Triangle Mastercard
No-fee CT Money card with retail and fuel rewards.
Learn more Canadian credit card comparison and education
Triangle Mastercard Review
Triangle Mastercard review for Canadian Tire and partner-store shoppers
Review the current $0 annual fee, 21.99% purchase rate, 4% CT Money at participating stores, grocery rewards and fuel earn rates.
MoneyMatch provides education and comparison tools. Approval, rates, limits, rewards and offers depend on the issuer and current terms.
MONEY MATCH
•••• •••• •••• 2026
CANADACOMPARE SMARTER
Compare total value
The card is built around Canadian Tire Money
The Triangle Mastercard currently earns 4% back in CT Money on qualifying purchases at participating partner stores, 5 cents per litre at Gas+ and Petro-Canada, 1.5% at eligible grocery stores on the first $12,000 per year, and 0.5% elsewhere.
Compare annual cost
Fees and interest can matter more than rewards.
Compare reward value
Use realistic spending, caps and redemption rules.
Check eligibility
Income and credit requirements vary by issuer.
Read current terms
Offers and insurance can change.
Quick answer
Is the Triangle Mastercard worth it?
It can be a strong no-fee card if you shop regularly at Canadian Tire and participating Triangle partner stores. Its value is much lower if you rarely use that retail ecosystem.
The card is built around Canadian Tire Money
The Triangle Mastercard currently earns 4% back in CT Money on qualifying purchases at participating partner stores, 5 cents per litre at Gas+ and Petro-Canada, 1.5% at eligible grocery stores on the first $12,000 per year, and 0.5% elsewhere.
Annual costFees and interest matter.
Reward valueUse real spending, not headline rates.
EligibilityCheck fit before applying.
Compare
Compare the main options
Different card structures solve different financial needs.
Triangle World Elite
Higher grocery and general earn rates plus extra benefits.
Learn moreCashback card
Cash rewards across broader spending.
Learn moreGas rewards card
Optimized for fuel spending.
Learn moreWho it suits
When this type of card may—or may not—fit
May fit when
- You shop frequently at Canadian Tire or partner stores.
- You use Gas+ or Petro-Canada.
- You value CT Money and redeem it regularly.
- You want a $0 annual-fee card.
Think twice when
- You rarely shop in the Triangle ecosystem.
- You want travel rewards.
- You carry a balance at the standard purchase APR.
- You want a high general-spending earn rate.
What to compare
Key factors that determine real card value
Look beyond one headline feature.
$0 annual fee
Triangle currently lists no annual fee.
21.99% purchase rate
Current regular purchase APR.
4% CT Money
On qualifying purchases at participating Triangle stores.
5¢/L fuel
Current earn rate at Gas+ and Petro-Canada.
1.5% grocery
On the first $12,000 per year at eligible grocery stores, excluding Costco and Walmart.
0.5% elsewhere
Current general earn rate outside bonus categories.
Ready to compare?
Compare credit cards before you apply
Match card type, annual cost, rewards and eligibility to your actual needs.
Decision checklist
Triangle Mastercard snapshot — reviewed September 2026
Use the checklist before making a full application.
$0Annual fee
21.99%Purchase APR
4%Triangle-store CT Money
5¢/LGas+ / Petro-Canada
How to choose
A practical comparison process
1. Estimate Triangle-store spending
Canadian Tire and partner purchases create the strongest value.
2. Add fuel spending
Gas+ and Petro-Canada can add recurring rewards.
3. Include eligible grocery spend
The basic card currently earns 1.5% up to its annual cap.
4. Compare general spending value
0.5% elsewhere is relatively modest.
5. Pay in full
Avoid letting interest erase CT Money rewards.
Pros and cons
Benefits and trade-offs
Pros
- $0 annual fee.
- Strong 4% CT Money earn rate at participating Triangle stores.
- Fuel rewards at Gas+ and Petro-Canada.
- No-fee financing may be available on qualifying purchases under current program terms.
Cons
- Rewards are tied to CT Money.
- General 0.5% earn rate is modest.
- Grocery category excludes Costco and Walmart and has an annual cap.
- Interest can erase rewards if balances are carried.
How MoneyMatch compares credit cards
Net value matters more than headline features
Product facts were reviewed against Triangle and Canadian Tire Bank’s current Canadian card pages in September 2026. Rewards and rates can change.
Total cost
We consider annual fees, interest and other recurring charges.
Real-world value
We distinguish headline earn rates from likely value after caps and redemption rules.
Eligibility and fit
We consider whether the card is realistic for the intended user.
Author: Money Match Canada · Coverage: Canada · Updated September 6, 2026
Disclosure: MoneyMatch Canada may receive compensation from some card issuers or partners. Compensation does not guarantee placement or approval.
Frequently asked questions
Triangle Mastercard Review: common questions
Does the Triangle Mastercard have an annual fee?
Triangle currently lists a $0 annual fee.
What is the Triangle Mastercard purchase interest rate?
Triangle currently lists a 21.99% regular purchase rate, with higher rates possible for some approved applicants outside Quebec.
How much CT Money do I earn at Canadian Tire?
The Triangle Mastercard currently earns 4% back in CT Money on qualifying purchases at participating Triangle partner stores.
How much does the Triangle Mastercard earn on groceries?
It currently earns 1.5% back in CT Money at eligible grocery stores on the first $12,000 per year, excluding Costco and Walmart.
How much does the Triangle Mastercard earn on fuel?
It currently earns 5 cents per litre in CT Money at Gas+ and Petro-Canada locations.
Compare before you apply
Choose Triangle when you already spend heavily in the Triangle ecosystem
The $0 annual fee helps, but the strongest value comes from Canadian Tire, partner-store and fuel spending.
MoneyMatch does not guarantee approval, rates, credit limits, rewards or welcome offers.