BMO® CashBack World Elite Mastercard®
4.5·Big grocery spenders who want the highest cash back rate
- Annual fee
- $120/yr
- Welcome bonus
- ~$260
- Top reward
- 5% groceries
- Highest headline grocery cash-back rate in Canada
- Strong transit and gas categories
Triangle® World Elite Mastercard® review
4.1Rated by the CreditCardGuru Editorial Team
Arguably Canada's best store-branded card: 3% on groceries, 4% at Triangle stores and free Gold roadside assistance, all for $0 a year. Just be content redeeming rewards within the Canadian Tire family.
At a glance
- Annual fee
- No annual fee
- Foreign tx fee
- 2.5%
- Network
- MASTERCARD
- Rewards
- cash back
- Purchase APR
- 21.99%
Rewards & earn rates
| Canadian Tire, Sport Chek, Mark's, Party City & partner stores4% back in CT Money at Triangle partner stores | 4% |
| GroceriesFirst $12,000 per year (1% after); excludes Costco and Walmart | 3% |
| Gas stationsPlus 5 cents per litre in CT Money (7 cents/L on premium) at Gas+, Essence+ and participating Husky stations | 1% |
| Everything else1% back in CT Money | 1% |
Pros & cons
Pros
- Outstanding value for a no-fee card: 4% at Canadian Tire family stores and 3% on groceries
- Free Gold roadside assistance is a genuine ~$100 annual perk
- Unique bill-pay feature earns rewards on normally card-ineligible bills
Cons
- CT Money can only be spent at Canadian Tire family retailers
- No travel insurance and no welcome bonus
- CT Money expires after 18 months of account inactivity
Perks & insurance
Key perks
- Free Canadian Tire Roadside Assistance Gold plan (normally ~$100/year) with towing up to 250 km
- Personalized, stackable Triangle Rewards bonus offers via the Triangle app
- Bill Pay feature earns CT Money on payments like tuition and property taxes
- CT Money redeems like cash ($1 = $1) at Canadian Tire family stores
- Perkopolis discounts through roadside membership
Insurance
- Purchase security (90 days)
- Extended warranty
- Rental car collision/loss damage waiver
Rates & fees
- Annual fee
- None
- Purchase interest
- 21.99%
- Cash advance
- 22.99%
- Foreign transactions
- 2.5%
- Min. personal income
- $80,000
Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team
Similar cards to consider
CIBC® Dividend® Visa® Infinite Card
4.5·Households with heavy grocery and gas spend who want maximum cash back.
- Annual fee
- $120/yr
- Welcome bonus
- ~$350
- Top reward
- 4% groceries
- 4% on gas and groceries is among the highest in Canada
- Strong 2% middle tier covers dining, transit and bills
Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.
Written by
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CreditCardGuru Editorial Team
Rewards & Cards Research
Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.
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Cite this page
“Triangle® World Elite Mastercard® Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/canadian-tire-triangle-world-elite-mastercard, updated June 7, 2026.