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Hard Credit Check How To Protect Your Credit Score Must Read Best Instant Approval Credit Cards ‒ From No Credit To Excellent Credit Credit Cards For Bad Credit Secured Credit Cards Tangerine Money Back Credit Card KOHO Prepaid Mastercard Review Credit Card Quiz Mastercard Canadian Tire Triangle World Elite Mastercard 3.7 Genius Rating 4.0 (30) User reviews The Triangle World Elite Mastercard gives cardholders up to 4% back and all the benefits of a World Elite Mastercard, with no annual fee. $0.00 Annual fee Learn more $0 ◊ Welcome bonus Learn more $355 ◊ Annual rewards Learn more Find your top card | Read our disclosure creditcardGenius Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Click to read our detailed disclosure. Apply Now Add to wallet Credit estimate:  (760 - 900) Instant approval: No Mastercard Canadian Tire Triangle World Elite Mastercard 3.7 Genius Rating 4.0 (30) User reviews Apply Now Add to wallet The Triangle World Elite Mastercard gives cardholders up to 4% back and all the benefits of a World Elite Mastercard, with no annual fee. $0.00 Annual fee Learn more $0 ◊ Welcome bonus Learn more $355 ◊ Annual rewards Learn more Credit estimate:  (760 - 900) Instant approval: No Find your top card | Read our disclosure creditcardGenius Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Click to read our detailed disclosure . Monthly Spending: $ View Breakdown Pros & Cons Your Rewards Compare Cards Details and Eligibility Insurance Coverage Genius Rating Our Review Key Benefits User Reviews (30) Pairs Well With Pros & cons Pros Up to 4% back in CT money on purchases. Free roadside assistance. No annual fee. Cons High income requirements of $80,000 personal or $150,000 household. Low insurance compared to other World Elite Mastercards. Your rewards How you earn rewards Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With Triangle World Elite Mastercard , here's how you earn rewards: 4% CT Money at Canadian Tire stores 3% CT Money on grocery store purchases 1% CT Money on all other purchases Collect 5 cents CT Money per liter on reg/mid grade fuel, or 7 cents on premium fuel at Gas+ and Husky stations For all reward details click here . How much your rewards are worth The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For Triangle World Elite Mastercard in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose: Triangle Rewards stores $355   Triangle Rewards stores $355 This card doesn't offer any rewards. Rewards Points Calculator Enter your rewards balance to calculate how much your points are worth. Review your redemption options and recommendations to get the most value. Reward Program AAdvantage Aeroplan Air Miles Alaska Airlines Mileage Plan Avianca LifeMiles American Express Membership Rewards BMO Rewards British Airways Executive Club Cathay Pacific Asia Miles Flying Blue Desjardins BONUSDOLLARS CIBC Aventura Rewards Delta SkyMiles MBNA Rewards Marriott Bonvoy More Rewards Porter VIPorter Plum Rewards Journie Rewards MyMcDonald's Rewards National Bank A La Carte Rewards PC Optimum Qatar Airways Privilege Club Avion Rewards (Elite) Rexall BeWell Scene+ TD Rewards Tims Rewards United MileagePlus WestJet Rewards Triangle Rewards Avion Rewards (Premium) Dollars Balance Point Values Redemption Option Point Value Total Value Triangle Rewards stores 1 cent $10 Redemption Options Triangle Rewards stores Redeem dollars at Canadian Tire, Marks, Sport Chek, and Atmosphere $10 Calculating your annual rewards $24,000 annual spending x 1.48% return on spending = $355 annual rewards $355 annual rewards − $0.00 annual fee = $355 net annual rewards Top related credit cards Compare similar cards side-by-side. MBNA Rewards Platinum Plus ® Mastercard ® (QC) GC: $100 3.1 Genius Rating 3.5 (2) User Reviews   $370 Annual Rewards $100 Welcome Bonus $0.00 Annual Fee Learn More MBNA Smart Cash Platinum Plus ® Mastercard ® (QC) 3.0 Genius Rating 5.0 (1) User Reviews   $210 Annual Rewards $81 Welcome Bonus $0.00 Annual Fee Learn More MBNA Smart Cash Platinum Plus ® Mastercard ® 3.0 Genius Rating 2.7 (11) User Reviews   $210 Annual Rewards $81 Welcome Bonus $0.00 Annual Fee Learn More Scotiabank American Express ® Card 2.7 Genius Rating 3.0 (5) User Reviews   $348 Annual Rewards $50 Welcome Bonus $0.00 Annual Fee Learn More TD Rewards Visa * Card GC: $20 2.7 Genius Rating 5.0 (1) User Reviews   $216 Annual Rewards $76 Welcome Bonus $0.00 Annual Fee Learn More SimplyCash ® Card from American Express 2.6 Genius Rating 4.0 (23) User Reviews   $350 Annual Rewards $71 