There are many credit card rewards programs available to Canadians, and there is something for everyone! Whether you are a wine lover, a globetrotter or a movie lover, you can join a program that allows you to get discounts on your purchases!

Are you a sports fan and is Canadian Tire your favourite department store? The Triangle Rewards program is perfect for you!

This program, created very recently in 2018, is run by Canadian Tire Corporation. Despite being relatively unknown, Triangle has lots of advantages!

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The evolution of Canadian Tire Money

Every Canadian has probably misplaced some Canadian Tire Money! Fortunately, with the Triangle Rewards Card, Canadian Tire has evolved. The money you knew still exists, it’s just in electronic form. This is more in line with customer habits.

Do you still have Canadian Tire Money in the bottom of a drawer at home? Its value hasn’t changed and can be used at Canadian Tire whenever you want. In fact, if you’re not a member of the Rewards program or can’t prove your membership at checkout, you can request to receive your reward in paper form.

In order to maximize your rewards, we strongly advise you to join the program. Firstly, your money will be centralized in one place. So, no more risk of losing your bills scattered in different places. As a member, you can earn Canadian Tire Money with your keychain mini card, your rewards card, through the mobile app or a Triangle Mastercard credit card. 

Also, by being a member of the program, you can earn money at various participating stores! Even your online purchases can earn you money!

What is the Triangle Rewards Program?

The Triangle Rewards Program is designed for people who regularly buy sports equipment. In fact, by looking at the list of participating stores (more on that later), we can quickly identify who the target customer is. However, it is important to consider that many different items can be found at Canadian Tire. Whether you’re looking for household goods, outdoor furnishings, or even your next coffee machine, a visit to the retailer may convince you that you’re in the right place. And don’t forget that you can get your auto repairs done through Canadian Tire Auto Service. It’s never fun to pay for vehicle maintenance, but when you’re collecting rewards, the expense is less of a headache!

Unlike other programs you may be familiar with, Triangle Rewards are collected in money, not points. The value of Canadian Tire Money is the same as Canadian money. So, one Canadian Tire dollar equals one Canadian dollar.

How to join the Triangle Rewards program

Registration for the Triangle Rewards program is quick, easy and free. It is available to all Canadian consumers who have reached the age of majority. 

It takes less than two minutes to join by visiting the Triangle Rewards website. You can also download the Triangle application to your mobile phone. Next, you will be prompted to create an account. You will then have instant access to your rewards and exclusive offers.

You can also become a member of the program by obtaining one of the three credit cards associated with the Triangle program. To do so, you must meet the following eligibility criteria: you have reached the age of majority and have a credit score that meets the requirements of the Canadian Tire Bank.

The loyalty card gives you a 0.4% discount on all your purchases at affiliated stores, while the Triangle Mastercard credit cards give you a 4% discount.

How to access the Triangle Rewards Program mobile app

To download the Triangle application to your mobile phone, you need to go to Google Play or Apple Store, depending on the brand of your device. In the search engine, you type in “Triangle” and click on “Install”. Once the application has finished downloading, you have to enter your personal information. It’s quick and easy!

How to earn Canadian Tire Money

As mentioned earlier, Canadian Tire Money can be earned at various participating retailers. 

Depending on current offers, your accrual rate may vary. If there is no offer, the discount rate is 0.4% with your loyalty card and 4% with your Triangle Mastercard. According to the French magazine “Protégez-Vous “, you would have to spend about $178 to earn a $1 reward with the loyalty card.  

Money spentValue in Canadian Tire Money
$178$1
$17,778$100

At Essence+ and Gas+ service stations, you get $0.03 per litre of gas if you present your membership card. If you have a credit card, you get between $0.05 and $0.07 per litre. 

As you have probably guessed by now, credit cards allow you to earn points much faster. However, just because they give you the opportunity to earn more rewards doesn’t mean they are the right cards for you. To make the right choice, use Hardbacon’s credit card comparison tool! It’s a free, customizable tool that gives you card suggestions that really fit your spending habits.

Which stores are participating in the Triangle Rewards Program?

You can use your Loyalty card at several partner stores. The majority of participating stores specialize in the sale of sports goods. Here are all the places where you can earn rewards:

  • Canadian Tire
  • Gas+
  • Essence+
  • Husky
  • SportChek
  • Mark’s
  • L’Équipeur
  • Atmosphere
  • Sports Experts
  • Sports Rousseau
  • Hockey Experts
  • Pro Hockey Life
  • Party City

If you have one of the Triangle Mastercard credit cards, you can also earn rewards at all grocery shops except Costco and Walmart. 

