Issuer hub · Updated Oct 4, 2026
Every Canadian Tire credit card we track, ranked by Standard Score: CT Money-earning Mastercards for Canadian Tire, Sport Chek, and Mark's shoppers.
| # | Card | Standard Score | Annual fee | First-year net value | Currency | Current offer |
|---|---|---|---|---|---|---|
| 1 | Triangle World Elite Mastercard Canadian Tire | 5.5/10 | None | ≈ $250 | CT Money | See offer |
| 2 | Triangle Mastercard Canadian Tire | 4.8/10 | None | ≈ $150 | CT Money | See offer |
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
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.
No annual fee · First-year net value ≈ $250 · CT Money
The accessible on-ramp to Triangle Rewards. Upgrade to the World Elite tier the moment your income qualifies: same fee, better grocery rate.
No annual fee · First-year net value ≈ $150 · CT Money
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Every Canadian Tire card here is scored on the same Standard Score as the rest of the site: see how it’s built, or browse the full card database.
Canadian Tire Bank issues two Triangle Mastercards, and both have a $0 annual fee. Both earn Canadian Tire Money (CT Money), which Canadian Tire says redeems $1 for $1 at its family of stores (Canadian Tire, Sport Chek, Mark's, L'Équipeur, Atmosphere, Party City and others) and is worth nothing anywhere else.
Both cards earn the same 4% in CT Money at Canadian Tire, Sport Chek, Mark's and Atmosphere. The World Elite pulls ahead everywhere else:
| Triangle Mastercard | Triangle World Elite Mastercard | |
|---|---|---|
| Annual fee | $0 | $0 |
| Income requirement | None | $80,000 personal or $150,000 household |
| Canadian Tire, Sport Chek, Mark's, Atmosphere | 4% | 4% |
| Groceries | 1.5% | 3% (first $12,000 a year) |
| Everything else | 0.5% | 1% |
| Gas+ and Petro-Canada | 5¢/litre | 5–7¢/litre |
| Insurance | None | Purchase protection (90 days), Extended warranty (additional 1 year) |
To see what either card would earn on your own spending, use our Canadian Tire Money calculator.
Canadian Tire Bank doesn't publish a minimum credit score. The eligibility it lists is Canadian residency and the age of majority in your province or territory, plus $80,000 personal or $150,000 household income for the World Elite. Approval and your credit limit are decided on your full credit file, so no score guarantees approval.
Both have a $0 annual fee and earn 4% in CT Money at Canadian Tire, Sport Chek, Mark's and Atmosphere. The World Elite earns 3% on groceries (vs 1.5%) and 1% on everything else (vs 0.5%), and adds purchase protection and extended warranty, but requires $80,000 personal or $150,000 household income.
No. Both Triangle Mastercards have a $0 annual fee.
21.99% on purchases and 22.99% on cash advances, on both Triangle Mastercards.
Yes. Canadian Tire renamed its Options Mastercards to Triangle Mastercards in April 2018, when Triangle Rewards replaced its earlier loyalty program.
Eligibility, CT Money redemption and participating stores checked September 26, 2026 against Canadian Tire's Triangle credit card page. Card rates and fees are from our reviews.