Welcome Bonus $0.00 Annual Fee Learn More TD Cash Back Visa * Card 2.4 Genius Rating 2.6 (21) User Reviews   $171 Annual Rewards $50 Welcome Bonus $0.00 Annual Fee Learn More Scotiabank Scene+ Visa Card GC: $50 2.4 Genius Rating 3.5 (22) User Reviews   $252 Annual Rewards $50 Welcome Bonus $0.00 Annual Fee Learn More Simplii Financial ™ Cash Back Visa * Card 2.3 Genius Rating 3.8 (8) User Reviews   $297 Annual Rewards $0 Welcome Bonus $0.00 Annual Fee Learn More Scotia Momentum No-Fee Visa Card 1.9 Genius Rating 3.0 (7) User Reviews   $177 Annual Rewards $85 Welcome Bonus $0.00 Annual Fee Learn More Details and eligibility Do I qualify? Estimated Credit Score 760 - 900 Personal Income $80,000 Household Income $150,000 Canadian resident who has reached the provincial age of majority. Fees Annual Fee $0.00 Extra Card Fee $0 Card type Credit Interest rates Purchase 21.99% Cash Advance Δ 22.99% Balance Transfer 22.99% Δ Cash advance interest rate for Quebec residents is 21.99%. Insurance coverage 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, terms and conditions apply. Learn more about the value of credit card insurance coverage. Genius Rating Triangle World Elite Mastercard's 3.7 Genius Rating is based on the weighted average of the following scores: Rewards 2.7 Fees 4.2 Insurance 0.9 Interest 1.7 Perks 1.4 Approval 0.0 Acceptance 4.9 User Reviews 4.0 Methodology All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features. Learn more about our rating methodology. Top cards from Mastercard GC: $150 BMO CashBack ® World Elite ® * Mastercard ® * Exclusive: Up to $480 bonus cash back + First year fee waived. * GC: $100 MBNA Rewards World Elite ® Mastercard ® Up to 30,000 bonus points + birthday bonus worth up to 15k points. * GC: $100 MBNA Rewards World Elite ® Mastercard ® (QC) Up to 20,000 bonus points + Annual bonus worth up to 15k points. * Our review Written by creditcardGenius Team   Fact Checked Fact Checked Accuracy is important to us so this article has gone through a thorough 3-stage review process and fact-checked by our team. 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 $150 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 TD Cash Back Visa Infinite * Card 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 Scotia Momentum ® Visa Infinite * Card. 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. Finally, to earn a high level of flexible rewards with some perks on the side, the National Bank World Elite Mastercard has both. You'll earn 1.5 points per $1 spent on all your purchases, a return of up to 1.5% on your spending. But, it also comes with $250 in annual travel reimbursements – easy to use credits to help pay for checked bags, airport parking, and seat selection, for an annual fee of $150. People also viewed RBC Cash Back Preferred World Elite Mastercard Earn 1.5% cash back on all purchases + Standard RBC benefits. * GC: $100 BMO VIPorter Mastercard ® * Get up to $1,800 in value + Automatic VIPorter Passport membership. * Scotia Momentum No-Fee Visa Card 5% cash back for the first 3 months + No annual fee. * Key benefits Earn 4% back in Canadian Tire ‘Money’ on purchases made at Canadian Tire, Mark’s, Sport Chek and Atmosphere. Earn 3% bank in Canadian Tire ‘Money’ on grocery store purchases. Earn 1% back on all other purchases. Get 5 cents back per litre on regular fuel and 7 cents back on premium fuel at Gas+ locations, Purchase protection and extended warranty included. Complimentary roadside assistance included – a very rare perk. Receive weekly personalized offers. Dedicated concierge service. Show more... User review s 4.0 out of 5 Reviewed by 30 Canadian s Add Review 5 stars 60% 4 stars 17% 3 stars 3% 2 stars 7% 1 stars 13% Add Review Do you own this card? I have it I canned it × How good is this card overall? × Rate the application process: Rate the customer service: Thank you for your review! Hang tight while we verify and approve it. If you want to see your review right away... Create an account: Name * Email * Password * Password requirements: At least 8 characters long At least one lower case letter At least one upper case letter At least one number At least one special character Password confirmed Password best practices Please send me credit card deals, news, reviews, and tips directly to my inbox. It only takes one click to unsubscribe. By clicking the button below, you agree to our Privacy Policy and Terms and Conditions .   