Earn 4% 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 3% CT Money on grocery purchases (on the first $12,000 annual spend; excludes Costco and Walmart)
Earn 7¢ per litre in CT Money on premium fuel at Gas+ and Petro-Canada locations
Earn 5¢ per litre in CT Money on regular fuel at Gas+ and Petro-Canada locations
Earn 1% CT Money on all other purchases
$1 CT Money = $1 redeemable value at Canadian Tire family of stores
Higher base earning rate compared to standard Triangle Mastercard across all categories
Built-in perks & coverage
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.
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No receipt returns
Allows returns without a receipt at participating retailers linked to the Triangle ecosystem.
The verdict
What we like
High earn rates within a closed-loop retail ecosystem, including 4% CT Money at Canadian Tire partner stores, 3% on groceries, and elevated fuel rewards (5¢–7¢ per litre)
Strong ecosystem value with 1:1 CT Money redemption across Canadian Tire, Sport Chek, Mark’s, and other partner retailers
Premium benefits at no annual fee, including roadside assistance (up to 250 km towing), purchase security insurance, rental car coverage, and 24/7 concierge services
Worth noting
Rewards are locked into the Canadian Tire ecosystem, limiting flexibility compared to general cashback or travel cards
Foreign transaction fee of 2.5% reduces efficiency for international or non-CAD spending
High income requirement ($80,000 personal or $150,000 household) restricts accessibility despite being no annual fee
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