cash-back4.1 / 5

Triangle World Elite Mastercard

Canadian Tire Bank

Best for

Drivers and Canadian Tire/Sport Chek shoppers who want strong no-fee rewards plus free roadside assistance.

Apply on Canadian Tire Bank

Annual fee

None

FX fee

2.5%

Purchase APR

21.99%

Income req.

$80,000 personal / $150,000 household

Recommended credit score

725+

Approval difficulty

Hard approval

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

Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site — this does not influence our editorial content.

Written by

The VaultNerd Team

Researching and writing about Canadian credit cards and rewards since 2026.

Cite this page

“Triangle World Elite Mastercard Review — VaultNerd” — VaultNerd, https://www.vaultnerd.com/credit-cards/canadian-tire-triangle-world-elite-mastercard, updated June 2026.

Sources

Canadian Tire Bank cardholder agreement and rates & fees disclosure
VaultNerd cards database