How to Make the Most of The Canadian Tire Triangle Rewards Program

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Last updated on June 21, 2022

Who doesn’t have Canadian Tire money thrown somewhere in their car or sitting on a shelf at home? Well, even for those of us who took those fake Canadian Tire bills for granted, the store’s rewards program is worth paying attention to. Here’s what you need to know about the Canadian Tire Triangle Rewards Program.

Triangle Rewards Program At A Glance

How to sign up for rewardsSign up on the website, in person at Canadian Tire or by using the Triangle Rewards app
How to earn rewardsUse a Triangle Rewards Mastercard and/or shop at Canadian Tire and participating retail partners
Triangle Rewards earn rateEarn .04% back (pre-tax amount) in Canadian Tire Money at all participating retailers; earn 3 cents per litre in Canadian Tire Money at Gas+
Triangle Rewards redemption rate$1 in Canadian Tire Money = $1 in free stuff

What Is The Triangle Rewards Program?

Canadian Tire is an iconic Canadian brand and the company’s Canadian Tire Money was one of Canada’s most beloved loyalty programs. To appeal to a younger and more-digitally minded demographic, Canadian Tire launched a new loyalty program in 2018 called Triangle Rewards. The Triangle Rewards program allows members to collect and redeem Canadian Tire Money (also known as CT Money) online and in-store at Canadian Tire and a variety of other retailers. There is no fee to join the program.

How To Earn Rewards

One of the best features of Triangle Rewards is the many ways you can earn rewards. You simply show your membership card or have the cashier scan your Triangle app (available for android and iOS—more on the app below). You can earn CT Money when you shop in person or online, with some exceptions, at the following retailers (note that some retailers are only found in Quebec):

  • Canadian Tire
  • Sport Chek
  • Atmosphere
  • Party City
  • Sports Rousseau (no collecting online only in person)
  • Hockey Experts* (can’t collect online)
  • participating Gas+  locations
  • Mark’s & L’Équipeur
  • Sports Experts

You can’t collect CT Money on things like gift cards, lottery tickets, hunting and fishing licences, labour (other than labour for automobile repairs), prepaid cards, phone cards, and tobacco products. A full list of prohibited products is available on the Canadian Tire website.

*Note that not all Sports Experts locations are participating in the program.

Canadian Tire Triangle Rewards Mastercards

The other and much more lucrative way to earn Canadian Tire Money is by shopping at participating retailers with a Triangle Rewards credit card. There are three Triangle credit cards available: The Triangle™ Mastercard®, the Triangle™ World Elite Mastercard®, and the Triangle™ World Mastercard®. The latter is available by invite only and can’t be applied for.

While the Triangle™ World Elite Mastercard® does offer some extra perks beyond The Triangle™ Mastercard®, like free roadside assistance and a 24/7 concierge service, the minimum annual income required to apply is relatively high at $80,000. That’s why we prefer The Triangle™ Mastercard®. It comes with some great perks and is easily accessible to most Canadians.

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The no-fee Triangle™ Mastercard® is Canadian Tire’s entry-level card.

The Triangle™ Mastercard® comes with some great perks, like;

  • 4% cash back (on your pre-tax total) in Canadian Tire Money when you shop at Canadian Tire Stores and participating retailers
  • 1.5% on grocery purchases with a yearly cap of $12,000 (excluding groceries at Walmart and Costco)
  • 5 cents per litre in CT Money on gas at participating Gas+ stations
  • No fee, no interest financing on qualifying purchases of $150 or more at eligible stores
  • Easy no-receipt returns at participating stores
  • Special member-only events

Read our Triangle™ Mastercard® review to learn more.

Canadian Tire Money Earn Rate

The earn rate for all participating retailers is 0.4% back in Canadian Tire Money on pre-tax purchases for all eligible purchases. The only exception is at Gas+ where members earn $0.03 in Canadian Tire Money per litre when they pay with cash or debit. Of course, you can really accelerate these earn rates when you shop with a Triangle credit card.

Canadian Tire Money Redemption Value

The Canadian Tire Money‘s redemption value is very straightforward. One CT Money dollar is equal to $1 in real money.

