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Triangle Rewards
Calculate how much Canadian Tire Money you can earn with promotional multipliers and how much you can earn with the Triangle Mastercard.
Last Updated 2022-06-29 By R.Flowers III
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Triangle Rewards is a rewards program offered by Canadian Tire which is a Canadian retail company based out of Toronto, Ontario, Canada.
It's a free rewards program that allows you to collect Canadian Tire Money, also known as CT Money, when making purchases at Canadian Tire stores in Canada. CT Money earned in the Triangle Rewards program can be used at Canadian Tire, Sport Chek, and participating Mark's/L'Equipeur and Atmosphere stores.
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Use the Canadian Money Calculator to calculate how much CT Money you can earn based on spend per dollar, promotional multipliers, and the Triangle Mastercard. Remember that you will only earn on the pre-tax amount so be sure not to include the total cost.
When shopping at Canadian Tire and partners, you'll earn at a base of 0.4% per $1 spent. This means that every $250 you spend, you'll earn $1 back in Canadian Tire Money.
You can earn additional CT Money through promotional multipliers and using a Triangle Mastercard.
During Canadian Tire's promotional multipliers, you'll earn significantly more CT Money. The table below lists out how much you will earn per $1 spent using common promotional multipliers.
| Promotional multiplier | CT Money earned per $1 spent |
|---|---|
| None | 0. 4% |
| 5X | 2% |
| 10X | 4% |
| 15X | 6% |
| 20X | 8% |
| 25X | 10% |
| 30X | 12% |
| 40X | 16% |
| 50X | 20% |
Example: If you were to spend $250 pre-tax at a Canadian Tire store with a 30X multiplier, you would earn 12% back per dollar spent for a total of $30 in CT Money.
You can earn an additional 4% back in CT Money on top of the CT Money you would normally earn when using a Triangle Mastercard to make purchases at Canadian Tire and their partners.
Example: If you were to spend $250 pre-tax at a Canadian Tire store with a 30X multiplier using a Triangle Mastercard, you would earn $40 in CT Money.
Input your monthly and yearly spend into the Triangle Mastercard calculators to find out how much you can earn. Compare the results side by side credit cards from any issuer and see which cards earn you the most rewards.
The Triangle Mastercard earns up to 4% back in CT Money on your purchases and has no income requirements you have to meet in order to apply/qualify for the card. While it is an excellent card for earning CT Money, it features no benefits.
The Triangle™ World Elite Mastercard® has no annual fee but it requires an annual minimum income requirement of $80,000 personal or $150,000 household. It earns CT Money at the exact same rate as the Triangle Mastercard when spending with Canadian Tire and their partners, but you will earn additional CT Money spending everywhere else.
Triangle Rewards members earn 0.4% back in Canadian Tire Money per dollar spent pre-tax. So every $250 spent will earn $1 in Canadian Tire Money.
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The iconic Canadian Tire has been around for nearly 100 years, so it’s safe to say it knows a thing or two about loyalty. Its customers may not have stacks of paper Canadian Tire Money collecting in their junk drawer anymore, but the digital equivalent stored on the Triangle Mastercard is just as rewarding (and easier to keep track of too).
The Triangle Mastercard itself is a basic, no-annual-fee credit card, perfect for cardholders that don’t need all the typical bells and whistles found on premium credit cards.
Cardholders will receive 4% cash back in the form of CT Money on everyday purchases at Canadian Tire and a handful of other participating retailers owned by Canadian Tire Corporation, Limited. The card also earns 1.5% on groceries, $0.5 on fuel and 0.5% back when you shop anywhere else.
Just like the paper Canadian Tire Money, you can stack CT Money with bonus offers to earn even more CT Money on your spending. Cardholders can receive weekly deals and access to bonus events that earn 30 times more per dollar on purchases. Plus, if you still have a few old bills of the physical Canadian Tire Money lying around, you can convert them into digital dollars at any Canadian Tire store.
5% on groceries, $0.5 per litre at select gas stations and 1.5% when you shop everywhere else.If you frequently shop at Canadian Tire or any of the other partners, you can quickly rack up CT Money with this card. You can collect 4% on eligible purchases at Canadian Tire and participating retailers for sporting equipment, home and lifestyle goods, and car rentals. However, the earn rate drops to 0.5% when you shop anywhere other than the approved partner stores.
