Best Canadian Tire Credit Cards In Canada For October 2025
If you meet the high income requirements, the Triangle World Elite Mastercard is the best Canadian Tire credit card. Of the three cards that earn Canadian Tire money, this Mastercard offers the highest earning rates and includes some attractive benefits.
Don’t meet the income requirements? Don’t worry; you’ve still got two other no fee card options that are easier to qualify for and still earn CT money. If you’re new to the Canadian Tire Rewards Program, we’ll also walk you through the best ways to earn and redeem rewards, so let’s get started.
Key Takeaways
- The best Canadian Tire credit card is the Canadian Tire Triangle Mastercard.
- Canadian Tire offers three branded credit cards that earn Canadian Tire Triangle rewards or cash back.
- If you opt for a Canadian Tire Mastercard, you can only redeem your rewards at Canadian Tire stores or its affiliates.
- There are plenty of better alternatives to earn more rewards, including the Amex SimplyCash Preferred Card.
Best Canadian Tire credit cards in Canada for October 2025
| Triangle World Elite Mastercard | Triangle Mastercard | Canadian Tire Cash Advantage Mastercard | |
|---|---|---|---|
| Annual fee | $0 | $0 | $0 |
| Type of reward | Canadian Tire Triangle Rewards | Canadian Tire Triangle Rewards | Cash back |
| Reward details | * 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 | * 4% CT Money at Canadian Tire stores * 1.5% CT Money at grocery stores * 0.5% CT Money everywhere you shop * Collect 5 cents CT Money per litre at Gas+ and Husky stations | * 0.25% up to $1,500 spent annually * 0.5% between $1,500 and $3,000 spent annually * 1% between $3,000 and $24,000 spent annually * 1.5% over $24,000 annually * 2x cash at Canadian Tire stores and gas bars |
| Average rate of return % | 1.48% | 0.82% | 0.97% |
| Purchase interest rate | 21.99% | 21.99% | 21.99% |
| Income requirements | $80K personal or $150K household | None | None |
Triangle World Elite Mastercard
There are only a few options for store-branded cards, but if we had to choose the best, we’d go with the Triangle World Elite Mastercard. At an average of 1.48%, this card offers the highest return, giving it an edge over the Triangle Mastercard.
There are some steep income requirements ($80,000 personal or $150,000 household), but this card comes with better rewards because of it. For instance, it includes roadside assistance, basic purchase insurance, and valuable World Elite Mastercard benefits – all for no annual fee.
Pros:
- Up to 4% back in CT money
- Free roadside assistance
- No annual fee
Cons:
- High income requirements
- Limited insurance package
Triangle Mastercard
The Triangle Mastercard is the easiest Canadian Tire credit card to get since there’s no annual fee and no income requirements.
Because of this, you’re getting a very basic card with pretty low earn rates. While your purchases at Canadian Tire earn you 4% CT money, you’ll only earn 1.5% CT money on grocery purchases and 0.5% CT money on all other purchases.
Pros:
- 4% back at Canadian Tire stores
- 1.5% back on groceries
- No annual fee
Cons:
- Only 0.5% back on other purchases
- No insurance package
- Rewards can only be used at Canadian Tire stores
Canadian Tire Cash Advantage Mastercard
Instead of Canadian Tire Money, the Canadian Tire Cash Advantage Mastercard rewards you directly with cash back. In fact, you'll earn double cash back when shopping at any of the Canadian Tire family of stores. You're already saving on the annual fee, since there isn't one, so these cash back rewards are essentially bonus savings.
That said, the earn rate is still lower than the Triangle World Elite Mastercard – and one of the biggest caveats is that you'll have to spend more to earn more. If you don't use this card often, you'll get very low returns.
