Guru Pickcash backno fee

Triangle World Elite Mastercard

4% canadian tire, sport chek, mark's, party city & partner stores — 4% back in CT Money at Triangle partner stores
3% groceries — First $12,000 per year (1% after); excludes Costco and Walmart
1% gas stations — Plus 5 cents per litre in CT Money (7 cents/L on premium) at Gas+, Essence+ and participating Husky stations

Annual fee: No annual fee
Interest rates: Purchases
21.99%
Cash advances
22.99%
Foreign transactions: 2.5%

Rated 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

Compare Triangle World Elite Mastercard with…

vs Wealthsimple Credit Card vs Tangerine Money-Back Credit Card

Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team

Terms & conditions

Rates and offers change. Every rate, fee, welcome offer and benefit on this page was accurate when last reviewed, but Canadian Tire Bank can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on Canadian Tire Bank's own website before you apply.

Eligibility is theirs to decide. Approval, credit limits, interest rates and welcome offers depend on your credit history and Canadian Tire Bank's own criteria. Bonuses often exclude anyone who has held the card before, and usually require a minimum spend within a set period.

This is not advice. The reviews and ratings here are our editorial opinion, not financial, tax or legal advice, and not a recommendation for your circumstances. Speak to a qualified professional before making a financial decision.

How we make money. CreditCardGuru may earn a commission when you apply through links on this page. It never affects our ratings or what we write — see our advertiser disclosure and rating methodology.

CreditCardGuru is not affiliated with Canadian Tire Bank. Trademarks belong to their respective owners.

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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

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.