No Receipt Returns
If you scan your TriangleTM Mastercard®, you may make returns without a receipt. Your data and receipt will be accessible to participating shops in the system.
Rates & Fees
The fact that there is no annual charge for the TriangleTM Mastercard® adds to its appeal. While your credit score may affect it, the average purchase APR is 19.99% (excluding cash transactions and associated costs). * The balance transfer APR is 22.99% (21.99% for Quebec residents) and the cash advance APR is 22.99% (21.99% for Quebec residents).
*Although a credit score is not necessary to qualify for this card, customers with lower scores can pay a higher purchase interest rate.
How to Get the Card
The TriangleTM Mastercard® application process is quick and simple online.
After clicking “apply,” you will be prompted to enter the normal personal data, including your contact details and address. Please make sure you have access to your social security number since you will require it.
The real card for the TriangleTM Mastercard® should come in 7–10 days if you are authorized.
How to Use Canadian Tire Money
There is no minimum amount required to use Canadian Tire Money at any participating Canadian Tire retail partner. In other words, one Canadian Tire Dollar is worth one Dollar in actual money and vice versa. When you are ready to redeem, show the cashier your card along with your purchase and indicate that you would want to use your Canadian Tire Money as payment.
It’s crucial to remember that even while you may accumulate Canadian Tire Money by buying petrol, you cannot use your Canadian Tire Money to buy gasoline.
How Does It Compare?
| Card Name | TriangleTM Mastercard® | PC Financial World Elite Mastercard |
|---|---|---|
| Welcome Bonus | 15% CT Money | None |
| Rewards | 4% at partner retailers 1.5% at grocery stores 0.5% elsewhere $0.05/Litre on fuel at Gas+ and Husky stations° | 3% at participating Loblaw & Shoppers Drug Mart Stores 3% on PC mobile and PC travel 1% on all other purchases 2 to 3 cents per litre in bonus PC points for fuel at Esso |
| Added Perks | No fee no interest financing Personalized offers | Travel medical insurance Premium benefits |
| Annual Fee | $0 | $0 |
You can notice that neither card has an annual charge at first sight. This does not imply that these credit cards are equal, though. The PC Financial World Elite Mastercard needs a minimum personal income of $80,000 or family income of $150,000, making it less widely available than the TriangleTM Mastercard®, which has no minimum income criteria.
The PC Financial World Elite Mastercard is superior since it offers a better earn rate for groceries (30 points for every $1 spent), but it is only valid at Shoppers Drug Mart and the PC brand, which not all of us frequent.
Given that neither card has a minimum income criterion and offers points for shopping, particularly for groceries, the TriangleTM Mastercard® stands out.
Final Word
Many Canadians may benefit from The TriangleTM Mastercard®, but families may be particularly drawn to this card. For individuals wishing to make money on regular purchases, CT Money is an excellent option because it allows you to earn on items like groceries, home improvement projects, apparel, sporting goods, and petrol.
For being a profitable card with no annual charge and being simple to qualify for, it earns extra points from us. If you often shop at Canadian Tire or one of its partner stores, even though Canadian Tire Money® may not be as versatile as other cash back reward cards, it could be worth your time.
