Discover the array of rewards waiting for you with the Canadian Tire Credit Card. Maximize your purchases and earn valuable points towards exclusive benefits. Click now to explore!
Canada Tire
The 1922-founded Canadian Tire Corporation Ltd. provides retail, banking, and gasoline services, for Canadian Tire credit cardholders, earning and redeeming exclusive rewards and privileges is made easier by the company's more than 1,700 locations nationwide. See which Canadian credit cards are best suited for Canadian Tire.
Canadian Tire Triangle Mastercard
With the help of its assortment of Mastercards, Canadian Tire allows you to make purchases and get cash back, Canadian Tire money, and fantastic benefits. You can benefit from Canadian Tire's Mastercard loyalty program as each Mastercard is part of the Triangle Rewards portfolio.
The following linked stores accept your Canadian Tire credit card benefits:
Sport Chek
Atmosphere
Sports Rousseau
Hockey Experts
Mark’s
Sports Experts
Canadian Tire Triangle Awards
When you use your credit card to purchase at participating retailers, you can earn Canadian Tire Money under the Canadian Tire Triangle rewards program. You can exchange your accrued Canadian Tire Money for products or savings at any Canadian Tire-affiliated retailer. Moreover, credit cards from Canadian Tire provide enticing cash back on eligible purchases like groceries and gas.
You can benefit from the following advantages of the Triangle Rewards program:
Access to exclusive events for members only
Rewards with cash back
At participating stores, there are no receipt returns.
Offers that are personalized
Purchase protection.
There is no fee or interest financing available at participating stores: Canadian Tire offers fee-free and interest-free financing for purchases. When you buy $150 or more at any of their participating stores, you may take advantage of 24 equal monthly payments.
Credit card users who qualify can benefit from collision insurance on rental cars, extended warranty protection, and other services.
Triangle Mastercard security for Canadian Tire
It's safer to use your Canadian Tire credit card than cash because every transaction is tracked and monitored. Feel secure knowing that you are shielded against fraud when you use your Canadian Tire Mastercard for online transactions.
An overview of the Canadian Tire credit card
Everywhere you purchase, you can earn rewards in the form of "CT Money" with the Triangle Mastercard from Canadian Tire.
Whenever you purchase from Canadian Tire or any of its few affiliated companies (Sport Chek, Mark's/L'equipeur, and Atmosphere), you will receive 4% in CT Money.
1.5% in the CT Spending the first $12,000 at approved grocery outlets (not including Costco and Walmart)
0.5% in CT Money for all other expenses
Select Gas+ locations charge 5 cents in CT Money for each liter.
No income or yearly fee requirements
Designed for devoted Canadian Tire customers, the Triangle Mastercard can earn you significant benefits if you purchase at the venerable Canadian retailer frequently. Although the 4% return offered at Canadian Tire stores seems fantastic, it's important to note that this amount is only received on pre-tax purchases; other credit card rewards are determined based on the entire amount of transactions. Thus, if you assume an average sales tax of 13% in Canada, the true return is closer to ~3%. Though not always at the rate that is being advertised, this return is still excellent.
Consumers can receive 4% back in CT Money for use toward future purchases when they use the card at Canadian Tire outlets or any of their affiliates, which include Mark's, Sport Check, and Party City, among others. That will be helpful whether you're purchasing materials for a remodeling project or basic household things like batteries and light bulbs.
Additionally, you can save money on regular expenses like groceries and gas by using the Triangle Mastercard. Patrons filling up at specific Gas+ sites will receive five cents per liter, and after spending twelve thousand dollars at eligible grocery retailers (not including Costco and Walmart), you'll receive one percent in CT Money. You will still receive 0.5% back on any additional purchases.
In addition to the rewards program, the Triangle Mastercard offers other benefits like:
Returns without a receipt are accepted at participating stores
Access to store promos and activities that are exclusively available to members
Personalized offers based on your purchasing patterns
Also, Triangle provides no-fee, 0% interest financing through Canadian Tire Bank for customers wishing to charge a larger item on their card. Customers can choose to pay for purchases of $150 or more over 24 months by making equal monthly payments, as long as the item is bought at Canadian Tire or one of their affiliate stores.
