The Triangle World Elite Mastercard is the best no-fee loyalty card in Canada for anyone who regularly shops at Canadian Tire, Sport Chek, Mark’s, or Atmosphere. At 4% back at those stores with zero annual fee, it handily beats any general cashback card for that spending. The 3% grocery rate (excluding Costco and Walmart) is also competitive, and the 1% general rate matches most no-fee alternatives. The catch? Your rewards come as Canadian Tire Money, which can only be redeemed at Canadian Tire family stores, so this card only makes sense if you actually shop there. If you want universal cash back, the Rogers Red World Elite Mastercard is a better all-around no-fee pick. It’s one of the no-fee cards reviewed on our credit card reviews hub.
| Fact | Details |
|---|---|
| Card | Triangle World Elite Mastercard |
| Issuer | Canadian Tire Bank |
| Annual Fee | $0 |
| Income Requirement | $80,000 personal or $150,000 household |
| Base Earn Rate | 4% Canadian Tire Money at Canadian Tire/Sport Chek/Mark's, 3% grocery (excludes Costco/Walmart), 1% everything else |
| Foreign Transaction Fee | 2.5% |
| Purchase Interest Rate | 19.99% |
| Cash Advance Interest Rate | 22.99% |
Stable card facts (fee, income requirement, base earn rate, and any confirmed interest/FX rates) current as of 2026-09-05. Welcome/sign-up bonuses change frequently and are not included here — confirm the current offer on the issuer’s site before applying.
It’s a World Elite Mastercard that earns Canadian Tire Money (CT Money). Included insurance: purchase protection, extended warranty, car rental.
Earning Rates
| Category | CT Money Rate |
|---|---|
| Canadian Tire stores | 4% |
| Sport Chek | 4% |
| Mark’s | 4% |
| Atmosphere | 4% |
| Groceries (excludes Costco, Walmart) | 3% (capped) |
| Gas: premium fuel (Gas+, Petro-Canada) | 7¢/litre |
| Gas: all other fuel types (Gas+, Petro-Canada) | 5¢/litre |
| Everything else | 1% |
Annual Rewards Estimate
The spending scenario below shows how a household with moderate Canadian Tire family store spending, plus regular groceries, can earn roughly $410 in CT Money annually: all with no annual fee. If you also fill up at Gas+ or Petro-Canada, the 5¢/litre (regular) or 7¢/litre (premium) discount adds up quickly for suburban commuters. Keep in mind that CT Money doesn’t expire as long as you earn or redeem at least once every 18 months, so rewards accumulate over time even for occasional shoppers. The $80,000 income requirement is the main barrier; if you don’t qualify, the Triangle Mastercard (no income requirement) earns slightly lower rates at the same stores.
| Monthly Spend | Category | Annual CT Money |
|---|---|---|
| $200 Canadian Tire/Sport Chek | 4% | $96 |
| $100/mo Canadian Tire gas (regular), ~63L/mo at $1.60/L | 5¢/L | $38 |
| $500 groceries | 3% | $180 |
| $800 other | 1% | $96 |
| Total | $410 |
$0 annual fee.
Pros and Cons
| Pros | Cons |
|---|---|
| No annual fee | Rewards only at CT family stores |
| 4% at CT/Sport Chek/Mark’s | 1% general rate is average |
| 5¢-7¢/litre at Gas+/Petro-Canada | WE income requirement is high |
| Roadside assistance included | CT Money has limited redemption |
| Good insurance package | No cash back option |
Who Should Get This Card
| Profile | Recommendation |
|---|---|
| Regular Canadian Tire / Sport Chek shopper | ✅ Ideal |
| Fill up at Gas+ or Petro-Canada | ✅ 5¢-7¢/litre is great |
| Want universal cash back | ⚠️ Rogers WE is better |
| Low CT family store spending | ⚠️ Not enough value |
The Bottom Line
The Triangle World Elite Mastercard is a strong no-fee card for Canadian Tire family store shoppers. Earning 4% at CT, Sport Chek, and Mark’s with no annual fee is hard to beat for loyalty spending. Pair it with a general cashback card like the Rogers World Elite for everything else, and you’ll maximize rewards across all spending.
Frequently asked questions
What is the Triangle World Elite Mastercard? The Triangle World Elite Mastercard is issued by Canadian Tire Bank and earns Canadian Tire Money (CTM) on purchases. It earns 4% CTM at Canadian Tire, Sport Chek, and related retailers; 3% at grocery stores (excludes Costco/Walmart); and 1% everywhere else. There is no annual fee.
Is the Triangle World Elite Mastercard worth getting? For regular Canadian Tire and Sport Chek shoppers, the 4% earn rate at these retailers is a strong store-specific rate. However, the earn rate outside the CT ecosystem and grocery bonus (1%) is average, and Canadian Tire Money has limited redemption flexibility (in-store only). As a secondary card for CT/Sport Chek purchases, it adds value; as a primary everyday card, it underperforms general cash-back alternatives.
What is the income requirement for the Triangle World Elite Mastercard? The Triangle World Elite Mastercard requires a minimum personal income of $80,000 or household income of $150,000: the standard World Elite Mastercard threshold. Despite the World Elite branding, the card benefits are largely tied to the Canadian Tire ecosystem rather than traditional World Elite travel benefits.
Triangle World Elite Mastercard earn rates
| Category | Earn rate |
|---|---|
| Canadian Tire, Sport Chek, Mark’s, Party City, L’Équipeur | 4% in Canadian Tire Money |
| Eligible grocery stores (exc. Walmart/Costco) | 3% in Canadian Tire Money |
| Gas stations (Gas+/Petro-Canada) | 7 cents/L premium fuel, 5 cents/L all other grades |
| All other purchases | 1% in Canadian Tire Money |
Canadian Tire Money redemption: Earned CTM is stored in the Triangle app and redeemable at any Canadian Tire, Sport Chek, Mark’s, or affiliated retail location. Cannot be redeemed for cash or non-CT products.
Gas+ stations: The 5 cents/litre discount at Canadian Tire Gas+ stations is a strong benefit for drivers near Gas+ locations. At 60 litres/fill, that’s $3.00 per fill: equivalent to roughly 5% back at current gas prices. Confirm the current Gas+ discount rate directly with Canadian Tire, as loyalty program discounts are adjusted periodically.
Triangle WE vs CIBC Costco MC for everyday Canadians
| Feature | Triangle WE | CIBC Costco MC |
|---|---|---|
| Best earn rate | 4% at CT ecosystem | 3% at restaurants |
| Grocery earn | 3% (excludes Costco/Walmart) | 1% (no grocery bonus; in-warehouse Costco purchases earn the base rate) |
| Annual fee | None | None |
| Redemption flexibility | CT stores only | Costco Cash Card only |
| Acceptance | Mastercard (everywhere) | Mastercard (everywhere) |
Both are strong no-fee options for their respective ecosystems; neither shines as a sole everyday card.
Related Resources
Sources
The figures and rules on this page come from these sources. How we check facts.
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