Up to 4% cash back 
No annual fee The Canadian Tire Triangle World Elite Mastercard has a collection of unique features. With no annual fee, it may appeal to a variety of people as a long-term keeper card.
This card may be of interest to outdoor enthusiasts, road trippers, commuters, or anyone with bill payments to payees that don’t normally accept credit cards.
Bonuses & Fees
Currently, this card does not offer a welcome bonus.
The card has no annual fee as an ongoing feature.
Earning Rewards
The card earns Canadian Tire Money, also known as Triangle Rewards:
- Earn 4% back at Canadian Tire brands
- Earn 3% back on groceries, up to $12,000 spent per calendar year
- Earn 1% back on all other purchases
Canadian Tire brands include a variety of retailers, with an emphasis on sports and outdoors. Here are a few of their major partners:
- Canadian Tire
- Mark’s
- L’Équipeur
- Party City
- Sport Chek
- Atmosphere
- Pro Hockey Life
- Hockey Experts
- Sports Rousseau
- L’Entrepôt du Hockey
- participating Sports Experts stores
- SportChek
Plus, you’ll collect 7 cents per litre in Canadian Tire Money on premium fuel, as well as 5 cents per litre in Canadian Tire Money on all other fuel types at Gas+ and Essence+ locations.
Redeeming Rewards
Canadian Tire Money can be redeemed for purchases at Canadian Tire brands, including the stores mentioned above. If you shop at those stores, your rewards are effectively the same as cash back.
Rewards expire after 18 months of inactivity, but you don’t have to remain a cardholder to keep your account active.
If you ever decide to close the credit card, you can still earn Canadian Tire Money by scanning your Triangle membership card when you make a purchase at a partner store.
You can learn more about the Triangle Rewards program on the Canadian Tire website.
Perks & Benefits
Canadian Tire’s credit cards have a unique feature where you can make bill payments from your credit card to select payees.
These payments can be set up by finding the biller in the Canadian Tire online banking login, rather than by providing the biller with your credit card number. This may allow you to pay bills with a credit card for certain billers that don’t accept regular credit card payments.
The Triangle World Elite Mastercard comes with a complimentary Roadside Assistance Gold Plan membership. It includes 24-hour assistance, towing to the destination of your choice within 250 kilometres in Canada and the US, and services such as fuel delivery, flat tire changes, and jumpstarting your battery.
This is superior to the roadside assistance benefits on other cards, which often stipulate that they’ll only tow you to the nearest service centre, not to your preferred location.
Finally, the card offers zero-interest financing on purchases at Canadian Tire brands.
Insurance Coverage
The card has no notable travel insurance coverage, just standard coverage for rental car damage, extended warranty, and purchase protection.
Will I be able to increase my cash limit with CT World ?