Annual Fee
$0
Welcome Bonus
—
Bonus Value
—
Estimated value
1st Year Value
$30
Pros & Cons
Pros
- +Purchase protection included
- +No annual fee
Cons
- –Foreign Transaction Fee (2.5%)
Rewards
All Spending
0.8x
Canadian Tire Triangle pts per dollar
Groceries
1.5x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
¢/ point
0.10¢0.30¢
Points Earned
29,880
Canadian Tire Triangle/yr
Estimated Value
$30
After Fees
+$30
1st Year Value
$30
incl. welcome bonus
Annual rewards breakdown
Groceries$8,400/yr × 1.5x12,600 pts
Gas & EV$2,400/yr × 0.8x1,920 pts
Transit$1,200/yr × 0.8x960 pts
Restaurants$3,600/yr × 0.8x2,880 pts
Pharmacy$600/yr × 0.8x480 pts
Travel$1,800/yr × 0.8x1,440 pts
Bills & recurring payments$3,000/yr × 0.8x2,400 pts
Telecom$1,800/yr × 0.8x1,440 pts
Entertainment & streaming$1,200/yr × 0.8x960 pts
All other spending$6,000/yr × 0.8x4,800 pts
Total annual spend$30,000
Monthly spend$2,500
Average earn rate on spend per year1x
Total points earned29,880 pts
Value of accumulated points≈ $30
Purchase Protection
✓
Purchase Protection
Included
✓
Extended Warranty
+1 year(s)
Interest Rates
- Purchase Rate19.99%
- Cash Advance22.99%
- Foreign Transaction Fee2.5%
Terms & Conditions
Card Features
- Earn 1.5% in CT Money when you buy groceries (on the first $12,000 per year; excluding Costco and Walmart stores
- Earn 4% on eligible purchases at Canadian Tire, Sport Chek, Mark’s/L’Équipeur, Atmosphere, Party City, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts stores
- Get 5¢ per liter in CT Money at participating Husky gas bars, Gas+ and Gas+ stations every time you fill up
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. EducFinance may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Triangle. All trademarks are property of their respective owners.