Triangle World Elite Mastercard
Niche cardWhat the roles mean
- Groceries (3% on the first $12,000 a year) and Canadian Tire stores (4%), in Canadian Tire Money, with no annual fee
Welcome offer now
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
$552 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 →
- Groceries (First $12,000 a year, then 1%): 3% back.
- Gas / EV: 3% back.
- Everything else: 1% back.
Highlighted = use this card here.
How to apply for the Triangle World Elite Mastercard
Check first
- Online only: you apply on Canadian Tire Bank's website
- Check you qualify Income: $80,000 personal or $150,000 household. 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
- Groceries: up to $12,000 a year, then 1%. Costco and Walmart do not count
- Canadian Tire group stores: every purchase (Canadian Tire, Sport Chek, Mark's, Atmosphere, Party City, Sports Experts)
- Gas at Gas+, Petro-Canada and Husky: 5¢/litre in CT Money, 7¢ on premium
- Everything else: use another card. This one pays 1%
- Example: $800/month groceries = $288 a year in CT Money
Questions people ask
Is there a Triangle World Elite 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
Triangle World Elite or the regular Triangle Mastercard?
- World Elite, if you qualify: $80,000 personal or $150,000 household income. Both have no annual fee
- Groceries: 3% vs 1.5%. On $800/month: $288 vs $144 a year
- Everything else: 1% vs 0.5%
- Canadian Tire stores: 4% on both
Can I apply in store?
- No. Canadian Tire takes World Elite applications online only
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
Posts about this card
Key facts
- Annual fee
- $0
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- $80,000
- Min. household income
- $150,000
- Rewards
- Canadian Tire MoneySee every Canadian Tire Money card
Annual fee waiver
- No annual fee
From triangle.canadiantire.ca World Elite page, checked October 17, 2026. Not an affiliate link.
More Canadian Tire cards
Best paired with
Rogers Red World Elite
- This card: groceries, gas / ev
- Rogers Red World Elite: dining & restaurants, bills & subscriptions, travel, transit, drugstore / pharmacy, entertainment, everything else
- Together: $726 a year after both fees, vs $552 with this card alone
- Rogers pays 2% with an active Rogers, Fido or Shaw service, 1.5% without
If your stores take Amex: Scotiabank Gold Amex for groceries, dining & restaurants, transit, entertainment 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
- 3% on groceries, up to $12,000 a year
- 4% at Canadian Tire group stores
- 1% on everything else, including bills paid through Triangle
- Canadian Tire Roadside Assistance Gold Plan included (about $99.95 value)
- Purchase and rental-car insurance
Cons
- CT Money can be spent only at Canadian Tire group stores and Gas+
- Grocery rate stops at $12,000 a year; Costco and Walmart excluded
- No welcome bonus advertised
- No travel medical or trip insurance, unusual for World Elite
- Needs $80,000 personal or $150,000 household income
- 2.5% on foreign-currency purchases
Insurance included
- Rental car damage: cars up to $65,000, up to 31 days
- Purchases: 90 days of theft/loss/damage cover, $10,000 a year per account
- Extended warranty: doubles the maker's warranty, up to +1 year ($10,000 a year per account)
Maximums as Canadian Tire lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Roadside Assistance Gold Plan: 5 service calls a year, 1 tow per call
- Gas+: 5¢/litre in CT Money, 7¢ on premium
- World Elite concierge: 24/7
- Triangle app: load offers, track and spend CT Money
Other cards for groceries
Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.
| Card | Earns on groceries | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $960 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 6× points | $576 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 5% back | $480 | $149 | October 21, 2026 |
| National Bank World Elite Mastercard | 5× points | $480 | $150 | October 21, 2026 |
| Desjardins Cash Back World Elite Mastercard | 4% back | $384 | $100 | October 23, 2026 |
| SimplyCash Preferred | 4% back | $384 | $120 | October 21, 2026 |
| Triangle World Elite Mastercard | 3% back | $288 | $0 | October 28, 2026 |
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 World Elite 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: $80k / $150k income, online applications only, 3% grocery, 5¢–7¢/L fuel (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: $80k / $150k income, 3% grocery to $12k, 21.99% / 22.99% APRs, 2.5% FX | $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 and compare page is 21.99% (doc had 20.99%), cash-advance fee 3% up to $10 (doc had $4). Applications online only | $0 (no annual fee) | none stated |
General information, not financial advice. Offers change; confirm on Canadian Tire's page before you apply.