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Home Credit Cards

4 Best Canadian Tire Credit Cards in Canada

Adeola Adegoke by Adeola Adegoke
January 10, 2024
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Canadian Tire is one of Canada’s largest retailers that offers a wide range of products, from automotive supplies to home essentials. Canadian Tire Bank, the financial subsidiary of Canadian Tire, issues a line of credit cards known for their extensive rewards and cashback rates.

If you are looking for credit cards that offer cashback, reward points, and other amazing perks, Canadian Tire credit cards are your best option. They let you earn rewards on every purchase to maximise your shopping experience. 

However, Canadian Tire offers four credit cards, and choosing the best one for your needs can be difficult. In this article, we will explore the best Canadian Tire credit cards in Canada, their features, benefits, rewards and fees so you can find the perfect one for you.

Read on to learn more.

An Overview of Canadian Tire Bank

Canadian Tire Bank is a financial institution that offers a range of financial products and services in Canada, including credit cards, savings accounts, and loans. It is a subsidiary of the Canadian Tire Corporation, one of Canada’s largest and most recognisable retail brands.

Canadian Tire Bank was founded in 2008 and headquartered in Oakville, Ontario, with many network branches and offices across Canada.

The bank focuses on providing financial products and services to Canadian consumers. Its flagship product is the Triangle Mastercard, a rewards credit card that can be used at Canadian Tire stores, Sport Chek, Mark’s, and other affiliated retailers. 

Canadian Tire Bank offers customers rewards points on their purchases, which can be redeemed for discounts on future purchases.

In addition to Triangle Mastercard, the bank offers other credit cards, like the Triangle World Elite Mastercard, the Cash Advantage Mastercard, and the Gas Advantage Mastercard.

RELATED: Canadian Tire Financing: How Does It Work (2024)

Triangle Mastercard

The Triangle Mastercard is a must-have credit card among Canadian Tire credit cards. When you have the Triangle Mastercard, you automatically become a member and can take advantage of many Canadian Tire Bank programs.

The Triangle Mastercard is a rewards credit card that can be used at Canadian Tire stores, Sport Chek, Mark’s, and other affiliated retailers. Customers earn rewards points on their purchases, which can be redeemed for discounts on future purchases.

You can collect points via your card, a keychain, or the Triangle mobile application, The rewards program for the Triangle Mastercard is based on a points system known as CT Money. 

There is no annual fee; interest rates are 19.99% for purchases and 22.99% for cash advances and transfers between accounts (21.99% in Quebec).

With the Triangle Mastercard, you earn 4% cash back in CT Money on purchases at Canadian Tire stores and affiliated retailers (Atmosphere, L’Équipeur, Sports Experts, Hockey Experts, Sports Rousseau, and L’Entrepôt du Hockey).

Also, the credit card allows you to pay for any purchase over $150 over 24 months in equal payments with no fees or interest. The card offers 1.5% cash back in CT Money for groceries (on the first $12,000 per year, excluding Costco and Walmart) and $0.05 per litre when you buy gasoline at Gas+ locations using the credit card.

In addition, you earn 0.5% cash back in CT Money for every purchase elsewhere. Once you have accumulated enough points, you can redeem them for discounts on future purchases at Canadian Tire stores, Sport Chek, Mark’s, and other affiliated retailers. You can also use your points to pay for purchases directly at Canadian Tire gas stations or online.

To be eligible, you must be above 18 years, have a Social Insurance Number (SIN), and meet the credit requirements.

Check it out

Triangle World Elite Mastercard

The Triangle World Elite Mastercard is a premium credit card that offers enhanced rewards programs compared to the Triangle Mastercard. It can be used at Canadian Tire stores, Sport Chek, Mark’s, and other affiliated retailers. 

In addition to the rewards the Triangle Mastercard offers, the Triangle World Elite Mastercard offers 3% cash back for groceries on the first $12,000 per year (excluding Costco and Walmart).

It offers $0.07 per litre in CT Money on premium fuel and $0.05 per litre on other fuel types when you buy at Gas+ locations using this credit card. You can earn 1% cash back in CT Money for other purchases elsewhere.

