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3
/5
Canadian Tire
Mastercard
Triangle MastercardPoints Calculator
Our Take
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.
Card Details
Interest Rates
Purchase: 20.99% - 25.99%
Cash Advance: 22.99% - 27.99% (for Quebec 21.99%)
Balance Transfer: 22.99% - 27.99%
Annual Fees
Main Card: $0
Additional Cards: $0
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660Good
725⁎Very Good
760⁎Excellent
Card Type
Credit
Our Rating
3/5
Institution
Canadian Tire
How You Earn 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
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
0 insurance
1 benefit
Insurance
No insurance coverage is bundled with this card.
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
Pros & Cons
Pros
- High Canadian Tire rewards
- Decent grocery earnings
- No annual fee
- No income requirements
- Gas discounts
Cons
- Low base earn rate
- Limited redemption options
- No insurance