Triangle World Elite Mastercard
Canadian Tire Bank · Mastercard
Drivers and Canadian Tire/Sport Chek shoppers who want strong no-fee rewards plus free roadside assistance.
VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Our verdict
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.
Reward rates
Canadian Tire, Sport Chek, Mark's, Party City & partner stores 4% back in CT Money at Triangle partner stores | 4% |
Groceries First $12,000 per year (1% after); excludes Costco and Walmart | 3% |
Gas stations Plus 5 cents per litre in CT Money (7 cents/L on premium) at Gas+, Essence+ and participating Husky stations | 1% |
Everything else 1% back in CT Money | 1% |
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
- 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
Frequently asked questions
Is the Triangle World Elite Mastercard worth it?
It has no annual fee, and we rate it 4.1 out of 5. It's best suited to drivers and Canadian Tire/Sport Chek shoppers who want strong no-fee rewards plus free roadside assistance. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the Triangle World Elite Mastercard earn?
It earns 4% on canadian tire, sport chek, mark's, party city & partner stores, 3% on groceries and 1% on gas stations.
What credit score do you need for the Triangle World Elite Mastercard?
We'd suggest a score of around 725 or higher, which puts approval in our "hard" band. It also lists an income requirement of $80,000 personal or $150,000 household. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed June 2026 · How we research
“Triangle World Elite Mastercard Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/canadian-tire-triangle-world-elite-mastercard, updated June 2026.
- Canadian Tire Bank cardholder agreement and rates & fees disclosure
- VaultNerd cards database