The Triangle Mastercard in Canada is a versatile loyalty credit card designed primarily for Canadian Tire shoppers but useful for everyday purchases.
This guide breaks down how it works, its benefits, and practical tips to get the most value from the card and its rewards program.
Triangle Mastercard Overview
Issued by Canadian Tire Bank, the Triangle Mastercard offers no annual fee and rewards customers with Canadian Tire Money (CT Money) on purchases. For a detailed look at any possible costs, see the breakdown of Triangle Mastercard annual fees.
This rewards program is digitally administered under the Triangle Rewards brand, allowing users to earn electronic Canadian Tire Money when shopping at Canadian Tire stores, partner retailers, gas stations, and even grocery stores across Canada.
Earning Canadian Tire Money
Cardholders earn CT Money at varying rates depending on where they shop:
- 4% back at Canadian Tire, Sport Chek, Mark’s, and other partner stores
- 1.5% at grocery stores
- 5 cents per litre on fuel at participating gas stations
- 0.5% on purchases made elsewhere
CT Money is a cash-equivalent loyalty currency that can be used to pay for purchases at Canadian Tire and affiliated outlets, effectively reducing future shopping costs.
CT Money is a cash-equivalent loyalty currency, reducing shopping costs. Learn more in our complete guide to Triangle Mastercard rewards.
Additional Card Benefits
The Triangle Mastercard provides several perks beyond rewards. For a comprehensive overview, check out the full list of Triangle Mastercard features and benefits.
The Triangle Mastercard provides several perks beyond rewards:
- No-interest financing on purchases over $150 for a set promotional period
- No receipt returns benefit offered by Canadian Tire
- Access to member-only events and personalized offers via the Triangle app
- Option to link the card to digital wallets like Apple Pay and Google Pay for convenience and security
Triangle World Elite Mastercard Comparison
For higher earners and frequent shoppers, the Triangle World Elite Mastercard offers enhanced benefits:
- Higher reward rates (e.g., 10% back on Canadian Tire purchases)
- Roadside assistance and travel insurance coverage
- Income requirements and credit score criteria for approval are stricter
Managing Your Triangle Mastercard
Users can easily manage their accounts online or through the Triangle app:
- Track and redeem CT Money rewards
- Set up paperless statements and payment methods
- Receive notifications for offers, payment due dates, and account activity
Maximizing Your Rewards
Using the Triangle app to activate weekly bonus offers and pairing card rewards with promotional events can significantly increase the value of your CT Money earnings.
Combining the Triangle Mastercard with the Triangle Rewards program and shopping strategically at partner stores maximizes rewards.
Who Should Consider the Triangle Mastercard?
This card is ideal for regular Canadian Tire customers and anyone looking for straightforward rewards on everyday spending, with no annual fee.
Newcomers to Canada, students, and those with moderate credit may find it accessible, particularly the standard Triangle Mastercard.
For more on requirements and eligibility, read about the Triangle mastercard approval process for students and newcomers interested in a Triangle Mastercard.
In Summary: The Triangle Mastercard in Canada blends loyalty rewards, convenient account management, and attractive shopping perks.
Whether using the standard or World Elite version, it offers solid value for those who frequent Canadian Tire and related stores, helping save on everyday purchases through rewarding CT Money earnings and promotions.
The Triangle Mastercard rewards program and card management are demystified to meet the needs of Canadian users.
