The Triangle® World Elite® Mastercard® is not just a credit card; it’s a tool that amplifies your spending power and enhances your daily life. Designed with a rich rewards program and premium benefits, this card is a standout choice for Canadians who want to make the most out of every purchase.

From earning Canadian Tire Money® to enjoying exclusive perks like roadside assistance and personalized concierge services, this card delivers immense value—all with no annual fee. Whether you’re filling up at the pump, shopping for groceries, or indulging in your favorite brands, the Triangle World Elite Mastercard turns ordinary purchases into extraordinary rewards.

Main features of the Triangle World Elite Mastercard

How does the annual fee work?

One of the best things about the Triangle World Elite Mastercard is that it comes with no annual fee. For many credit card users, an annual fee can be a deal-breaker, especially when seeking premium perks. This card eliminates that concern, ensuring that you get access to top-tier benefits without any hidden costs.

With no annual fee, you can enjoy a rewards program that delivers value on everyday purchases, from groceries to fuel, without feeling weighed down by yearly charges. It’s a feature that stands out, making the Triangle World Elite Mastercard an accessible yet premium choice for Canadian consumers.

How is the credit limit determined?

The credit limit for the Triangle World Elite Mastercard is personalized to fit your financial profile. Canadian Tire Bank takes into account various factors, including your credit score, income level, and overall financial stability, to determine an appropriate limit for you.

This tailored approach ensures that your spending power aligns with your ability to manage credit responsibly. Unlike prepaid cards, where the limit depends on deposits, or secured cards, which require collateral, this credit card provides a flexible limit based on your financial health, giving you both purchasing power and peace of mind.

Advantages of the Triangle World Elite Mastercard

The Triangle World Elite Mastercard offers a range of benefits that cater to diverse lifestyles. Here’s a closer look at its standout features:

• Generous Rewards Program: Earn up to 4% Canadian Tire Money® at select stores and 3% on groceries (excluding Costco and Walmart).
• Fuel Savings: Collect up to 7¢ per litre in CT Money at Gas+ and Petro-Canada stations, making it ideal for frequent drivers.
• No Annual Fee: A premium card with zero yearly charges ensures you get maximum value.
• Exclusive Insurance Coverage: Enjoy purchase security for 90 days, protecting eligible items against theft or damage, and car rental insurance for up to 31 days.
• Roadside Assistance Gold Plan: Get towing coverage up to 250 km, ensuring help is always nearby when needed.
• Digital Convenience: Manage your account, rewards, and payments through the intuitive Triangle App.
• Concierge Services: Access 24/7 assistance for anything from booking tickets to planning special events.

Standout benefit: the ultimate rewards program

The Triangle World Elite Mastercard’s rewards program is a game-changer. With up to 4% Canadian Tire Money earned on purchases at participating stores, this card helps you maximize value effortlessly. For grocery shopping, you’ll enjoy a 3% return, and even your fuel purchases come with added perks, allowing you to save up to 7¢ per litre.

What truly elevates this rewards program is the ability to stack offers during special promotions. For instance, you could earn significant CT Money on a single purchase by combining your everyday rewards with bonus offers and event-specific deals. This stacking potential makes the Triangle World Elite Mastercard a powerful tool for anyone looking to maximize their spending efficiency.

Disadvantages

While the Triangle World Elite Mastercard excels in many areas, it does have a few drawbacks:

• Income Requirement: Requires a minimum personal income of $80,000 or household income of $150,000.
• Grocery Rewards Limit: The 3% cashback on groceries is capped at $12,000 annually and excludes major retailers like Costco and Walmart.
• Limited Eligibility: The card is not available to individuals with poor credit or insufficient income.
• Restricted Usage: Rewards are most valuable when redeemed at Canadian Tire-affiliated stores, limiting flexibility.

Primary disadvantage: high income threshold

The card’s income requirement of $80,000 annually (or $150,000 for households) may limit accessibility for many Canadians. While these criteria align with the premium benefits offered, they can exclude those who might otherwise benefit from its features.

For potential applicants who don’t meet the income threshold, exploring other options within the Triangle Mastercard family could be a suitable alternative.

Who can apply for this card?

To apply for the Triangle World Elite Mastercard, you must meet the following requirements:

• Be at least 18 years old (19 in some provinces, depending on regional laws).
• Have a minimum personal income of $80,000 or a household income of $150,000.
• Possess a valid Canadian credit history with no significant delinquencies or defaults.
• Ensure that your account with Canadian Tire Bank is in good standing.

Unfortunately, this card is not available to individuals with a poor credit score, recent bankruptcy, or those who cannot provide proof of income. If you meet these requirements, you’re one step closer to enjoying all the exclusive benefits this card has to offer.

How to apply for the Triangle World Elite Mastercard

The application process for the Triangle World Elite Mastercard is designed to be quick and straightforward, whether you prefer to apply online, through the app, or in-store.

Via the website

1. Visit the official Canadian Tire website.
2. Navigate to the Triangle World Elite Mastercard page and click “Apply Now.”
3. Fill out the online application form with your personal, financial, and employment details.
4. Review and submit your application. You’ll receive a response within minutes.

Via the app

1. Download the Triangle App from the App Store or Google Play.
2. Sign in or create an account.
3. Navigate to the “Credit Card” section and select the Triangle World Elite Mastercard.
4. Follow the step-by-step instructions to complete your application.

In-store

Visit a Canadian Tire store and speak with a customer service representative at the help desk. They can assist you in filling out an application and answer any questions you may have.