Sarah K.Toronto, ON · Mar 2026
★★★★★
Outdoor family. Spend $200/month at SportChek + Mark's + Canadian Tire. Earn $120/year in CT Money. Plus 4% gas. Best $0 fee card for our lifestyle.
Overview
The Triangle World Elite Mastercard is the premium tier of Canadian Tire's co-branded credit card lineup. Issued by Canadian Tire Bank, it earns Canadian Tire Money (CT Money) — the Canadian Tire loyalty currency that redeems at Canadian Tire family stores.
You earn 5% CT Money at Canadian Tire + Mark's + SportChek + Atmosphere + Party City + Sport Chek + L'Équipeur, 4% on gas (any station via Canadian Tire gas bars or others), 3% at Canadian Tire grocery banners (Canadian Tire grocery + Costa Rica + select), and 1% on everything else.
CT Money redeems at 1 cent per dollar at Canadian Tire family stores. No annual fee. For Canadian Tire-loyal households spending $300+/month across the Canadian Tire family, the rewards alone exceed any reasonable card holding requirement.
Welcome bonus
★ NEW CARDHOLDER OFFER
Earn $200 CT Money + 5% bonus for first 2 months
5% bonus CT Money on first $5,000 spend within first 2 months. Strong welcome offer.
$200 + 5% bonus
Spend $500 in first 3 months
≈ $200+ CT Money + bonus rewards
Rewards & earn rates
Here's exactly what you earn per dollar across every category — and where this card pulls ahead of the field.
5%x
Canadian Tire family storesCanadian Tire, Mark's, SportChek, Atmosphere, Party City
4%x
GasCanadian Tire gas bars + most other gas stations
3%x
GroceriesCanadian Tire grocery banners + select grocery stores
1%x
Everything elseAll other purchases
Benefits & perks
Beyond the rewards, here are the perks worth knowing about.
🏪Canadian Tire ecosystem
Earn + redeem at Canadian Tire + Mark's + SportChek + Atmosphere stores.
⛽Gas + grocery rewards
4% gas + 3% groceries even at non-Canadian Tire locations.
🛡️Standard Mastercard insurance
Purchase protection + extended warranty + mobile coverage.
Fees & rates
The numbers that show up on your statement.
ANNUAL FEE$0Truly no-fee
PURCHASE APR19.99%Below average
FX MARKUP2.5%⚠ Not FX-free
MIN INCOME$80,000 personalWorld Elite tier
Pros and cons
✓ PROS
- 5% at Canadian Tire family stores is excellent
- 4% on gas covers commute spending well
- 3% on groceries adds broader value
- $0 annual fee — pure profit
- CT Money familiar and easy to redeem
- Strong welcome bonus (5% bonus first 2 months)
✗ CONS
- CT Money only redeems at Canadian Tire family stores
- 2.5% FX markup
- 1% baseline outside categories is low
- No travel insurance package
Who it's for
★ APPLY IF
- Canadian Tire-loyal households spending $300+/month across family stores
- Mark's + SportChek + Atmosphere shoppers
- Gas users wanting solid rebate
- Outdoor + DIY enthusiasts
✗ SKIP IF
- Households without Canadian Tire family loyalty
- International travelers (FX markup + no insurance)
- Premium card seekers
- Buyers wanting transferable rewards
How it compares
We pitted this card against its closest rivals.
How to apply
The eligibility checklist before you hit the application button.
MIN CREDIT SCORE700+ recommended
MIN INCOME$80,000 personal / $150,000 household
OTHER ELIGIBILITYCanadian resident · 18+
DECISION TIME5-7 business days
Editor's verdict
7.9/10
★★★½★
FINAL VERDICT
Essential for Canadian Tire family loyalists.
For households shopping regularly at Canadian Tire + Mark's + SportChek, the 5% CT Money + 4% gas + 3% groceries combo at $0 fee is genuinely competitive. For non-Canadian Tire shoppers, the rewards are stranded at Canadian Tire stores. Match the card to your retail loyalty.
Apply for Triangle WE ↗User reviews
What current and former cardholders are saying. Aggregated from Trustpilot, Reddit (/r/PersonalFinanceCanada), and our own community comments.
4.2 / 5 ★
678 reviews
Michael P.Calgary, AB · Feb 2026
★★★★★
Solid for DIY + home improvement. Less useful when I'm not at Canadian Tire stores. Use alongside Amex Cobalt for grocery + dining.