Triangle World Elite Mastercard
Collect 3%2 in CT Money
Collect 3% back in CT Money when you stock up on groceries (on the first $12,000 per year; excludes Costco and Walmart).
1% everywhere else
CT Money everywhere else† you shop.
Collect 4% in CT Money
Collect 4% back in CT Money on almost everything at Canadian Tire, Sport Chek, Mark's, L’Équipeur, Party City, Atmosphere, Pro Hockey Life, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts.
Collect 5c-7c1 per litre
Collect 7¢ per litre1 in CT Money on premium fuel, and 5¢ per litre1 on all other fuel types when you fill up at Gas+ and Essence+ locations.
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.
Turn Big Purchases into Small Payments
No fee, no interest financing* on qualifying purchases of $200 or more at participating stores
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.
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Priority airport services
No
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Airport lounge access
No
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Concierge service
Yes
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Balance protection(Optional)
No
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Purchase Security & Extended Protection Insurance
Yes
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Flight delay insurance,Baggage Insurance
No
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Vehicle rental insurance
Yes
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Travel accident insurance
No
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Travel medical insurance
No
- Annual Fee: $0
- Additional Card Fee: $0
- Purchases Interest Rate: 19.99%
- Cash Advance Interest Rate: 22.99%
- You're a Canadian resident
- You've reached the age of majority in your province or territory
Turn Big Purchases into Small Payments
No fee, no interest financing* on qualifying purchases of $200 or more at participating stores
Access member-only eventsBe the first to know about exclusive events and extra savings
Roadside Assistance Gold Plan
With the Triangle World Elite Mastercard Roadside Assistance Gold Plan, you get towing distance of up to 250 km per service call to the destination of your choice (within Canada or the US).
Extended Warranty Insurance
Plus protection for most items in event of loss, damage, or theft within 90 days of purchase
Personal 24/7 concierge services
Enhanced Customer Service(priority queuing) in our award-winning call centre
Triangle World Elite Mastercard review
Are you an avid customer of Canadian Tire? If yes, then the Triangle World Elite Mastercard might be right for you! This card doesn’t have an annual fee which means you’ll save some dollars while still getting the perks of the credit card.
The biggest perk of this credit card is you receive 4% Canadian Tire Money back when shopping at Canadian Tire stores and their affiliates. Canadian Tire’s affiliates include Sport Chek, Atmosphere and Mark’s. Between Canadian Tire and these stores, you’ll be able to purchase everything you need as you’re likely familiar with the amount of products these companies sell.
There is no limit on how much you can earn on the 4% rate which means the earnings are endless. Although the 4% cash back only applies to the pre-tax amount which puts a slight dent in your earning rate. The cash back rewards of this card are notable because basic Triangle Rewards Members only receive 0.4% cash back.
Triangle Mastercard holders also earn at an accelerated rate when they spend money on groceries. When card holders spend money on groceries anywhere except Costco and Walmart, they receive 3% Canadian Tire Money back. This means you can earn 3% cash back at No Frills, Loblaws, Longos, Superstores and Metro, among many others. Keep in mind that there is a cap rate, the 3% back only applies to the first $12,000 spent on groceries in a year.
Card holders also receive Canadian Tire Money back when they spend elsewhere, but the cash can only be redeemed at Canadian Tire stores and their affiliates. When spending on other things, card holders receive 1% Canadian Tire Money back.
Finally, card holders earn between 5 and 7 cents per litre back in Canadian Tire Money when they purchase gas from Husky, Gas+ or Essence+ stations. The range of 5 to 7 cents depends on what kind of gas you’re purchasing, 5 cents back is applicable on regular gas and 7 cents back is applicable on premium gas. Another perk for regular drivers is you’ll receive free roadside assistance coverage. The plan you receive is the Gold Plan from Canadian Tire which is worth approximately $100. The plan covers you for emergency towing, trip accident insurance, battery boosts, flat tire changes and much more.
