Triangle Mastercard holders can earn Canadian Tire Money (CT Money) on grocery purchases at many popular grocery stores across Canada.
However, the earn rate and eligibility depend on the store’s Mastercard merchant code and certain exclusions.
Which Grocery Stores Eligible for Triangle Mastercard Rewards?
Eligible Grocery Stores: To qualify for the 1.5% earn rate, grocery stores must use the Mastercard merchant category code 5411. Most major Canadian grocery chains qualify for Triangle Mastercard rewards, such as:
- Loblaw Companies (including but not limited to):
- Real Canadian Superstore
- No Frills
- Zehrs
- Fortinos
- Provigo
- Wholesale Club
- Atlantic Superstore
- Sobeys and Affiliates:
- Sobeys
- Safeway
- FreshCo
- Foodland
- IGA
- Thrifty Foods
- Metro and Affiliates:
- Metro
- Food Basics
- Super C
- Independent and Regional Chains:
- Longo’s
- Farm Boy
- Save-On-Foods
- Save Easy
- Co-op stores (various provincial affiliates)
- Specialty and Organic Grocers:
- Whole Foods Market
- Organic Garage
- Other Eligible Retailers:
- Giant Tiger (grocery purchases)
- Various independent grocery stores classified under MCC 5411.
Earn Rate: riangle Mastercard offers 1.5% back in CT Money on grocery purchases up to the first $12,000 spent annually (calendar year). After this threshold, the earn rate drops to 0.5% on grocery purchases for the rest of the year.
Which major chains are excluded from grocery earn rates
The below are the notably excluded retailers who do not qualify for the grocery category CT Money earn rate and earn a lower 0.5% CT Money rate instead. These are excluded regardless of the items purchased.
- Walmart and Walmart Superstore
- Costco Wholesale
- Other non-grocery merchants or stores using different MCC codes
Maximize grocery rewards by using your Triangle Mastercard at eligible stores, keeping track of annual spend, and combining rewards with personal and Bonus Day offers.
How to Maximize Grocery Rewards with Triangle Mastercard
- Use your Triangle Mastercard at eligible grocery stores coding under merchant code 5411.
- Track your annual grocery spend to optimize the 1.5% CT Money earn rate up to $12,000.
- Combine grocery purchases with personalized Triangle Rewards offers and Bonus Day promotions for bonus CT Money.
- Redeem your CT Money at Canadian Tire, Sport Chek, Mark’s, and other partner stores for additional value.
Summary Table:
| Grocery Store Type | CT Money Earn Rate | Notes |
|---|---|---|
| Eligible grocery stores (e.g., Loblaw, Sobeys, Metro) | 1.5% on first $12,000 annually | Mastercard merchant code 5411 required |
| Walmart, Walmart Superstore, Costco | 0.5% CT Money | Excluded from grocery category earn rate |
| Other stores | 0.5% or less | Non-grocery or excluded merchants |
