Best for: Canadian Tire shoppers who want CT Money with no annual fee
What’s in each?
- Light:
- Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical:
- Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big:
- Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
- Yours:
- Your own amounts, saved on this device only
- Purchases
- 0% for 24 months
- No fee fee, then 21.99%
- Annual fee
- None
Have this card?
Details from Canadian Tire’s site. Banks can update terms at any time, so give them a quick look before you apply. Source
The good and the bad
Stands out
- Good: 1.5% back on groceries
- Good: No annual fee It costs nothing to keep.
Watch for
- Watch for: Everything else earns 0.5% back That’s low for everyday spending.
- Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.
Worked out from the card’s rates and fees.
What you’d earn
With typical spending of $2,500 a month.
Canadian Tire Money valued at 100¢ each.
Rows are rounded to the dollar.
What counts in each category
- Groceries
- 1.5% back Up to $12,000 in spending per year. Excludes Costco and Walmart
- Everything else (base rate)
- 0.5% back
How Canadian Tire Money work, and why 100¢
We count Canadian Tire Money at 100¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 100¢ to 100¢.
We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.
These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.
Checked on Nov 8, 2026. Source
Can I get it?
- Age 18 or older 19 or older in BC, NB, NL, NS and the territories
- Where you live Canada
- Credit score No minimum on record Most banks don’t publish one, and we don’t guess.
Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.
Other reviewers on this card
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Money.ca (opens in a new tab) May 20256
“The Canadian Tire Triangle® Mastercard® offers a decent range of benefits that make it worth considering for a somewhat niche audience. With No annual fee, cardholders can earn Canadian Tire Money on their everyday purchases which can then be redeemed at more than 10 different Canadian Tire brands. Additionally, the card provides access to exclusive offers and discounts, making it a valuable tool for Canadian Tire shoppers.”
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Forbes (opens in a new tab) May 20233.8
“If you like a no frills credit card with a simple rewards structure, the Triangle Mastercard fits the bill. This credit card offers 4% cash back in CT Money (the modernized, digital form of Canadian Tire money) at a handful of retailers and 1.5% at grocery stores. However, the rewards drop off to 0.5% for purchases made outside of the Canadian Tire network. While the Triangle Mastercard earns points for having no annual fee and a respectable 1:1 ratio for earnings, it misses the mark on flexibility, since you can only earn cash back in CT Money, which can only be redeemed at partner stores and can’t be converted into cash.”
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Wealth Rocket (opens in a new tab) Nov 20229.2
“If you shop regularly at Canadian Tire or its affiliated stores, then the Triangle Mastercard credit card is a great way for you to increase your Canadian Tire Money faster. To make the best out of your Triangle Mastercard, make sure that you are paying off your balance in full every month, so you do not owe any interest on your purchases.”
-
“If you shop at Canadian Tire and love collecting Canadian Tire Money (CT Money), you should consider getting one of their popular credit cards. The Triangle Mastercard and its premium counterpart, the Triangle World Elite Mastercard, amplify the CT Money you earn when you shop online and in-store at Canadian Tire store locations. These cards also allow you to save money when you purchase gas at Canadian Tire-affiliated gas stations, including Gas+ and Essence+ locations.”
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Money We Have (opens in a new tab) Jan 2022
“My Triangle Mastercard review is neutral. It may not be an ideal card for everyday purchases, but, the no fee, no interest financing option is unique to this card which will likely make it appealing to some people.”
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MoneyGenius (opens in a new tab) Sep 20206.6
“The Canadian Tire Triangle Mastercard has received 3.3 stars for a few reasons. If you frequently make purchases at Canadian Tire, Sport Chek, Mark’s, or Atmosphere stores, you’ll boost your Canadian Tire Money earn rate significantly. You can also get bonus Canadian Tire Money for gas purchases, but only at participating gas stations. It also has no annual fee. Other than that, this credit card doesn’t have a lot going for it. Your rewards aren’t really cash back, since you’re earning Canadian Tire Money which can only be used at Canadian Tire stores.”
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What comes with it
- Access personalized offers, sent straight to your Triangle app
What it costs
- Annual fee
- None
- Purchase interest
- 21.99%
- Cash advance interest
- 22.99%
- Foreign currency fee
- 2.5%
All fees and rates
Fees
- Cash advance fee
- $4.00
- Source
- Issuer page
Interest rates
- Balance transfer interest
- 22.99%
- Intro rate: purchases
- 0% for 24 months, fee No fee
Read the card terms and conditions for the full terms.
Checked on Nov 8, 2026. Source
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With typical spending. This card: $201 year one, $201 every year after.
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Questions people ask
What is the annual fee on the Triangle™ Mastercard®?
There is no annual fee.
Does it charge a foreign transaction fee?
Yes, 2.5% on purchases in other currencies.
What is the interest rate?
21.99% on purchases. Cash advances are 22.99%.
Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.
Spot something wrong? We’ll check it with the bank. Suggest a correction
Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.
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