How to maximize your rewards with the Triangle Rewards Program loyalty card

If you’re on the lookout for bargains and want to maximize your rewards, you’ll be pleased to know that there are a number of tricks you can use to do so.

First, when you want to make a purchase, ask yourself if the item is available at participating stores. For example, when you need coffee, you may not think of Canadian Tire. However, it’s the kind of thing you can get at a bargain price! So, by centralizing your purchases at participating stores, you’ll earn money faster. 

Secondly, in the same vein, you can get into the habit of always filling up with gas at Essence+, Gas+ and Husky stations. 

Thirdly, you can give an extra card to a family member. This way, you can earn rewards faster. Please note, however, that only one person can redeem rewards during a transaction. The person who owns the account has this right. 

Fourth, to maximize your rewards, you need to be on the lookout for exclusive offers from partner stores. You can view your weekly offers directly on your mobile app, on the stores’ websites, or directly in-store. Through your app, you even receive personalized offers that are based on your shopping habits. Offers can look like: “Get 5x Canadian Tire Money on plants and bulbs”, “10x Canadian Tire Money on pool items” or “20x Canadian Tire Money on gas lawnmowers”.

To receive offers that match your tastes as soon as you join, you can customize your preferences directly in your account. You can choose between all these purchasing categories:

  • Auto care
  • Tools and hardware
  • Essential household goods
  • Pastry and cooking
  • Home renovations
  • Garden work
  • Auto repairs
  • Sports and recreation
  • Pet care
  • Outdoor life

Finally, “Triangle Bonus Days” or “Spend and Get” events allow you to earn rewards faster. 

How to maximize your rewards with a Triangle Mastercard

While Triangle Mastercard Credit Cards allow you to earn Canadian Tire Money faster, there are certain ways to maximize your rewards.

First, you can get an extra credit card and give it to a member of your household. This way, all the family’s spending is centralized on the same account and you get higher rewards.

In addition, if you use your card for groceries, gas and all your other daily purchases, you get discounts faster. 

How to redeem your Canadian Tire Money

The Canadian Tire Money you earn can be used to reduce the amount of money you pay on your bills when you visit any participating store, except for Essence+ and Gas+. Each dollar you earn is worth one Canadian dollar. 

In-store, you can redeem your points at Canadian Tire, SportChek, Mark’s, L’Équipeur, Atmosphere, Sports Experts, Sports Rousseau, Hockey Experts, Pro Hockey Life and Party City. Online, you can redeem your points at the same stores, except for Atmosphere and L’Équipeur. 

Some branches allow a limited amount of Canadian Tire Money to be redeemed per transaction. For example, at Canadian Tire, you can redeem a maximum of $100 at a time. 

It is a good idea to redeem your points during a promotional period. This is because the discount rates are sometimes higher, allowing you to get a higher monetary return than usual.

The other benefits of membership in the program

Members of the Triangle Rewards program enjoy other benefits. These include the ability to make returns and exchanges without having the invoice. Since your transactions are recorded in your account, you do not need to keep your receipt.

In addition, you have access to exclusive contests. The prizes are usually very attractive! In recent years, there have been tickets to shows, tickets to NHL and MLB games, trips around North America and so much more!

Finally, thanks to your membership card, you can participate in exclusive events. On these occasions, you usually have access to additional discounts on certain items and several surprises.

How to check your account balance

There are several ways to find out your Triangle account balance. You can go to the mobile app and check your account information, find the information at the bottom of your last bill, or ask a cashier to check your balance.

Expiration of your Canadian Tire Money

As with all rewards programs, the rebates you earn can expire. Fortunately, with Triangle, you don’t have to worry too much about this.

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The money you have earned may expire if your account remains inactive for 18 months. To prevent this from happening, simply use your membership card on a transaction. This can be a purchase or a money exchange.

Triangle Rewards Program credit cards

As mentioned earlier, you can benefit from Canadian Tire Rewards by holding one of the Triangle Program credit cards. Mastercard offers three cards, the Triangle Mastercard, the Triangle World Mastercard and the Triangle World Elite Mastercard.

The cards offered have many advantages:

  • There are no annual fees;
  • They allow you to get discounts at other stores (all grocery shops except Costco and Walmart);
  • With the “Turn Big Purchases Into Small Payments” program, you can benefit from financing with no fees or interest. To take advantage of this program, you must make a purchase of at least $150 at a participating retailer. You can then pay off your financing in 24 equal monthly payments;
  • If you wish to be reimbursed for an item purchased at one of the stores participating in the program, you can do so without a receipt. In fact, since it is possible to trace your transaction with your card, you do not have to keep your proof of purchase.

