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Canadian Tire Triangle Mastercard Review

If you are looking for a credit card that offers great rewards and benefits, the Canadian Tire Triangle Mastercard might be the right choice for you. This popular credit card has gained a lot of attention in recent years, and for good reason. In this Triangle Mastercard Review, we’ll take a closer look at the features and benefits of this credit card so you can decide if it’s the right fit for your lifestyle.

How Does the Triangle Mastercard Work?

Understanding how the Triangle Mastercard works is important before you decide to apply for one. This credit card is accepted at Canadian Tire stores, as well as at other partner retailers, providing you with a convenient way to shop and earn rewards.

With the Triangle Mastercard, you earn rewards on every eligible purchase you make. There are no restrictions on where you can earn rewards, so you can use your card to pay for gas, groceries, and other everyday items. For every dollar you spend, you earn a percentage back in Canadian Tire Money, which can be redeemed at Canadian Tire stores and partner retailers.

The rewards you earn can add up quickly, especially if you use your Triangle Mastercard for all your purchases. With no annual fee, the Triangle Mastercard is a cost-effective way to earn rewards on your everyday spending.

Triangle Mastercard Review

How to Earn and Redeem Rewards

Earning rewards with the Triangle Mastercard is easy. You earn 4% back in Canadian Tire Money on purchases made at Canadian Tire stores, and 5-7 cents per litre in CT Money at Gas+ and participating Husky stations. You also earn 0.8% back in Canadian Tire Money on your everyday purchases made at other retailers who accept Mastercard. Plus, you can earn additional rewards by shopping at partner retailers and taking advantage of special offers and promotions.

Redeeming your rewards is just as simple. You can use your Canadian Tire Money towards purchases at Canadian Tire stores, Gas+ locations, and partner retailers. You can also use your Canadian Tire Money to pay your Triangle Mastercard balance or redeem it for select gift cards and merchandise.

Interest Rates and Fees

It’s important to note that the Triangle Mastercard comes with an annual interest rate of 19.99% for purchases and 22.99% for cash advances. Additionally, there are fees associated with balance transfers, cash advances, over-limit transactions, and foreign currency transactions. To avoid paying interest, it’s recommended that you pay off your balance in full each month.

Now that you understand how the Triangle Mastercard works, you can make an informed decision about whether this credit card is right for you.

Triangle Mastercard Benefits and Features

As a Canadian Tire Triangle Mastercard holder, you can enjoy a range of benefits and features that make your everyday purchases more rewarding. Here are some of the key advantages:

Exclusive Discounts

One of the main benefits of the Triangle Mastercard is the exclusive discounts it offers at Canadian Tire, Mark’s, Sport Chek, and Atmosphere stores. You can save up to 5 cents per liter on fuel at Gas+ locations and up to 7 cents per liter at Husky locations across Canada. You can also earn 4% in Canadian Tire Money on purchases made at Canadian Tire, Sport Chek, and Atmosphere stores, and 5 cents back per litre in Canadian Tire Money on fuel purchases at Gas+ and Husky locations. Plus, as a Triangle Mastercard holder, you can access exclusive promotions and offers throughout the year.

No Annual Fee

The Triangle Mastercard has no annual fee, which means you can enjoy its benefits without worrying about additional costs. This makes it a great option for those looking for a credit card that doesn’t require a yearly fee.

Extended Warranty Protection

The Triangle Mastercard provides an extended warranty on eligible items purchased with the card. Depending on the item, this warranty can extend up to an additional two years beyond the manufacturer’s warranty.

Easy Payment Plan

The Easy Payment Plan allows you to spread your payments over a period of time, making it easier to manage your expenses and avoid high-interest charges. This feature is especially helpful for larger purchases, such as appliances or electronics.

Contactless Payment

The Triangle Mastercard allows you to make payments quickly and securely with contactless payment technology. Simply tap your card on the payment terminal to complete your transaction.

  • Earn up to 5 cents per liter on fuel purchases
  • Exclusive discounts at partner stores
  • No annual fee
  • Extended warranty protection
  • Easy Payment Plan
  • Contactless payment technology

The Triangle Mastercard offers a range of benefits and features that make it a great option for Canadian consumers. With its exclusive discounts, no annual fee, and extended warranty protection, it provides a convenient and affordable way to earn rewards on everyday purchases.

Triangle Mastercard Rewards Program

The Triangle Mastercard rewards program offers a wide range of benefits and rewards to Canadian consumers. With this program, you can earn 4% back in Canadian Tire Money at Canadian Tire, Sport Chek, and participating Mark’s/L’Equipeur stores, as well as 5¢ per liter in Gas Advantage® rewards at Canadian Tire Gas Bars and participating Husky stations. Additionally, you can earn 1% on all other purchases made with the Triangle Mastercard.

