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Triangle Mastercard Review
The Bottom Line
The Triangle Mastercard is an excellent choice for loyal Canadian Tire shoppers, offering high rewards at their stores and a decent grocery cash-back rate. However, it falls short in other spending categories, offers no insurance, and the rewards can only be redeemed at Canadian Tire locations. If you’re not frequently shopping at these stores, there are better no-fee alternatives available.
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on Canadian Tire's website
Welcome Bonus
N/A
Rewards Rate
0.5x - 4x CanadianTire Dollars
Points
Annual Fee
$0
Interest Rates
20.99% - 25.99% / 22.99% - 27.99% (for Quebec 21.99%)
Rewards
- 4% back in CanadianTire dollars on almost everything at Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Party City, Pro Hockey Life, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, and participating Sports Experts
- 1.5% back in CanadianTire dollars on eligible grocery purchases (on the first $12,000 per year; excludes Costco and Walmart)
- 0.5% back in CanadianTire on all other eligible purchases
Benefits
Details
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Gas Discount
Save 7¢/L on premium fuel and 5¢/L on all other fuel types at Gas+ and Petro-Canada locations on gas
Eligibility
Credit Score
Very GoodAnnual Income
N/A
Card Details
Interest Rates
Purchase APR
20.99% - 25.99%
Cash Advance APR
22.99% - 27.99% (for Quebec 21.99%)
Balance Transfer APR
22.99% - 27.99%
Fees
Annual Fee
$0
Additional Cards
$0
Eligibility
Minimum Individual Income
N/A
Minimum Household Income
N/A
Credit Score Estimate
Very Good
Type
Pros & Cons
Pros
- High rewards at Canadian Tire: 4% back on pre-tax purchases at Canadian Tire stores.
- 1.5% on groceries: Offers a decent return on grocery purchases with no annual fee.
- No annual fee: Makes it easy to keep in your wallet without any cost.
- No income requirement: No specified income threshold, making it accessible.
Cons
- Low rewards elsewhere: Only 0.5% back on purchases outside of Canadian Tire and grocery stores.
- Limited rewards redemption: Rewards are restricted to use within Canadian Tire's family of stores.
- No insurance coverage: Unlike other credit cards, this one does not include purchase protection or extended warranty.
Get personalized rewards estimates — see exactly how much you could earn.
Triangle Mastercard Points Calculator
APPLY NOW
on Canadian Tire's website