Triangle Mastercard Customers

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Frequently Asked Questions

World Elite Mastercard® must have a minimum personal income of $80,000 or household income of $150,000. For more information, customers can call the Canadian Tire Bank call center at 1-800-459-6415.

To compare our credit cards, click here.

You can apply here at Triangle.com. To apply in-store, visit any Canadian Tire, Sport Chek, Mark's, L'Équipeur, Atmosphere or participating Sports Experts locations.

There is no annual fee associated with the Triangle® Mastercard® or Triangle® World Elite Mastercard®.

Yes! Bonuses, like our exclusive email offers, flyer offers and Triangle Bonus Day events, are in addition to the 4% back in Canadian Tire Money® that you collect every day on qualifying purchases at Canadian Tire, Sport Chek, Mark's, L'Équipeur, Party City, Pro Hockey Life, Atmosphere, Sports Rousseau, Hockey Experts, L'Entrepôt du Hockey, and participating Sports Experts stores.

†The Triangle Rewards Program is owned and operated by Canadian Tire Corporation, Limited. Triangle® Mastercard®, Triangle® World Mastercard® and Triangle® World Elite Mastercard® are issued by Canadian Tire Bank. Rewards are in the form of electronic Canadian Tire Money® (CT Money®).

© 2021 Copyright Canadian Tire Corporation. All Rights Reserved

Not all items sold at Canadian Tire, Sport Chek, Atmosphere, Mark’s, L’Équipeur, Party City, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, and participating Sports Experts are eligible to earn CT Money or to be redeemed for. Available in-store only at Sports Experts, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey. Certain Sports Experts stores or rental shops may not participate. Not available at out-of-store events. Conditions apply. Visit Triangle Rewards: Sign Up & Earn Today for full program rules and Partner location information. The offered rate is exclusive of any bonus or promotional offers or redemption transactions. CT Money is collected on the pre-tax amount of the purchase at Canadian Tire, Sport Chek, Atmosphere, Mark’s and Sports Experts.
*Participating retailers: Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Atmosphere, Party City, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts stores.

1 CT Money is collected on the number of whole litres of fuel purchased when you show your Triangle card, mobile App or key fob and pay with cash or debit. Rate subject to change and could vary by location, see local gas bar for details. Not all Gas+ locations have premium fuel. Must go inside kiosk to collect rewards with App or key fob.

2 1.5% and 3% earn rate applies to the first $12,000 in annual spend at grocery stores with Mastercard merchant code 5411. Excludes purchases at Walmart, Walmart Superstore and Costco. After that, your earn rate will be 1%. For examples of qualifying grocery merchants, visit Merchant List | Triangle . Annual spend is based on a calendar year of January 1 - December 31.

3 Purchase Security, Extended Warranty and Car Rental Collision/Loss Damage Waiver Insurance are insurance coverages underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy CTB0418, issued by ABIC to Canadian Tire Bank. Details of the coverage, including definitions, benefits, limitations and exclusions, are outlined in the Certificate of Insurance included in the Triangle World Elite Mastercard welcome kit. ABIC, ASCI, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®.

4 Benefit must be activated. Roadside Assistance is brought to you by Canadian Tire Services Limited. Visit here for details.

5 Concierge Services are services only, not insurance benefits. These services are provided by Assurant Services Canada Inc. (ASCI). Details are provided in the Statement of Services included in the Triangle World Elite Mastercard welcome kit.

6 Certain merchants may have established a maximum dollar limit for a single transaction. For example, the limit at Canadian Tire stores is $100.

