TRIANGLE WORLD ELITE MASTERCARD Review
Recommended Credit Score:
670 900
Average to Excellent
$0
Welcome Bonus Value
$0
Annual Fee
19.99%
Purchase Interest Rate
$80,000
Min Personal Required
TRIANGLE WORLD ELITE MASTERCARD
My Rate Compass Rating: star star star star_half star_outline (3.5)
Bank Name:Canadian Tire Financial
Network Type:Mastercard
TRIANGLE WORLD ELITE MASTERCARD
Welcome Bonus
Annual Fee
$0
TRIANGLE WORLD ELITE MASTERCARD
Card Details

Triangle World Elite Mastercard Review

Collect 3%2 in CT Money

when you stock up at grocery stores (on the first $12,000 per year; excludes Costco and Walmart)

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.

Collect 5c-7c1 per litre

Collect 7c per litre in CT Money on premium fuel, and 5? per litre on all other fuel types at Gas+/Essence+ locations and participating Husky stations1

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

Insurance
  • Priority airport services No
  • Airport lounge access No
  • Concierge service Yes
  • Balance protection(Optional) No
  • Purchase Security & Extended Protection Insurance Yes
  • Flight delay insurance,Baggage Insurance No
  • Vehicule rental insurance Yes
  • Travel accident insurance No
  • Travel medical insurance No
Fees and Eligibility
Fees
  • Annual Fee: $0
  • Additional Card Fee: $0
  • Purchases Interest Rate: 19.99%
  • Cash Advance Interest Rate: 22.99%
Eligibility
Personal Income Required: $80000
  • 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_half star_outline (3.5)
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

Turn Big Purchases into Small Payments

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

Access member-only events

Be the first to know about exclusive events and extra savings

Roadside Assistance Gold Plan

Plus Car Rental Collision/Loss Damage Waiver Insurance

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

Editor's Review

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!



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

Cash Advantage Mastercard

Gas Advantage Mastercard

Triangle Mastercard

 



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