Canadian Tire · Mastercard · CT Money
Reviewed 2026-07-06 · By The Points Standard editorial team
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.
Standard Score breakdown — Pass
Six weighted components, each rated 0–10. "Contributes" is the rating × weight — add all six and you get the 4.70/10 Standard Score above.
See how the Standard Score works or re-weight it to your priorities.
The numbers
| Annual fee | None |
| Welcome bonus | No standing welcome bonus — promotional CT Money offers appear periodically; check the current offer before applying |
| Est. bonus value | ≈ $0 |
| First-year net value | ≈ $150 |
Earn rates
| Canadian Tire, Sport Chek, Mark's, Atmosphere | 4% |
| Groceries (excludes Costco and Walmart) | 1.5% |
| Everything else | 0.5% |
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.
Included insurance
Source: issuer card page · Last reviewed 2026-07-06. Details change often — confirm current terms with the issuer before applying.