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What Is The Triangle Rewards Program?

Canadian Tire is an iconic Canadian brand and the company’s Canadian Tire Money was one of Canada’s most beloved loyalty programs. To appeal to a younger and more-digitally minded demographic, Canadian Tire launched a new loyalty program in 2018 called Triangle Rewards. The Triangle Rewards program allows members to collect and redeem Canadian Tire Money (also known as CT Money) online and in-store at Canadian Tire and a variety of other retailers. There is no fee to join the program.

How to earn rewards

One of the best features of Triangle Rewards is the many ways you can earn rewards. You simply show your membership card or have the cashier scan your Triangle app (available for android and iOS—more on the app below). You can earn CT Money when you shop in person or online, with some exceptions, at the following retailers (note that some retailers are only found in Quebec):

  • Canadian Tire
  • Sport Chek
  • Atmosphere
  • Party City
  • Sports Rousseau (no collecting online only in person)
  • Hockey Experts* (can’t collect online)
  • participating Gas+ locations
  • Mark’s & L’Équipeur
  • Sports Experts

You can’t collect CT Money on things like gift cards, lottery tickets, hunting and fishing licences, labour (other than labour for automobile repairs), prepaid cards, phone cards, and tobacco products. A full list of prohibited products is available on the Canadian Tire website.

  • Note that not all Sports Experts locations are participating in the program.

Canadian Tire Triangle Rewards Mastercards

The other and much more lucrative way to earn Canadian Tire Money is by shopping at participating retailers with a Triangle Rewards credit card. There are three Triangle credit cards available: The Triangle™ Mastercard®, the Triangle™ World Elite Mastercard®, and the Triangle™ World Mastercard®. The latter is available by invite only and can’t be applied for.

Canadian Tire Money redemption value

The Canadian Tire Money‘s redemption value is very straightforward. One CT Money dollar is equal to $1 in real money.

How to redeem Canadian Tire money and points

Options to redeem CT Money are much more limited than the options for where you can collect them. You can only redeem by showing proof of your membership online or in person at:

  • Canadian Tire
  • Sport Chek
  • Mark’s & L’Équipeur (CT Money cannot be redeemed online at or LÉ
  • Atmosphere stores (can’t redeem online, only in person)

Redemption is simple because, at participating retailers, Canadian Tire Money works just like real money so you simply redeem it as you would like cash and the amount of Canadian Tire Money will instantly be used towards your purchase.

How to sign up for rewards

Signing up for the Triangle Rewards program is very quick and easy. On the website, click the ‘Join Triangle Now’ button. You’ll fill in a bit of personal information and then receive a membership number that you can use right away to make purchases. You can also sign up directly on the spot at any Canadian Tire store.

The Triangle Rewards app

You can also sign up for the program using the Triangle Rewards app, which is available on both Android and Apple devices. The app also makes it easy to use your membership because you don’t have to worry about memorizing your membership rewards number or carrying around a card and retailers can just scan your app.

Alternative credit cards to maximize your Canadian Tire purchases

If you don’t want a Triangle Rewards branded card there are still ways to get the most out of a shopping excursion to Canadian Tire with one of these cards:

Tangerine Money-Back Credit Card

The no-fee Tangerine Money-Back Credit Card is one of the best no-fee cards in the country. Cardholders get unlimited cash back on two or three categories (if you have your cash back deposited into a Tangerine account). Best of all, you get to pick the categories you want out of a selection of ten. This cash-back powerhouse also comes with nice perks like a balance transfer promotion rate of 1.95% interest for the first 6 months (1% balance transfer fee applies)* and extended warranty protection.

Apply by July 5th, 2023. If you're approved, you’ll earn an extra 10% back on up to $1,000 in everyday purchases made within your first 2 months.*

  • Terms and Conditions apply

Read our Tangerine Money-Back Credit Card review to learn more.

MBNA Rewards Platinum Plus® Mastercard®

It’s not often you can get a no-fee platinum card! The MBNA Rewards Platinum Plus® Mastercard® starts off with a welcome bonus of up to 10,000 MBNA Rewards points†† for those who make at least $500 in purchases (5,000 points††) and who enroll for paperless e-statements (another 5,000 points††) within the first 90 days. During that welcome period you’ll also earn at a special rate of 4 points†† for every $1 you spend on groceries, restaurants, digital media, memberships, and household utilities. After the first 90 days pass, you’ll earn 2 points‡ for every $1 spent on those categories (up to an annual spending cap of $10,000 in each category). All other purchases earn you 1 point‡ per $1. The card also features mobile device insurance***, purchase assurance and extended warranty protection, and a discount on select rental cars.

Read our MBNA Rewards Platinum Plus® Mastercard® review to learn more.

*‡, ††, ✪, **, Terms and Conditions apply

This offer is not available for residents of Quebec. For residents of Quebec, please click here.

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank.

SimplyCash® Preferred Card from American Express

For a $9.99/month (Equals a total fee of $119.88 annually) annual fee, you can earn 4% cash back on eligible gas station purchases in Canada, 4% cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually) and 2% cash back on all other purchases with the SimplyCash® Preferred Card from American Express with no caps on earnings at the base rate. The card also has a super welcome offer. In your first 10 months as a new SimplyCash® Preferred Card from American Express Cardmember, you can earn a $40 statement credit for each monthly billing period in which you spend $750 in purchases on your Card. This could add up to $400 in statement credits in the first 10 months. Conditions apply. Cardholders also enjoy benefits like an impressive selection of travel and shopping insurance, as well as access to events and special offers curated for Cardmembers with American Express® Experiences.

Read our SimplyCash® Preferred Card from American Express review to learn more.

Scotia Momentum® Visa Infinite Card*

The Scotia* Momentum® Visa Infinite* Card is one of Canada’s top-rated premium cash back cards. Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).¹ No annual fee in the first year, including on supplementary cards.¹ Offer ends June 30, 2023. After the welcome rate ends, you’ll earn 4% on grocery store purchases, recurring bill payments, and subscription purchases, 2% on gas and daily transit purchases and 1% on everything else. The card also comes with impressive benefits like a comprehensive insurance package that includes mobile phones, as well as concierge service and more.

Read our Scotia Momentum® Visa Infinite* Card Review to learn more.

¹ Conditions Apply. Visit here for the Scotia Momentum® Visa Infinite Card to learn more.*

Final Thoughts

The Triangle Rewards program is a good program but only if you shop a lot at Canadian Tire or other participating retailers. The Triangle credit cards certainly help boost earnings at Canadian Tire stores and eligible retailers but don’t offer as many rewards as some other credit cards for groceries and other kinds of purchases.

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

About the Author

Sandra MacGregor

Sandra MacGregor

Freelance Contributor

Sandra MacGregor has been writing about finance and travel for nearly a decade. Her work has appeared in a variety of publications like the New York Times, the UK Telegraph, the Washington Post, and the Toronto Star.

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