Overview of the Canadian Tire Triangle® Mastercard®

Canadian Tire Triangle® Mastercard®

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Earning categories

On almost everything at Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Party City, Pro Hockey Life, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, and participating Sports Experts stores.

1.5%

On groceries (on the first $12,000 per year; excludes Costco and Walmart).

0.5%

On everywhere else you shop.

Canadian Tire Triangle® Mastercard® details

Annual fee: $0
Reward: Earn 4% on almost everything at Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Party City, Pro Hockey Life, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, and participating Sports Experts stores., 1.5% on groceries (on the first $12,000 per year; excludes Costco and Walmart)., 0.5% on everywhere else you shop.
Average point value: $1
Purchase interest rate: 21.99%
Cash advance interest rate: 22.99%
Balance transfer interest rate: 22.99%
Minimum income: Any amount
Household income: Any amount
Recommended credit score: 660+
Payment network: Mastercard
Provider: Canadian Tire
Card type: Cash back

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BMO CashBack® MasterCard®*
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RBC Cash Back Mastercard®
Get up to 7% cash back for the first 3 months on up to $1,000 in total purchases^. Apply by September 9, 2026
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Detailed card summary

Benefits & features

No Annual Fee
Earn 4% in CT Money on almost everything at Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Party City, Pro Hockey Life, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, and participating Sports Experts stores.
Earn 1.5% in CT Money when you shop at grocery stores (on the first $12,000 per year; excludes Costco and Walmart).
Collect 5¢ per litre in CT Money when you fill up at Gas+ locations.
Earn 0.5% CT Money everywhere else you shop.
Redeem your CT Money in-store at Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Party City, Pro Hockey Life, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, and participating Sports Experts stores.
No fee, no interest financing on equal monthly payments with your Triangle Mastercard when you spend $150 or more on qualifying purchases at any of our participating retailers.

How to redeem

How to get approved

Legal

^†The Triangle Rewards Program is owned and operated by Canadian Tire Corporation, Limited. Triangle® Mastercard®, Triangle® World Mastercard® and Triangle® World Elite® Mastercard® are issued by Canadian Tire Bank. Rewards are in the form of electronic Canadian Tire Money® (CT Money®). Not all items sold at Canadian Tire, Sport Chek, Atmosphere, Mark’s, L’Équipeur, Party City, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, and participating Sports Experts are eligible to earn CT Money or to be redeemed for. Available in-store only at Sports Experts, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey. Certain Sports Experts stores or rental shops may not participate. Not available at out-of-store events. Conditions apply. Visit Triangle Rewards: Sign Up & Earn Today for full program rules and Partner location information. The offered rate is exclusive of any bonus or promotional offers or redemption transactions. CT Money is collected on the pre-tax amount of the purchase at Canadian Tire, Sport Chek, Atmosphere, Mark’s and Sports Experts.
* Participating retailers: Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Atmosphere, Party City, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts stores.
¹ CT Money is collected on the number of whole litres of fuel (gasoline or diesel) purchased when you pay with your Triangle credit card, rounded down to the nearest whole litre. Rate subject to change and could vary by location. Not all Gas+ locations have premium fuel. Petro-Canada is a Partner in the Triangle Rewards program. Visit the Partners page at Triangle.com for details and exclusions.
² 1.5% and 3% earn rate applies to the first $12,000 in annual spend at grocery stores with Mastercard merchant code 5411. Excludes purchases at Walmart, Walmart Superstore and Costco. After that, your earn rate will be 0.5% for Triangle Mastercard or 1% for Triangle World Elite Mastercard. For examples of qualifying grocery merchants, visit Merchant List | Triangle . Annual spend is based on a calendar year of January 1 – December 31.
³Example is for illustrative purposes only. Excludes bonus offers. Annual CT Money earned based on monthly spend in each category x 12. CT Money is issued by Canadian Tire Corporation, Limited pursuant to the Triangle Rewards Program. Conditions and restrictions apply. Visit triangle.com for details. “Favourite Stores” consists of Canadian Tire, Sport Chek, Party City, Mark’s, L’Équipeur, Atmosphere, Pro Hockey Life, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, and participating Sports Experts. CT Money at Favourite Stores calculated on the pre-tax amount of the purchase at a rate of 4%. Not all items sold at these stores qualifies to earn CT Money. 1.5% grocery earn rate applies to the first $12,000 in annual grocery spend at stores with Mastercard merchant code 5411. Excludes purchases at Walmart, Walmart Superstore, and Costco. Amount of CT Money earned at Gas+ and Petro-Canada locations calculated based on the monthly amount entered divided by $1.70/L to determine number of litres purchased and a posted rate of 5¢ per litre in CT Money. CT Money is collected on the number of whole litres of fuel purchased, rounded down to the nearest litre. Posted rate of CT Money subject to change and could vary by location, see local gas bar for details. Actual price of fuel may vary. 0.5% everywhere else purchases excludes cash transactions.
^{^} Financing available is “Equal payments, no interest” for 24 months (unless otherwise stated) and is only available on request, on approved credit and on purchases of $150 (unless otherwise stated) or more (Gift Cards excluded) made with your Triangle credit card at Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts. Interest does not accrue during the period of the plan. However, if we do not receive the full minimum due on a statement within 59 days of the date of that statement, or any event of default (other than a payment default) occurs under your Cardmember Agreement, all special payment plans on your account will terminate and (i) you will then be charged interest on the balances outstanding on such plans at the applicable regular annual rate from the day after the date of your next statement, and (ii) the balances outstanding will form part of the balance due on that statement. There is no administration fee charged for entering into a special payments plan. Each month during an equal payments plan you are required to pay in full by the due date that month’s equal payments plan instalment. Any unpaid portion not received by the due date will no longer form part of the equal payments plan and interest will accrue on that amount from the day after the date of your next statement at the applicable regular annual rate. Offer subject to change without notice.