7 The savings of up to 30% applies to Avis base rates and is applicable only to the Pay Now time and mileage charges of the rental. The savings of up to 35% applies to Budget base rates and is applicable only to the Pay Now time and mileage charges of the rental. Offer does not apply to car group X. All taxes, fees (including but not limited to Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Travel Program Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. Offer is available for U.S. and Canadian residents only for rentals participating locations in the U.S. and Canada. Offer may not be used in conjunction with any other AWD/BCD number, promotion or offer. Weekly rates require a minimum five-day rental period. Weekend rate available Thursday noon; car must be returned by Monday 11:59 p.m., or higher rate will apply. A Saturday night keep, and an advance reservation may be required. Offer is subject to vehicle availability at the time of rental and may not be available on some rates at sometimes, including some online rates at Avis.ca/Budget.ca. Car rental return restrictions may apply. Offer subject to change without notice. Holiday and other blackout periods may apply. Renter must meet Avis and Budget age, driver and credit requirements. Minimum age may vary by location. An additional daily surcharge may apply for renters under 25 years old.

8 You will receive CT Money at double the applicable rate, on qualifying Avis and Budget car rentals. The bonus will be applied to your Triangle Rewards account within 10 business days of the transaction post date.

9 Avis Preferred Plus Members are provided these services by Avis Budget Car Rental Canada, ULC not Canadian Tire Corporation, Limited. Prices are subject to change at anytime.

10 The savings of up to 30% applies to Avis base rates and is applicable only to the Pay Now time and mileage charges of the rental. The savings of up to 35% applies to Budget base rates and is applicable only to the Pay Now time and mileage charges of the rental. Offer does not apply to car group X. All taxes, fees (including but not limited to Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Travel Program Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. Offer is available for U.S. and Canadian residents only for rentals participating locations in the U.S. and Canada. Offer may not be used in conjunction with any other AWD/BCD number, promotion or offer. Weekly rates require a minimum five-day rental period. Weekend rate available Thursday noon; car must be returned by Monday 11:59 p.m., or higher rate will apply. A Saturday night keep, and an advance reservation may be required. Offer is subject to vehicle availability at the time of rental and may not be available on some rates at sometimes, including some online rates at Avis.ca/Budget.ca. Car rental return restrictions may apply. Offer subject to change without notice. Holiday and other blackout periods may apply. Renter must meet Avis and Budget age, driver and credit requirements. Minimum age may vary by location. An additional daily surcharge may apply for renters under 25 years old.

11 CT Money is collected on the number of whole litres of fuel purchased when you show your Triangle card, mobile App or key fob and pay with cash or debit. Rate subject to change and could vary by location, see local gas bar for details. Not all Gas+ locations have premium fuel. Must go inside kiosk to collect rewards with App or key fob.

12 To participate in the Petro-Points program you must enroll or activate online. Learn more at petro-points.ca/join. The collection of Petro-Points excludes taxes on non-petroleum purchases, tobacco, vaping products, gift cards and transit tickets.

13 You must have a registered account with both Triangle Rewards and Petro-Points to link your accounts. Each time you use your linked Triangle Rewards or Petro-Points card (or any payment card previously linked with such accounts) on qualifying purchases at Petro-Canada and participating Gas+ locations, you will earn a bonus of twenty percent (20%) more Petro-Points than you would normally earn (excluding any other partner bonuses), in accordance with the Petro-Points terms and conditions available at petro-points.ca/terms

14 The annual limit is 1,000,000 Petro-Points or $1,000 CT Money.

15 Excludes debit cards linked to a Petro-Points account. For more information visit triangle.com/petro-points

16 Excludes the following Gas+ locations: 843 Tower St. South, Fergus, ON, 1002 Broad St. East, Dunnville, ON, 1445 Innisfil Beach Rd., Innisfil, ON, 183 Boul. Norbert-Morin, Ste-Agathe-des-Monts, QC and 2, rue Gauthier Nord., Notre-Dame-des-Prairies, QC.

‡ Your Membership begins twenty-four (24) hours after plan activation and is valid unless the Membership is cancelled in accordance with these Terms and Conditions.