The rewards point earned with the Triangle World Elite Mastercard can be redeemed for discounts on future purchases at Canadian Tire stores, Sport Chek, Mark’s, and other affiliated retailers, or travel and merchandise rewards.

In addition to its rewards program, the Triangle World Elite Mastercard offers a variety of other benefits to customers. For example, the card has exclusive benefits, including Roadside Assistance Gold Plan, Purchase Security Insurance, Car rental collision/loss damage waiver insurance, and personal 24/7 concierge services.

To be eligible for the Triangle World Elite Mastercard, you must have an annual income of at least $80,000 or a household income of at least $150,000. 

Check it out

Cash Advantage Mastercard

The Cash Advantage Mastercard is a rewards credit card that offers cashback rewards on purchases made with the card.

With the Cash Advantage Mastercard, you can earn cashback rewards on all your eligible purchases at 1.5% and 3% cash back on purchases at Canadian Tire stores, Canadian Tire gas bars, and Marks. 

The more you use your card yearly, the greater the percentage of cashback you will get. Your cashback is automatically applied to your account yearly, and there’s no limit on how much you can earn.

The Cash Advantage Mastercard also allows you to make purchases of $150 or more at Canadian Tire and get special financing plans to make payments in 24 equal monthly payments with no fee or interest.

In addition, the card has no annual fee and offers an online account where you can easily check your balance and make payments anytime. It can be used anywhere Mastercard is accepted.

Overall, the Cash Advantage Mastercard is a popular credit card among Canadian consumers looking for a simple and straightforward cashback rewards program with no annual fee.

The best part is that this credit card has no income requirement. Anyone above 18 with a Social insurance number and who meets the credit criteria can apply.

Check it out

Gas Advantage Mastercard

The Gas Advantage Mastercard is a rewards credit card that offers savings on fuel purchases at Canadian Tire gas stations. With the Gas Advantage Mastercard, you can save 10 cents per litre on fuel purchases at Canadian Tire gas stations when you pay with the card. 

When you swipe your Gas Advantage Mastercard at Canadian Tire gas bar locations, your price per litre drops instantly. The more you use your card for purchases, the more money you save.

If you want to save money next month, use the card more this month to buy groceries, dine out, or pay your bills. The more you use the card for everyday purchases, the more you save on gas purchases.

Also, you can increase your gas discount 2X faster when you make purchases at Canadian Tire and Mark’s stores.

Overall, the Gas Advantage Mastercard is a popular credit card among Canadian consumers who frequently purchase fuel at Canadian Tire gas stations. It offers substantial savings on fuel purchases in addition to the regular rewards program.

Check it out

How To Choose The Best Canadian Tire Credit Card For You

Choosing the best Canadian Tire credit card for your financial needs depends on your spending habits and financial goals. There is a credit cards to suit your needs, so you must consider them all carefully.

Here are a few points to consider when choosing the right Canadian Tire credit card for you:

  • Rewards: Look for a card with rewards that align with your spending habits. For example, if you spend a lot on gas and groceries, look for a card that offers bonus rewards in those categories.
  • Annual Fees: Some Canadian Tire Mastercards come with an annual fee, so consider whether the rewards you earn will outweigh the cost of the fee.
  • Interest Rates: If you plan to carry a balance, look for a card with a low-interest rate.
  • Credit Score: Some Canadian Tire Mastercards require a higher credit score than others, so check the requirements before applying.
  • Cardholder Perks: Some Canadian Tire Mastercards include additional perks like roadside assistance or travel insurance. Consider whether these perks are valuable to you.

Once you have considered these factors, compare the different Canadian Tire Mastercards available and choose the one that best suits your needs.

RELATED: Best Credit Cards in Canada: Fees Rewards, and Cash Backs

Final Thoughts on the Best Canadian Tire Credit Cards

Get rewarded today for your shopping spree with the best Canadian Tire Credit Cards!

Choose from various options, like the Triangle Mastercard for discounts on future purchases, the Triangle World Elite Mastercard for premium perks, or the Cash Advantage Mastercard for cashback. 

Maximize your shopping experience and get the most out of every purchase. Which card suits your spending style? Find out and start earning rewards today!

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