Canadian Tire · Mastercard · CT Money
Reviewed 2026-07-06 · By The Points Standard editorial team
Triangle World Elite Mastercard
A genuinely strong no-fee card for Canadian Tire loyalists — 4% at Triangle banners and 3% on groceries rival paid cash-back cards — but the income requirement and CT Money's redemption ceiling keep it a specialist's pick rather than an everyday-carry default.
Standard Score breakdown — Situational
Six weighted components, each rated 0–10. "Contributes" is the rating × weight — add all six and you get the 5.55/10 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 (e.g. $150 CT Money) appear periodically; check the current offer before applying |
| Est. bonus value | ≈ $0 |
| First-year net value | ≈ $250 |
Earn rates
| Canadian Tire, Sport Chek, Mark's, Atmosphere | 4% |
| Groceries (capped at $12,000/year) | 3% |
| Gas at Gas+/Husky | 5-7¢/litre |
| Everything else | 1% |
Why it earns its score
- No annual fee World Elite Mastercard with genuinely strong CT Money rates
- 4% at Canadian Tire, Sport Chek, Mark's, and Atmosphere
- Complimentary roadside assistance (~$100/year value), purchase protection, and extended warranty
Where it loses points
- No standing welcome bonus — value is entirely in ongoing spend
- $80K personal / $150K household income requirement locks out many applicants
- CT Money has no transfer partners and is only useful if you shop Triangle-family banners
Who it's for
Canadian Tire, Sport Chek, and Mark's shoppers with real grocery spend who clear the income threshold and want a free World Elite card.
Who should skip it
You don't shop Triangle-family banners regularly, or you don't clear the $80K/$150K income bar — the fee-free base Triangle Mastercard earns the same rates without the income gate.
Included insurance
Purchase protection (90 days) · Extended warranty (additional 1 year)
Source: issuer card page · Last reviewed 2026-07-06. Details change often — confirm current terms with the issuer before applying.