The ClearFin bottom line
🍁 CT Money
Its strongest published earn rate in our data is 3.0% on gas. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-09 · Official issuer catalogueIndependent ClearFin review · Canadian Tire
Triangle Mastercard
Full earn rates, fees and benefits for the Triangle Mastercard.
Independent comparisonFees includedCanadian card data
- Annual fee
- $0
- Reward type
- CT Money
- Welcome offer
- Not currently verified
- Insurance
- Not listed
Offers can change without notice
Confirm with the issuer
🍁 CT Money
Welcome bonus
No current welcome offer is verified in ClearFin's catalogue.
Issuer promotions change frequently. Check the card's official page before applying.
How you earn
- Earn 4% Canadian Tire Money (CT Money) 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 stores
- Earn 1.5% CT Money at grocery stores on the first $12,000 annual spend (excludes Costco and Walmart)
- Earn 5¢ per litre in CT Money at Gas+ and Petro-Canada locations
- Earn 0.5% CT Money on all other purchases
- CT Money is redeemable at participating Canadian Tire family of stores at a 1:1 value ($1 CT Money = $1 spend)
- Rewards stack with in-store offers and bonus multipliers for accelerated earning
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$0
Purchase interest21.99%
Cash advance interest22.99%
Foreign transaction fee2.5%
Income requirementNot statedIssuer approval criteria apply
Balance transfer interest22.99%
Additional card$0
Recommended credit score600+ Fair to Good (Near-prime to mid-prime tier)
Not explicitly disclosed by issuer.
300Poor
560Fair
660Good
725Very Good
760Excellent
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. Approval is based on Canadian Tire Bank credit underwriting, Canadian residency, and age of majority in the applicant’s province or territory. This is positioned as an entry-level retail rewards card with broad accessibility.
Reward limits: No overall annual earn caps are disclosed for base CT Money accumulation. However, category-specific and promotional structures apply limits.
Earning cap
Earning cap
Earning cap
Earning cap
Using your rewards
Redemption options
Redemption values and availability may vary by option and can change.
0.5% CT Money everywhere else · Redeem $1 for $1.
Beyond the points
Benefits that come with the card
Consider these extras by the value they add to purchases and experiences you already use.
No annual fee
The card has no annual fee, making it a low-cost everyday rewards option.
Flexible CT Money redemption
Canadian Tire Money can be redeemed at Canadian Tire, Sport Chek, Mark’s, Party City, Pro Hockey Life, Atmosphere, and other partner stores at a 1:1 value.
0% interest financing option
Eligible purchases of $150 or more can qualify for equal monthly payments with no interest at participating retailers.
Stacking rewards and bonus offers
Cardholders can combine base earn rates with bonus events (e.g., 25X or 30X promotions) for significantly higher rewards.
Fuel savings at partner stations
Earn 5¢ per litre in CT Money at Gas+ and Petro-Canada locations.
Wide retail ecosystem
Rewards can be earned and redeemed across a large network of Canadian Tire affiliated brands including Sport Chek, Mark’s, and Atmosphere.
Digital account management
Includes online banking, mobile app access, and reward tracking tools.
Purchase protection and customer service
Includes standard Mastercard protections and access to Canadian Tire Bank customer support.
Protection included
Insurance at a glance
No included coverage is verified in ClearFin's current catalogue.
Insurance is not currently listed for this product.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗The verdict
What we like
- Strong rewards earn rate in a closed-loop ecosystem, including 4% CT Money at Canadian Tire family stores and 5¢ per litre at Gas+ and Petro-Canada
- 1:1 redemption value (1 CT Money = $1) across a wide retail network including Canadian Tire, Sport Chek, Mark’s, and Party City
- No annual fee combined with frequent stackable bonus offers (25X–30X events) that significantly increase effective rewards earning
Worth noting
- Rewards are locked into the Canadian Tire ecosystem, limiting flexibility compared to general cashback or travel cards
- Accelerated grocery earn is capped at $12,000 annual spend and excludes major retailers like Costco and Walmart
- Value depends heavily on promotional stacking behavior, making real-world returns variable and inconsistent
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
🍁 CT Money
4% CT Money at Canadian Tire family stores, 5¢/L at Gas+ & Petro-Canada, 1.5% at groceries. 0.5% else.
How the rewards work
Gas receive the strongest estimated return at 3.0%. Purchases outside the accelerated categories earn an estimated 0.50%.
What the annual cost means
There is no annual fee to recover, which can make the card easier to keep for credit-history length or occasional use. Interest and other transaction fees can still apply.
Who it may suit
This card is most relevant for someone who spends consistently on gas and groceries and prefers to avoid a yearly fee.
What to examine before applying
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
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Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.