The Triangle Mastercard and Triangle World Elite Mastercard both have no annual fee and both earn 4% back in Canadian Tire Money at Canadian Tire, SportChek and Mark’s. The World Elite earns more everywhere else (3% on groceries and 1% on other purchases) and adds purchase insurance, extended warranty, rental car coverage and roadside assistance. The catch is that it needs a $80,000 personal or $150,000 household income.
Triangle Mastercard vs World Elite calculatorEnter what you spend in a year to see how much CT Money each card earns.
Your yearly spending
World Elite earns
in CT Money a year
Triangle Mastercard
in CT Money a year
Difference
both have no annual fee
Where the CT Money comes from
| Spending | Triangle Mastercard | World Elite |
|---|
Triangle Mastercard vs World Elite at a glance
| Triangle Mastercard | Triangle World Elite Mastercard | |
|---|---|---|
| Annual fee | $0 | $0 |
| Income needed | None stated | $80,000 personal or $150,000 household |
| Canadian Tire, SportChek, Mark’s and other Triangle stores | 4% in CT Money | 4% in CT Money |
| Grocery stores (first $12,000 a year) | 1.5% | 3% |
| Gas at Gas+ and Petro-Canada | 5¢ a litre | 7¢ a litre on premium, 5¢ on other fuel |
| Everything else | 0.5% | 1% |
| Purchase interest rate | 21.99% | 21.99% |
| Cash advances and balance transfers | 22.99% | 22.99% |
| Foreign transaction fee | 2.5% | 2.5% |
| Purchase security and extended warranty | No | Yes |
| Rental car collision and loss coverage | No | Yes |
| Roadside assistance | No | Yes (must be activated) |
| Equal payments, no interest at Canadian Tire | Yes, on purchases of $150 or more | Yes, on purchases of $150 or more |
Rates are from Canadian Tire Bank’s card pages and disclosure, effective March 26, 2025. Grocery rates exclude Walmart, Walmart Superstore and Costco, and the gas rate is earned on whole litres.
How much more does the World Elite earn?
At Canadian Tire family stores, nothing: both cards earn 4%. The difference is everywhere else. On $8,000 of groceries a year, the World Elite earns $240 in CT Money and the Triangle Mastercard earns $120. On $12,000 of other spending, it’s $120 versus $60. The calculator above adds up your own numbers.
All of it comes as CT Money, worth $1 for every $1 at Canadian Tire, SportChek, Mark’s and the other Triangle stores. Our Canadian Tire Money calculator shows what a single purchase earns, including 20x and 30x bonus offers.
World Elite benefits
These are the extras the World Elite card adds. The Triangle Mastercard’s official pages don’t list any insurance or roadside assistance.
- Purchase security: covers eligible items you buy with the card for 90 days after purchase, up to $10,000 per calendar year per account.
- Extended warranty: doubles the manufacturer’s warranty by up to one extra year, for warranties of five years or less.
- Rental car collision and loss damage waiver: for rentals of up to 31 days in a row. Cars with a retail price over $65,000 aren’t covered.
- Roadside Assistance Gold Plan from Canadian Tire Roadside Assistance: up to 5 service calls a year, towing up to 250 km in Canada or the U.S., battery boosts, lockouts, spare-tire changes and fuel delivery (with $5 of fuel). You have to activate it first at triangle.com/WorldEliteRoadside.
- 24/7 concierge service.
The World Elite card doesn’t list travel medical insurance, trip cancellation insurance, mobile device insurance or airport lounge access. If you want those, you’ll need a different card.
What both cards share
- No annual fee.
- Equal payments, no interest for 24 months on purchases of $150 or more at participating Canadian Tire family stores, if you ask for it and are approved. Terms can change.
- Returns without a receipt at participating stores.
- The same interest rates: 21.99% on purchases and 22.99% on cash advances and balance transfers outside Quebec. In Quebec, both rates are 21.99%. Canadian Tire Bank says Triangle Mastercard applicants who aren’t approved at the standard rate may get 25.99% and 27.99%.
- A 2.5% foreign transaction fee on purchases in other currencies.
The Triangle World Mastercard, an older middle card, no longer appears on Canadian Tire’s list of cards you can apply for.
Which one should you get?
- Get the World Elite if your personal income is at least $80,000 or your household income is at least $150,000. It earns at least as much CT Money everywhere and adds insurance and roadside assistance, for the same $0 fee.
- Get the Triangle Mastercard if you don’t meet that income. You’ll still get 4% at Canadian Tire, 1.5% on groceries and 5¢ a litre on gas.
- Consider a different card if you rarely shop at Canadian Tire. Outside Triangle stores and groceries, 0.5% or 1% is a low return, and CT Money can only be spent at Triangle stores. Our cash back calculator helps you compare.
Frequently asked questions
Is the Triangle World Elite Mastercard worth it?
If you qualify, yes. It has no annual fee and earns the same 4% at Canadian Tire as the regular Triangle Mastercard, plus 3% on groceries, 1% everywhere else, purchase insurance, extended warranty, rental car coverage and roadside assistance.
What is the income requirement for the Triangle World Elite Mastercard?
A personal income of at least $80,000 or a household income of at least $150,000.
Does the Triangle Mastercard have an annual fee?
No. Neither the Triangle Mastercard nor the Triangle World Elite Mastercard has an annual fee.
What is the Triangle Mastercard interest rate?
21.99% on purchases and 22.99% on cash advances and balance transfers outside Quebec, effective March 26, 2025. In Quebec, both rates are 21.99%.
Does the Triangle Mastercard include roadside assistance?
The World Elite card includes the Roadside Assistance Gold Plan, which you need to activate at triangle.com/WorldEliteRoadside. The regular Triangle Mastercard’s pages don’t list roadside assistance.
Does the Triangle World Elite Mastercard have travel insurance?
It includes rental car collision and loss damage coverage, but Canadian Tire Bank doesn’t list travel medical or trip cancellation insurance for it.
Related reading
- All credit card reviews: reviews and best-card shortlists
- Canadian Tire Money calculator: what a purchase earns
- How to use Canadian Tire Money: stores, online and paper money
- Petro-Points to Canadian Tire Money: convert your points
- Cash back calculator: compare cash back cards
- All rewards programs: compare what points are worth
- Best no-fee credit cards: our shortlist of 7 cards
- Simplii credit card review: 4% on restaurants, no fee
- Rogers credit card review: cash back and foreign currency
- Journie Rewards: the fuel rewards program, explained
How we checked: Fees, income requirements, earn rates, interest rates and the foreign transaction fee come from Canadian Tire Bank’s Triangle card pages and disclosure (effective March 26, 2025) and the Cardmember Agreement. World Elite insurance details come from the insurance certificate, and roadside details from the roadside assistance terms. Canadian Tire’s pages give two different grocery rates after the $12,000 yearly cap, so the calculator uses each card’s everyday rate above it. We left out welcome offers because they change often. This is a comparison of the two cards’ features, not financial advice. Sources: Triangle credit cards; Triangle Mastercard; Triangle World Elite Mastercard; World Elite insurance certificate (PDF); World Elite roadside assistance terms (PDF); Canadian Tire Bank Cardmember Agreement (PDF). Last checked October 2026.