Triangle World Elite Mastercard

Triangle World Elite Mastercard

Master CardNo Annual FeesRewards / PointsStore

Smart Score

73
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Annual Fee

$0.00

Interest Rate

19.99%

Balance Transfer

21.99%

Cash Advance

22.99%

Credit Score

Unknown

Rewards

4.00%*

  • Collect 3% in CT Money when you stock up at grocery stores (on the first $12,000 per year; excludes Costco and Walmart)
  • Collect 4% in CT Money at Canadian Tire, Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts,  L’Entrepôt du Hockey and participating Mark’s/L’Équipeur and Sports Experts stores.
  • Collect 5¢-7¢ per litre in CT Money on premium fuel, and 5¢ per litre on all other fuel types at Gas/Essence locations and participating Husky stations.
  • Redeem your CT Money at Canadian Tire, Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts,  L’Entrepôt du Hockey and participating Mark’s/L’Équipeur and Sports Experts stores.
  • Turn Big Purchases into Small Payments with no fee, no interest financing on qualifying purchases of $200 or more at participating stores.
  • Easy no-receipt returns at participating stores.
  • Earn everywhere you shop: collect CT Money everywhere else you shop.
  • Access member-only events: be the first to know about exclusive events and extra savings.
  • Personalized offers tailored just for you.
  • Organize your finances anytime, anywhere through the Triangle App.
  • Personal 24/7 concierge services: enhanced Customer Service (priority queuing) in our award-winning call centre
  • Roadside Assistance Gold Plan, plus Car Rental Collision/Loss Damage Waiver Insurance.
  • Extended Warranty Insurance, plus protection for most items in event of loss, damage, or theft within 90 days of purchase.
  • You must be a Canadian resident
  • You must be at least the age of majority in the province where you reside
  • You must be currently employed or retired
  • You must have a minimum personal income of $80,000
  • You must have excellent credit

Summary

The Triangle World Elite Mastercard gives you CT Money back on all your purchases as well as no fee, no interest financing on qualifying purchases. Enjoy CT Money everywhere you shop, including 3% in CT Money when you stock up at grocery stores (on the first $12,000 per year; excludes Costco and Walmart), and 4% back in CT Money when you shop at Canadian Tire, Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Mark’s/L’Équipeur and Sports Experts stores. All your CT Money is redeemable in those stores!

Our Review

Triangle World Elite Mastercard

The Triangle World Elite Mastercard allows its holders to earn CT Money back on all purchases as well as no fee, no interest financing on qualifying purchases. Cardholders can earn 3% in CT Money in grocery stores (on the first $12,000 per year; excludes Costco and Walmart), and 4% back in CT Money when you shop at Canadian Tire, Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Mark’s/L’Équipeur and Sports Experts stores. All your CT Money is redeemable in those stores, but there are no other options for rewards, so if you’re not a fan of those stores then this definitely isn’t the card for you. However, if you are a fan, this card’s rewards rates are pretty good and it also offers a number of other perks, including roadside assistance, extended warranty, purchase protection, money off fuel at Gas/Essence and participating Husky locations, and personalized offers, all at no annual fee!

As per our rating system, this card scored 18/25 on rewards, 17/25 on interest rates and balance transfers, 13/25 on perks and insurance, and 25/25 on annual fees. Therefore, the total smart score of this card is 73/100.

Pros
  • No annual fee!
  • Collect 3% in CT Money when you stock up at grocery stores (on the first $12,000 per year; excludes Costco and Walmart)
  • Collect 4% in CT Money at Canadian Tire, Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts,  L’Entrepôt du Hockey and participating Mark’s/L’Équipeur and Sports Experts stores.
  • Collect 5¢-7¢ per litre in CT Money on premium fuel, and 5¢ per litre on all other fuel types at Gas/Essence locations and participating Husky stations.
  • Redeem your CT Money at Canadian Tire, Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts,  L’Entrepôt du Hockey and participating Mark’s/L’Équipeur and Sports Experts stores.
  • Turn Big Purchases into Small Payments with no fee, no interest financing on qualifying purchases of $200 or more at participating stores.
  • Easy no-receipt returns at participating stores.
  • Access member-only events: be the first to know about exclusive events and extra savings.
  • Personalized offers tailored just for you.
  • Organize your finances anytime, anywhere through the Triangle App.
  • Personal 24/7 concierge services: enhanced Customer Service (priority queuing) in our award-winning call centre
  • Roadside Assistance Gold Plan, plus Car Rental Collision/Loss Damage Waiver Insurance.
  • Extended Warranty Insurance, plus protection for most items in event of loss, damage, or theft within 90 days of purchase.
Cons
  • You must have a minimum personal income of $80,000
  • CT Money can only be redeemed at Canadian Tire, Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts,  L’Entrepôt du Hockey and participating Mark’s/L’Équipeur and Sports Experts stores.
  • The 3% earnings in grocery stores are capped at $12,000 in annual spends.
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