Free tool · Rates reviewed 2026-10-04
Canadian Tire Money calculator.
Enter what you spend in a month and see how much CT Money each Triangle Mastercard earns in a year at Canadian Tire, Sport Chek and Mark’s, on groceries, at the pump, and everywhere else.
Triangle World Elite Mastercard
$408
CT Money a year · Requires $80,000 personal or $150,000 household income
| Canadian Tire stores (4%) | $48 |
|---|---|
| Groceries (3%, first $12,000/yr) | $216 |
| Fuel (5¢/litre) | $48 |
| Everything else (1%) | $96 |
Triangle Mastercard
$252
CT Money a year · No income requirement
| Canadian Tire stores (4%) | $48 |
|---|---|
| Groceries (1.5%) | $108 |
| Fuel (5¢/litre) | $48 |
| Everything else (0.5%) | $48 |
Earn rates from our reviews of both cards. Grocery spend above a card’s annual cap is counted at its everything-else rate. CT Money redeems $1 for $1 at Canadian Tire’s family of stores and nowhere else.
Reading the result
CT Money is only worth something if you’ll spend it at Canadian Tire’s stores, so treat the total as a discount on shopping you’d do there anyway. If most of your spending is elsewhere, compare it with what a general cash-back card would pay on the same spend; cash back can be spent anywhere.
Both cards are reviewed in full: the Triangle World Elite Mastercard and the Triangle Mastercard, and compared side by side on our Canadian Tire credit cards page.
Frequently asked questions
How much is Canadian Tire Money worth?
One dollar of CT Money is worth $1 off at Canadian Tire's family of stores: Canadian Tire, Sport Chek, Mark's, L'Équipeur, Atmosphere, Party City and other participating banners. It has no value anywhere else, and it can't be cashed out.
How much CT Money does the Triangle Mastercard earn?
4% back in CT Money at Canadian Tire, Sport Chek, Mark's and Atmosphere, 1.5% on groceries, 5¢ a litre at Gas+ and Petro-Canada, and 0.5% on everything else. The Triangle World Elite Mastercard earns 4%, 3% on groceries (first $12,000 a year), 5–7¢ a litre, and 1% on everything else.
Which Triangle card earns more CT Money?
The World Elite, on any spend outside Canadian Tire's stores; both cards earn the same 4% there. Requires $80,000 personal or $150,000 household income for the World Elite; the Triangle Mastercard has none. Both have no annual fee.
Earn rates come from our reviews of both cards, sourced from Canadian Tire Bank’s card pages. Participating stores checked September 26, 2026 against Canadian Tire’s Triangle credit card page.