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Mr. Loonie
Triangle™ World Elite Mastercard®

Triangle™ World Elite Mastercard®

7.6
Good
Expert Score · 5 reviews How we score

Best for: Canadian Tire shoppers with higher income who want more CT Money on groceries and gas

Your spending a month
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
Every year
$552

Ranked #69 of 176 for year one. See the list

See how we worked it out
Purchases
0% for 24 months
No fee fee, then 21.99%
Annual fee
None
Apply now on Canadian Tire’s site (opens in a new tab)
Needs $80,000 personal or $150,000 household income
We may get paid if you apply through this link. It never changes our score.

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

Is it for me? What you’d earn Can I get it? Fees Similar cards
2 quick questions

Is it for me?

Is your personal income $80,000 or more, or your household’s $150,000 or more?

Do you pay your card off in full most months?

Answer the 2 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 3% back on groceries
  • Good: No annual fee It costs nothing to keep.

Watch for

  • 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.

Show your work

What you’d earn

With typical spending of $2,500 a month.

Canadian Tire Money valued at 100¢ each.

  • Groceries $288
    3% back $800 a month · $288 a year
  • Restaurants $30
    1% back $250 a month · $30 a year
  • Gas $30
    1% back $250 a month · $30 a year
  • Recurring bills $30
    1% back $250 a month · $30 a year
  • Travel $18
    1% back $150 a month · $18 a year
  • Everything else $78
    1% back $650 a month · $78 a year
  • Foreign currency $18
    1% back $150 a month · $18 a year
For you Year one Later years
Points you earn0 Canadian Tire Money a year, at 100¢ each $492 $492
Annual fee $0 $0
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Rental car damage cover1 rental of 3 days at $35 a day $105 $105
Total $552 $552

Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.

What counts in each category
Groceries
3% back Up to $12,000 in spending per year.
Everything else (base rate)
1% back
  • 4% cash back on purchases made on almost everything at Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Party City, Atmosphere, Pro Hockey Life, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts
  • Collect 5¢ back per litre in CT Money on regular/mid-grade fuel and 7¢ per litre on premium fuel at Gas+ pumps
    • 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

    Before you apply

    Can I get it?

    • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
    • Where you live Canada
    • Personal income $80,000 or more Issuer says
    • Household income $150,000 or more Issuer says
    • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

    Checked on Nov 8, 2026. Source

    Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

    What critics say

    Other reviewers on this card

    7.6
    Good
    Expert Score How we score
    • Frugal Flyer (opens in a new tab) May 2026

      “Similar to the PC Financial World Elite Mastercard, the Triangle World Elite card could be a great addition to your wallet if you find yourself occasionally shopping at retailers that have accelerated CT Money earning rates, or if you have large expenses every year like taxes or tuition that can’t otherwise be paid with a credit card. Of course, you are limited as to where CT Money can be redeemed, so you would need to be fine with redeeming your rewards only at the retailer options available.”

    • Money.ca (opens in a new tab) Apr 2025
      6

      “The Canadian Tire Triangle® World Elite® Mastercard® is perfect for Canadian Tire and Triangle® store shoppers as you can accumulate CT Money on all of your regular purchases, without having to worry about an annual fee. Best of all, you get additional perks such as roadside assistance and 24-hour concierge services.”

    • SAVVY New Canadians (opens in a new tab) May 2023
      9.6

      “My review of the Triangle World Elite Mastercard is positive. I particularly like that it saves me the cost of a CAA membership ($100 plus tax) every year, and I can earn 4% in CT Money when I shop at Canadian Tire and Sport Chek. A few downsides to the card include their exclusion of Walmart and Costco from the list of grocery stores from which you can earn 3% in rewards. Also, you need a high personal income of $80,000 or $150,000 in household income to qualify for the card.”

    • Money We Have (opens in a new tab) Oct 2022

      “My Triangle World Elite Mastercard review is positive. The free roadside assistance gold plan alone makes this card worthwhile. You’re basically getting a $100 service for free every year. While the no interest financing option that comes with the card is interesting, it’s not something you want to rely on. For those who shop at Canadian Tire on a regular basis, there’s definitely value with this card and loyalty program.”

    • GreedyRates.ca (opens in a new tab) Mar 2018

      “A good fit for Canadian families who spend significant amounts on groceries and gas and shop regularly at stores in the Canadian Tire network.”

    What cardholders say

    Ratings from people with this card

    No ratings yet. If you have this card, tell others what it’s like.

    Applied and weren’t approved?

    Insurance and perks

    What comes with it

    • Car rental damage Included
    • Extended warranty Included
    • Purchase protection Included
    • Access personalized offers, sent straight to your Triangle app
    • Roadside Assistance Gold Plan
    Coverage limits

    We haven’t recorded the coverage limits for this card yet. Read Canadian Tire’s insurance certificate before you count on any coverage.

    Not included

    Not listed for this card: travel medical, trip cancellation, trip interruption, flight delay, lost baggage and mobile device.

    Fees and interest

    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
    Source
    Issuer page

    Read the card terms and conditions for the full terms.

    Checked on Nov 8, 2026. Source

    Before you decide

    Similar cards for the same spending

    With typical spending. This card: $552 year one, $552 every year after.

    See all cards ranked for your spending

    Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

    Common questions

    Questions people ask

    What is the annual fee on the Triangle™ World Elite Mastercard®?

    There is no annual fee.

    What income do I need?

    Canadian Tire asks for $80,000 in personal income.

    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%.

    Does it include insurance?

    It lists extended warranty and purchase protection. Read the insurance certificate for the limits.

    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.

    Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

    $552
    a year for you
    Apply now on Canadian Tire’s site (opens in a new tab)
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