Triangleᵀᴹ Mastercard® Review

Max Earnings Rate
4%
Annual Fee
$0
Purchase Interest Rate
19.99%
Recommended Credit Score
740 850 670 739 580 669 0 579
Fair-Good
Collect 4† back in Canadian Tire Money® when you shop at Canadian Tire, Sport Chek®, and participating Marks®/L’Équipeur® and Atmosphere® stores. Collect 5¢ per litre back in Canadian Tire Money® at Gas+ locations².

The Triangle™ Mastercard® is a more accessible version of the lucrative Triangle™ World Elite Mastercard®. The card allows Canadians of all income levels to earn Canadian Tire money at Canadian Tire and participating partner stores, as well as on gas purchases.

The card is relatively easy to qualify for, with no minimum annual income and no stated minimum credit score, though it’s important to note that applicants with lower credit scores might be given a higher purchase interest rate of 25.99%. Cardholders won’t get the same perks and accelerated earn rates that are offered by the Canadian Tire Triangle™ World Elite Mastercard®, but they will get a solid credit card that helps them earn CT Money®.

Triangle™ Mastercard® Rewards Structure

Cardholders earn 4% back† in Canadian Tire Money® at participating Canadian Tire, Sport Chek®, Mark®’s/L’Equipeur®, and Atmosphere® stores. They’ll also collect 5¢ back per litre in CT Money® on all fuel types at Gas+ locations², and earn CT Money® everywhere else you shop.

Outside the aforementioned categories there’s no other accelerated earning potential for this Triangle credit card. For example, cardholders won’t be able to earn accelerated amounts of Canadian Tire Money® from grocery store purchases the way they can with the Canadian Tire Triangle™ World Elite Mastercard®.

Other Card Perks

Aside from earning CT Money®, cardholders of the Triangle™ Mastercard® also benefit from:

  • $0 annual fee
  • No fee, 0% interest financing* on qualifying purchases of more than $200 at Canadian Tire, Sport Chek® and participating Mark®’s/L’Équipeur® and Atmosphere® stores
  • Easy returns without a receipt at Canadian Tire, Sport Chek®, Mark®’s/L’Équipeur® and Atmosphere® stores
  • Personalized offers and weekly bonuses

About Canadian Tire Money

You can find out all the details of how Canadian Tire Money® works in our Loyalty Program Bible, but here’s a quick summary: Canadian Tire Money® is the rewards currency for Canadian Tire, which can be redeemed online or in-store for Canadian Tire merchandise. It’s treated like cash in participating stores, although there are restrictions on what you can buy with it, such as tobacco and alcohol products, phone cards, gift cards, and lottery tickets. Canadian Tire Money® is not transferable to any other rewards programs and won’t expire as long as you keep your account active.

Who’s the Card For?

The Triangle™ Mastercard® is ideal for Canadian Tire patrons who want to earn Canadian Tire Money® but don’t meet the minimum annual income of $80,000 required to qualify for the higher-value Triangle™ World Elite Mastercard®. The Triangle™ World Elite Mastercard® comes with an accelerated earn rate for groceries as well as other perks like roadside assistance, and we recommend it to Canadian Tire devotees who qualify. Those who don’t qualify are encouraged to apply for the Triangle™ Mastercard® instead.

 

CTFS Legal Information
† The Triangle Rewards Program is owned and operated by Canadian Tire Corporation, Limited. The Triangle™ World Elite Mastercard® is issued by Canadian Tire Bank. Rewards are in the form of electronic Canadian Tire Money® (CT Money®). Not all items sold at Canadian Tire, SportChek and participating Mark’s/L’Equipeur, Atmosphere and other partner locations are eligible to earn CT Money or to be redeemed for. Certain Mark’s/L’Equipeur and Atmosphere stores may not participate. Conditions apply. Visit triangle.com for full program rules and Partner location information including which locations do not participate. The offered rate is exclusive of any bonus or promotional offers or redemption transactions. CT Money is collected on the pre-tax amount of the purchase at Canadian Tire, Sport Chek, Atmosphere, Mark’s/L’Equipeur and PartSource.
2 Rate subject to change and could vary by location, see gas bar for details.
* Financing available is “Equal payments, no interest” for 12 months (unless otherwise stated) and is only available on request, on approved credit and on purchases of $200 or more (excluding gift cards) made with your Triangle credit card at Canadian Tire, Sport Chek and participating Marks and Atmosphere locations. Interest does not accrue during the period of the plan. However, if we do not receive the full minimum due on a statement within 59 days of the date of that statement, or any event of default (other than a payment default) occurs under your Cardmember Agreement, all special payment plans on your account will terminate and (i) you will then be charged interest on the balances outstanding on such plans at the applicable regular annual rate from the day after the date of your next statement, and (ii) the balances outstanding will form part of the balance due on that statement. There is no administration fee charged for entering into a special payments plan. Each month during an equal payments plan you are required to pay in full by the due date that month’s equal payments plan instalment. Any unpaid portion not received by the due date will no longer form part of the equal payments plan and interest will accrue on that amount from the day after the date of your next statement at the applicable regular annual rate.
Additional information for residents of Quebec only: The regular annual rate for persons applying for the Triangle credit card is 22.99% for cash transactions and related fees and 19.99% for all other charges. Some applicants may receive a higher or lower regular annual rate depending on a credit evaluation. The minimum payment is the sum of (a) interest and fees shown on your statement, (b) the greater of any amount past due or any balance over your credit limit, (c) the amount of any equal payments plan instalments then due, and (d) $10. Balances under $10 are due in full. For residents of Quebec, the period between the statement date and the due date for payment is 26 days. The billing period covered by each statement can be from 28-33 days. The Triangle™ Mastercard® does not have an annual fee. Examples of borrowing costs (rounded to the nearest cent) assuming that all charges are purchases bearing interest at the regular annual rate of 19.99%, a 30 day month, no charges made on special payment plans and no other fees, additional payments or other changes are:
Credit CardSpecial Card FeatureAnnual FeeCard ReviewApply for Card
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TD Cash Back Visa Infinite6% intro cash back rate for 3 months
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$
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2 pts/$ on transport, gas and airfare
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TD First Class Travel Visa infinite40,000 bonus pts
3 pts/$ on any purchases
9 pt/$ on booking travel (expediafortd.com)
$
First year free, conditions apply.
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CTFS Triangle World Elite Mastercard3% in CT money on groceries
4% in CT money at selected stores
5 cents/L in Gas+ locations
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0% foreign fee
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BMO Rewards World Elite Mastercard35,000 bonus pts
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BMO SPC Cash Back MasterCardNo annual fee
10-15% discount at retailers
4% on all purchases (first 4 months)
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®/™ Unless otherwise noted, all trademarks are owned by Canadian Tire Corporation, Limited and are used under licence.
®/™ Sport Chek and Atmosphere are registered trademarks of FGL Sports Ltd.
®/™ Mark’s/L’Equipeur are registered trademarks of Mark’s Work Wearhouse Ltd.
®/™ Mastercard, World Mastercard and World Elite Mastercard are registered trademarks, and the circles design are trademarks, of Mastercard International Incorporated.

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