Of course, all rebates are always paid in Canadian Tire Money. If you want to make sure you’re making the right choice by choosing the credit card that fits your spending habits, we invite you to use Hardbacon’s credit card comparison tool. It’s a free, customizable tool that gives you suggestions for cards that fit your financial situation.

Here are the features of each of the Triangle Rewards program credit cards in more detail.

The Triangle Mastercard credit card

Annual fees: none

Interest rate on purchases: 19.99%.

Interest rate on cash advances and balance transfers: 22.99% (21.99% in Quebec)

Rewards: Earn up to 4% Canadian Tire “Money” and $0.05 per litre of gas.

The Triangle Mastercard credit card is the basic card of the program. With this card, you don’t earn rewards as quickly, but many people are drawn to its simplicity and ease of access.

When you use the card, you’ll receive a 1.5% rebate in Canadian Tire Money when you pay your grocery bill (excluding Costco and Walmart shops). You get 4% back on all your purchases at participating stores. Finally, you get $0.05 per litre of gas every time you fill up at Essence+ and Gas+.

The Triangle World Mastercard credit card

Annual fees: none

Interest rate on purchases: 19.99%.

Interest rate on cash advances and balance transfers: 22.99% (21.99% in Quebec)

Rewards: earn up to 4% in Canadian Tire Money and $0.07 per litre of gas

The Triangle World Mastercard credit card is a bit special as it is not possible to apply for membership. It is currently only available by invitation. This exclusive concept attracts many curious people!

As with the previous card, you get 4% back on all your purchases at participating stores. If you usually fill your car with Super grade gasoline, you get $0.07 back per litre. For other types of gasoline, the discount rate is $0.05 per litre. However, you must fill up at Essence+ or Gas+.

The Triangle World Elite Mastercard credit card

Annual fees: none

Interest rate on purchases: 19.99%.

Interest rate on cash advances and balance transfers: 22.99% (21.99% in Quebec)

Rewards: earn up to 4% in Canadian Tire Money and $0.07 per litre of gas

Finally, the World Elite Mastercard credit card is the card that allows you to earn rewards the fastest. With this card, you can enjoy some exclusive advantages.

This card gives you 3% off your grocery bill (excluding Costco and Walmart shops). For all purchases made at participating stores, the discount rate is 4%. You get $0.07 off a litre of Super gasoline and $0.05 off other types of fuel when you fill up at Essence+ and Gas+ stations.

Among the other benefits, you automatically become a member of the Roadside Assistance Gold Plan. In addition to making your life easier when you travel, you’re covered for collisions and damages with a rental vehicle. You also get a 90-day extended warranty with zero liability purchase protection. As if that wasn’t enough, you have priority access to the concierge service available at all times. That means you are placed in a priority queue when you call the Triangle program’s customer service department.

To be eligible for this card, you must have an annual income of at least $80,000 or an annual family income of at least $150,000.

The best credit card in the Triangle Rewards Program

While all Triangle Mastercard credit cards are free and have the same interest rates, the best card offered is without a doubt the World Elite Mastercard credit card. In fact, with this card, you benefit from a higher discount rate in addition to various advantages such as access to the Roadside Assistance Gold Plan, and you also get additional insurance on rental vehicles and an extended warranty on your purchases.

Our verdict on the Canadian Tire Triangle Rewards program

The Triangle Rewards program has many advantages. However, the rewards are not very generous. Indeed, with the membership card, the discount rate is 0.4% at participating stores. So you have to spend a lot of money to get a significant discount.

However, it is important to keep in mind that membership is free! So even if the discount rate is low, the rewards are still worthwhile! Not to mention the fact that you have access to exclusive promotions. It’s the perfect opportunity to save money.

If you’re interested in the program and regularly visit participating stores to make everyday purchases, then one of the Triangle Mastercard credit cards is ideal. With a 4% rebate rate, you can earn Canadian Tire Money faster. You can also get discounts on grocery shop purchases.

