Triangle World Elite Mastercard

The Canadian Tire Triangle World Elite Mastercard is one of the more unusual no-fee credit cards in Canada. On paper it looks appealing: no annual fee, elevated earn rates at Canadian Tire and partner stores, and a handful of premium perks tucked in. But the card is highly niche. Rewards are delivered as Canadian Tire money, approval rules are strict, and there is no welcome bonus. This review breaks down how the card works, who benefits most, and which features actually deliver real value.

Top Features of the Triangle World Elite Mastercard

• Access to World Elite perks like Mastercard concierge, travel offers, and rental car discounts
• 4% back in CT Money® on qualifying purchases at Canadian Tire, Sport Chek, Mark’s, Atmosphere, and other partner stores
• 3% back on grocery purchases (excluding Walmart and Costco)
• 1% back everywhere else Mastercard is accepted
• Free Roadside Assistance Gold Plan — includes towing, battery boost, and lockout service
• No interest financing options at Canadian Tire and partner stores with equal monthly payments
• Purchase security and extended warranty protection
• No annual fee

Pros and cons

Pros

• No annual fee
• Strong 4% earn rate at Canadian Tire and partner stores for in-ecosystem shoppers
• Free premium roadside assistance — high value for drivers
• No-fee bill payments for large recurring expenses with reward earning
• No-interest financing option for qualifying in-store purchases

Cons

• High income requirement: $80,000 personal or $150,000 household
• No welcome bonus
• Rewards locked to CT Money — not flexible for travel, statement credits, or transfers
• Many purchases earn only 1% effective value
• Limited travel insurance compared with premium cards
• Groceries excluded at Walmart and Costco; grocery cap of $12,000/year at enhanced rate

Who should consider this card

Cardholders who already carry a strong travel card and are looking for a secondary, niche card to capture specific benefits like in-store financing and bill-pay rewards.

Customers who regularly shop at Canadian Tire, Sport Chek, Atmosphere, Mark’s, or Sports Experts — these shoppers maximize the 4% CT Money earn.

People who currently pay for a roadside assistance plan — the included Gold plan can replace that cost and justify keeping the card active even with minimal spending.

Households with large recurring bills (property taxes, tuition, utilities) who want to earn rewards on those payments without processing fees.

The three perks that matter

Despite its limitations, the Triangle World Elite includes three standout features that can deliver real value for the right cardholder:

1. Free Canadian Tire Roadside Assistance Gold plan — This is arguably the card’s most valuable benefit. The plan normally retails for roughly $100 to $115 per year and includes:

• Towing up to 250 kilometers per call
• Battery boosts, flat tire changes, lockout service, fuel delivery and winching
• Up to five uses per year
• Option to have the plan follow a person regardless of which vehicle they drive, or follow one specific vehicle

For anyone already paying for CAA or another roadside plan, this single perk can replace that annual cost and justify keeping the card active.

2. No-fee bill payments via Canadian Tire Financial Services portal — Cardholders can pay bills that normally do not accept credit cards, such as utilities, property taxes, tuition, and other invoices. Canadian Tire processes the payment and charges the card without adding third-party processing fees. That means the cardholder still earns 1% CT Money on these large, often unavoidable expenses.
3. No-interest, no-fee financing for in-store purchases — Eligible purchases of $150 or more at Canadian Tire and partner stores can be split into equal monthly payments over 12 or 24 months with no interest or fees. Installments appear on monthly statements, making tracking simple. This is a built-in way to manage larger purchases without paying interest while still earning rewards.

Other useful features

• Convenience items: Boingo Wi-Fi and the DragonPass membership can be helpful for occasional travelers even though lounge access has a per-visit cost.

• Returns without receipts: Purchases are linked to the Triangle Rewards account, so returns at Canadian Tire can be handled without a paper receipt.

Apply for the Triangle World Elite Mastercard Today

Turn your everyday spending into real rewards with 4% back at Canadian Tire, 3% on groceries, and 1% everywhere else — all with no annual fee and built-in roadside assistance. Apply online now and start earning CT Money® faster with premium Mastercard benefits.