MastercardFX: 2.5%Cash BackNo Annual Fee
Canadian Tire Bank
Triangle World Elite Mastercard
CT Money
First Year Bonus
~$150
Welcome Bonus
No welcome bonus
Annual Fee
$0
Spend Required
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Data verified Apr 12, 2026
Earn rates
4%
Canadian Tire, Sport Chek & Mark's
3%
grocery
1%
everywhere else
Points value: ~1¢ per CT Money cent
Transfer partners
CT Money (Canadian Tire/Sport Chek/Mark's ecosystem only)
Lounge access
No lounge access
Additional perks
- ✓No annual fee
- ✓3% on groceries (excluding Costco/Walmart) with no cap is excellent
- ✓5¢/litre at Gas+ and Petro-Canada
- ✓Best card for Canadian Tire store purchases
Insurance coverage
Travel Medical
Trip Cancellation
Trip Interruption
Baggage Delay
Lost Baggage
Rental Car
Purchase Protection
Extended Warranty
Card details
NetworkMastercard
Annual fee$0
Foreign fee2.5%
Income req.$80,000 personal or $150,000 household
ProgramCT Money