Pros:
- Up to 1.5% cash back on purchases
- 2x the cash back at Canadian Tire stores
- No annual fee
Cons:
- Tiered rewards system is complicated
- No insurance package
Pros and cons of Canadian Tire credit cards
Here's an unbiased look at the good and bad of Canadian Tire credit cards. You’ll be able to enjoy:
- No annual fees. None of these Canadian Tire Mastercards have an annual fee so you’ll earn more rewards or cash back without paying for the privilege of holding the card.
- Options for no income requirements. Only the CT World Elite card requires a personal income of $80,000 or a household income of $150,000 to qualify – the other cards simply require a good to excellent credit score.
- CT-specific perks. One of the most enticing features of Canadian Tire Mastercards is the 12-month, no-fee, no-interest financing option. When you make a purchase of $150 or higher at a Canadian Tire store, you can finance it through your account at no extra cost.
But the branded card options are lacking in a couple of important areas:
- Minimal insurance. Most basic cards include at least some complimentary insurance, but two of the three CT cards have nothing. The Triangle World Elite Mastercard has basic price protection and an extended warranty, plus rental car theft and damage insurance.
- No extra perks or benefits. These cards are as basic as it gets with the only notable perk being roadside assistance on the Triangle World Elite Mastercard.
Which Canadian Tire credit card is right for you?
As with any credit card, the best card for you depends on your shopping habits. Before you apply for any Canadian Tire credit card, ask yourself what you spend the most money on and pick a card that aligns with those habits.
Here are the best Canadian Tire cards by spending style:
- Triangle Mastercard for people who primarily shop at Canadian Tire and with its partners
- Triangle World Elite Mastercard for people who meet high-income qualifications and want premium benefits
- Cash Advantage Mastercard for people who want simple cash back rewards
How to earn and redeem Canadian Tire rewards
Canadian Tire replaced its old paper-based money back with the digital Triangle Rewards program. If you have a Canadian Tire card already (or decide to apply for one), here’s what you can expect.
To earn Triangle Rewards points, make purchases – it’s that easy. You’ll earn on your purchases at Canadian Tire and affiliated stores, including:
- Mark's/L'Équipeur
- SportChek
- PartyCity
- Sports Experts
- Atmosphere
- Pro Hockey Life
- Sports Rousseau
- Hockey Experts
- L'Entrepôt du Hockey
When you download the Triangle Rewards app, you’ll get limited-time bonus offers that can help you earn double, triple, or even five or ten times the points on eligible purchases.
Triangle Rewards points are valued 1:1 with Canadian dollars – so if you have $5 in Triangle Rewards points, you can redeem them for $5 CAD off your purchase at any of the above stores. Simply let the cashier know, and they’ll apply your points.
Is a Canadian Tire credit card worth it?
If you’re a loyal Canadian Tire customer and aren’t fussed about earning rewards that you can use elsewhere, you might consider a CT card. After all, there’s no fee, and it’s pretty easy to qualify for the card.
The biggest attraction is the Canadian Tire financing option you’ll enjoy: 12 months of no-fee, interest-free financing on purchases over $150. That’s in addition to the CT money you’ll earn by using the card at CT.
That said, even CT fans can benefit from choosing a different rewards credit card. Our favourite is the Amex SimplyCash Preferred Card. Your hands aren’t tied with using the card – you’ll earn fantastic rewards, and you have flexible redemption options. And yes, you can still use the card at Canadian Tire.
Triangle Rewards vs. other popular programs
If you haven’t committed to a loyalty program (or you’re wondering if it’s worth enrolling in yet another program), take a look at how these popular programs compare.
