Earn More CT Money with Triangle Rewards and Triangle Mastercard

If you’re Canadian, you’ve likely shopped at Canadian Tire. Founded nearly a century ago to sell tires, the retailer has grown into a convenient destination for home, automotive and outdoor needs. Today you can find everything from patio furniture and kitchen appliances to hockey gear and camping supplies under one roof. Many locations also offer vehicle repairs by licensed technicians.

Over the years the company expanded its retail family to include Mark’s Work Wearhouse (Mark’s), sporting chains like Sport Chek and Atmosphere, and other partner stores. Below is a clear overview of how to earn and maximize rewards with one of Canada’s best-known retail loyalty programs and credit cards.

---

Canadian Tire Triangle Mastercard

Canadian Tire Triangle Mastercard*

The Canadian Tire Triangle Mastercard is an accessible, no-annual-fee credit card with no formal income requirement. It’s designed for shoppers who regularly visit Canadian Tire and its partner stores and who want to collect CT Money (the program’s digital rewards currency) on everyday purchases.

This card awards 4% back in CT Money for purchases at Canadian Tire and participating partner locations. Purchases made elsewhere earn a lower base rate. Cardholders also benefit from personalized promotional offers tailored to their shopping habits.

• Annual fee: $0
• Interest rates: 21.99% on purchases; 22.99% on cash advances and balance transfers
• Rewards at partner locations: 4% in CT Money on purchases at Canadian Tire and partner stores
• Rewards on everything else: 1.5% on the first $12,000 spent on groceries per calendar year (excludes Costco and Walmart); 0.5% on other purchases
• Welcome offer: (See issuer for current details)
• Additional benefits: Personalized offers, member-only events and occasional exclusive bonuses
• Annual income requirement: None

All about Canadian Tire’s Triangle Rewards program

Triangle Rewards is Canadian Tire’s loyalty program, built on decades of customer rewards experience that began with physical Canadian Tire Money in 1958. That original coupon-style reward evolved into a digital currency—CT Money—when the Triangle program launched in 2018, enabling members to collect rewards more widely and conveniently.

There are two main ways to participate in Triangle Rewards: by holding a Triangle Mastercard or by registering as a Triangle Rewards member using the app or a physical loyalty card. Both routes let you collect CT Money on qualifying purchases, but earning rates differ. Basic loyalty members earn a modest rate at Canadian Tire and partner stores, while Triangle Mastercard holders earn a significantly higher rate—making the card more attractive for frequent shoppers.

In 2023 the program added a paid tier called Triangle Select. For an annual fee, Triangle Select members can multiply the CT Money they earn on everyday purchases made with a Triangle Mastercard, stacking those earnings on top of the card’s regular in-store rewards.

How to boost your rewards

To get the most value from a Triangle Mastercard, follow a few simple practices. First, pay your balance in full each month when possible to avoid interest that can negate rewards value. Keep a realistic budget and avoid overspending to chase CT Money.

The card also includes promotional financing on qualifying purchases made at Canadian Tire-affiliated stores: purchases of a specified minimum can be split into interest-free installments if you meet the qualifying criteria. These plans let you spread the cost without paying interest, provided you meet the terms and make each required payment on time. You still earn CT Money on the purchase amount.

If you routinely place recurring bill payments on your Triangle Mastercard, you can collect CT Money on those payments as well. Registering bills such as utilities or insurance with the card can build rewards steadily—just be mindful that carrying a balance will incur interest charges, which may outweigh the benefit of the rewards if not repaid promptly.

Extra benefits

Triangle Rewards members and cardholders receive targeted promotional offers weekly. These personalized deals might boost CT Money earnings by large multiples on specific categories—such as pet supplies, automotive items, or sporting goods—so activate offers that match your purchases to maximize rewards. These promotions make the card especially useful for families, hobbyists and homeowners who repeatedly buy similar items.

Potential drawbacks

The Triangle Mastercard is a strong choice for customers who frequently shop at Canadian Tire, Sport Chek, Mark’s, Atmosphere and other partners. However, the card’s earn rate for non-partner purchases is relatively low, so the card delivers less value for those who primarily spend elsewhere. CT Money can only be redeemed at Canadian Tire and participating partner stores, so if you rarely visit those retailers, the rewards may not justify carrying the card.

More about credit cards in Canada:

• The best credit cards in Canada
• The best no foreign transaction fee credit cards
• The best Air Miles credit cards
• The best travel credit cards in Canada