Daniela Hanna
The Triangle Mastercard® from Canadian Tire Bank is a no-fee rewards card that earns CT Money® on everyday spending. It’s a simple, practical choice for Canadians who frequently shop at Canadian Tire, Sport Chek, Mark’s, and other partner stores.
Quick highlights
- 🛍️ 4% CT Money at Canadian Tire, Sport Chek, Mark’s, and other partner stores.
- ⛽ 5¢ per litre CT Money back at Gas+ fuel locations.
- 🛒 1.5% CT Money on grocery purchases (up to $12,000/year, excluding Costco and Walmart).
- 💸 No annual fee with flexible in-store redemption.
Why we like the Triangle Mastercard®
This card gives solid rewards where many Canadians already shop. With no annual fee and easy CT Money redemptions, it’s ideal for maximizing value within the Canadian Tire family of stores.
Stand-out features
- ✅ 4% CT Money on eligible Canadian Tire, Sport Chek, and Mark’s purchases.
- ✅ 5¢ per litre back at participating Gas+ stations.
- ✅ 1.5% CT Money on grocery purchases (up to $12,000/year).
- ✅ No annual fee.
Good to know
- ⚠️ Grocery rewards exclude Costco and Walmart.
- ⚠️ 2.5% foreign transaction fee applies.
- ⚠️ Best value comes from redeeming within the CT ecosystem.
Pros
- No annual fee.
- Strong earn rate at Canadian Tire family stores.
- Extra value at Gas+ fuel stations.
- Simple and familiar rewards redemption system.
Cons
- Limited value outside the Canadian Tire ecosystem.
- Grocery earn capped at $12,000 annually.
- Foreign transaction fees apply.
Rewards program
- 🛍️ 4% CT Money at Canadian Tire, Sport Chek, Mark’s, and other partner stores.
- ⛽ 5¢ per litre at Gas+ fuel stations.
- 🛒 1.5% on grocery purchases (up to $12,000/year, excluding Costco and Walmart).
- 💳 1% on all other purchases.
How to maximize rewards
- Use the card for all Canadian Tire family store purchases to earn 4% back.
- Fill up at Gas+ locations to get 5¢ per litre in CT Money.
- Use it for groceries (excluding Costco/Walmart) up to the annual cap for 1.5% back.
- Redeem rewards strategically for essential purchases to stretch value further.
Insurance & benefits
Included
- 🛍️ Purchase Protection.
- 🕒 Extended Warranty.
Not included
- ❌ No travel or premium World Elite benefits.
- ❌ Foreign transaction fee applies.
Rates & fees
| Annual fee | $0 |
|---|---|
| Purchase APR | 20.99% |
| Cash advance APR | 22.99% |
| Foreign transaction fee | 2.5% |
| Grace period | 21 days on new purchases |
Best for
- 🛒 Frequent Canadian Tire, Sport Chek, or Mark’s shoppers.
- ⛽ Regular Gas+ customers.
- 💳 Canadians wanting a simple no-fee rewards card.
Where it falls short
- Limited value for non-Canadian Tire spending.
- Low grocery cap and exclusions.
- 2.5% foreign transaction fee.
Customer reviews
Positive feedback
“Great earn rate at Canadian Tire and easy to redeem rewards.”
“Perfect no-fee card for everyday errands.”
Critiques
“Not very useful outside the CT ecosystem.”
“Would prefer higher grocery rewards.”
Community insights
Canadians often use the Triangle Mastercard® as a dedicated card for Canadian Tire and fuel purchases, pairing it with a general cash-back card for other spending.
AI review (straight talk)
The Triangle Mastercard® is a smart, simple card for everyday Canadian Tire loyalists. It delivers strong value for local purchases, though limited versatility elsewhere.
Alternatives & comparison
| Card | Annual Fee | Top Categories | Other Purchases | Key Perks | Best For |
|---|---|---|---|---|---|
| Triangle Mastercard® | $0 | 4% CT Money at CT family; 5¢/L Gas+ | 1% | No annual fee | Canadian Tire loyalists |
| Triangle World Elite Mastercard® | $120 | 4% CT Money + premium perks | 1% | World Elite benefits | Frequent CT shoppers |
| Tangerine Money-Back Card | $0 | 2% custom categories | 0.5% | Custom rewards | Everyday spending |
| SimplyCash® Card from Amex | $0 | 2% gas & grocery | 1.25% | Amex Offers | No-fee cash-back |
FAQ
Is there an annual fee?
No, the Triangle Mastercard® has no annual fee.
What are the earn rates?
4% CT Money at Canadian Tire family stores, 5¢/litre CT Money at Gas+, 1.5% on groceries (up to $12,000/year), and 1% elsewhere.
Are there foreign transaction fees?
Yes, there’s a 2.5% fee on non-CAD purchases.
How can I redeem CT Money?
Redeem CT Money like cash at Canadian Tire, Sport Chek, Mark’s, and other participating stores.
Final verdict & ratings
Our take The Triangle Mastercard® is a reliable, no-fee rewards card for Canadians loyal to the CT brand network. It’s best used for in-network spending and paired with a broader card for other purchases.
| Overall | ★★★☆☆ 3.8 / 5 |
|---|---|
| Rewards value | 4.0 / 5 — strong within the CT ecosystem |
| Benefits & protections | 3.5 / 5 — good coverage for a no-fee card |
| Fees & costs | 5.0 / 5 — $0 annual fee |
| Ease of approval | 4.2 / 5 — accessible for most Canadians |
