BMO
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
Top pickcash backno fee
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
Top pickCIBC
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