Canadian Tire

How to make the most of the Canadian Tire Triangle Rewards Program

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Fact Checked: Amy Tokic


Updated: April 01, 2024

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Who doesn’t have Canadian Tire money thrown somewhere in their car or sitting on a shelf at home? Well, even for those of us who took those fake Canadian Tire bills for granted, the store’s rewards program is worth paying attention to. Here’s what you need to know about the Canadian Tire Triangle Rewards Program.

Basics Triangle Rewards Program
How to sign up for rewards Sign up on the website, in person at Canadian Tire or by using the Triangle Rewards app
How to earn rewards Use a Triangle Rewards Mastercard and/or shop at Canadian Tire and participating retail partners
Triangle Rewards earn rate Earn .04% back (pre-tax amount) in Canadian Tire Money at all participating retailers; earn 3 cents per litre in Canadian Tire Money at Gas+
Triangle Rewards redemption rate $1 in Canadian Tire Money = $1 in free stuff

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
  • Petro Canada
  • Sport Chek
  • Atmosphere
  • Sports Rousseau (no collecting online only in person)
  • Party City
  • Hockey Experts
  • 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 licenses, 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 earn rate

The earn rate for all participating retailers is 0.4% back in Canadian Tire Money on pre-tax purchases for all eligible purchases. The only exception is at Gas+ where members earn $0.03 in Canadian Tire Money per litre when they pay with cash or debit. Of course, you can really accelerate these earn rates when you shop with a Triangle credit card.

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

You can redeem your CT Money in-store at:

  • Canadian Tire
  • SportChek
  • Party City
  • Mark’s & L’Équipeur
  • Atmosphere
  • Pro Hockey Life 
  • Sports Rousseau
  • Hockey Experts
  • L'Entrepôt du Hockey
  • Participating Sports Experts stores
  • Online at select stores on

You will be advised if online redemption is possible for your selected store during checkout.

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

2% Earn 2% cash back on 2 categories of your choice (e.g. groceries, recurring bills, gas, drug stores, etc.)

3 Get a Tangerine Savings account and add a 3rd 2% cash back category.

0.5% Earn 0.50% on all your other everyday purchases.

$0 Annual Fee $0 for additional cardholders

19.95% Purchase APR

19.95% Cash Advance APR $3.50 within Canada, $5.00 outside Canada

1.95% Balance Transfer Rate 1.95% interest for first 6 months, 19.95% after that.

3.00% Balance Transfer Fee 3.00% of the amount transferred, or minimum of $5.00

2.50% Foreign Transaction Fee

Fair Recommended Credit Score

$12,000 Required Annual Personal Income

Welcome Offer Ends Apr 30, 2024

Get 10% cash back on up to $1,000 in everyday purchases made within 2 months. Pay only 1.95% balance transfer interest for the first 6 months.

Learn more

The no-fee Tangerine Money-Back Credit Card is one of the best no-fee cards in the country. Cardholders get 2% cash back on two categories (you get to pick the categories you want out of a selection of 10). This cash-back powerhouse also comes with nice perks like a balance transfer promotion rate of 1.95% interest for the first six months (1% balance transfer fee applies)* and extended warranty protection.

Terms and Conditions apply

MBNA Rewards Platinum Plus Mastercard

10,000 Get up to 10,000 MBNA Rewards points†† as an introductory bonus (see details below)

$0 Annual Fee

19.99% Purchase APR

24.99% Cash Advance APR

22.99% Balance Transfer Rate

Good Recommended Credit Score

Welcome Offer

Earn 4 points per $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $10,000 is spent annually. You could also receive up to 10,000 bonus points.

Learn more

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.

*‡, ††, ✪, **, 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

4% Earn 4% cash back on gas in Canada.

4% Earn 4% cash back on grocery purchases in Canada, up to $1,200 cash back per year.

2% Earn 2% cash back on everything else with no limit.

$119.88 Annual Fee $9.99 per month. Additional cards are free.

20.99% Purchase APR

21.99% Cash Advance APR

Excellent Recommended Credit Score

Welcome Offer

Welcome Bonus of up to $400 in Statement Credits

Learn more

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.

Scotia Momentum Visa Infinite Card

4% For every $1 you spend on grocery store purchases, recurring bill payments and subscription purchases

2% For every $1 you spend on gas and daily transit purchases

1% Cash back on all other purchases with no cash back limit

$120 Annual Fee $50 per supplementary card

20.99% Purchase APR

22.99% Cash Advance APR

22.99% Balance Transfer Rate

2.50% Foreign Transaction Fee

Excellent Recommended Credit Score

$60,000 Required Annual Personal Income

$100,000 Required Annual Household Income

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 three months (up to $2,000 in total purchases).¹ No annual fee in the first year, including on supplementary cards.¹ October 31, 2024. 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.

¹ Conditions Apply. 

Final thoughts

The Triangle Rewards program is a good program but only if you frequently shop 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 our 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. She spends her free time travelling, and has lived around the globe, including in Paris, South Korea and Cape Town.


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