financing at certain stores when you make purchases over $150.00 or more.
  • Extra fuel rewards. Collect 7 cents per litre when you buy premium gas at participating Gas+ and Husky stations and 5 cents per litre for regular gas.
  • Purchase protection. Lock in purchase assurance and extended warranty coverage on eligible items you buy with your card.

The perks

  • Roadside assistance. Access services like towing, fuel delivery, flat tire changes and battery boosts for no extra fee.
  • Car rental insurance. Avoid paying third-party damage and collision insurance when you pay for your car rental with your card.
  • Zero Liability insurance. You won’t have to pay for fraudulent charges on your account with Zero Liability insurance.
  • Easy returns. Make quick and easy returns by showing your mobile receipts on the Triangle app.
  • Customer service. Reach out to a customer service rep for 24/7 assistance if you run into any issues with your card.
  • Member deals. Find out about exclusive in-store savings and flyer offers with regular emails and customized updates.

What to watch out for

  • High interest. You’ll have to pay 19.99% interest on purchases and 22.99% on cash advances.
  • No points or cashback. You won’t earn flexible points or cashback for making daily purchases.
  • Earning caps. You’ll only be able to earn 3% CT money on up to $12,000 worth of groceries per year (excluding Costco and Walmart).
  • Limited redemption. You can only redeem your CT money for purchases at Canadian Tire, Sport Chek, Mark’s Work Wearhouse, Atmosphere and other participating retailers.
  • Difficult to qualify. You’ll need to have an excellent credit score and make more than $80,000 per year to qualify for this card.

Canadian Tire Triangle World Elite Mastercard interest rates

Interest TypeInterest Rate
Purchase interest rate19.99%
Cash advance rate22.99%

What should I know before I apply

How to apply

  1. Head to the Canadian Tire website to begin your application.
  2. Complete the application, which includes providing your name, email address, social insurance number and birth date.
  3. Review and submit your application.

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Bottom line

If you earn a high income and have an excellent credit score, then you may be able to qualify for the Canadian Tire Triangle World Elite Mastercard. This card lets you earn a decent return on CT money when you shop for daily purchases like gas and groceries. You’ll also earn benefits like roadside assistance, car rental insurance and purchase protection for no annual fee.

Frequently asked questions about the Canadian Tire Triangle World Elite Mastercard

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