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Triangle World Elite Mastercard

Triangle World Elite Mastercard card art

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

Triangle World Elite Mastercard
Canadian Tire BankNo Annual Fee

Triangle World Elite Mastercard

Our take: strongest for groceries and gas — about 3% back in value (est.) with no annual fee.

#2 No annual fee

No welcome bonus currently advertised
Apply on Canadian Tire’s site →

  • Goes straight to Canadian Tire Bank
  • Our review

The Triangle World Elite Mastercard is Canadian Tire Bank’s premium, no-annual-fee card, offering elevated CT Money earn rates at Canadian Tire and its family of banners (Sport Chek, Mark’s, Atmosphere, and others), plus added travel and purchase-protection benefits over the base Triangle Mastercard. It requires World Elite-level income to qualify, but unlike most World Elite cards, it charges no annual fee at all.

4.4out of 5

MoneyMint rating

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

Rewards value
4/10
Insurance
6/10
Flexibility
8/10
Welcome bonus
0/10
Fee value
10/10
Perks
4/10

≈ $372

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

$0

Rewards Rate

4% at Canadian Tire/Triangle banners, 3% on groceriesGrocery rate capped at $12,000/year; Costco and Walmart excluded

Welcome Bonus

None currently advertised

Rewards

~3%on groceries (est. value)

Purchase APR 21.99%

Pros & Cons

Pros

  • No annual fee despite being a World Elite-tier card
  • 4% CT Money at Canadian Tire, Sport Chek, Mark’s, Atmosphere, and other Triangle-family banners
  • 3% CT Money on groceries (excluding Costco and Walmart), up to $12,000/year in spend
  • 7¢/litre CT Money on premium fuel and 5¢/litre on other fuel at Canadian Tire Gas+ and Petro-Canada
  • Purchase security, extended warranty, and car rental collision/loss damage waiver insurance included
  • Roadside Assistance Gold Plan with towing up to 250 km

Cons

  • CT Money has narrow redemption value — mainly usable at Canadian Tire and Triangle-family banners
  • No welcome bonus currently offered
  • $80,000 personal / $150,000 household income requirement
  • Grocery bonus rate capped at $12,000/year and excludes Costco and Walmart
  • No travel medical, trip cancellation, or trip interruption insurance despite the World Elite tier
  • 1% base rate on purchases outside bonus categories

Rewards & Earn Rates

Purchase APR21.99%
Cash Advance APR22.99%21.99% for Quebec residents
Foreign Transaction Fee2.5%
Best for Canadian Tire, Sport Chek, and Mark’s shoppers who want no-fee World Elite perks

Who It’s For

Best for

  • Frequent Canadian Tire, Sport Chek, or Mark’s shoppers
  • Households who want a higher CT Money grocery rate than the base Triangle Mastercard
  • Drivers who regularly fuel up at Canadian Tire Gas+ or Petro-Canada

Not ideal for

  • Anyone who wants a general-purpose travel rewards currency rather than CT Money
  • Travelers who want trip cancellation, interruption, or travel medical insurance
  • Costco or Walmart grocery shoppers, since both are excluded from the bonus grocery rate
IssuerCanadian Tire Bank
NetworkMastercard (World Elite)
Annual Fee$0
Min. Income$80,000 personal / $150,000 household
Foreign Transaction Fee2.5%
MoneyMint rating4.4 / 5

Apply on Canadian Tire’s site →

This link goes directly to Canadian Tire Bank’s official page. MoneyMint doesn’t currently have a paid partnership for this card, so this isn’t a monetized recommendation.

+ Compare with other cards

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4.4MoneyMint rating

Triangle World Elite Mastercard

Best for groceries and gas · No annual fee

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

J

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. Key figures were re-checked 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 Triangle World Elite Mastercard?

The Triangle World Elite Mastercard has an annual fee of $0.

What is the rewards rate on the Triangle World Elite Mastercard?

The Triangle World Elite Mastercard offers: 4% CT Money at Canadian Tire/Triangle-family banners, 7¢/litre premium fuel and 5¢/litre other fuel at Canadian Tire Gas+ and Petro-Canada, 3% on groceries (excl. Costco and Walmart) up to $12,000/year, 1% on all other purchases

Does the Triangle World Elite Mastercard have a welcome bonus?

None right now. Triangle’s product page shows no sign-up offer (checked September 25, 2026). Canadian Tire Bank has run limited-time CT Money sign-up offers before, such as a $150 offer that ended in May 2026, so check the page again before you apply.

What credit score do I need to qualify for the Triangle World Elite Mastercard?

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

Does the Triangle World Elite Mastercard charge foreign transaction fees?

2.5%