Pros & Cons
Pros
- +Purchase protection included
- +No annual fee
Cons
- –Foreign Transaction Fee (2.5%)
Our Review
The Triangle Mastercard is a no-annual-fee rewards card tied to Canadian Tire’s Triangle program. It is especially valuable if you shop often at the Canadian Tire group of stores.
You earn 4% in CT Money on eligible purchases at Canadian Tire, Sport Chek, Mark’s, Atmosphere, Party City and participating Sports Experts stores, 1.5% in CT Money on groceries (on the first $12,000 per year, excluding Costco and Walmart) and 5¢ per litre in CT Money at participating Essence+, Gas+ and Husky gas stations.
The annual interest rate is 19.99% on purchases and 22.99% on cash advances. A 2.5% foreign transaction fee applies to purchases made in a foreign currency.
Rewards
All Spending
0.8x
Canadian Tire Triangle pts per dollar
Groceries
1.5x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
29,880
Canadian Tire Triangle/yr
Estimated Value
$30
After Fees
+$30
1st Year Value
$30
incl. welcome bonus
Annual rewards breakdown
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Interest Rates
- Purchase Rate19.99%
- Cash Advance22.99%
- Foreign Transaction Fee2.5%
Terms & Conditions
Card Features
- Earn 1.5% in CT Money when you buy groceries (on the first $12,000 per year; excluding Costco and Walmart stores
- Earn 4% on eligible purchases at Canadian Tire, Sport Chek, Mark’s/L’Équipeur, Atmosphere, Party City, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts stores
- Get 5¢ per liter in CT Money at participating Husky gas bars, Gas+ and Gas+ stations every time you fill up
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Noovo Moi may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Triangle. All trademarks are property of their respective owners.