Redeeming rewards is also incredibly easy. You can redeem rewards at participating stores in-store or online, and there is no minimum redemption amount. Plus, you can even use your Canadian Tire Money to pay your Triangle Mastercard balance, giving you even more flexibility and convenience.

The Canadian Tire rewards program also offers exclusive access to events and experiences, as well as member-only discounts and personalized offers. With the Triangle Mastercard, you can even earn bonus rewards during special promotional periods, so be sure to keep an eye out for these opportunities.

Triangle Mastercard Interest Rates and Fees

The Triangle Mastercard is a great option for Canadian consumers looking to earn rewards on their everyday spending. However, it’s important to understand the interest rates and fees associated with the card to avoid any surprises. Here is what you need to know:

Interest Rates

The annual interest rate for purchases and balance transfers with the Triangle Mastercard is 19.99%. This rate is higher for cash advances, at 22.99%. It’s important to pay off your balance in full each month to avoid paying interest charges.

Fees

  • The Triangle Mastercard has no annual fee.
  • Cash advance fees are 1% of the transaction amount, with a minimum fee of $7.50.
  • Foreign transaction fees are 2.5% of the transaction amount.
  • Late payment fees are up to $39.
  • Returned payment fees are up to $25.

It’s important to note that some fees may vary depending on the specific Triangle Mastercard product you have. Be sure to review the terms and conditions of your card carefully.

Understanding the interest rates and fees associated with the Triangle Mastercard can help you make informed decisions when using the card. Always aim to pay off your balance in full each month to avoid paying interest charges, and be aware of any applicable fees to ensure you don’t get hit with any unexpected charges.

Triangle Mastercard Application Process

If you’re a Canadian citizen looking to apply for a Triangle Mastercard, the process is straightforward and can be completed either online or in-store. To begin, you’ll need to meet the eligibility requirements which include being of legal age in your province or territory and having a valid Canadian address and credit history. Before submitting your application, ensure you have the following documentation:

  • Proof of income
  • Government-issued photo ID
  • Proof of Canadian address

Once you have all the necessary documentation, you can submit your application through the Canadian Tire website. The application process typically takes less than 10 minutes and involves filling out some personal information and answering some questions about your income, housing situation, and employment status. 

If you prefer to apply in person, you can visit any Canadian Tire store or Canadian Tire Gas+ location to complete the process. Make sure to bring all the necessary documentation with you. One advantage of applying in-store is that you can receive an instant decision on your application and start using your card right away if approved.

After submitting your application, you can monitor the status of your application online or via phone. Once approved, you’ll receive your Triangle Mastercard in the mail within 7 to 10 business days. 

Triangle Mastercard Tips and Tricks

As a Canadian Tire Triangle Mastercard holder, there are several tips and tricks you can use to make the most of your card and maximize your rewards. Here are some suggestions:

Use Your Triangle Mastercard for Everyday Purchases

Earn rewards faster by using your Triangle Mastercard for all of your everyday purchases, such as groceries, gas, and bills. The more you use your card, the more rewards you’ll accumulate and the faster you’ll reach your redemption goals.

Take Advantage of Promotional Offers

Check your Triangle Mastercard account regularly for promotional offers, which can include bonus reward points for specific purchases or spending thresholds. Take advantage of these offers to boost your rewards balance and reach your redemption goals faster.

Redeem Your Rewards Strategically

When it comes to redeeming your Triangle Mastercard rewards, it’s important to do so strategically. For example, consider redeeming your rewards during special events or sales at Canadian Tire stores to get even more value for your points. Additionally, redeeming your rewards for travel or merchandise can often offer higher value than cashback redemptions.

Check Your Account Frequently

Regularly checking your Triangle Mastercard account can help you stay on top of your rewards balance, manage your spending, and keep an eye out for promotional offers. You can check your account balance and transactions online or through the Triangle app.

Pay Your Balance in Full and On Time

Paying your Triangle Mastercard balance in full and on time each month can help you avoid interest charges and late fees, which can quickly add up and cancel out any rewards you earn. Set up automatic payments or reminders to ensure you never miss a payment.

By following these tips and tricks, you can make the most of your Canadian Tire Triangle Mastercard and earn rewards faster than ever before!

Triangle Mastercard Customer Support

As a Triangle Mastercard holder, you have access to a range of customer support resources to help you make the most of your card. Whether you have a question about your account, need assistance with a transaction, or require technical support, the Canadian Tire customer service team is here to help.

Contact Information

If you need to get in touch with customer support, there are a few different options available:

The customer service team operates seven days a week, from 8 a.m. to 9 p.m. EST.

Online Assistance

In addition to contacting customer support directly, you can also access a range of helpful resources online. The Canadian Tire website features a comprehensive FAQ section, where you can find answers to common questions about your Triangle Mastercard account.

You can also manage your account online, allowing you to track your rewards, pay your bill, and update your personal information. Simply log in to your account on the Canadian Tire website or through the Triangle app to get started.

