Canada · personal card · Canadian Tire Bank (Triangle)
Triangle Mastercard review
No-fee card earning 4% back in CT Money at Canadian Tire and partner stores, 5 cents per litre at Gas+ and Petro-Canada, 1.5% at grocery stores and 0.5% elsewhere.
Key facts
- Issuer
- Canadian Tire Bank (Triangle)
- Network
- Mastercard
- Annual fee
- $0 (No annual fee)
- Purchase rate
- 25.99% (21.99% for Quebec residents)
- Cash advance rate
- 27.99% (Quebec residents 21.99%)
- Foreign transaction fee
- 2.5%
- Minimum personal income
- Not stated
- Minimum household income
- Not stated
- Available in Quebec
- Not stated
- Est. net value / yr
- $234 ($234 rewards − $0 fee)
- Points value
- Triangle Rewards (CT Money) at 1¢ CAD each
Rewards
No-fee card earning 4% back in CT Money at Canadian Tire and partner stores, 5 cents per litre at Gas+ and Petro-Canada, 1.5% at grocery stores and 0.5% elsewhere.
Earn rates the issuer states: base 0.5% · groceries 1.5% · everyday 0.5%. Grocery 1.5% on first $12,000 per year (excludes Costco and Walmart); fuel 5 cents per litre
Perks
CT Money redeems $1 for $1; no fee no interest financing on $150+ qualifying purchases; weekly personalized offers; no-receipt returns
How we put this page together
Every figure here was read on Canadian Tire Bank (Triangle)’s own page on October 7, 2026; fields the page did not state are shown as “not stated” rather than estimated. The net value estimate uses the method on our Canada methodology. Card rules and your rights as a cardholder: FCAC. Note: Gas earn is 5 cents per litre (not a percent). Cash advance APR, FX fee and insurance not stated on page. 4% applies at Canadian Tire, Sport Chek, Mark's and other partner stores. FX fee read on issuer document: https://media.ctfs.com/app_documents/Cost_of_Credit_Disclosure_May2023_ENG.pdf APR corrected 2026-10-08 from the rendered card page information box (earlier 21.99% was the Quebec figure).
Frequently asked questions
What is the annual fee on the Triangle Mastercard?
$0 (No annual fee), as read on Canadian Tire Bank (Triangle)’s website on October 7, 2026.
Is there a foreign transaction fee on the Triangle Mastercard?
The issuer states a 2.5% foreign currency conversion fee.
What income do I need for the Triangle Mastercard?
The issuer’s page did not state a minimum income when we read it.
More Canadian Tire Bank (Triangle) cards
No-fee World Elite card earning 4% back in CT Money at Canadian Tire and partner stores, 7 cents per litre on premium fuel (5 cents other), 3% at grocery stores and 1% elsewhere.
Earn: base 1% · groceries 3% · everyday 1%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $468
- Purchase rate
- 25.99% (21.99% for Quebec residents)
- Foreign transaction fee
- 2.5%
Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.