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The Triangle World Elite Mastercard is a no-annual-fee rewards card built around Canadian Tire Money, earning 4% at Canadian Tire and Triangle partner stores like Sport Chek, Mark’s, and Atmosphere. It also earns bonus fuel savings and 3% back on groceries, making it a strong everyday card for shoppers loyal to the Triangle retail family.
Approval requires a minimum personal income of $80,000 or household income of $150,000, positioning this card above Canadian Tire’s standard Triangle Mastercard in both earn rates and eligibility requirements.
Beyond the retail earn rates, the card includes a World Elite benefits package: roadside assistance, concierge service, and a set of purchase and travel-adjacent protections that most no-fee cards skip.
Who This Card Makes Sense For
This card is a good fit if you:
- Shop regularly at Canadian Tire, Sport Chek, Mark’s, or other Triangle partner stores
- Meet the $80,000 personal or $150,000 household income requirement
- Fuel up at Petro-Canada or Essence+ stations and want per-litre savings on top of Canadian Tire Money
- Want World Elite perks like roadside assistance and concierge service without an annual fee
It’s a weaker fit if you:
- Don’t meet the income requirement, since Canadian Tire’s standard Triangle Mastercard has no such threshold
- Rarely shop at Canadian Tire or its partner banners
- Shop primarily at Costco or Walmart for groceries, since those retailers are excluded from the 3% grocery rate
Eligibility and Documents Needed
You’ll need a minimum personal annual income of $80,000, or a household income of $150,000, to qualify. Beyond the income threshold, expect the standard identification and employment details most Canadian credit card applications require.
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The card issuer doesn’t publish additional documentation requirements beyond income verification during underwriting.
How to Apply
Applications are accepted online at mastercard.triangle.com, or in person at Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Atmosphere, or participating Sports Experts locations. A specific approval or delivery timeline isn’t published on the main product page.
Fees and Conditions
The numbers that matter most:
- Annual fee: $0
- Purchase interest rate: 21.99%
- Cash advance rate: 22.99%, with a cash advance fee of 3% of the transaction (minimum $10)
- Foreign transaction fee: Mastercard’s conversion rate plus 2.5%
Canadian Tire’s page doesn’t disclose a specific additional cardholder fee for this card — confirm that figure directly if you plan to add a card for a family member.
Canadian Tire Money accumulates at different rates depending on where you shop:
- 4% at Canadian Tire and Triangle partner stores (Sport Chek, Mark’s, Atmosphere, Party City, and others)
- 3% on groceries, on the first $12,000 spent annually, excluding Costco and Walmart
- 5 to 7 cents per litre at Petro-Canada and Essence+ stations, on top of the base rate
- 1% on all other purchases
A household that maxes out the $12,000 grocery cap earns $360 in Canadian Tire Money from groceries alone, without factoring in Triangle store or fuel spending. Because there’s no annual fee, that math starts positive from the first dollar spent rather than needing to clear a fee threshold first.
The World Elite benefits package includes:
- Gold Roadside Assistance, covering towing up to 250 km
- Purchase security insurance and extended warranty coverage
- Rental vehicle collision and loss damage insurance
- 24/7 personal concierge service
- Interest-free financing on purchases of $150 or more at participating retailers
The interest-free financing option on larger purchases is a distinctive perk for a no-fee card, letting cardholders spread out the cost of appliances or bigger-ticket items at Canadian Tire without paying interest, provided the balance is paid within the promotional window. The roadside assistance plan alone can offset the value of a paid membership with another provider for drivers who tow occasionally.
Cash advances are subject to a 3% fee with a $10 minimum, on top of the 22.99% interest rate, and interest on cash advances begins accruing immediately rather than benefiting from a grace period. Quebec residents see a flat 21.99% rate applied across all debits rather than the tiered purchase and cash advance structure used elsewhere.
Replacing a lost statement copy costs $2, and a credit balance fee applies if your account carries a credit balance, capped at the lesser of $2 or the balance itself. These are minor charges but worth knowing before they show up unexpectedly on a statement.
Frequently Asked Questions
What income do I need to qualify?
A minimum personal annual income of $80,000, or a household income of $150,000.
Does this card charge an annual fee?
No, the Triangle World Elite Mastercard has no annual fee.
Which stores earn Canadian Tire Money at 4%?
Canadian Tire and Triangle partner banners including Sport Chek, Mark’s, Atmosphere, and Party City.
Are Costco and Walmart included in the grocery rate?
No. The 3% grocery rate excludes Costco and Walmart purchases.
What roadside assistance is included?
The Gold Roadside Assistance plan, which covers towing up to 250 km.
