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If you frequently shop at Canadian Tire and have long been collecting Canadian Tire money, you can make your hard-earned dollar work even harder for you with the Canadian Tire World Elite Mastercard.

As a cardholder, you can now collect and redeem your Canadian Tire rewards not only when you shop at Canadian Tire, but at other retail stores as well! 

Let’s take a closer look at the Canadian Tire World Elite Mastercard to help you decide if it’s worth applying for.

Canadian Tire World Elite Mastercard Overview

Canadian Tire offers three different credit cards to help Canadians earn more Canadian Tire money. The Triangle World Elite Mastercard is a premium version of the credit cards offered by Canadian Tire. The card offers great cash back rewards and other perks, all with no annual fee. 

Consumers who frequent the big-box store will be able to accumulate rewards faster with the World Elite Mastercard and use their points in a wider variety of places, while still using their Canadian Tire money to spend on products.

The card also comes with free roadside assistance, which is a rarity for a no-fee credit card.

Annual Fee$0
Interest Rate19.99%
Cash Advance Rate22.99% (21.99% for Quebec)
Cash Advance Fee$4.00
Foreign Currency Conversion2.5%
Earn Rate1% to 4%
Extra PerksRoadside assistance
Extended warranty
No receipt returns
Personalized offers

Canadian Tire World Elite Mastercard Earn Rate

Every time you use your Canadian Tire World Elite Mastercard, you’ll earn points. The earn rate depends on where you use your card, as follows:

  • Earn 3% in Canadian Tire money at grocery stores on the first $12,000 spent, per year. (except Costco and Walmart)
  • Earn 4% in Canadian Tire money at Canadian Tire and other participating merchants.
  • Earn 5¢-7¢/L in Canadian Tire money on premium fuel, and 5¢/L on all other fuel types at Gas+/Essence+ locations and select Husky gas stations.
  • Earn 1% per $1 spent on all other purchases

Maximize Your Rewards

To help maximize the amount of Canadian Tire money you earn, use Canadian Tire’s personalized offers feature. You’ll get exclusive discounts and offers when you sign up for the Canadian Tire World Elite Mastercard. Simply activate the offer you want by signing into your online account. You can also stack your offers to earn extra points. 

How To Redeem Triangle Rewards

The original Canadian Tire money was only redeemable for products at Canadian Tire stores. With the World Elite Mastercard, cardholders have access to a whole variety of stores where points can be used towards a purchase:  

  • Canadian Tire
  • Sport Chek
  • Hockey Experts
  • Party City
  • Sports Rousseau
  • Mark’s
  • Atmosphere  
  • L’Entrepôt du Hockey
  • Sports Experts 
  • Pro Hockey Life

Canadian Tire World Elite Mastercard Perks 

As a Canadian Tire World Elite Mastercard cardholder, you’ll enjoy several perks, all without an annual fee:

No Receipt Required For Returns

In general, Canadian Tire will not accept return if you do not have a receipt. While they do offer a receipt look-up, you may be denied a refund if they cannot find the receipt in their system. But with the Canadian Tire World Elite mastercard, there’s no need to keep a stash of receipts just in case you’re not happy with the purchase. Purchases can be returned without a receipt present when you have the Canadian Tire World Elite Mastercard.

Find out if Canadian Tire price matches.

Roadside Assistance

Included in the Canadian Tire World Elite Mastercard is the Roadside Assistance Gold Plan, at no extra charge. Enjoy up to 250KM per service call to the destination of your choice across Canada and the US. This includes 24-hour roadside assistance for towing, fuel delivery, flat tire changes, battery boosts, lockout services, and extrication. Using a Rental? The plan also includes insurance for collisions when renting a vehicle. 

Purchase Protection And Extended Warranty

As a cardholder, you’ll be protected against the loss, damage, and or theft of an eligible product within 90 days of your purchase. Moreover, if you purchase an item that has a warranty (through the manufacturer), the coverage may be extended up to one year. Do note, that the item will only be eligible for extended warranty if the original item has manufacturer warranty coverage and the item was purchased on your account. 

