Canadian Tire is one of the country’s oldest and largest department store chains. It was also one of the first to introduce a shop loyalty program, launching Canadian Tire Money in 1958. The Canadian Tire Money loyalty program has improved over the last six decades. Starting from paper bills to a fully digitalized program was renamed Triangle Rewards. This new program allows Canadians to earn more points on everyday spending (in-store as well as outside)
Key Facts:
Annual fees: $0
Annual interest rate: 19.99% on purchase and 22.99% on cash advance
Type of rewards: store cashback
The Canadian Tire money reward works the same way that a typical cashback credit card works. 1 % in Canadian Tire Money equals one cent that you may redeem at Canadian Tire.
There exists five types of Canadian Tire Mastercards
Triangle Mastercard
- For fuel, you get a 5¢ per liter cash back in Canadian Tire Money
- For groceries, you can earn 1.5% in CT money on all grocery expenses on the first $12,000 per year (excluding Walmart and Costco)
- For purchases, you earn 4% in CT money from any of these retailers: Canadian Tire, Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, at participating Mark’s, L’Équipeur and Sports Experts stores.
For a limited time, you may earn 15% Canadian Tire money on your first purchase as a welcome offer. Finally, there are a number of extra advantages to having this card. You may quickly return your goods to participating shops., without a receipt. You’ll be the first to hear about special events and additional savings on a variety of items from the above-mentioned businesses. You also have access to customer assistance 24 hours a day, seven days a week. This card has no minimum income required to apply.
Triangle World Mastercard
- For fuel, you get a 7¢-5¢ per liter cash back in Canadian Tire Money
- For groceries, you can earn 1.5% in CT money on all grocery expenses on the first $12,000 per year (excluding Walmart and Costco)
- For purchases, you earn 4% in CT money from any of these retailers: Canadian Tire, Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, at participating Mark’s, L’Équipeur and Sports Experts stores.
This card has no welcome offer and no minimum income required to apply.
Triangle World Elite Mastercard
- For fuel, you get 7¢ per liter cash back in Canadian Tire money on “Super” type gas at Gasoline +, Gas +, and participating Husky stations. Receive also 5¢ per liter cash back on any other type of gas.
- For groceries, you can earn 3% in CT money on all grocery expenses on the first $12,000 per year (excluding Walmart and Costco)
- For purchases, you earn 4% in CT money from any of these retailers: Canadian Tire, Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, at participating Mark’s, L’Équipeur and Sports Experts stores.
You get a Roadside Assistance Gold Plan in addition to the Triangle Mastercard advantages, which assists you when your vehicle breaks down. Rental automobiles also come with collision and damage insurance. For purchases made within the previous 90 days, you will receive an extended warranty as well as zero liability purchase protection.
You may also make use of a 24-hour concierge service. When you call the Canadian Tire Bank call center, you will be placed in a priority line because of this improved customer service. This card is only available to people with an annual income of $80,000 or more.
Gas Advantage Mastercard
The Gas Advantage Mastercard is great for fuel rewards.
- For fuel, earn a $2 per liter refund when you spend less than 500$ on this card. When you spend more than $2000 on your card in a single payment cycle, the refund increases to $10 per liter.
Cash advantage Mastercard
Instead of gasoline savings or Canadian Tire money, you get cashback incentives that are immediately deposited to your account with this last card. Meanwhile, the advantages are the same as the Gas Advantage Mastercard.
- You may receive up to 3% cash back at Canadian Tire shops and petrol stations, as well as Mark’s/L’Équipeur outlets.
- You earn 1.5 % cash back on any other in-store purchases.
Which card is best for you?
You may now be thinking about which Canadian Tire credit card is the finest. I’d say it depends on your requirements and usage patterns.
- If you are looking to save on groceries, gas and much more, the Triangle cards are a great choice. Any individual with an annual income below $80,000 will only have access to the Triangle Mastercard and the Triangle World Mastercard. For an annual income above that amount, the Triangle World Elite will be accessible to you for even more discount and store cashback
- If you use your car frequently and are looking to save on gas, the Gas Advantage Mastercard is perfect for you! You will be able to get exclusive discounts on gas that a few credit cards can offer.
- If you are looking to get cash back from your purchases, the Cash Advantage Mastercard is a great option. You will be able to receive a part of your expenses back into your pocket.
Regardless, any of those cards are fantastic if you buy at Canadian Tire frequently and can help you earn Canadian Tire Money much faster, which means more free items from the department store’s vast product selection.
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