How to Apply for the Canadian Tire Triangle World Elite Mastercard

The Canadian Tire Triangle World Elite Mastercard is a no-annual-fee credit card focused on rewards within the Canadian Tire ecosystem and partner stores. It offers exclusive perks, such as a free Gold-level roadside assistance plan, interest-free installment financing on purchases over $150, and no-fee bill payments—all while earning CT Money (store credit) on every purchase.

To apply, applicants must meet the income requirements: $80,000 personal income or $150,000 household income. The application process is fully online through the Canadian Tire Financial Services portal. Approval is known to be strict, and the card is best suited for customers whose spending aligns with Canadian Tire and partner stores.

Step-by-Step Application

1. Visit the Canadian Tire Financial Services website.
2. Click Apply Now for the Triangle World Elite Mastercard.
3. Complete the online form with personal information, income, and address.
4. Wait for the credit assessment, which evaluates income, financial history, and payment capacity.
5. If approved, the card is mailed to the registered address and can be activated online or via the app.

Canadian Tire provides customer support throughout the application process, helping with questions about income requirements, credit limits, and included benefits.

Who should consider the Triangle World Elite Mastercard

The card is designed for a specific profile of cardholder. It makes the most sense for people who fall into at least one of these groups:

• Frequent shoppers at Canadian Tire, Sport Chek, Mark’s, or other Triangle partners who can use CT money regularly.
• Households with large recurring bills that can be routed through the Canadian Tire Financial Services portal, turning non-credit-card-friendly expenses into rewardable spend.
• Drivers who value roadside assistance and may otherwise pay for a separate roadside plan. The included gold-level plan has genuine standalone value.
• High income earners who already hold a premium travel card and are seeking a no-fee secondary card for niche spending, financing large purchases interest-free at Canadian Tire, or handling bill payments.

The card is not a good fit for people who want flexible points for travel, cashback that can be redeemed anywhere, or comprehensive travel insurance.

How to Cancel the Card

If the cardholder decides to cancel, the process is straightforward:

1. Call Canadian Tire Financial Services customer support.
2. Request cancellation of the Triangle World Elite Mastercard.
3. Ensure any outstanding balance is paid before finalizing.
4. Once confirmed, the card is deactivated, with no future fees since it has no annual fee.

Cardholders should redeem any accumulated CT Money before cancellation to avoid losing credits.

Key Benefits

• Free Gold-level roadside assistance, including towing, tire changes, battery boosts, and fuel delivery, up to five uses per year.
• No-fee bill payments through the Canadian Tire portal, turning expenses into rewards.
• Interest-free installment plans for purchases over $150 at Canadian Tire and partners.
• Car rental collision coverage and Dragon Pass membership included.
• CT Money earning on all purchases, especially 4% at Canadian Tire and 3% at grocery stores (up to $12,000/year).

Limitations

• Rewards are limited to Canadian Tire and partner stores.
• Base earn rate is 1% on purchases outside the main categories.
• Major grocery retailers like Costco and Walmart are excluded.
• High income requirement and strict approval standards.

Summary checklist

1. No annual fee, but requires $80,000 personal or $150,000 household income.
2. No welcome bonus.
3. 4% CT money at Canadian Tire and partners, 3% on groceries up to $12,000 per year, 1% base elsewhere.
4. CT money is store credit only, not transferable or redeemable outside the ecosystem.
5. Top perks: free roadside assistance gold plan, no-fee bill payments earning rewards, interest-free instalment plans.
6. Good as a niche secondary card for high-income earners, Canadian Tire loyalists, and drivers who value roadside coverage. Not ideal as a flexible primary rewards card.

Evaluate how often you shop within the Canadian Tire ecosystem and whether the roadside and bill payment perks replace services you already pay for. If those three benefits match real needs, this card is worth adding to a wallet. If not, a different no-fee or premium card will likely deliver more overall value.

Conclusion

The Canadian Tire Triangle World Elite Mastercard is a niche no-fee card that offers practical, targeted perks for high-income consumers who regularly spend at Canadian Tire and partner stores. For those who fit the recommended profile, the card provides meaningful value by turning purchases and bills into rewards, all without an annual fee.

You will be redirected to the bank’s website