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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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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.
In This Article:
| 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 |
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.
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):
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.
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.
The Canadian Tire Money‘s redemption value is very straightforward. One CT Money dollar is equal to $1 in real money.
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:
com or LÉquipeur.com)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.
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.
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.
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:
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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.
*Terms and Conditions apply
Read our Tangerine Money-Back Credit Card review to learn more.
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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.
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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 Terms and 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.
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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 April 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.
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.
Total Articles: 68
Total Articles: 68
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, Forbes.
com and the Toronto Star. She spends her free time travelling, and has lived around the globe, including in Paris, South Korea and Cape Town. You can follow her on Twitter at @MacgregorWrites.
Read more from this author
Canadian Tire Money is Canadian Tire's loyalty program. It consists of company-issued coupons that look like real currency (although the coupons are much smaller than those of the Bank of Canada) and can be used as fiat currency in Canadian Tire stores, but are not considered private currency. .
The banknotes are printed on paper that looks like real Canadian currency and are produced jointly by two of the country's long-established printers: the British American Banknote Company (BABN) and the Canadian Bank Note Company (CBN).
In fact, some private companies (in Canada) accept cash as a form of payment because many owners of these companies buy from Canadian tires. Canadian Tire money also accumulates on MasterCard and Visa Option credit cards. per month , a dollar coin was launched, its use is similar to coupons.
In April 2018, Canadian Tire announced the transition to a Triangle Rewards card-based rewards program. However, consumers who do not have a card will continue to earn Canadian Tire fiat money.
A recognizable facet of the CTM is the person depicted on the face of each banknote. According to representatives of Canadian Tire , the fictional character depicted is named Sandy McTire and wears a tom-tom and a stylized waxed moustache. It is not based on any particular person, but we assume that it represents a Scottish worker, a typical 1950 blue collar person in Canada.
It was introduced in 1958 and was inspired by Muriel Billes, wife of the co-founder and first president of Canadian Tire , Alfred J.
Billes (in), in response to promotional gifts that many oil companies were offering at the time. She was only available in gas at Canadian Tire bars, but was so successful that it was extended to retail stores in 1961, becoming the most successful loyalty program in Canadian retail history.
Canadian Tire Money is allocated to cash or debit purchases on a pre-tax basis, excluding labor and supplies. The original coupon rate was 5% of the qualifying purchase price, but this was reduced to 3%, then to 1.4%, and is now 0.4%. Customers can use Canadian Tire Money for in-store purchases. Older coupons indicate they can be redeemed at Canadian Tire stores and gas stations; however, coupons issued within at least the past fifteen years do not bear this mark and can therefore only be redeemed in stores.
In Ontario, retail sales tax law and bulletins state that "the coupon must be returned to the franchisee." By sending them to other traders, they were effectively violating Ontario law by not including the discount in the taxable value of the property.
Some sellers accepted money Canadian Tire as a rebate but did not calculate or remit sales taxes as required by law and were later fined for this practice; this is a recurring problem.
In 2012, Canadian Tire launched a pilot program to make their money "plastic" to make it a more manageable and easy to use loyalty program.
Five different denominations were issued in 1958 (5 cents, 10 cents, 25 cents, 50 cents and $1). Revision 1962 years included the introduction of four lower values (from 1 to 4 cents) and twelve upper values, including 35 and 60 cents. In 1985, a series of six denominations was introduced, including 3 cents, 5 cents, 10 cents, 25 cents, 40 cents, 50 cents, and $1 . The $2 note was added in 1989 and the 3 cents was discontinued in 1991.
Canadian Tire can also be earned electronically on credit cards Canadian Tire, such as Canadian Tire Options MasterCard .
The latter can be used wherever MasterCard is accepted and money is made Canadian Tire wherever it is used to make purchases, anywhere in the world. MC is treated as real currency by the franchise and cannot be directly exchanged for real Canadian currency for customers. If an item purchased with Canadian Tire, money is returned, the customer will receive either Canadian Tire money or the amount shown on the gift card. If an item is purchased with cash or by card and is returned for a refund, the buyer will receive a refund minus the cost of the CTM issued for the item, unless the CTM is also returned.
At As part of the announced deal , Canadian Tire distributed the first coin Canadian Tire , which can be redeemed for the purchase of at least $40 worth of goods. Another similar operation followed in 2010, coinciding with the 2010 Winter Olympics, with a three-piece winter collection.
Coins can be spent in the same way as for a classic Community Trademark.
notescollector.eu (accessed 9 July 2020) 
coinsandcanada.com (Accessed 9 July 2020) 
ca " at Money City, (accessed July 9, 2020) 
com, (accessed July 9, 2020) | Coins | One Hundred Five Hundred Ten Cents Twenty-five Cents Fifty Cents Dollar Two Dollars Coronation Room |
|---|---|
| Commemorative coins | Mint Royal Canadian Mint Numismatic Coins (2000s) Royal Canadian Mint Hockey Coins Royal Canadian Mint Olympic Angles Royal Canadian Mint RCMP Angles Gold Maple Leaf Silver Maple Leaf Platinum Maple Leaf Ottawa Mint Sovereigns Voyageur Dollar Canadiens Centennial (2009) |
| Banknotes | $5 $10 $20 $50 $100 $ Tickets are withdrawn |
| Series | Series 1935 Series 1937 Series 1954 Scenes from Canada Birds of Canada Travel Canada Frontiers |
| Historical currencies | Book of New France Canadian Pound Book of New Brunswick Book of Newfoundland Newfoundland Dollar Book of Nova Scotia Book of Prince Edward Island British Columbia Dollar New Brunswick Dollar Scottish Dollar Prince Edward Island Dollar Early Canadian banking system |
| Newfoundland dollar | Details 1 ¢ 5 ¢ 10 ¢ 20 ¢ 25 ¢ 50 ¢ |
| Organizations and institutions | Bank of Canada Canadian Bank Note Company Royal Numismatic Association of Canada Medals and awards of the Canadian Numismatic Association Canadian Paper Money Society Bank of Canada Currency Museum Royal Canadian Mint |
| Community Currencies | Half Gaspe · Calgary dollars · Toronto dollar · Canadian Tire money · Saltspring dollar · Pioneer Bonus Bucks · RON money |
| Other | Canadian dollar · History of the Canadian currency · List of people who use the currency of Canada · List of foreign countries that minted coins at the Royal Canadian Mint · Tokens and medallions of the Royal Canadian Mint |
Sum
1000 EUR
is converted to
1352.84 CAD
9014
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