| Triangle Rewards | PC Optimum | Scene+ | |
|---|---|---|---|
| Where you can earn | * Canadian Tire * Sport Chek * Mark’s * Party City * L’Equipeur * Sports Experts * Petro-Canada … and more | * Loblaws * Shoppers Drug Mart * No Frills * Real Canadian Superstore * Esso/Mobil | * Scotiabank * Cineplex * Sobeys * Foodland * Home Hardware * Expedia |
| Program currency | Triangle Rewards Dollars (CT Money) | PC Optimum Points | Scene+ Points |
| What you earn | 0.4% back in CT Money | * 15 points per $1 at Shoppers Drug Mart and Pharmaprix * 10 points per litre at Esso/Mobil * Varying points at grocery stores * Bonus points/offers available | * 5 points per $1 at Cineplex * 1 point per $1 at Cineplex Stores, RecRoom, and Playdium * 3 points per $1 on hotel and car rentals through Expedia * 50 points per $50 spent at Home Hardware * Up to 20% back with retail partners * 1 point per $2 spent at select convenience stores * 1 point per $3 at select restaurants |
| Redemption option (highest earning option in bold) | * Cash redemption at Canadian Tire, Mark, Sports Chek, and other participating retailers | * Car wash at Esso or Mobil * Cash back at participating retailers * Annual fee discount * Donate points * Gas discount | * In-store discounts * Travel credits * Gift cards * Statement credits |
| Point value | $1 CT dollar = 1 CAD | 0.1 to 0.21 CPP | 0.67 to 1 CPP |
| Mobile app | Yes | Yes | Yes |
| Special features | * Free to join * Increase your earn rate and get extra rewards if you sign up for Triangle Select * Receive personalized weekly offers * Earn more during Triangle Bonus Days | * Free to join * Get members-only pricing * Share PC Optimum accounts * Earn more with a PC Optimum credit card or by opening a PC Money Account | * Free to join * Members-only deals and pricing at partnering grocery stores and pharmacies * Earn more points by using a Scene+ credit card |
| Best card | Triangle World Elite Mastercard | MBNA Rewards World Elite Mastercard | Scotiabank Gold American Express Card |
To help you decide the best program for you, think about where you spend the most money and find the program that rewards you the most for it.
Alternatives to Canadian Tire credit cards
If you’re serious about earning rewards, we recommend looking beyond Canadian Tire-branded cards. You’ll find plenty of other options with better earn rates, features, and perks.
| Category | Credit card | Average earn rate | Annual fee |
|---|---|---|---|
| Best flat rate cash back | SimplyCash Preferred Card from American Express | 2.55% | $119.88 |
| Best no fee cash back | SimplyCash Card from American Express | 1.46% | $0 |
| Best no annual fee Mastercard | MBNA Rewards Platinum Plus Mastercard | 1.54% | $0 |
| Best for collecting AIR MILES | BMO AIR MILES World Elite Mastercard | 1.35% | $120 |
1. Best flat rate cash back credit card for Canadian Tire
Rewards:
- 4% cash back on gas and groceries
- 2% cash back on all other purchases
If you're looking for a flat-rate cash back card that has a good earn rate for all your spending (at Canadian Tire and everywhere else), the SimplyCash Preferred Card from American Express is worth a second look.
Although there is an annual fee, you’ll earn up to 4% back on gas and groceries and 2% back everywhere else. If you’re still on the fence about the card, its generous welcome bonus of 10% cash back for the first 3 months, up to $2,000 in spend. Plus, earn $50 when you make a purchase on month 13 might seal the deal.
Pros:
- 10 types of included insurance
- American Express Invites and Front of the Line
- Access to Amex Offers
- Additional cards are free
Cons:
- Lower acceptance as an American Express
- Cash back only paid out once per year
- $119.88 annual fee
2. Best no fee cash back credit card for Canadian Tire
Rewards:
- 2% cash back on gas
- 2% cash back on groceries (up to $300 cash back annually)
- 1.25% cash back on all other purchases
If you like the idea of a cash back credit card for shopping at Canadian Tire but are balking at the annual fee, check out the SimplyCash Preferred Card from American Express's little brother, the SimplyCash Card from American Express.
It's similar to the premium version, but since it doesn't have an annual fee, the earn rate and welcome bonus are lower. But it’s a solid card and you’ll still earn 5% cash back for the first 3 months, up to $2,000 in spend.