Every time you fill up at Gas+ and Essence+ pumps, you can earn $0.5 per litre on all fuel types, including diesel. There are no minimums or maximums on the fuel required to qualify for the cash back rate.
Cardholders can also collect 1.5% on groceries up to $12,000 in purchases per year, but it’s important to note that this excludes Costco and Walmart.
The earn rates are decent, but the “cash” you get back is digital CT Money. That means, you can only spend it at the retailers under the Canadian Tire corporate umbrella. You will also only be collecting rewards on pre-tax amounts. Plus, there are plenty of other cash back credit cards that put real money back in your pocket based on the total transaction amount and have higher earn rates, to boot.
Redeeming rewards is relatively straightforward. Simply show your card to a cashier or use your points online at any partner location and watch the price go down. The easiest way to use your rewards is through the Triangle Mastercard App. The app will give you quick access to your rewards total and available bonus offers.
The dollar for dollar redemption value is respectable and the app is handy, but you can only redeem rewards at approved locations that accept CT Money. This puts a cap on what you can buy with your rewards. Another drawback is the cash back earned at Gas+ and Essence+ can’t be redeemed for fuel.
Other credit cards give you real cash back to put towards gas bills, like the American Express Gold Rewards Card.
We did the math for you by calculating what the average Canadian spends every year for each TD Cash Back Visa Infinite cash back category. Forbes Advisor uses data from multiple government agencies in order to determine both baseline income and credit card spending averages across various categories.
Forbes Advisor estimates the total annual credit card spending to be $27,851.70. Of that amount, grocery purchases add up to $7,536, earning $113.04 in CT Money the 1.5% rate. All other spending would earn the 0.5% rate, unless it was at partner stores. So, the $3,360 on gas, coming out to $16.80 in CT Money and the $2,436 in recurring bills ($2,436) would amount to $12.18. Canadians also spend $14,519.70 in other spending categories (like dining, air travel, hotels, online purchases and miscellaneous spending) that could reasonably be charged to a credit card and would earn at the base rate of 0.
5%, earning them. That would amount to just $72.59 in CT Money, earning them a grand total of $214.61 in CT Money per year.
Overall, the Triangle Mastercard doesn’t earn very much considering that there are other credit cards out there that offer more flexible rewards (like cash) and can earn upwards of $500 a year, based on the exact same spending. That said, we didn’t account for purchases made at partner stores, since sporting equipment, workwear and Canadian Tire shopping don’t fall into typical spending categories. But, if you spend a lot at those stores, this card might be well worth the 4% back in CT Money.
Interest Rates
Fees
The Triangle World Mastercard is an invite-only card. Getting an invitation will depend on your membership and spending history. This information is kept under lock and key, just like the application. Like its lower-tier counterpart, there are no annual fees or income requirements. Cash back rewards follow the same structure, with a slight increase in earn rates on fuel that pays $0.5 per litre on premium grades and $0.7 per litre on all other fuel types, but this slight increase might not be worth the invite for everyone.
The Triangle World Elite Mastercard is available to those who meet the income requirements of $80,000 annual earnings or $150,000 household income. Cardholders can still skip the annual fees and earn the same cash back at participating retail stores and gas stations. Rewards are boosted to 3% for grocery stores and 1% on other purchases. Based on the same annual spending calculations, Triangle World Elite Mastercard holders can earn $327.64 annually, compared to the Triangle Mastercard’s $214.60. Plus, they’ll get additional perks like car rental insurance, a 90-day purchase warranty, roadside assistance, and 24/7 concierge services. If you can qualify, the Triangle World Elite beats the regular Triangle Mastercard pretty handily.
The CIBC Costco Mastercard offers 3% cash back (and that’s real cash back) at restaurants and Costco gas stations. Cardholders earn 2% at other gas stations and on Costco.
ca. All other purchases offer 1% cash back wherever Mastercard is accepted. There are no annual fees or limits on cash back rewards. Forbes Advisor estimates CIBC Costco Mastercard holders can earn $422.58 annually with Costco purchases or $367.62 with non-Costco purchases. Both numbers trump the Triangle Mastercard’s annual estimated earnings of $214.60—and it earns cash back you can use anywhere, not just at specific stores.
The CIBC Costco Mastercard also has additional benefits like liability protection, extended warranty, and $1,000 mobile device insurance.
