Triangle Mastercard
The accessible on-ramp to Triangle Rewards. Upgrade to the World Elite tier the moment your income qualifies — same fee, better grocery rate.
- Annual fee
- None
- Welcome bonus value (full offer)
- ≈ $0 No standing welcome bonus — promotional CT Money offers appear periodically; check the current offer before applying
- First-year net value
- ≈ $150
- Interest rates
- 21.99% purchases · 22.99% cash advances
Direct issuer link — details verified 2026-07-20
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Data caveat: Canadian Tire runs CT Money welcome promotions in windows rather than a standing public offer, so we score this card with a $0 welcome bonus — any promotion you catch is upside on top of our numbers.
Standard Score breakdown
PassSix weighted components, each rated 0–10. “Contributes” is the rating × weight — add all six and you get a raw 4.85/10, published as 4.8/10.
Evidence behind each input
The facts are structured; the rating remains an editorial judgment. Open any component to audit what was considered without mistaking the evidence for an automatic formula.
First-year value4.0/10
The anchor fixes the starting point; the 1.0-point reduction is within the published maximum and makes the reachability judgment visible.
- $150 first-year net value maps to a 5.0/10 baseline.
- Published first-year input: 4.0/10 (-1.0 versus baseline).
- Adjustment context: CT Money has no transfer partners and is only useful at Triangle-family banners
Ongoing value5.5/10
This input judges recurring earn and cash-like credits after the annual fee; the welcome offer and non-cash perks are excluded.
- No annual fee.
- Published earn: 4% — Canadian Tire, Sport Chek, Mark's, Atmosphere; 1.5% — Groceries (excludes Costco and Walmart); 0.5% — Everything else.
- No cap is stated in the structured earn rows.
Flexibility4.0/10
This input judges how easily CT Money can become useful value without forcing one narrow redemption path.
- Reward currency: CT Money.
- Constraint: CT Money has no transfer partners and is only useful at Triangle-family banners
Perk usability4.0/10
This input credits non-cash benefits at realistic use, separate from cash-like credits already counted in ongoing value.
- No airport lounge access.
- No included insurance is listed.
Low friction8.5/10
This input combines network acceptance, caps, conditions, eligibility, and operational effort; a higher rating means less friction.
- Mastercard acceptance; 2.5% foreign-transaction fee.
- No published income minimum.
Strategic fit5.0/10
This input asks whether the card fills a distinct role in a small wallet rather than duplicating another card; redemption quality is not counted again here.
- Ranking roles: cash-back, groceries-dining.
- Fit case: Canadian Tire, Sport Chek, and Mark's shoppers who don't clear the World Elite tier's income requirement.
- Main conflict: You clear the $80K/$150K income bar — the World Elite version earns double on groceries for the same $0 fee.
See how the Standard Score works or re-weight it to your priorities.
Earn rates
| Category | Rate |
|---|---|
| Canadian Tire, Sport Chek, Mark's, Atmosphere | 4% |
| Groceries (excludes Costco and Walmart) | 1.5% |
| Everything else | 0.5% |
Included insurance
Why it earns its score
- No annual fee and no income requirement, unlike the World Elite tier
- Same 4% Triangle-banner rate as the World Elite version
- Easy approval odds make it accessible to nearly everyone
Where it loses points
- Grocery rate (1.5%) is well below the World Elite version's 3%
- CT Money has no transfer partners and is only useful at Triangle-family banners
- No travel insurance or purchase perks beyond the basics
Who it’s for
Canadian Tire, Sport Chek, and Mark's shoppers who don't clear the World Elite tier's income requirement.
Who should skip it
You clear the $80K/$150K income bar — the World Elite version earns double on groceries for the same $0 fee.
The bottom line
Standard Score 4.8/10 — Pass. We estimate ≈ $150 in first-year net value after the $0 fee.
Direct issuer link — no commission shapes this review
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Renewal math
Should you keep this card?
There’s no annual fee, so keeping it costs nothing — the only renewal question is whether a different no-fee card would earn more on your spending. Check the rankings or the card finder if you suspect it would.
Source: issuer card page · Last reviewed 2026-07-20. Details change often — confirm current terms with the issuer before applying.
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