Triangle Mastercard
Niche cardWhat the roles mean
- Canadian Tire, Sport Chek, Mark's and Party City: 4% back in Canadian Tire Money, with no annual fee
No welcome bonus on Canadian Tire's site right now (checked October 21, 2026).
Checked on Canadian Tire's own page October 28, 2026. See Canadian Tire's page
What it earns in a year
$321 back a year
No annual fee to take off.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Gas / EV: 3% back.
- Groceries (First $12,000 a year, then 1%): 1.5% back.
- Everything else: 0.5% back.
Highlighted = use this card here.
How to apply for the Triangle Mastercard
- Check you qualify No minimum income listed. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on Canadian Tire's own site Apply online from the bank's product page. This isn't an affiliate link: we earn nothing if you apply.Apply on Canadian Tire's site →
How to use it
- Canadian Tire group stores: every purchase (Canadian Tire, Sport Chek, Mark's, Atmosphere, Party City, Sports Experts)
- Gas at Gas+, Petro-Canada and Husky: about 5¢/litre in CT Money
- Groceries: 1.5% on the first $12,000 a year (1% after); Costco and Walmart do not count. A grocery card does better
- Everything else: use another card. This one pays 0.5%
- Example: $800/month groceries = $144 a year in CT Money
Questions people ask
Is there a Canadian Tire Mastercard promo code?
- No. Canadian Tire's own page shows no promo code and no sign-up bonus (checked October 28, 2026)
- Last sign-up bonus: $150 in CT Money for applications by May 21, 2026, through a special link (reported by Rewards Canada; it also ran in May 2024)
- Our advice: wait for the next one. Nothing is running now, and the bonus only comes with a new application
- Some sign-up bonuses run only through a special application link. Before you count on one, check that it goes to triangle.canadiantire.ca and hasn't ended
Is it worth getting without a bonus?
- Worth having if you shop at Canadian Tire, Sport Chek or Mark's, but wait for the next bonus first. 4% back, no annual fee
- Example: $500 a year at Canadian Tire stores = $20 in CT Money, plus $144 a year on $800/month groceries
- Groceries are your big spend: the Triangle World Elite pays 3% instead of 1.5%, also with no fee, if you earn $80,000 (or $150,000 household)
How much does a cash advance cost?
- Fee: 3% of the amount, up to $10
- Interest: 22.99% (21.99% in Quebec)
- Example: a $200 cash advance costs a $6 fee, then interest until you pay it back
Where can I spend CT Money?
- Canadian Tire, Sport Chek, Mark's, Atmosphere, Party City and Gas+, in store or in the Triangle app
- $1 in CT Money = $1 off. No cash-out
Posts about this card
Key facts
- Annual fee
- $0
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- None published
- Min. household income
- None published
- Rewards
- Canadian Tire MoneySee every Canadian Tire Money card
Annual fee waiver
- No annual fee
From triangle.canadiantire.ca Triangle Mastercard page, checked October 17, 2026. Not an affiliate link.
More Canadian Tire cards
Neo World Elite Mastercard
- This card: gas / ev
- Neo World Elite Mastercard: groceries, dining & restaurants, bills & subscriptions, travel, transit, drugstore / pharmacy, entertainment, everything else
- Together: $703 a year after both fees, vs $321 with this card alone
If your stores take Amex: Scotiabank Gold Amex for groceries, dining & restaurants, bills & subscriptions, travel, transit, drugstore / pharmacy, entertainment, everything else makes it $888 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- No annual fee
- 4% at Canadian Tire group stores
- CT Money is worth $1 for $1 at those stores
- No minimum income
Cons
- CT Money can be spent only at Canadian Tire group stores and Gas+
- 0.5% on everything else
- Grocery rate stops at $12,000 a year; Costco and Walmart excluded
- No welcome bonus advertised
- No insurance included (only paid add-ons)
- 2.5% on foreign-currency purchases
- 21.99% purchase interest; 25.99% if you are not approved at the standard rate
Insurance included
- None
Maximums as Canadian Tire lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Gas+: about 5¢/litre in CT Money
- Triangle app: load offers, track and spend CT Money
Other cards for gas / ev
Back a year on $3,000 of gas / ev, caps included. Points at best-case value. Before annual fees.
| Card | Earns on gas / ev | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| SimplyCash Preferred | 4% back | $120 | $120 | October 21, 2026 |
| Amex Cobalt | 2× points≈ 4.0% in value | $120 | $192 | October 21, 2026 |
| Amex Gold Rewards | 2× points≈ 4.0% in value | $120 | $250 | October 21, 2026 |
| CIBC Aventura Visa Infinite Privilege | 2× points≈ 4.0% in value | $120 | $499 | October 21, 2026 |
| CIBC Dividend Visa Infinite | 4% back≈ 3.9% in value | $118 | $120 | October 21, 2026 |
| BMO eclipse Visa Infinite | 5× points≈ 3.4% in value | $101 | $120 | October 21, 2026 |
| Triangle Mastercard | 3% back | $90 | $0 | October 28, 2026 |
How the offer has changed
One row per check of Canadian Tire's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 28, 2026 | No welcome bonus or promo code shown on the card pageUnchanged: 4% at Canadian Tire group stores, 5¢/L at Gas+ and Petro-Canada, 1.5% grocery (screenshot of the top of the page only) | $0 (no annual fee) | none stated |
| October 21, 2026 | No welcome bonus advertised on the card page or the credit-cards listing pageUnchanged: 21.99% / 22.99% APRs, 2.5% FX, cash-advance fee 3% up to $10, rates box effective March 26, 2025 | $0 (no annual fee) | none stated |
| October 17, 2026 | No welcome bonus advertised on the card page or the compare pageOffer unchanged (none). Purchase APR on the page is 21.99% (doc had 20.99%), cash-advance fee 3% up to $10 (doc had $4), grocery over the $12k cap earns 1% per footnote 2 (doc had 0.5%) | $0 (no annual fee) | none stated |
General information, not financial advice. Offers change; confirm on Canadian Tire's page before you apply.