Recommended Credit Score:
670 900
Average to Excellent
Welcome Bonus Value
Annual Fee
Purchase Interest Rate
Min Personal Required
My Rate Compass Rating: star star star star_outline star_outline (3)
Bank Name:Canadian Tire Financial
Network Type:Mastercard
Card Details

Triangle Mastercard Review

Welcome Bonus:

Canadian Tire is offering a lucrative and unique welcome offer to new cardmembers :Get 15% back in CT Money* when you make your first purchase at any of their participating retailersand activate your new Triangle Mastercard. 

Collect 4% in CT Money

at Canadian Tire, Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts,
L'Entrepot du Hockey and participating Mark's/L'Equipeur and Sports Experts stores.

Redeem your CT Money

at Canadian Tire, Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts,
L'Entrepot du Hockey and participating Mark's/L'Equipeur and Sports Experts stores.

Collect 5c per litre

in CT Money at Gas+ and participating Husky stations, every time you fill up

Our experts have compiled a list of the best cards in Canada in each major category, from cash back and low rate to balance transfers and more. Explore our top picks and find the best credit card for you.

Best Credit Cards in Canada 2022

  • Priority airport services No
  • Airport lounge access No
  • Concierge service No
  • Balance protection(Optional) No
  • Purchase Security & Extended Protection Insurance NO
  • Flight delay insurance,Baggage Insurance No
  • Vehicle rental insurance No
  • Travel accident insurance No
  • Travel medical insurance No
Fees and Eligibility
  • Annual Fee: $0
  • Additional Card Fee: $0
  • Purchases Interest Rate: 19.99%
  • Cash Advance Interest Rate: 22.99%
Personal Income Required: $15000
  • You're a Canadian resident
  • You've reached the age of majority in your province or territory
Recommended Credit Score:
670 900
Average to Excellent
Our Rating
My Rate Compass Rating: star star star star_outline star_outline (3)
Rating Methodology: My Rate Compass's ratings are determined by our editorial team. Our editors rate credit cards objectively based on the benefits and features the credit card offers, interest rates, the fees, and how a credit card compares with other cards in its category. Credit card rating methodology
Editorial Guidelines: Learn more about our editorial guidelines here.
Pros and Cons
Learn about some of the advantages of the Triangle Mastercard

Turn Big Purchases
into Small Payments

No fee, no interest financing* on qualifying purchases of $200 or more at participating stores.

Financing available*at Canadian Tire, Sport Chek, Atmosphere, Sports Rousseau, Hockey Expert, L'Entrepot du Hockey and participating Mark's/L'Equipeur, Sports Experts stores

Editor's Review

Canadian Tire is one of Canada’s better known brands with over 500 stores from coast to coast. There isn’t much you won’t find at one of Canadian Tire’s stores, they sell household essentials, tools, equipment, electronics, home decor, camp gear and much more. You’ll never be too far from a Canadian Tire store and chances are you’ll find what you need.

If you’re already a Canadian Tire customer, or like the sounds of what they offer, you’ll also like the Triangle Mastercard, Canadian Tire’s entry level credit card.

The Triangle Mastercard has no annual fee
, no minimum income requirements and various perks that you can benefit from. Card holders earn 4% Canadian Tire Money back on all purchases at Canadian Tire stores and their affiliates. Sports Check, Atmosphere and Mark’s are affiliates of Canadian Tire where you can exercise your 4% earnings.

There is no limit on how much you can earn on the 4% Canadian Tire money back meaning the earnings are infinite. However, there is one drawback which is that the 4% is only on pre-tax expenditures. You won’t earn cash back on HST or other sales tax you pay.


Card holders also have the opportunity to earn outside of Canadian Tire stores and their affiliates. When you spend anywhere else, you’ll earn 0.8% Canadian Tire money back. Even though this rate isn’t the most optimal on the market, you’ll still be earning more than a basic Triangle Rewards member who earns 0.4% back. Finally, card holders earn 5 cents of Canadian Tire Money per litre of gas purchased whenever they spend at Husky, Gas+ or Essence+.


Another benefit to using any Canadian Tire credit card is access to no fee and no interest financing on qualifying purchases over $200. The amount you spend is repaid over twelve months, in equal installments, when the purchase is between $200 and $499. When the purchase is over $500, you can repay the amount in twenty-four monthly, equal instalments. All of this is possible through Canadian Tire bank.


Out of all the Canadian Tire credit cards, this one has the least amount of perks. However, this is to be expected since it is an entry level card, it has no annual fee and no minimum income requirements. With that in mind, the Triangle Mastercard does offer their card holders the opportunity to earn, even if it is minimal. Furthermore, rewards can only be redeemed at Canadian Tire, Sports Chek, Mark’s and Atmosphere. This isn’t a huge array of options, although, for some it’s enough to satisfy their needs.


All in all, the Triangle Mastercard is a good choice for individuals who shop a lot at Canadian Tire and are looking to gain some earnings while they do it. If you’re looking to save some dollars on your day to day needs, consider the Triangle Mastercard!

Still undecided ? This credit card has few close cousins from Canadian Tire Financial Services family:

Triangle World Elite Mastercard

Cash Advantage Mastercard

Gas Advantage Mastercard