Reviewed by Jen, founder of MoneyMint · Updated September 25, 2026

Canadian Tire BankRetail Rewards Card

Canadian Tire Triangle Mastercard

Our take: strongest for groceries — about 1.5% back in value (est.) with no annual fee.

No current welcome offer confirmed as of August 2026 — see note below

Goes straight to Canadian Tire Bank
Our review

The Triangle Mastercard is a no-annual-fee Mastercard issued by Canadian Tire Bank that earns Canadian Tire (CT) Money on everyday purchases, with the strongest returns reserved for spending at Canadian Tire and its affiliated retail banners (Sport Chek, Mark’s, and others) and at Gas+/Petro-Canada fuel stations. It suits shoppers who buy regularly from the Canadian Tire family of stores and want a fee-free way to earn store credit, but its 0.5% base rate and narrow redemption options make it a weaker fit for general everyday spending.

2.4out of 5

MoneyMint rating

#34 of 34 no-fee rewards cards · How we rate

Rewards value

1/10

Insurance

0/10

Flexibility

8/10

Welcome bonus

0/10

Fee value

10/10

Perks

0/10

≈ $141

estimated first-year value after the annual fee, on a typical $2,050/month budget. See it for your spending →

At a Glance

Annual Fee

Foreign Transaction Fee

2.5%

Suggested Credit Profile

Not disclosedno minimum credit score published

Rewards

~1.5%on groceries (est. value)

Purchase APR 21.99% · Cash Advance APR 22.99%

Pros & Cons

Pros

4% CT Money at Canadian Tire and partner banners (Sport Chek, Mark’s, Atmosphere, Party City, and others)
5¢/litre CT Money at Canadian Tire Gas+ and Petro-Canada
1.5% CT Money on groceries, up to $12,000 in spend per year
$0 annual fee
CT Money redeemable $1-for-$1 at participating stores, no minimum stated
Occasional no-interest financing offers on qualifying purchases of $150 or more

Cons

Only 0.5% CT Money on purchases outside the bonus categories
CT Money has narrow redemption value — mainly usable at Canadian Tire-family stores, not general cash back
Purchase (21.99%) and cash advance (22.99%) APRs are on the higher side for a no-fee card
2.5% foreign transaction fee
No welcome bonus currently advertised
No purchase protection or extended warranty on this base tier — both are World Elite-only benefits

Rewards & Earn Rates

Canadian Tire & partner stores4% CT MoneySport Chek, Mark’s, Atmosphere, Party City, Pro Hockey Life, and other Triangle-affiliated banners

Gas+ & Petro-Canada5¢/litre CT Moneyflat per-litre rate, not a percentage

Groceries1.5% CT Moneyfirst $12,000/yr; Costco and Walmart excluded

All other purchases0.5% CT Moneybase/default rate

This base card does not include purchase protection or extended warranty. Canadian Tire lists both only under the Triangle World Elite Mastercard, tied to the certificate of insurance in that card’s welcome kit.

Who It’s For

Best for

Frequent shoppers at Canadian Tire, Sport Chek, Mark’s, or Gas+/Petro-Canada
Anyone who wants a no-fee card without a complicated points program
Shoppers who regularly use Canadian Tire’s no-interest financing promotions

Not ideal for

Anyone who wants flexible cash back redeemable broadly, not just at one retail family
Frequent travelers who want built-in travel or purchase insurance
Big spenders outside the CT-family and grocery bonus categories, where 0.5% is uncompetitive
Frequent foreign-currency purchasers, given the 2.5% conversion fee

Not Sure? Three Cards People Compare It With

All cash back cards →

RBC Visa Platinum

Pick this instead if travel insurance matters more to you.

Fee $0Rating 2.7 ★

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Neo Mastercard

Pick this instead if you’re building credit and want a no-fee card with a secured option (it requires Neo’s Build membership).

Fee $0Rating 2.9 ★

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Walmart Rewards Mastercard

Pick this instead if most of your spending is everyday spending (~1% est.).

Fee $0Rating 2.7 ★Bonus $25

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2.4MoneyMint rating

Canadian Tire Triangle Mastercard

Best for groceries · No annual fee

Apply on Canadian Tire’s site →Find a better fit

Jen, founder of MoneyMint

Reviewed by Jen. Every figure on this page was checked against Canadian Tire’s official card page on September 25, 2026. How we rate cards →

This is general information, not personalized financial advice — consider your own spending habits and consult a professional for decisions specific to your situation. Rates, fees, and offers are set by Canadian Tire Bank and can change without notice; always confirm current terms on the issuer’s official page before applying.

Frequently Asked Questions

What is the annual fee for the Canadian Tire Triangle Mastercard?

The Canadian Tire Triangle Mastercard has an annual fee of $0 (no annual fee).

What is the rewards rate on the Canadian Tire Triangle Mastercard?

The Canadian Tire Triangle Mastercard offers: 4% CT Money at Canadian Tire and Triangle-affiliated banners (Sport Chek, Mark’s, Atmosphere, Party City, and others); 5 cents/litre CT Money at Canadian Tire Gas+ and Petro-Canada; 1.5% CT Money on groceries (first $12,000/yr, Costco and Walmart excluded); 0.5% CT Money on everything else.

Does the Canadian Tire Triangle Mastercard have a welcome bonus?

None currently advertised on the official product page. Canadian Tire Bank periodically runs limited-time signup offers — double-check before you apply since none is currently advertised.

What credit score do I need to qualify for the Canadian Tire Triangle Mastercard?

Generally, you’ll want a good credit score to be considered for the Canadian Tire Triangle Mastercard. Approval also depends on income and overall credit history, not credit score alone.

Does the Canadian Tire Triangle Mastercard charge foreign transaction fees?

2.5%