Earn Rewards Everywhere And Get Personalized Offers

No matter where you use your World Elite Mastercard, you’ll earn rewards. With the Triangle App, swap in-store offers for a personalized one based on your needs. Plus, cardholders can stack offers to maximize on savings and enjoy 25x the bonus points on certain Canadian Tire products. 

Concierge Services

Get better customer service and priority queuing with Canadian Tire’s personalized concierge services available 24/7. You can also use these services to help you book hotels, make travel reservations, or help you shop. Ultimately, the Canadian Tire World Elite Mastercard prioritizes customer convenience and comfort. Whatever your needs, you can expect the personalized concierge service to help you out. 

Triangle App

The free Triangle App is the perfect place to manage your rewards and credit card account. Save on purchases, activate personalized offers and manage your Triangle Rewards all in one place at your convenience. Want to save for something special? The app also offers a goal tracker, simply pick a product of your choice, set an amount you want to save and watch the points pile up! The app is available to be used at any Triangle affiliate partner stores.

Who Are Triangle Partners?

Triangle Partners are merchants partnered with Canadian Tire. As a Triangle Partner, Canadian Tire is able to offer the World Elite Mastercard, allowing clients to collect and redeem Canadian Tire money. The partners are those mentioned above and include the following:

  • Canadian Tire
  • Sport Chek
  • Hockey Experts
  • Party City
  • Sports Rousseau
  • Mark’s
  • Atmosphere  
  • L’Entrepôt du Hockey
  • Sports Experts 
  • Pro Hockey Life 

As of May 31, 2022, Husky will no longer be a partner in the Triangle Rewards Program.

How To Apply For The Canadian Tire World Elite Mastercard?

You can apply for the Canadian Tire World Elite Mastercard online. Simply visit their website here and start an application. The entire application should take less than 5 minutes to complete. There’s a total of 5 sections to complete: 

  • About Me – Here you’ll need to enter some personal details like your name, date of birth, SIN (optional) and email address. 
  • My address – Enter your current address. You may also need to add in your previous address. 
  • My work – You’ll need to add details about your employment such as your company name, position and start date.
  • My preferences – Here, you’ll select your communication preferences. 
  • Credit Protector –  You’ll have the opportunity to add group creditor insurance to your account for a fee.
  • Review & Submit – After that, simply review your application and submit your application. If you’re approved, you’ll get your card in the mail.

Canadian Tire World Elite Mastercard FAQs

What do I need to qualify for the Canadian Tire World Elite Mastercard?

You need a personal annual income of $80,000 or a household income of $150,000 to be eligible for the card.

Does the Canadian Tire World Elite Mastercard have travel insurance?

No, there is no travel insurance package. However, the card does come with standard coverage for rental car damage including collisions, purchase protection, and extended warranty.

What credit score do I need for the Canadian Tire World Elite Mastercard?

To qualify for the Canadian Tire World Elite mastercard, you’ll need a very good to excellent credit score which can range anywhere between 725 – 900.

How much is Canadian Tire money worth?

One dollar in Canadian Tire money is worth $1 CAD.

Final Thoughts

Collecting Canadian Tire money is easier than ever for those who frequent the big box store. Now, take advantage of the Triangle partners and rewards program by adding the Canadian Tire World Elite Mastercard to your wallet. Apply for one today and enjoy all the perks Canadian Tire has to offer with no annual fee.

Lisa Rennie avatar on Loans Canada
Lisa Rennie

Lisa has been working as a personal finance writer for more than a decade, creating unique content that helps to educate Canadian consumers in the realms of real estate, mortgages, investing and financial health. For years, she held her real estate license in Toronto, Ontario before giving it up to pursue writing within this realm and related niches. Lisa is very serious about smart money management and helping others do the same.

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