Earn rewards on fuel, groceries, and daily purchases — with no annual fee.
A credit card designed for everyday life in Canada
If you live in Canada and regularly spend on fuel, groceries, and everyday essentials, chances are you could be getting more value back from your purchases.
The Canadian Tire Bank Triangle Mastercard is built to do exactly that.
It’s part of the Triangle Rewards ecosystem and focuses on one simple idea: help you save money automatically on the spending you already do, especially at the pump and the grocery store.
No complicated points charts. No annual fee. Just straightforward rewards you can actually use.
What is the Triangle Mastercard?
The Triangle Mastercard is a no-fee credit card that gives you rewards in the form of Triangle Dollars when you spend at participating locations and everyday merchants.
Instead of abstract points or travel conversions, your rewards turn into direct savings — mainly on fuel.
Key benefits at a glance
- 💳 $0 annual fee
- ⛽ Earn rewards at fuel stations like Esso and Mobil
- 🛒 Grocery rewards at stores such as Sobeys and FreshCo
- 🔁 Redeem rewards as instant fuel savings
- 🌍 Mastercard acceptance worldwide
How the Triangle Mastercard works
1. Apply online
You can apply directly through the Canadian Tire Bank website. Many applicants receive a decision within minutes.
2. Start earning automatically
Once approved, every purchase begins earning rewards:
- Up to 2% back at Esso and Mobil gas stations
- Around 1.25% back at participating grocery stores
- Approximately 0.5% back on all other purchases
No activation required. No categories to manage.
3. Redeem your rewards easily
Your earnings accumulate as Triangle Dollars, which can be used for instant savings on fuel at participating stations such as Petro-Canada.
There are no minimum thresholds — you can use your rewards whenever you want.
4. Track everything in real time
You can monitor spending, rewards, and redemptions through the mobile app or online account dashboard.
Example: how rewards add up
Imagine a typical monthly routine:
- $200 on fuel → 2% = $4.00
- $600 on groceries → 1.25% = $7.50
- $300 on other purchases → 0.5% = $1.50
Total monthly rewards: $13.00
Yearly value: $156 (no annual fee)
How it compares to other cards in Canada
Quick comparison of popular credit cards
Triangle Mastercard
Best: Fuel + groceries
Fee: $0
Rewards: 2% fuel, 1.25%
Tangerine Money-Back
Best: Flexible cashback
Fee: $0
Rewards: Up to 2%
Scotiabank Momentum
Best: Premium cashback
Fee: $120
Rewards: 4% groceries
PC Financial World Elite
Best: Loblaw shoppers
Fee: $0
Rewards: PC Optimum
Pros and cons
✅ Advantages
- No annual fee
- Simple, automatic rewards
- Strong savings at fuel stations
- No redemption minimums
- Wide Mastercard acceptance
⚠️ Limitations
- Lower return on non-partner spending
- Rewards mainly useful for fuel savings
- Less valuable if you don’t shop at partner stores
Tips to get the most value
- Combine with the Triangle Rewards card for extra store discounts
- Watch for promotional events with bonus fuel earnings
- Focus spending at partner locations to maximize returns
- Use the app regularly to track offers and rewards
Is it worth it?
If you regularly buy fuel at Esso or Mobil and shop at Sobeys or similar grocery stores, the Triangle Mastercard delivers steady, no-effort savings.
It won’t replace premium travel or high-end cashback cards, but it’s one of the simplest ways to reduce everyday expenses without changing your routine.
FAQ
No. The Triangle Mastercard has no annual fee.
Primarily for fuel discounts at participating Petro-Canada stations.
Yes. It is a Mastercard and is accepted globally wherever Mastercard is supported.
Rewards are earned with every eligible purchase and can be redeemed once available in your account.
Interested? Click the button and we’ll take you straight to the official bank website, where you can submit your application.