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.
- Annual fee
- None ($80,000 minimum personal income or $150,000 household income required for World Elite eligibility)
- Welcome bonus value (full offer)
- ≈ $0 No standing welcome bonus: promotional CT Money offers (e.g. $150 CT Money) appear periodically; check the current offer before applying
- First-year net value
- ≈ $250
- Interest rates
- 21.99% purchases · 22.99% cash advances
Direct issuer link · details verified Oct 4, 2026
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
SituationalSix weighted components, each rated 0–10. “Contributes” is the rating × weight: add all six and you get a raw 5.55/10, published as 5.5/10.
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 value4.5/10
The anchor fixes the starting point; the 0.5-point reduction is within the published maximum and makes the reachability judgment visible.
- $250 first-year net value maps to a 5.0/10 baseline.
- Published first-year input: 4.5/10 (-0.5 versus baseline).
- Adjustment context: No standing welcome bonus; value is entirely in ongoing spend
Ongoing value7.0/10
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.
- Fee condition: $80,000 minimum personal income or $150,000 household income required for World Elite eligibility
- Published earn: 4%: Canadian Tire, Sport Chek, Mark's, Atmosphere; 3%: Groceries (capped at $12,000/year); 5–7¢/litre: Gas+ and Petro-Canada (7¢ premium; 5¢ all other fuel).
- 1 earn row carries an explicit spend cap or threshold.
Flexibility4.5/10
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 if you shop Triangle-family banners
Perk usability5.5/10
This input credits non-cash benefits at realistic use, separate from cash-like credits already counted in ongoing value.
- No airport lounge access.
- 2 published insurance benefits: Purchase protection (90 days); Extended warranty (additional 1 year).
- Other published benefit: Complimentary roadside assistance (~$100/year value), purchase protection, and extended warranty
Low friction7.0/10
This input combines network acceptance, caps, conditions, eligibility, and operational effort; a higher rating means less friction.
- Mastercard acceptance; 2.5% foreign-transaction fee.
- Eligibility: $80,000 personal-income minimum; $150,000 household-income alternative.
- Practical constraint: $80K personal / $150K household income requirement locks out many applicants
Strategic fit6.0/10
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 with real grocery spend who clear the income threshold and want a free World Elite card.
- Main conflict: 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.
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 (capped at $12,000/year) | 3% |
| Gas+ and Petro-Canada (7¢ premium; 5¢ all other fuel) | 5–7¢/litre |
| Everything else | 1% |
Included insurance
Purchase protection (90 days) · Extended warranty (additional 1 year)
02 / The case
What it does well, and what it costs you
Both sides of the ledger. A card that suits one wallet can be the wrong call in another, so the drawbacks are named as plainly as the benefits.
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.
The bottom line
Standard Score 5.5/10 · Situational. We estimate ≈ $250 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 Oct 4, 2026. Details change often: confirm current terms with the issuer before applying.
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