How to Make CT Money
Two methods are available to you for earning CT Money:
When you make purchases anywhere (including on transactions made outside of Canadian Tire and its affiliates) using a Canadian Tire Mastercard, you will earn CT Money.
As a basic Triangle Rewards Member without a Canadian Tire credit card, you will only earn CT Money when you make purchases from Canadian Tire affiliate merchants. Sports Experts, Pro Hockey Life, Hockey Experts, Gas+ stations, Sports Chek, Canadian Tire stores, and designated Mark's and Atmosphere stores are examples of affiliate retailers.
You might earn more or less CT Money depending on what kind of Triangle Rewards Member you are in addition to where you can earn it. As opposed to just 0.4% as a regular Triangle Rewards Member, using a Canadian Tire credit card will earn you 4% when you shop at affiliate brands. However, Canadian Tire offers "Triangle Bonus Days" and other limited-time promotions that allow you to accrue additional CT Money on specific purchases, which are available to both Triangle credit card members and basic Triangle Rewards Members.
Other services and goods offered by Canadian Tire credit cards
Canadian Tire Financial Services provides its clients with three credit cards in addition to no-cost financing on certain purchases, identity theft protection, and credit protection insurance to keep you safe and ease your life in the event of unanticipated circumstances.
No finance costs
Do you need to make a large purchase from Canadian Tire but would rather spread out the cost over time rather than pay the entire amount at once? With a Canadian Tire credit card, you can be eligible for 0% financing depending on the purchase. This is how it operates:
You can pay for an eligible product sold at Canadian Tire using a Canadian Tire credit card and spread the payment over 12 months without incurring interest or fees if the purchase is between $200 and $499. However, you will have to pay 12 equal installments per month, and you will be responsible for penalties and/or interest if you skip any of these 12 payments. Note: The same guidelines will apply if you make a qualified purchase exceeding $499, but you'll have to spread out your 24 equal payments over two years.
Only qualifying products sold at Canadian Tire are eligible for this no-fee, no-interest financing offer. If you do have a balance on your credit card from other transactions, the card's 21.99% APR will still apply.
Financial services provided by Canadian Tire
When paying for larger bills that are typically too big to pay with cash, you can use your Canadian Tire credit card to access Canadian Tire Financial Services. This will allow you to utilize your credit card to create additional Canadian Tire Money.
For instance, you can use this Service to pay your property taxes using a Triangle Mastercard, which entitles you to earn CT Money off of your tax payment. The following bills can be paid using your credit card through Canadian Tire Financial Services: property taxes, utility bills, tuition costs, and insurance premiums. For those who are confident in their ability to make timely and complete bill payments, this service is a terrific choice. Because you will be responsible for paying interest (19.99% APR) on any sum you accrue, you must utilize this service with caution. Furthermore, paying a substantial amount of interest would be due if you were to fall behind on larger payments, such as your property tax.
Protector of credit
Credit Protector is insurance that covers your Canadian Tire credit card payments if you pass away, lose your job, or get disabled. If you become disabled or lose your employment due to no fault of your own, Credit Protector will pay 3% of your outstanding balance, up to $1,000 every month. This service will settle your outstanding debt up to a maximum of $20,000 if you or your spouse receive a terminal illness diagnosis and/or pass away. For every $100 of your current month's outstanding balance, including any applicable taxes, Credit Protector costs about $1.10. You would pay $2.20 plus taxes, for instance, if your balance was $200. Credit Protector is free if your outstanding balance each month is $10 or less.
protection against identity theft
Canadian Tire sells Identity Watch Classic and Identity Watch Elite, two products that guard against identity theft. For lost or stolen Canadian Tire credit cards, both packages include credit card protection that cancels and replaces services. In addition to paying you up to $75 annually for a computer tune-up, they offer Internet Personal Information Protection, which monitors the personal information you register online. Rebound Asset Return Service is another service they provide; it lets you get lost things with an identifying Rebound sticker back to you. Identity Watch Elite also offers travel and security services, such as emergency cash transfers and airline tickets, in addition to these services. It's now simpler for you to obtain the services you require because you may register using your smartphone as well.
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