Canadian Tire Money is worth $1 for every $1 you have. You earn it at 0.4% of your pre-tax spending with a Triangle Rewards card, or 4% at Canadian Tire stores with a Triangle Mastercard, and more during bonus events like 20x or 30x. Use the calculator to see how much CT Money a purchase will earn you.
Canadian Tire Money calculatorSee how much CT Money you’ll earn on a purchase, and what it’s worth.
CT Money you’ll earn
$1 CT Money = $1 off
Your rate
The same purchase, paid three ways
| How you pay | Rate | CT Money |
|---|
Key takeaways
- $1 in CT Money = $1 off at Canadian Tire, SportChek, Mark’s, L’Équipeur, Party City, Pro Hockey Life and canadiantire.ca.
- The base rate is 0.4% of your pre-tax purchase for Triangle Rewards members. That’s 40¢ of CT Money on a $100 purchase.
- The Triangle Mastercards earn 4% at Canadian Tire family stores, which Triangle calls 10x the base rate. Neither card has an annual fee.
- Bonus offers multiply the base rate. A 20x offer on a $100 pre-tax purchase earns $8 in CT Money.
- You can’t pay for gas with CT Money, but you can earn it at Gas+ and Petro-Canada.
How much CT Money you earn
These are Triangle’s published rates. The Triangle Mastercard and Triangle World Elite Mastercard both have no annual fee. The World Elite card needs a personal income of $80,000 or a household income of $150,000.
| Where you spend | Triangle Rewards card (cash or debit) | Triangle Mastercard | Triangle World Elite Mastercard |
|---|---|---|---|
| Canadian Tire, SportChek, Mark’s, Party City and other Triangle stores | 0.4% | 4% | 4% |
| Grocery stores (first $12,000 a year) | None | 1.5% | 3% |
| Gas+ (Canadian Tire gas bars) | 3¢ a litre | 5¢ a litre | 7¢ a litre on premium, 5¢ on other fuel |
| Petro-Canada | Not published | 5¢ a litre | 7¢ a litre on premium, 5¢ on other fuel |
| Everywhere else | None | 0.5% | 1% |
CT Money is earned on the pre-tax amount, after any CT Money you redeem on that purchase. Walmart, Walmart Superstore and Costco don’t count as grocery stores. Triangle says the Gas+ rate for members can change and may vary by location.
How bonus offers work (10x, 20x, 30x)
Canadian Tire often runs offers like “20x the CT Money” on certain products or weekends. Every multiplier is based on the 0.4% base rate, so each x adds 0.4%:
| Offer | Rate | CT Money on $100 before tax |
|---|---|---|
| No bonus (Triangle Rewards card) | 0.4% | $0.40 |
| 10x (everyday rate on the Triangle Mastercards) | 4% | $4 |
| 20x | 8% | $8 |
| 30x | 12% | $12 |
| 40x | 16% | $16 |
For the credit cards, Triangle counts the card’s everyday 10x as part of the offer. A 30x card offer is “10x everyday plus a 20x bonus,” not 30x on top of 10x. You need to be a Triangle Rewards member to get bonus CT Money, and it’s awarded once per transaction. Paper Canadian Tire Money doesn’t earn bonus offers.
What CT Money is worth
Each dollar of CT Money takes a dollar off your purchase, so its value doesn’t change with what you buy. That makes it simpler than travel points: there’s no chart to study and no “best” item to redeem on.
What changes is how fast you earn it. On a $100 purchase at Canadian Tire, you’d get $0.40 back with only a Triangle Rewards card and $4 with either Triangle Mastercard. To compare it with other cards, our cash back calculator works the same way: each 1% back is $1 for every $100 you spend.
Where you can and can’t use it
You can redeem CT Money in store at Canadian Tire, SportChek, Mark’s, L’Équipeur, Party City and Pro Hockey Life, and online at canadiantire.ca. You can’t use it at Gas+ or Petro-Canada, on tires and wheels, on gift cards or prepaid cards, or on shipping. Our guide on how to use Canadian Tire Money covers each store, online orders and paper money step by step.
If you collect Petro-Points too, you can turn them into CT Money at 1,000 points per $1. See our Petro-Points to CT Money converter.
Frequently asked questions
How much is Canadian Tire Money worth?
$1 in CT Money is worth $1 off at Canadian Tire, SportChek, Mark’s, Party City and the other Triangle stores, and online at canadiantire.ca.
How much Canadian Tire Money do you get per dollar?
With a Triangle Rewards card, you earn 0.4% of the pre-tax amount, or 40 cents per $100. With a Triangle Mastercard or Triangle World Elite Mastercard, you earn 4% at Canadian Tire stores, or $4 per $100.
How do I calculate 30x Canadian Tire Money?
Multiply your pre-tax purchase by 12%, because each x is 0.4% of the purchase. A $100 purchase at 30x earns $12 in CT Money. For the Triangle Mastercards, a 30x offer includes the card’s everyday 10x.
Can you use Canadian Tire Money for gas?
No. You can earn CT Money at Gas+ and Petro-Canada, but you can’t redeem it there.
Does Canadian Tire Money expire?
It can. Canadian Tire may expire your CT Money after 18 months with no earning or redeeming in your account. Registered members with an email address get a notice 30 to 60 days before.
Do I need a credit card to earn CT Money?
No. A free Triangle Rewards card earns 0.4% at Triangle stores and 3 cents a litre at Gas+. The Triangle credit cards earn more, and also earn CT Money at grocery stores and everywhere else. See our Triangle Mastercard vs World Elite comparison.
Related reading
- How to use Canadian Tire Money: in store, online, at SportChek and Mark’s, and paper money
- Petro-Points to Canadian Tire Money: convert your points
- Cash back calculator: compare cash back cards
- Cents per point calculator: what any points are worth
- All calculators
- Triangle Mastercard vs World Elite: which Triangle card to get
- PC Optimum points value and calculator: what your points are worth
- All rewards programs: compare what points are worth
How we checked: Earn rates, card details, bonus rules, where CT Money can be used and the expiry policy come from Triangle Rewards’ website, the Triangle credit card pages and Canadian Tire’s Gas+ page. The calculator uses those rates and doesn’t include limited-time card offers or the grocery yearly cap. Rates can change, so check the Triangle app before you shop. Sources: Triangle: Redeem CT Money; Triangle: About Triangle Rewards; Triangle: Collecting and redeeming; Triangle credit cards; Triangle: Legal information; Canadian Tire Gas+: Triangle Rewards. Last checked October 2026.