As mentioned, rewards from this card can’t be redeemed everywhere because it isn’t literal cash back, it’s Canadian Tire money back. This means the rewards can only be redeemed at Canadian Tire stores and their affiliates. In other words, there are more opportunities to earn than there are to redeem. Earnings also can’t be redeemed in cash or used as statement credits unlike other rewards based credit cards.
Lastly, there is an income requirement for this card. You’ll need to earn $80,000 yourself or $150,000 within your household annually to use this credit card. If you don’t meet this requirement, Canadian Tire offers other credit cards that have less rigorous income requirements.
Overall, the Triangle World Elite Mastercard is an excellent choice for those who have families and regularly shop at Canadian Tire. With no annual fee and plenty of earning opportunities you can’t go wrong!
Cash Advantage Mastercard
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Triangle Mastercard
American Express Cobalt® Credit Card review 2024
Welcome Offer:
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In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in purchases on your Card. This could add up to 15,000 points in a year.
American Express Cobalt® Card Income Requirements Many American Express credit cards have income range requirement to be eligible for the card however the Amex Cobalt Card doesn’t have a specific income requirement which mean that you could be approved for this credit card if you meet the requirements below: Credit score of 670+ You must be the age of majority. Canadian resident with a Canadian credit file.
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SimplyCash® Preferred Card from American Express Review
• In your first 10 months as a new SimplyCash® Preferred Card from American Express Cardmember, you can earn a $40 statement credit for each monthly billing period in which you spend $750 in purchases on your Card. This could add up to $400 in statement credits in the first 10 months
• Earn accelerated earn rates on eligible gas and grocery purchases
• Earn 4% cash back on eligible gas station purchases in Canada, 4% cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually) and 2% cash back on all other purchases
• Access events and special offers curated for Cardmembers with American Express® Experiences
• Extensive insurance coverage and 24/7 Customer Service
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
HSBC World Elite® Mastercard® Review 2023
With the HSBC World Elite Mastercard you earn 6 points for $1 in Net Purchanses which are Travel Purchases, 4 Points for $1 in Net Purchases that are Gas, Grocery and Drugstore Purchases and 2 Points for $1 in Net Purchases, other than Travel, Gas, Grocery and Drugstore Purchases.
Save on all your fore
Special offer: Earn up to 50,000 points* ($250 travel value) PLUS a full annual fee rebate for the primary cardholder for the first year* ($149 value) and receive a $100 annual travel enhancement credit*. Must apply by September 29, 2023. Conditions apply.
o Welcome bonus of 20,000 points* ($100 travel value)
o Earn 40,000 points* when you spend $6,000 within 6 months of account opening ($200 travel value)
o Earn 20,000 points* as an anniversary bonus ($100 travel value)
o First year annual fee rebate for the primary cardholder* ($149)
o Receive a $100 annual travel enhancement credit*
Enjoy maximum flexibility and redeem your Points on your terms for:
Travel
Gift cards and valuable merchandise
Financial rewards
Rewards for miles
This offer is only available to residents of Canada other than the province of Quebec (Quebec residents eligible for separate offer)
*Terms and Conditions apply
®/TM Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Used pursuant to licence.
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No foreign transaction feesSave on all your foreign currency purchases (even online) with no additional foreign currency conversion charges. Only the exchange rate will apply.
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HSBC World Elite Rewards ProgramEarn 3% in travel rewards on all eligible travel purchases(6 Points per $1) and 1.5% in travel rewards on all other eligible purchases(3 Points per $1).
Author Bio
Mohamed Konate is a personal finance expert, blogger, and marketing consultant based in Toronto. He is a former financial services professional who worked at major Canadian financial institutions for many years. 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's in Business Administration from the University of Quebec (Montreal) and a Master's in International Business from the University of Sherbrooke (Quebec). He is also the author of the Canadian Credit Card Guidebook.
