Exclusive benefits and big rewards for shoppers at Canadian Tire's family of stores.

Annual Fee
$0
Extra Card Fee
$0
Card Type
Credit
Purchase
19.99%
Cash Advance
22.99%
Balance Transfer
22.99%
Personal Income
N/A
Household Income
N/A
Canadian resident who has reached the provincial age of majority.
If we find your match, we’ll give you up to $25 when you refer your friends.*

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Our Review

Gone are the days of piles of Canadian Tire money scattered all over our houses.

Now Canadian Tire Money is all digital – but if you do a lot of shopping at Canadian Tire, those Canadian Tire dollars are still as valuable as ever. And a Mastercard from Canadian Tire could definitely be valuable as well.

With the Canadian Tire Triangle Mastercard, you'll earn:

  • 4% in Canadian Tire cash at Canadian Tire, Sport Check, Mark’s Work Warehouse, and Atmosphere,
  • 5 cents per litre on all grade fuels at Canadian Gas+ and Husky stations, and
  • 0.8% Canadian Tire dollars on all other purchases.

That 4% return at Canadian Tire stores, but it's a little misleading for 2 reasons:

  • this amount is only earned on the pre-tax amount (other credit card rewards are calculated on the total transaction amount), and
  • this includes what you would normally be earning as a regular Triangle member.

To compare it to other credit cards, the actual return is really 3.19%, if you take an average sales tax in Canada at 13%. It's still really good, but not quite what they're advertising.

One other great feature about this card is that you can get 12 months, no interest financing on purchases over $200 at Canadian Tire stores.

This card has no annual fee, but also doesn’t include any insurance, so that is definitely something to keep in mind.

Final word

For frequent Canadian Tire shoppers, there's good value when shopping at Triangle Reward stores.

But only earning 0.8% on all other purchases? That can be improved. Here are a couple of no fee, cash back cards you can use that pair really well with this card.

One of them is the . You'll earn 1.25% cash back on every purchase you make with this card.

Another one is the . Earn 1% cash back on all purchases, plus earn plenty of bonus cash back through Brim's 150+ retail partners, and enjoy no foreign exchange fees.

You can also find other top no fee cards here.

What are your thoughts?

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Featured In:

The Globe and Mail
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Financial Post
New York Times