How To Redeem Canadian Tire Money and Points

Options to redeem CT Money are much more limited than the options for where you can collect them. You can only redeem by showing proof of your membership online or in person at:

  • Canadian Tire
  • Sport Chek
  • Mark’s & L’Équipeur (CT Money cannot be redeemed online at or LÉ
  • Atmosphere stores (can’t redeem online, only in person)

Redemption is simple because, at participating retailers, Canadian Tire Money works just like real money so you simply redeem it as you would like cash and the amount of Canadian Tire Money will instantly be used towards your purchase.

How To Sign Up For Rewards

Signing up for the Triangle Rewards program is very quick and easy. On the website, click the ‘Join Triangle Now’ button. You’ll fill in a bit of personal information and then receive a membership number that you can use right away to make purchases. You can also sign up directly on the spot at any Canadian Tire store.

The Triangle Rewards App

You can also sign up for the program using the Triangle Rewards app, which is available on both Android and Apple devices. The app also makes it easy to use your membership because you don’t have to worry about memorizing your membership rewards number or carrying around a card and retailers can just scan your app.

Alternative Credit Cards To Maximize Your Canadian Tire Purchases

If you don’t want a Triangle Rewards branded card there are still ways to get the most out of a shopping excursion to Canadian Tire with one of these cards:

Tangerine Money-Back Credit Card

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The no-fee Tangerine Money-Back Credit Card is one of the best no-fee cards in the country. Cardholders get unlimited cash back on two or three categories (if you have your cash back deposited into a Tangerine account). Best of all, you get to pick the categories you want out of a selection of ten. This cash-back powerhouse also comes with nice perks like a balance transfer promotion rate of 1.95% interest for the first 6 months and extended warranty protection.

Read our Tangerine Money-Back Credit Card review to learn more.

MBNA Rewards Platinum Plus® Mastercard®

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It’s not often you can get a no-fee platinum card! The MBNA Rewards Platinum Plus® Mastercard® starts off with a welcome bonus of up to 10,000 MBNA Rewards points for those who make at least $500 in purchases (5,000 points) and who enroll for paperless e-statements (another 5,000 points) within the first 90 days. During that welcome period you’ll also earn at a special rate of 4 points for every $1 you spend on groceries, restaurants, digital media, memberships, and household utilities. After the first 90 days pass, you’ll earn 2 points for every $1 spent on those categories (up to an annual spending cap of $10,000 in each category). All other purchases earn you 1 point per $1. The card also features mobile device insurance, purchase assurance and extended warranty protection, and a discount on select rental cars.

Read our MBNA Rewards Platinum Plus® Mastercard® review to learn more.

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.

This offer is not available for residents of Quebec. For residents of Quebec, please click here.

SimplyCash Preferred Card from American Express

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For a $99 annual fee, you can earn 2% cash back on all purchases on the SimplyCash Preferred Card from American Express with no caps on earnings. The card also has a super welcome offer of 10% cash back in the first 4 months ($400 max cash back). Cardholders also enjoy benefits like an impressive selection of travel and shopping insurance, as well as exclusive entertainment perks.

Read our SimplyCash Preferred Card review to learn more.

Scotia Momentum Visa Infinite

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The Scotia Momentum Visa Infinite Card is one of Canada’s top-rated premium cash back cards. Right now, new applicants can earn 10% cash back on all purchases for the first 3 months and no annual fee (normally $120) in the first year. After the welcome rate ends, you’ll earn 4% on groceries and recurring payments, 2% on gas and transit and 1% on all other spendings. The card also comes with impressive benefits like a comprehensive insurance package that includes mobile phones, as well as concierge service and more.

Read our Scotia Momentum Visa Infinite Review to learn more.

Final Thoughts

The Triangle Rewards program is a good program but only if you shop a lot at Canadian Tire or other participating retailers. The Triangle credit cards certainly help boost earnings at Canadian Tire stores and eligible retailers but don’t offer as many rewards as some other credit cards for groceries and other kinds of purchases.

Author Bio

Sandra MacGregor
Sandra MacGregor has been writing about finance and travel for nearly a decade. Her work has appeared in a variety of publications like the New York Times, the UK Telegraph, the Washington Post, and the Toronto Star. She spends her free time travelling, and has lived around the globe, including in Paris, South Korea and Cape Town. You can follow her on Twitter at @MacgregorWrites.

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