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Canadian Tire Money is worth its face value: Canadian Tire says $1 in CT Money equals $1 in merchandise at Canadian Tire, Sport Chek, Mark’s and its other partner stores. The Triangle credit cards earn 4% at those stores and 5¢ a litre at Gas+ and Petro-Canada, but CT Money can’t be spent anywhere else, and it can expire after 18 months with no activity.
Checked November 2026
Value$1 = $1in merchandise at Canadian Tire and partner stores
Card earn in store4%on almost everything at partner stores
Triangle® World Elite® Mastercard®: fees and rates
Annual fee
$0
Foreign transaction fee
2.5%
Purchase rate
21.99%
Cash advance rate
22.99%
Eligibility
Triangle® World Elite® Mastercard®: eligibility
Recommended credit score
720or higher (Good)
Minimum personal income
$80,000
Minimum household income
$150,000
Purchase security
Extended warranty
Rental car collision/loss damage waiver
Free Canadian Tire Roadside Assistance Gold plan (normally $100/year) with towing up to 250 km (must be activated)
24/7 concierge service
Personalized, stackable Triangle Rewards bonus offers via the Triangle app
Bill Pay feature earns CT Money on payments like tuition and property taxes
CT Money redeems like cash ($1 = $1) at Canadian Tire family stores
Perkopolis discounts through roadside membership
LAB REPORT
A free card for Canadian Tire shoppers who also spend a lot on groceries. You earn 3% back in CT Money on groceries and 4% at Canadian Tire stores, plus free roadside assistance.
Suits you if
You shop at Canadian Tire, Sport Chek or Mark’s often
You spend a lot on groceries outside Costco and Walmart
You drive and want free roadside assistance
Look elsewhere if
You want rewards you can use outside Canadian Tire stores
You buy most of your groceries at Costco or Walmart
You want travel insurance with your card
Credit Lab Expert
No annual fee
4% back in CT Money at Canadian Tire family stores
3% on groceries, up to $12,000 a year
Free Canadian Tire Roadside Assistance Gold plan
CT Money can only be spent at Canadian Tire family retailers
CT Money redeems at $1 = $1 at Canadian Tire, Sport Chek, Mark's, L'Équipeur, Atmosphere, Party City and other partner stores
No fee, no interest equal monthly payments (24 months unless otherwise stated) on qualifying purchases of $150 or more at participating retailers, on approved credit
Exclusive cardholder bonus offers that stack with Triangle Bonus Days, Spend-and-Get events and weekly flyer offers
Online account servicing: balances, rewards, cardmember offers and e-statements in one profile
LAB REPORT
A simple, free card for people who already shop at Canadian Tire. It turns your Canadian Tire runs, gas and groceries into CT Money, with no yearly fee.
Suits you if
You shop at Canadian Tire, Sport Chek or Mark’s often
You fill up at Gas+ or Petro-Canada
You want rewards without paying an annual fee
Look elsewhere if
You want cash back you can spend anywhere
Most of your spending happens at other stores, where it earns 0.5%
You want insurance included with your card
Credit Lab Expert
No annual fee
4% back in CT Money at Canadian Tire, Sport Chek and Mark’s
5¢ per litre in CT Money at Gas+ and Petro-Canada
1.5% on groceries, up to $12,000 a year
0.5% back outside the bonus categories
CT Money is spent only at Canadian Tire family stores
Grocery rate excludes Walmart and Costco
No insurance or welcome offer listed on the product page
Triangle Rewards (2026): what Canadian Tire Money is worth and how to use it
LAB REPORT
Best for drivers and families who shop at Canadian Tire, Sport Chek or Mark’s and fill up at Gas+ or Petro-Canada. CT Money is worth $1 per dollar at those stores and the no-fee cards earn 4% there, but you can’t spend it anywhere else.
Suits you if
You shop at Canadian Tire, Sport Chek or Mark’s every few weeks
You buy gas at Gas+ or Petro-Canada
You want a card with no annual fee
Look elsewhere if
You want rewards you can spend anywhere
You rarely shop in the Canadian Tire family of stores
You might go 18 months without earning or redeeming
Credit Lab Expert
How much will you earn in CT Money?
How much will I earn in CT Money?
You’d earn about$5.00 in CT Money$1 in CT Money = $1 at Canadian Tire, Sport Chek, Mark’s and other partner stores. Rates vary by card, so pick yours above for its exact rates.
Triangle Rewards is Canadian Tire’s loyalty program. Members collect electronic Canadian Tire Money (CT Money) when they shop at participating Canadian Tire family stores, on canadiantire.ca and on fuel, then spend it on merchandise at the same stores. The program is run by Canadian Tire Corporation.
CT Money is worth its face value at partner stores: $1 in CT Money takes $1 off merchandise, and the terms say it can cover applicable taxes too. That makes the program easy to value: 4% back in CT Money is worth 4% of what you spend, as long as you’d shop at those stores anyway.
