Card at a Glance
| Feature | Details |
|---|---|
| Card name | Triangle World Elite Mastercard |
| Annual fee | $0 |
| Minimum income | $80,000 personal / $150,000 household |
| Network | World Elite Mastercard |
| Rewards type | Canadian Tire Money (CT Money) |
| 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% |
| Gas (Canadian Tire gas) | 5¢/litre |
| Groceries | 1.5% |
| Everything else | 1% |
Annual Rewards Estimate
| Monthly Spend | Category | Annual CT Money |
|---|---|---|
| $200 Canadian Tire/Sport Chek | 4% | $96 |
| $100 Canadian Tire gas | ~5% | $60 |
| $500 groceries | 1.5% | $90 |
| $800 other | 1% | $96 |
| Total | $342 |
$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¢/litre at Canadian Tire gas | 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 Canadian Tire gas | ✅ 5¢/litre is great |
| Want universal cash back | ⚠️ Rogers WE is better |
| Low CT family store spending | ⚠️ Not enough value |