Why This Card Even Here?; The Triangle Mastercard

The Triangle™ Mastercard® by Canadian Tire is a no-annual-fee credit card designed to reward everyday purchases, especially for those who frequent Canadian Tire and its partner stores. With competitive earning rates and flexible redemption options, it offers substantial value to cardholders looking at the Triangle Mastercard.

If you have a HIGHER INCOME you must ignore this card, and apply for it’s big brother: The Best Credit Card in Canada with it Benefit! ; Triangle World Elite Mastercard

Here is WHY:
While the Triangle™ Mastercard® offers decent rewards and comes with no annual fee, it pales in comparison to the Triangle™ World Elite® Mastercard®, which provides significantly better earning rates, enhanced perks like complimentary roadside assistance, and no-fee, no-interest financing—all without an annual fee as well.

The World Elite version earns 3% on groceries (compared to 1.5% on the basic card) and offers additional benefits like 4% back at partner stores and 7¢ per litre on premium fuel, making it vastly superior for most users. The basic Triangle Mastercard feels redundant, as the World Elite Mastercard is accessible to those meeting income thresholds and offers much more value. than the Triangle Mastercard.

The only case where the basic version might make sense is for individuals who do not meet the $80,000 income requirement for the World Elite card, making it primarily a fallback option rather than a compelling choice. For anyone else, the Triangle Mastercard simply doesn’t justify its existence.

Earning Rates

• 4% Back in CT Money®: Earn on almost all purchases at Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Party City, Atmosphere, Pro Hockey Life, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, and participating Sports Experts stores. with the Triangle Mastercard.
• 1.5% Back on Groceries: Receive on grocery store purchases, up to $12,000 annually (excluding Costco and Walmart).
• 5¢ Per Litre on Fuel: Collect per litre in CT Money at Gas+ and participating Husky gas stations every time you fill up.
• 0.5% Back on All Other Purchases: Earn on all other eligible purchases wherever Mastercard is accepted.

Additional Benefits

• No Fee, No Interest Financing: Access financing on qualifying purchases of $150 or more at participating retailers, allowing you to manage larger expenses with ease. with the Triangle Mastercard.
• Exclusive Offers: Benefit from personalized weekly offers, bonus events, and the ability to stack rewards for maximum earning potential.
• Digital Account Management: Utilize online account services and the Triangle App to manage your credit card account, view balances, access offers, and make payments conveniently.

Fees and Eligibility

• Annual Fee: $0
• Income Requirement: No specified minimum income requirement, making it accessible to a broad range of applicants for the Triangle Mastercard.

Is the Triangle Mastercard Worth It?

For shoppers who frequently visit Canadian Tire and its partner stores, the Triangle Mastercard offers significant rewards without an annual fee. The elevated earn rates on in-store and grocery purchases, combined with flexible financing options and personalized offers, provide substantial value. However, if your spending habits do not align with these retailers, you might find better value with a different rewards card that suits your purchasing patterns than the Triangle Mastercard.

Final Thoughts

The Triangle™ Mastercard® stands out as a rewarding, no-fee credit card for Canadian consumers who regularly shop at Canadian Tire and its affiliated stores. With the current $150 CT Money® welcome bonus available until November 21, 2024, it’s an opportune time to apply for the Triangle Mastercard and maximize your rewards.