Card Details

Bank Name: Canadian Tire Financial
Network Type: Mastercard
Card Type: Personal
MRC Rating 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.: (3)


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

Average to Excellent (670-900)


Welcome Bonus:
Special Offer:
Get 15% back in CT Money* when you make your first purchase at any of their participating retailers* and activate your new Triangle card
Apply Now On Canadian Tire Financial's Secure Website

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

Priority airport services
Airport lounge access
Concierge service
Balance protection(Optional)
Purchase Security & Extended Protection Insurance
Flight delay insurance,Baggage Insurance
Vehicule rental insurance
Travel accident insurance
Travel medical insurance
Total Reviews: 0

Rating: 1 2 3 4 5 ( 3 )

Application Experience: 1 2 3 4 5

Rewards/Features: 1 2 3 4 5

Customer Service: 1 2 3 4 5

Convenience: 1 2 3 4 5

Likelihood to recommend: 1 2 3 4 5


Other Recommended Credit Cards


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


Apply Now On Canadian Tire Financial's Secure Website

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Author Bio

Mohamed Konate

Mohamed Konate is a personal finance expert, blogger, and marketing consultant based out of Toronto. He is a former financial services professional who worked for many years at major Canadian financial institutions where he managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor in Business Administration from the University of Quebec (Montreal) and a Master in International Business from the University of Sherbrooke (Quebec).He is also the author of the Canadian Credit Card Guidebook.