^ Financing available is “Equal payments, no interest” for 24 months (unless otherwise stated) and is only available on request, on approved credit and on purchases of $150 (unless otherwise stated) or more (Gift Cards excluded) made with your Triangle credit card at Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts. Interest does not accrue during the period of the plan. However, if we do not receive the full minimum due on a statement within 59 days of the date of that statement, or any event of default (other than a payment default) occurs under your Cardmember Agreement, all special payment plans on your account will terminate and (i) you will then be charged interest on the balances outstanding on such plans at the applicable regular annual rate from the day after the date of your next statement, and (ii) the balances outstanding will form part of the balance due on that statement. There is no administration fee charged for entering into a special payments plan. Each month during an equal payments plan you are required to pay in full by the due date that month’s equal payments plan instalment. Any unpaid portion not received by the due date will no longer form part of the equal payments plan and interest will accrue on that amount from the day after the date of your next statement at the applicable regular annual rate. Offer subject to change without notice.

Additional information for residents of Quebec only: The regular annual rate for persons applying for the Triangle Mastercard and the Triangle World Elite Mastercard is 21.99% for cash transactions and related fees and 21.99% for all other charges. Some applicants may receive a higher or lower regular annual rate depending on a credit evaluation. The minimum payment is the sum of (a) the greater of: (i) interest and fees shown on your statement + $10; or (ii) 5% of the New Balance, excluding amounts on special payment plans, (b) any balance over your credit limit, (c) any amounts past due not included in (b) above, and (d) the amount of any equal payments plan instalments then due. Balances under $10 are due in full. For accounts opened prior to June 13, 2019 the rate of 5% will start at 2% and increase by 0.5% each August 1st until it reaches 5%. For residents of Quebec, the period between the statement date and the due date for payment is 26 days. The billing period covered by each statement can be from 28-33 days. The Triangle Mastercard and the Triangle World Elite Mastercard do not have an annual fee. Examples of borrowing costs (rounded to the nearest cent) assuming that all charges are purchases bearing interest at the regular annual rate of 21.99%, a 30 day month, no charges made on special payment plans and no other fees, additional payments or other changes are:

If your average balance is:	Total monthly credit charges will be:
$100	$1.81
$500	$9.04
$1000	$18.07
$2000	$36.15

ƒ Information for the Triangle^® Mastercard^®

Annual Interest Rate(s):
If you reside outside of Quebec: All charges to your account (excluding cash transactions and related fees) — 21.99%.

Cash transactions (for example: cash advances, balance transfers, convenience cheques, money transfers, purchase of travellers cheques and gambling transactions) and related fees — 22.99%.

If you are not approved for a card at the above rates, Canadian Tire Bank may still issue you a card at the following annual interest rates: 25.99% for all charges (excluding cash transactions and related fees) and 27.99% for cash transactions and related fees.

If you are a resident of Quebec: All charges to your account (including cash transactions and related fees) — 21.99%.

Foreign Exchange Conversion: All transactions made in a foreign currency will be converted to Canadian currency at the then current Mastercard conversion rate plus 2.5% (for charges to your account) or minus 2.5% (for credits to your account) when the transaction is posted to your account.

Annual Fee: None

Other Fees:

Cash Advance Fee: 3% of the amount of the transaction, up to a maximum of $10 - charged for cash withdrawals and other cash transactions (excluding balance transfers and convenience cheques) when the transaction is posted to your account.

Charges for Copies: $2 — Charged when you request a copy of a statement.

Credit Balance Fee: The lesser of $2 or the amount of your credit balance - Charged on the last day of a billing period when there is a credit balance on the account and the account has been inactive (other than any credit balance fees) for the previous 2 billing periods.

Accrual of Interest:

Interest accrues daily on each charge from the date of the transaction giving rise to the particular charge.

Information effective as of March 26, 2025

° The Triangle Rewards Program is owned and operated by Canadian Tire Corporation. Terms and conditions apply visit Triangle Rewards: Sign Up & Earn Today for details.

The Triangle Mastercard and Triangle World Elite Mastercard are issued by Canadian Tire Bank.

ADDITIONAL INFORMATION ABOUT TRIANGLE SELECT

Please read the Triangle Select Terms and Conditions to see all the terms and conditions that apply to your subscription.