Pros:
- No annual fee
- No income requirements
Cons:
- Lower acceptance as an American Express
- Limited insurance included
- Cash back only paid out once per year
3. Best no annual fee Mastercard for Canadian Tire
Rewards:
- 2 points for every $1 spent on restaurants, groceries, and select recurring bills (up to $10,000 spent annually per category)
- 1 point per $1 spent on all other purchases
Would you rather collect travel rewards than cash back? If so, check out the MBNA Rewards Platinum Plus Mastercard. You'll start with a welcome bonus of up to 10,000 bonus MBNA Rewards points after spending $500 in the first 90 days and signing up for paperless e-statements. Then you’ll earn 2 points for every $1 spent on restaurants, groceries, and select recurring bills.
You can redeem MBNA Rewards for travel, cash back, merchandise, gift cards, and charitable donations. With its flexibility and high earn rate, this card gives you the most purchasing power.
Pros:
- Solid earn rate
- 3 types of included insurance coverage
- No annual fee
Cons:
- Annual caps on bonus categories
4. Best for collecting AIR MILES at Canadian Tire
×1 Award winner 
$150 GeniusCash + Up to 9,000 bonus AIR MILES + 3x the AIR MILES at partners.*
GC: $150
1x Award winner Rewards:
- 1 Mile for every $12 spent
- 3x the Miles for every $12 at participating Air Miles partners
- 2x the Miles for every $12 spent at any eligible grocery, liquor, and wholesale stores
The BMO AIR MILES World Elite Mastercard is the closest thing to a platinum card on our list – and if you’re an Air Miles collector, it’s one you’ll want to check out.
You’ll get up to 9,000 bonus Air Miles as a welcome bonus, which is enough for a medium-haul flight. The card also includes travel perks like discounts, airport lounge access via Mastercard Travel Pass (no free passes), and concierge access.
And while the $120 annual fee is steeper than the other credit cards we’ve covered, the BMO AIR MILES World Elite Mastercard gives you more perks and benefits to make up for it.
Pros:
- Annual 25% discount on one Air Miles reward flight booking
- Automatic Air Miles Onyx status
- 14 types of included insurance
- Save up to 7 cents per litre at Shell
Cons:
- Low rewards compared to other premium cards
- High income requirements of either $80,000 personal or $150,000 household
FAQ
What credit card does Canadian Tire have?
Canadian Tire offers three Mastercards: the Triangle Mastercard, the Triangle World Elite Mastercard, and the Canadian Tire Cash Advantage Mastercard. The first two earn Triangle Rewards, while the last is purely a cash back card.
What credit score is needed for a Canadian Tire credit card?
Canadian Tire requires a good credit score to get any of its credit cards. Specifically, you’ll need a score between 760 and 900 to qualify. If your score needs improvement, focus on paying down debt and making timely payments consistently.
What is the minimum income for the Triangle World Elite Mastercard?
World Elite Mastercards typically have high income requirements, and the Triangle World Elite Mastercard is no exception. You’ll need at least $80,000 in personal or $150,000 in household income per year to qualify.
Are the Canadian Tire Mastercard and the Triangle Mastercard the same?
Yes, these are different names for the same Canadian Tire credit card. There’s no annual fee charged for the Triangle Mastercard, and it typically earns Canadian Tire Triangle Rewards but earns CT Money on fuel purchases.
What does the Triangle Mastercard offer for rewards?
The basic card gives you 4% CT Money at Canadian Tire, 1.5% CT Money at grocery stores, and 0.5% CT Money everywhere else. Plus, you’ll collect 5 cents CT Money per litre at Gas+ and Husky stations.
Editorial Disclaimer: The content here reflects the author's opinion alone. No bank, credit card issuer, rewards program, or other entity has reviewed, approved, or endorsed this content. For complete and updated product information please visit the product issuer's website. Our credit card scores and rankings are based on our Rating Methodology that takes into account 126+ features for each of 229 Canadian credit cards.
