Who this card is for
A good fit if you…
- Households that already shop Canadian Tire, SportChek, Mark’s, and other Triangle banners often enough for 4% CT Money to be the main earn story.
- People who buy groceries on this Mastercard and will stay inside the first $12,000 a year, where the card pays 3% and the base Triangle card pays 1.5%. Costco and Walmart are excluded from that 3%.
- Applicants with $80,000 personal income or $150,000 household income who still want a $0 annual fee.
- Drivers who buy fuel at Gas+ or Petro-Canada, where premium fuel earns 7¢/L CT Money and other fuel earns 5¢/L.
Skip it if you…
- Shoppers who rarely enter a Canadian Tire. 1% elsewhere is a weak everyday rate next to Tangerine’s 2% categories.
- Applicants under $80,000 personal and $150,000 household income. The regular Triangle Mastercard has no World Elite income test and still pays 4% at Canadian Tire family stores.
- People who want cash back they can deposit anywhere. Canadian Tire Money is meant to spend back in that family of stores.
- Anyone shopping Costco or Walmart for the grocery rate. Those banners are excluded from the 3%.
Pros and cons
Pros
- The annual fee is $0, so the 4% CT-family rate does not have to clear a bank membership first.
- 4% Canadian Tire Money at Canadian Tire family stores matches the headline in-store rate on the base Triangle card, with a higher grocery rate and a 1% catch-all on this version.
- Groceries earn 3% for the first $12,000 a year, up from 1.5% on the base card. Costco and Walmart are excluded.
- Fuel at Gas+ and Petro-Canada earns 7¢/L CT Money on premium and 5¢/L on other fuel.
- Insurance includes 90-day purchase security, extended warranty, and rental car collision damage waiver.
Cons
- World Elite income still applies at $0: $80,000 personal or $150,000 household. Plenty of Canadian Tire regulars will be happier on the base Triangle card.
- Grocery 3% stops after $12,000 a year, and it does not apply at Costco or Walmart.
- CT Money is awkward if you do not redeem at participating stores. It is not Aeroplan and not a Visa statement credit.
- Canadian Tire does not list a welcome bonus on this card.
- There is no Canadian Tire Bank issuer hub on this site.
Fees and value: is the annual fee worth it?
First-year snapshot (estimate)
- Annual fee
- $0
- Estimated welcome bonus value
- Not listed
- Bonus minus fee (estimate)
- —
This is a simple comparison of the estimated welcome-bonus value against the annual fee. It ignores rewards on spending, credits you have to remember to use, and interest if you carry a balance. Offers change — verify with the issuer.
The annual fee is $0, so year-two cost is the opportunity cost of putting spend here instead of on a 2% category card. World Elite is worth the income test when CT-family spend is large and grocery spend will use the 3% rate on the first $12,000 (Costco and Walmart excluded).
If you miss the $80,000 personal or $150,000 household income test, or you barely shop the banners, the regular Triangle Mastercard still pays 4% at Canadian Tire. You give up the 3% grocery rate, the 1% catch-all, and the World Elite insurance.
There is no welcome bonus to cushion year one. Offers change.
Pay in full. A 21.99% purchase rate will delete CT Money faster than a spring catalogue.
Rewards and earn rates explained
Rewards program: Canadian Tire Money / Triangle Rewards
You earn electronic Canadian Tire Money / Triangle Rewards. World Elite pays 4% at Canadian Tire family stores, 7¢/L CT Money on premium fuel and 5¢/L on other fuel at Gas+ and Petro-Canada, 3% on groceries for the first $12,000 a year, and 1% on other purchases.
The 3% grocery rate excludes Costco and Walmart. The base Triangle Mastercard pays 4% at Canadian Tire family stores, 1.5% on groceries for the first $12,000, and 0.5% elsewhere.
Merchant coding still applies: a “Canadian Tire” marketplace order can miss 4%. Put Tire-family spend and eligible grocery (up to the cap) here.
Put Costco on the CIBC Costco Mastercard if you are a member, Walmart on the Walmart cobrand, Amazon.ca on the Amazon cobrand, and Loblaws on a PC Mastercard.
Welcome bonus: how to unlock it
No welcome bonus is currently listed for this card.
Canadian Tire does not list a welcome bonus on the Triangle World Elite Mastercard. Approval is the income test — $80,000 personal or $150,000 household — plus credit.
FAQ
Is the Triangle World Elite Mastercard worth it in 2026?
It is worth it when you shop Canadian Tire family stores, will use the 3% grocery rate on the first $12,000 (Costco and Walmart excluded), buy fuel at Gas+ or Petro-Canada, and have $80,000 personal or $150,000 household income. It is a weak card for people who never visit a Tire store.
Triangle World Elite vs the regular Triangle Mastercard?
Both have no annual fee and pay 4% at Canadian Tire family stores. World Elite pays 3% on groceries for the first $12,000 a year (Costco and Walmart excluded) and 1% elsewhere, plus 7¢/L CT Money on premium fuel and 5¢/L on other fuel at Gas+ and Petro-Canada.
Insurance is 90-day purchase security, extended warranty, and rental car collision damage waiver. You need $80,000 personal or $150,000 household income.
The base Triangle card pays 1.5% on groceries and 0.5% elsewhere, without that income test.
Triangle World Elite vs PC World Elite?
Both are $0 World Elite store cards with an $80,000 personal or $150,000 household income test. PC World Elite feeds PC Optimum at Loblaws-family banners. Triangle feeds Canadian Tire Money at Tire-family stores. Hold the one whose stores you actually use.
Can I use this card at Costco or Walmart?
Costco Canada accepts Mastercard, so the card can be charged there. Grocery earn at Costco and Walmart is excluded from the 3% rate, so those purchases fall under the 1% rate. They do not earn 4% CT Money. For Costco gas and club spend, compare the CIBC Costco Mastercard if you are a member.
What insurance and income rules apply?
Insurance is purchase security for 90 days, extended warranty, and rental car collision damage waiver. Applicants need $80,000 personal income or $150,000 household income.
Compare related cards and guides
More Canadian credit card lists that match this product, plus a few cards people usually compare it with.
- Triangle Mastercard review · Canadian Tire Bank · $0 annual fee
- PC World Elite Mastercard review · PC Financial · $0 annual fee
- Tangerine Money-Back Credit Card review · Tangerine · $0 annual fee