Renewal/Cancellation/Changes: The subscription runs for 1 year from the time we confirm registration. You can cancel anytime, but cancellation will only be effective at the end of the subscription term. No refunds provided. Quebec residents see below. We can make changes to the program or cancel Triangle Select at any time on 30 days notice. We can cancel your subscription immediately if certain events occur.

Your subscription will renew automatically unless: (i) you reside in Quebec; (ii) you reside in Alberta and you have not selected automatic renewal on enrollment; (iii) you have logged into your account on the Triangle Rewards web site and have switched-off automatic renewal before your current Subscription Term expires; or (iv) we are unable to process the payment for the Subscription Fee for the renewal Subscription Term.

Conditions/Restrictions:

- Must be a Triangle Rewards member to join.

- For personal/household use only.

- Canadian residents only.

- Bonus CT Money can be cancelled in some circumstances.

- CT Money Bonus Offers are a multiple of the base rate at which CT Money is collected on qualifying purchases (0.4%). Not all purchases qualify to earn CT Money. Bonus CT Money will be credited to your Triangle Rewards account.

- Visit Triangle Rewards Terms & Conditions for details on collecting and redeeming CT Money and cancellations.

- Bulk and overweight items and certain addresses excluded from shipping benefits. Examples of excluded addresses include shipping to a P.O. box, excessive distance or travel limitations and regions/municipalities which require ferry service for delivery. Click here to see exclusions.

For Quebec residents only: You can cancel your membership at anytime by calling our contact centre. You will be provided a pro-rated refund less the value of any goods, services or vouchers that have been provided to you. The membership price expressed on a monthly basis is $7.42 + applicable taxes.

~ The Triangle Rewards Program is owned and operated by Canadian Tire Corporation, Limited. Rewards are in the form of electronic Canadian Tire Money® (CT Money®). Bonuses are in the form of electronic Canadian Tire Money® (CT Money®). CT Money issued under the Triangle Rewards Program. To collect bonus CT Money you must present a Triangle Rewards card/key fob, or use any approved Cardless method, at time of purchase or pay with a Triangle credit card. You cannot collect paper Canadian Tire Money on bonus offers. Any bonus multiplier is based on the base rate of collecting CT Money (0.4%), and will be added to whatever the Triangle Rewards Member would otherwise collect, without the bonus. Example: On a $100 (pre-tax) purchase with a 20X bonus multiplier a Member would earn a bonus $8 in CT Money (20 X .4% X $100). Not all items sold are eligible to earn CT Money. Conditions apply. Visit triangle.com for full Triangle Rewards program rules and Partner location information. The offered rate is exclusive of any bonus or promotional offers or redemption transactions. CT Money is collected on the pre-tax amount of the purchase. Triangle Select is intended for personal and household use only. You must be a Triangle Rewards member to subscribe to Triangle Select. Triangle Select benefits subject to change.

Triangle Select is intended for personal and household use only. Benefits currently available to Triangle Select subscribers.

|| Your subscription will automatically be renewed at the end of your subscription term and your payment method on file will be charged (excluding Alberta and Quebec).

a Promotional card to be used toward your next footwear purchase in-store or online at SportChek.ca. Must be presented in-store and is redeemable towards any footwear product for one time use only. Excludes select brands and styles, gift cards and previous purchases. If the entire amount is not used, the remaining amount will be forfeited by the valid until date above. The promotional card has no cash value and is applied after taxes. Not valid in Atmosphere stores located in the province of Quebec or Whitehorse, YK. Other exceptions may apply.

b Promotional card to be used toward your next denim purchase in-store or online at Marks.com. Must be presented in-store and is redeemable towards any denim product. Excludes select brands and styles, gift cards and previous purchases. If the entire amount is not used, the remaining amount will be forfeited by the valid until date above. The promotional card has no cash value and is applied after taxes. Other exceptions may apply.

c Code is valid for $50.00 CAD off a single purchase. Cannot be combined with other vouchers or Pro discounts. For the code to work, you must accept cookies and make sure you are shopping in the Canadian store, indicated by a Canadian flag in the upper right section of the screen. Code can be applied in the cart or at checkout and must be used on one transaction.