When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With cash back, the scoring model used takes into account factors such as, but not limited to, cash back rates and categories, fees, welcome bonus, and other rewards and features. Keep in mind, what may be best for some people might not be right for you.
Conduct informed research before deciding which cards will best help you achieve your financial goals.
Earning free money—even if it has the Canadian Tire logo—is a great way to get paid for things you already buy. If you frequently shop at Canadian Tire and its partner retailers , the Triangle Mastercard offers rewards with little to no risk. You don’t need to make a certain amount of money to get approved and there are no annual fees to surprise you on the credit card bill. Anyone that plays sports or has an affinity for the outdoors could benefit from getting cash back on the expensive equipment required for an active lifestyle. However, having an additional cash back card with better earn rates will benefit you much more and have way more flexibility when it comes to your everyday spending.
The Triangle Mastercard credit limit is based on your credit score, credit history and payment history with other Canadian Tire credit cards.
You will be notified of the credit limit when your application is approved.
You need to contact support to increase the Triangle Mastercard credit limit. Customer service is available in English and French via chat, phone and email.
The Triangle Mastercard requires a good or excellent credit score but doesn’t list the specific requirements. These scores typically range between 660 and 760, with 900 being a perfect credit score.
Any store that accepts Mastercard will accept the Triangle Mastercard. You will earn more cash back at Canadian Tire stores and participating retailers, grocery stores, and car rental services.
You can use Triangle Mastercard points anywhere that accepts CT Money.
Locations include, but are not limited to, Canadian Tire, SportChek, Mark’s, Pro Hockey Life, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, and participating Sports Experts stores.
The best exchange rate of 1 Canadian dollar (CAD) to dollars (USD) is 0.67
The exchange rate of 1 dollar (USD) to Canadian dollars (CAD) is 1.49
Source:
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1 US dollar in Canadian dollars
900 USD 900 USD I have 1 CAD = 0.60102 USD = 1.4889 USD The currency converter will help you find out the value of 1 Canadian dollars in dollars if you urgently need this information. On our site you can instantly convert Canadian dollars to dollars. Conversion data is presented as of December 20, 2022 at the average bank rate.
Also on the page you can find out how much 1 Canadian dollar costs in dollars on the black market and in Ukrainian banks. This knowledge will help you calculate the cost of the purchase in dollars, find out at what price you can transfer 1 Canadian dollars and simply find out the ratio of the Canadian dollar to the dollar. The page also displays the dynamics of changes in the exchange rate of 1 Canadian dollars in dollars. These charts will help you evaluate the stability of monetary units and manage your funds wisely, taking into account the exchange rate of the NBU and other sources. nine0003
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| Course | 1 CAD in USD | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| December 20, VT | 0.728 | ||||||||||
| 19 | |||||||||||
| USD | 40.2000 | 134.0000 | 0.9687 | 4.7857 | 0.8874 | 26.3607 | 13.4000 | 3.2160 | - | ||
| UAH | 0.0252 | 3.3333 | 0.0241 | 0.1190 | 0.0221 | 0.6557 | 0.3333 | 0.0800 | - | RUB | 0.0113 | 0.4500 | 0.0108 | 0.0536 | 0.0099 | 0.2951 | 0.1500 | 0.0360 | - |
| EUR | 1.0642 | 42.3000 | 141.0000 | 5.0357 | 0.9338 | 27.7377 | 14.1000 | 3.3840 | - | ||
| PLN | 0. 2264 | 30.0000 | 0.2169 | 0.1987 | 5.9 5.9016 | 3.0000 | 0.7200 | - | |||
| GBP | 1.2289 | 48.8500 | 162.8333 | 1.1771 | 5.8155 | 32.0328 | 16.2833 | 3.9080 | - | ||
| CZK | 0.0433 | 1.7225 | 5.7417 | 0.0415 | 0.2051 | 0.0380 | 0.5742 | 0.1378 | - | ||
| CNY | 0.1006 | 4.0000 | 13.3333 | 0.0964 | 0.4762 | 0.0883 | 2.6230 | 0.3200 | - | ||
| BYN | 0.3774 | 15.0000 | 50.0000 | 0.3614 | 1.7857 | 0.3311 | 9.8361 | 5.0000 | - | ||
| KZT | - | - | - | - | - | - | - | - | - | - |
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