Canadian Tire Triangle Mastercard Canada: Full Review, Eligibility & How to Apply

Maximize your rewards and simplify your spending with the Canadian Tire Triangle Mastercard

The Canadian Tire Triangle Mastercard continues to dominate the Canadian rewards credit card space thanks to its flexibility, easy approval process, and unique perks tied to the Triangle Rewards Program. Unlike most retail cards, this one offers benefits beyond the store, making it one of the best no-fee options for everyday spending.

More Benefits of the Canadian Tire Triangle Mastercard

1. Strong Cashback Potential Beyond Retail Purchases

One of the card’s underrated strengths is its reward consistency. While many assume it only benefits Canadian Tire shoppers, the 1.5% cashback on groceries and gas rebates make it useful for day-to-day spending. Frequent users report earning over $200 per year without paying a single dollar in fees.

2. Flexible Payment Options and Promotional Financing

The Triangle Mastercard supports special financing options on large purchases, including interest-free periods for qualifying transactions. This feature is particularly useful for home renovation projects, tire purchases, or big-ticket electronics — letting you spread payments without extra costs.

3. Exclusive Bonus Events and App Integration

Through the Triangle App, users receive exclusive bonus offers that can multiply rewards during limited-time events. The app also syncs with digital wallets, supports biometric login, and includes spend-tracking tools — features rarely found in other no-fee cards.

4. Automatic Fuel Rebates

One of the most practical perks is the automatic 5¢ per litre rebate at Gas+ stations. For families who drive regularly, this adds up significantly over the year. It’s one of the most tangible ways the card saves you money every week.

Eligibility Requirements for the Canadian Tire Triangle Mastercard

Although approval is easier than with premium cards, there are still a few requirements you’ll need to meet before applying:

• Minimum Age: You must be at least 18 years old (or the age of majority in your province).
• Residency: Must be a Canadian resident with a valid Canadian address.
• Credit Score: A minimum score of 650 is recommended for faster approval, although applicants with fair credit may still qualify.
• Income Requirement: No strict minimum income, but a stable employment or regular income source improves approval chances.
• Banking Relationship: Having a purchase history at Canadian Tire stores may strengthen your application.

FAQ — Canadian Tire Triangle Mastercard

Is the Canadian Tire Triangle Mastercard really free?

Yes. The card has no annual fee, no hidden maintenance costs, and no minimum spend requirement. You earn rewards from your very first purchase.

Can I use the Triangle Mastercard anywhere?

Absolutely. It functions as a full Mastercard credit card, accepted globally wherever Mastercard is recognized — not just at Canadian Tire stores.

How do I redeem my Triangle Rewards?

You can redeem rewards at Canadian Tire, Sport Chek, Mark’s, L’Équipeur, and participating partner stores. Simply present your Triangle card or app at checkout.

Does it help build credit?

Yes. All payment history is reported to Canada’s major credit bureaus, helping you build or improve your credit score over time.

Can I manage my account online?

Yes. The Triangle App allows real-time management, including balance checks, transactions, and personalized offers, all from your smartphone.

How to Apply for the Canadian Tire Triangle Mastercard — Step-by-Step

1. Step 1: Visit the official Canadian Tire credit card application page.
2. Step 2: Fill in your personal information — name, address, SIN (optional), and employment details.
3. Step 3: Review the pre-approval section to check eligibility without impacting your credit score.
4. Step 4: Submit your application and wait for instant approval (in most cases).
5. Step 5: Once approved, your Triangle Mastercard will be mailed to you within 5–10 business days. Activate it online or via the app.

Pro Tips to Increase Your Chances of Approval

• Check your credit score before applying. A score above 650 gives you a much higher approval rate.
• Pay down existing debts to reduce your utilization ratio — lenders prefer applicants using less than 30% of available credit.
• Apply directly through Canadian Tire’s official platform rather than third-party websites for the most accurate pre-approval checks.
• Include all sources of income — including secondary jobs or freelance work — to strengthen your profile.
• Avoid multiple credit card applications within a short period to prevent hard inquiries that can temporarily lower your score.

Final Thoughts: Is the Triangle Mastercard Worth It?

The Canadian Tire Triangle Mastercard remains one of Canada’s best no-annual-fee credit cards. With generous cashbacks, digital convenience, and simple eligibility, it’s an exceptional choice for anyone who shops regularly in Canada and wants to earn rewards effortlessly.

Whether you’re building credit, saving on gas, or maximizing grocery rewards, this card offers consistent value — especially when paired with the Triangle Rewards ecosystem.

Ready to apply? Don’t wait — start earning rewards on your next grocery or fuel purchase today and enjoy a smarter financial year ahead!

CREDIT CARD

CANADIAN TIRE TRIANGLE MASTERCARD

NO ANNUAL FEE EXCLUSIVE BONUS OFFERS

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