The Triangle World Elite Mastercard gives cardholders up to 4% back and all the benefits of a World Elite Mastercard, with no annual fee.

Annual Fee
Extra Card Fee
Card Type
Cash Advance
Balance Transfer
Personal Income
Household Income
Canadian resident who has reached the provincial age of majority.
Extended Warranty 1 year
Purchase Protection 90 days
Rental Car Theft & Damage Yes

Please review your insurance certificate for details, exclusions and limitations of your coverage.

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Our Review

Canadian Tire's premium card offering, the Triangle World Elite Mastercard, offers great rewards, perks, and no annual fee.

It's a Canadian Tire Triangle card, so you'll be earning Canadian Tire Money on all purchases you make on the card.

What will you earn? Here's the breakdown:

  • 4% back at Canadian Tire stores, including Mark's Work Wearhouse, SportChek, and Atmosphere,
  • 3% back at grocery stores (up to $12,000 spent per year),
  • 5 - 7 cents per litre of fuel at Canadian Gas+ and Husky locations (depending on the grade of fuel), and
  • 1% back on all other purchases.

These are some great earn rates, but there's a couple of things to address.

The real earn rates

First, how much you earn at Canadian Tire stores. 4% back sounds great, but there are 2 things to consider:

  • it's earned on the pre-tax amount, and
  • includes what base Triangle Rewards members earn.

What this means is it's an inflated number compared to what other credit cards will earn.

The actual value is 3.19%, if you assume an average sales tax rate of 13% in Canada. It's still great, but not what's advertised.

As for the grocery store earn rate, 3% is great for a no fee card. But, it's capped at $12,000 per year (or $1,000 per month).

Plus the bonus earn rate doesn't work at Walmart Supercentres. Though Mastercard considers Walmart Supercentres to be grocery stores, Canadian Tire has specifically excluded them from earning 3%.

Some other perks

This card has a perk that's fairly rare on credit cards – roadside assistance. Just for having the card, you'll have the Canadian Tire Gold roadside assistance plan. You'll get to choose between covering any vehicle you drive or covering a specific vehicle. It's an annual value of $99.95 plus tax.

The card will also provide some limited insurance coverage. You can see the details by clicking on the insurance tab above.

And finally, if you make purchases over $200 at Canadian stores, you can request 12 months no fee and no interest financing on your purchase.

Alternatives to consider

There's a lot to like about the Triangle World Elite Mastercard. But if you want more rewards on everyday purchases, here are a couple of cards to consider in its place (or to pair with).

The also include TD Deluxe roadside assistance and will let you earn 3% cash back on gas, groceries, and recurring bill payments ($15,000 annually on each category), while earning 1% on all other purchases. It has an annual fee of $120.

Another top option is the . You'll see an increased grocery earn rate of 4% that also applies to recurring bill payments, earn 2% back on gas and transit, while earning 1% on every other purchase. It doesn't include roadside assistance, however, and the annual fee is also $120.

What are your thoughts?

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