Summary of the program

Where to use your Triangle Rewards Card– Canadian Tire – Mark’s – Sportchek – Atmosphere – Party City – L’Équipeur – Sports Experts – Sports Rousseau – Hockey Experts – Hockey Warehouse – Essence+ – Gas+ – Husky
How to earn Canadian Tire Money– Shop at a partner store (online or in-store) – Watch for weekly offers – Shop during “Bonus Days”. – With a Triangle Mastercard (also available with Canadian Tire Money when shopping at grocery shops, except Costco and Walmart)
Earn Canadian Tire Money with your loyalty card– 0.4% on purchases made at Canadian Tire or participating retailers – $0.03 per litre of gasoline at Essence+, Gas+ and Husky
Earn Canadian Tire Money with the Triangle Mastercard Credit Card– 4% on purchases made at Canadian Tire or a participating store – 1.5% on purchases at grocery shops, excluding Costco and Walmart – $0.05 per litre of gasoline at Essence+, Gas+ and Husky
Earn Canadian Tire Money with the Triangle World Mastercard Credit Card– 4% on purchases at Canadian Tire or participating store – $0.07 per litre of Super gasoline at Essence+, Gas+ and Husky – $0.05 per litre of gasoline at Essence+, Gas+ and Husky
Earn Canadian Tire Money with the Triangle World Elite Mastercard Credit Card– 4% on purchases made at Canadian Tire or participating stores – 3% on purchases at grocery shops, excluding Costco and Walmart – $0.07 per litre of Super gasoline at Essence+, Gas+ and Husky – $0.05 per litre of gasoline at Essence+, Gas+ and Husky
Triangle Rewards program credit card– Triangle Mastercard – Triangle World Mastercard – Triangle World Elite Mastercard
Special features of the program– Money earned cannot be redeemed at gas stations – Earned Canadian Tire Money expires after 18 months of inactivity
Program advantages– Free, quick and easy membership – Access to exclusive contests and events – Personalized offers – Various credit cards linked to the program – Easy conversion: 1 dollar earned = 1 dollar off your purchases

Frequently asked questions about the Triangle Rewards Program

Comment obtenir une carte Récompenses Triangle?

Vous pouvez obtenir une carte Récompenses Triangle en vous rendant chez un des commerces participants, en vous créant un compte sur l’application mobile Triangle, en visitant le site web Triangle ou en demandant une carte de crédit Mastercard Triangle.

Dans quel commerce puis-je cumuler de l’Argent Canadian Tire?

Vous pouvez cumuler de l’Argent Canadian Tire en effectuant des achats auprès d’un des commerces participants : Canadian Tire, SportChek, Mark’s, L’équipeur, Atmosphère, Sports Experts, Sports Rousseau, Hockey Experts, Pro Hockey Life, Party City, Essence+, Gas+ et Husky. Si vous avez une carte de crédit Mastercard Triangle, vous pouvez également obtenir des ristournes dans toutes les épiceries à l’exception de Costco et Walmart.

Dans quel commerce puis-je échanger mon Argent Canadian Tire?

Vous pouvez échanger votre Argent Canadian dans les succursales Canadian Tire, SportChek, Mark’s, L’équipeur, Atmosphère, Sports Experts, Sports Rousseau, Hockey Experts, Pro Hockey Life et Party City. En ligne, vous pouvez le faire également auprès des mêmes commerces, à l’exception de Atmosphère et L’équipeur.

Est-ce que mon Argent Canadian Tire papier est encore valide?

Oui, vous pouvez échanger votre Argent Canadian Tire papier pour avoir de l’argent virtuel ou pour réduire le solde de votre facture en vous rendant chez Canadian Tire. Vous pouvez encore obtenir de l’argent papier si vous le demandez à la caisse.

Est-ce que l’Argent Canadian Tire virtuelle expire?

Oui, si votre compte est inactif pendant 18 mois consécutifs.

Comment savoir si les cartes de crédit Mastercard Triangle sont idéales pour moi?

Pour vous assurer qu’il s’agit d’un choix judicieux pour vous, nous vous invitons à utiliser le comparateur de cartes de crédit de Hardbacon.

Est-ce que ma carte de crédit Mastercard Triangle peut être utilisée dans tous les commerces, même ceux qui ne sont pas partenaires?

Oui! Toutefois, si vous utilisez votre carte de crédit Mastercard Triangle dans un commerce qui n’est pas partenaire au programme autre qu’une épicerie, vous ne cumulez pas d’Argent Canadian Tire. Vous pouvez d’ailleurs l’utiliser partout dans le monde où Mastercard est accepté.

Est-ce que les Jours de prime Triangle s’appliquent chez les magasins partenaires?

Oui, les Jours de prime s’appliquent chez tous les magasins participants. Il suffit de présenter votre carte virtuelle ou physique lorsque vous arrivez à la caisse.