Login SK a year ago 1 They froze my acc for no reason after approving me 10k on the WE card. I used the card just a couple times at CT before it happened and it required me visiting a CT store and being on hold with their credit card phone line for over 30mins to fix it. I couldn’t access my acc via online banking nor the app while it was frozen. Sure the earn rate can be great but requiring a customer to physically go in store just to wait on hold with the cc phone line is absolutely ridiculous. Not only that, they sent you a ton of marketing emails. TravelMusing 2 years ago 1 The review did not mention the fact that you can pay for your property tax bill, utilities bill, natural gas bills, and even some insurance company bills via the Canadian Tire Financial Services website. Payments via the CTFS website acts like a bank payment, and then CTFS charged the payment to the Triangle Mastercard. I have racked up quite a lot of CT money paying all my essential bills via the CTFS website. Troy 2 years ago 2 Creditcard Genius is out to lunch on their rating of this card. As others have stated, most MC World Elite or Visa Infinite cards have a $120+ annual fee. That, coupled with the roadside assistance package (another $115), equates to this card being ahead of each of the other World Elite or Visa Infinite cards by a minimum of $235...before you even begin spending or collecting the Canadian Tire cash-back rewards. So...no they don't have a one-time introductory offer as some have complained...instead, they have a recurring annual offer of no $120 fee and free roadside assistance! Also, Canadian Tire is famous for offering various promotional multipliers for their rewards, which can build your rewards cash faster. Sure, you have to spend the rewards at their line of stores...but who doesn't need vehicle maintenance or tires...who doesn't need a new coffee maker now and then...who doesn't need light bulbs or household items...who doesn't wear clothes...who doesn't need some form of athletic/recreational goods or items. The credit qualifying score also seems flawed, as CT is much easier to get than the indicated score of 760-900. Sorry, Creditcard Genius...you missed the boat on this one! Vanessa 2 years ago 2 Absolutely love my canadian tire elite card. I have 3 cards pc world elite and American express cobalt. I seem to get way better perks from canadian tire, I do use my card quite often for everything and pay it back monthly, thus my rewards rack up quite quickly I probably get more then 150 in rewards every 6 weeks to a 60 days. It's great when you need things for your car or simple items for the house. I highly recommend this card over the other 2 I have that have monthly premiums as well the rewards don't seem to add up as quickly. I get quite a few increases for my credit limit which is nice even though not needed but nice to have in my pocket. I can't stress enough that this card is worth having. Rick Delorme 2 years ago 2 Great card to use, perks galore and dicounted gas! NO BRAINER!!! 1 2 3 4 5 6 Pairs well with... 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Resources Review Your Card Credit Card FAQ Sliders Credit Card Quiz Company About Careers Scholarship Disclosure Help Contact GeniusCash Report Bug   Privacy Policy | Terms | Security Province: Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Nunavut Northwest Territories Nova Scotia Ontario Prince Edward Island Quebec Saskatchewan Yukon Copyright © 2025 WeyMedia Inc. 200 Champlain St. Suite 210, Dieppe, NB E1A 1P1 ◊ The creditcardGenius algorithm, based on our Rating Methodology , calculates an estimated dollar value for all rewards and bonuses by combining typical monthly spending with well-researched reward point value estimates . "Annual Rewards" is calculated by combining our default $2,000 in monthly spending ($24,000 annually) spread across 8 different spending categories (gas, groceries, travel, etc) with our point value estimates. "Welcome Bonus" is calculated by combining all one-time bonuses available to new cardholders within the first year with our point value estimates. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. "Annual Interest Savings" is based on a credit card balance of $8,000 and a standard credit card interest rate of 19.99%. Annual Rewards, Welcome Bonus, and Annual Interest Savings values will change if the person adjusts their monthly spending away from the $2,000 monthly default or changes their reward preferences. *, † Terms and conditions apply. Your feedback matters What do you think of creditcardGenius? Needs work It's ok It's great! Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. 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