Independent ClearFin review · Canadian Tire
Full earn rates, fees and benefits for the Triangle World Elite Mastercard.
Offers can change without notice
Certificate terms apply
🍁 CT MoneyIts strongest published earn rate in our data is 3.0% on groceries. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-09 · Product page and insurance certificateIssuer promotions change frequently. Check the card's official page before applying.
Confirm final approval criteria and current rates directly with the issuer.
Reward limits: No overall annual earn caps are disclosed for base CT Money accumulation. However, category limits and promotional structures apply.
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Redemption values and availability may vary by option and can change.
1% CT Money everywhere else · Redeem $1 for $1.
Consider these extras by the value they add to purchases and experiences you already use.
No annual fee
The card carries no annual fee while still offering premium-level rewards and benefits.
Roadside Assistance Gold Plan
Includes up to 250 km towing per service call anywhere in Canada or the U.S.
Purchase security insurance
Covers eligible purchases against loss, theft, or damage for up to 90 days after purchase.
Car rental collision/loss damage waiver
Covers rental vehicles for up to 31 days when the full rental cost is charged to the card.
24/7 concierge services
Provides assistance for travel bookings, entertainment tickets, dining, and lifestyle requests anytime.
Flexible CT Money redemption
CT Money can be redeemed at Canadian Tire, Sport Chek, Mark’s, Party City, and other partner stores at a 1:1 value.
High rewards stacking potential
Ability to combine base earn rates with promotional multipliers (25X–30X events) for significantly higher rewards.
Mobile and online account management
Includes app access, digital banking tools, offer activation, and real-time reward tracking.
No receipt returns
Allows returns without a receipt at participating retailers linked to the Triangle ecosystem.
3 coverages listed. Key terms are summarized below; full certificate terms apply.
Included for eligible purchases; the current card comparison page describes protection for most items against loss, damage or theft within the first 90 days, subject to the certificate.
Included under the Triangle World Elite Mastercard insurance certificate; terms, eligible purchases, limits and exclusions apply.
Included under the Triangle World Elite Mastercard insurance certificate; rental eligibility, payment requirements, limits and exclusions apply.
Coverage is subject to eligibility, exclusions, limits, payment requirements, and claim rules in the insurance certificate.
Review official insurance details ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
4% CT Money at Canadian Tire stores, 5-7¢/L at Gas+ & Petro-Canada, 3% at groceries. 1% else.
Groceries, Gas receive the strongest estimated return at 3.0%. Purchases outside the accelerated categories earn an estimated 1.0%.
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.
This card is most relevant for someone who spends consistently on groceries and gas and prefers to avoid a yearly fee.
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.
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. Official Canadian Tire Bank card page and Triangle World Elite Included Features & Benefits certificate booklet checked October 11, 2026. Current published eligibility is $80,000 personal or $150,000 household income, with no annual fee.