¤ Excludes bulk and overweight items. Bulk purchases and specific regions are excluded from this benefit. Bulk purchases are defined as any item over 66 lbs or 120-350" in any dimension. Any products that contain an eco fee (including both home and automotive electronic products) are restricted from shipping in Nunavut. P.O. Boxes and shipping that requires ferry service for delivery are excluded.

Triangle Select is provided by Canadian Tire Corporation, Limited. Terms and conditions apply.

®/™ FGL Sports Ltd.

®/™ Mark’s and L’Équipeur are registered trademarks of Mark’s Work Wearhouse Ltd.

®/TM Unless otherwise noted, all trademarks are owned by Canadian Tire Corporation, Limited and are used under licence.

®/TM Mark’s and L’Équipeur are registered trademarks of Mark’s Work Wearhouse Ltd, used under licence.

®/TM Sport Chek and Atmosphere are registered trademarks of FGL Sports Ltd.

®/TM Mastercard, World® Mastercard and World Elite® Mastercard are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.

® Assurant is a registered trademark of Assurant, Inc.

Android is a trademark of Google Inc.

Google Play is a trademark of Google Inc.

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Watch is a trademark of Apple Inc. App Store is a service mark of Apple Inc.

The Petro-Points Program is owned and operated by Suncor Energy Products Partnership. Program terms and conditions apply. Learn more at petro-points.ca/terms.

Petro-Canada is a Suncor business.

™Petro-Canda, the Petro-Canada logo, Petro-Points and the Petro-Points logo are trademarks of Suncor Energy Inc. Used under license.

®/™ Unless otherwise noted, all trademarks are owned by Canadian Tire Corporation, Limited and are used under licence.

*The Triangle Rewards Program is owned and operated by Canadian Tire Corporation, Limited. The Triangle® credit cards are issued by Canadian Tire Bank. Rewards are in the form of electronic Canadian Tire Money® (CT Money®). To collect bonus CT Money you must present a Triangle Rewards card/key fob, or use any approved Cardless method, at time of purchase or pay with a Triangle credit card. You cannot collect paper Canadian Tire Money on bonus offers. Any bonus multiplier is based on the base rate of collecting CT Money (0.4%), and will be added to whatever the Member would otherwise collect, without the bonus. Example: On a $100 (pre-tax) purchase with a 20X bonus multiplier a Member would earn a bonus $8 in CT Money (20 X 0.4% X $100). The 40X for Triangle Mastercard, World Mastercard and World Elite Mastercard customers consists of the 10x everyday plus a 30X bonus. Not all items sold at are eligible to earn CT Money or to be redeemed for. Conditions apply. Visit triangle.com for full program rules and Partner location information. The offered rate is exclusive of any bonus or promotional offers or redemption transactions. CT Money is collected on the pre-tax amount of the purchase. Bonus CT Money may take up to 5 weeks to be applied to the Member’s Triangle Rewards Account. No rainchecks. Minimum purchase of $200 or more required to receive the 20x bonus. Minimum $200 spend is on the pre-tax amount on the same tender and for a single transaction. $200 must be spent on items that earn CT Money.

®/™ Mastercard, World Mastercard, World Elite and the circles are registered trademarks of Mastercard International Incorporated.

Frequently Asked Questions

How do I qualify for a Triangle® World Elite Mastercard®?

What is the difference between a Triangle® Mastercard®, a Triangle® World Mastercard® and a Triangle® World Elite Mastercard®?

Where can I apply for a Triangle® Mastercard®?

Is there an annual fee associated with a Triangle credit card?

If I pay with my Triangle® Mastercard® when using a bonus offer, will I still collect 4% on my purchase?

†The Triangle Rewards Program is owned and operated by Canadian Tire Corporation, Limited. Triangle® Mastercard®, Triangle® World Mastercard® and Triangle® World Elite Mastercard® are issued by Canadian Tire Bank. Rewards are in the form of electronic Canadian Tire Money® (CT Money®).

© 2021 Copyright Canadian Tire Corporation. All Rights Reserved