How you earn CT Money with the Triangle cards
Earn rates from Canadian Tire’s card pages
Spending
Triangle Mastercard
Triangle World Elite Mastercard
Canadian Tire, Sport Chek, Mark’s and partner stores
4%
4%
Grocery stores, first $12,000 a year
1.5%
3%
Fuel at Gas+ and Petro-Canada
5¢ a litre
5¢ a litre, 7¢ on premium
Everything else
0.5%
1%
Annual fee
None
None
The grocery rate applies to stores coded as grocery (Mastercard merchant code 5411) and excludes Costco and Walmart. Above $12,000 a year in grocery spending, the rate drops to 1%. Fuel earns on whole litres, rounded down, and Canadian Tire says the rate can vary by location.
The World Elite card needs a minimum of $80,000 in personal income or $150,000 in household income, and includes a Canadian Tire Roadside Assistance Gold plan once you activate it.
In stores, CT Money is worked out on the pre-tax purchase amount. The terms also say you can collect at a different rate depending on whether you pay with a Triangle credit card or just show your Triangle Rewards card.
How to redeem CT Money
Shop at a partner storeRedeem in store at Canadian Tire and the other partner banners, or where Canadian Tire allows it online.
Show your card or appPresent your Triangle Rewards card, Triangle credit card or the app to the cashier when you pay.
Choose how much to useUse CT Money for all or part of the purchase, including taxes, and pay the rest another way.
CT Money earned on a purchase can’t be used on that same transaction.
It can’t be used on alcohol, tobacco, gift cards or prepaid cards, to pay a Canadian Tire Bank credit card or loan, or on financial or insurance products.
You can combine CT Money with paper Canadian Tire Money, but you can’t collect paper money and electronic CT Money on the same purchase.
Return something you bought with CT Money and the CT Money goes back to your account rather than coming back as cash.
What a year of CT Money earns
Our example household, a year of spending
Spending
A year
Triangle Mastercard
Triangle World Elite
Groceries, $600 a month
$7,200
$108
$216
Canadian Tire family stores, $100 a month
$1,200
$48
$48
Gas+ or Petro-Canada, 150 litres a month
1,800 L
$90
$90
Everything else, $800 a month
$9,600
$48
$96
Total CT Money
$294
$450
The gap comes from groceries and everyday spending, where the World Elite card earns double. Both cards earn the same at Canadian Tire and on fuel.
Expiry and account rules
Inactivity: the terms let Canadian Tire expire your CT Money after 18 months or more with neither a transaction where you collect CT Money nor one where you redeem it.
Closing your membership: ending your Triangle Rewards membership closes the account and cancels all CT Money in it.
Program changes: Canadian Tire can cancel the program, or set a date after which CT Money can’t be used, except for members in Quebec, Ontario or other provinces where that isn’t allowed.
No cash value: CT Money can’t be exchanged for cash or transferred.
Getting the most from Triangle Rewards
Put Canadian Tire, Sport Chek and Mark’s purchases on a Triangle card for the 4%.
Fill up at Gas+ or Petro-Canada with the card for 5¢ a litre.
Use the World Elite card for groceries if you qualify, since 3% beats many no-fee grocery cards up to the $12,000 cap.
Spend CT Money on things you’d buy anyway, such as tires, oil changes or household supplies.
Watch for Triangle bonus offers, which Canadian Tire says stack with flyer offers and Bonus Days.
Who Triangle Rewards suits
It suits drivers and families who shop at Canadian Tire, Sport Chek or Mark’s every few weeks and fill up at Gas+ or Petro-Canada. For them, CT Money is close to cash, and the no-fee cards add a solid rate on store spending and fuel.
If you rarely shop in the Canadian Tire family of stores, rewards you can spend anywhere are worth more. Compare our cash back cards and grocery cards.
Frequently Asked Questions
How much is Canadian Tire Money worth?
$1 in CT Money equals $1 in merchandise at Canadian Tire, Sport Chek, Mark’s and the other partner stores. It has no cash value.
Where can I use CT Money?
Canadian Tire lists Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Atmosphere, Party City, Pro Hockey Life, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts stores.
Does Canadian Tire Money expire?
It can. The program terms let Canadian Tire expire CT Money after 18 months or more with no earning or redeeming. Any earn or redeem resets the clock.
How much CT Money do the Triangle credit cards earn?
Both earn 4% on almost everything at Canadian Tire family stores and 5¢ a litre on fuel at Gas+ and Petro-Canada. The Triangle Mastercard earns 1.5% on groceries and 0.5% elsewhere; the World Elite earns 3% and 1%.
Can I use CT Money to pay my Triangle credit card bill?
No. The terms say CT Money can’t be used to make a payment on any Canadian Tire Bank credit card or loan.
Can I use paper Canadian Tire Money and CT Money together?
Yes, you can redeem them together. You can’t collect paper Canadian Tire Money and electronic CT Money on the same purchase.
Do I need a Triangle credit card to collect CT Money?
No. You can collect with a free Triangle Rewards card, the app or your phone number. The credit cards earn more, and Canadian Tire says rates can differ by how you pay.
Do the Triangle cards earn CT Money at Costco or Walmart?
Not at the grocery rate. Canadian Tire says the grocery rate excludes Costco and Walmart.
General information for Canadians, not financial advice. Programs change their rules and redemption rates, so confirm the details with the program before you redeem. See our methodology.