Overall, the customer support resources available to Triangle Mastercard holders are comprehensive and user-friendly. Whether you prefer to call, email, or chat online, you can rest assured that the Canadian Tire team is here to help you with any questions or concerns you may have.

Triangle Mastercard Review

Triangle Mastercard Security Features

When it comes to credit cards, security is a top concern for many Canadians. Fortunately, the Triangle Mastercard offers several features to help protect your personal information and prevent fraudulent activity on your account.

Fraud Protection

The Triangle Mastercard comes with comprehensive fraud protection that monitors your account for suspicious activity. If any unauthorized charges are detected, the card issuer will notify you immediately and take steps to resolve the issue. Plus, you will not be held responsible for any fraudulent charges made to your account.

Zero Liability Coverage

The Triangle Mastercard also comes with zero liability coverage, meaning that you will not be held accountable for any fraudulent charges made on your account. This provides added peace of mind and ensures that you are not responsible for any unauthorized purchases or transactions.

Identity Theft Assistance

If you suspect that your personal information has been compromised, the Triangle Mastercard offers identity theft assistance to help you resolve the issue. The card issuer will work with you to mitigate any damage done and restore your identity as quickly as possible.

Secure Online Shopping

The Triangle Mastercard also offers secure online shopping features to protect your information when making purchases over the Internet. These include encryption technology and secure login procedures to prevent unauthorized access to your account.

Chip Technology

The Triangle Mastercard also comes with chip technology, which provides added security when making purchases in stores. This technology helps prevent card skimming and ensures that your information is kept safe and secure.

Overall, the Triangle Mastercard offers several security features to protect your personal information and prevent fraudulent activity on your account. Whether you’re shopping online or in-store, you can feel confident that your information is safe and secure with the Triangle Mastercard.

FAQs

What is the Triangle Mastercard?

The Triangle Mastercard is a credit card offered by Canadian Tire, which allows cardholders to earn rewards on their purchases and enjoy various benefits and features.

How does the Triangle Mastercard work?

The Triangle Mastercard works by earning rewards on eligible purchases, which can be redeemed for Canadian Tire Money, and by providing exclusive discounts and benefits to cardholders.

What are the benefits and features of the Triangle Mastercard?

The Triangle Mastercard offers benefits such as no annual fee, extended warranty protection, and exclusive discounts at Canadian Tire, Sport Chek, and participating Mark’s/L’Equipeur locations.

How does the Triangle Mastercard rewards program work?

The Triangle Mastercard rewards program allows cardholders to earn Canadian Tire Money on eligible purchases, which can be redeemed at Canadian Tire, Sport Chek, and participating Mark’s/L’Equipeur locations.

What are the interest rates and fees associated with the Triangle Mastercard?

The Triangle Mastercard has an annual interest rate of [insert rate], and fees for cash advances and foreign transactions. Please refer to the card’s terms and conditions for specific details.

How do I apply for a Triangle Mastercard?

To apply for a Triangle Mastercard, you can visit the official Canadian Tire website or visit a Canadian Tire store to complete the application process. You will need to meet the eligibility requirements and provide the necessary documentation.

What are some tips and tricks for using the Triangle Mastercard?

A: Some tips and tricks for maximizing the benefits of the Triangle Mastercard include strategically using it for everyday purchases, taking advantage of promotional offers, and regularly checking for exclusive discounts and deals.

What customer support resources are available for Triangle Mastercard holders?

Triangle Mastercard holders can access customer support through various channels, including phone support, online assistance, and the Canadian Tire website for frequently asked questions and self-service options.

What security features does the Triangle Mastercard have?

The Triangle Mastercard has security features in place to protect cardholders, such as fraud protection and measures to prevent identity theft. Canadian Tire prioritizes the safety and security of its customers’ information.

Final Words 

In conclusion, the Canadian Tire Triangle Mastercard is an excellent credit card option for Canadian consumers. With its extensive rewards program that allows customers to earn rewards on every purchase, exclusive discounts, and no annual fee, the Triangle Mastercard offers exceptional value.

Furthermore, the Triangle Mastercard provides several security features to protect users from fraud and identity theft. Customers can also take advantage of the excellent customer support resources available, whether it’s through online assistance or contacting the customer service team for help.

4 thoughts on “Canadian Tire Triangle Mastercard Review”

  1. This card has been the worst possible experience ever. I applied for this card for two reasons:

    1) I had bad credit from mistakes i made 4-6 years ago and the approval was easy
    2) I make purchases from a site that is blocked by visa and not mastercard

    I got approved for a measley $300 which I actually dont blame them for as my credit score was horrid, but I was told if i dont miss payments for 6 months I can get a credit limit increase which I still think is a fair way for them to conduct their business. Immediately with in the first 3 weeks of having the card, it kept getting declined and blocked basically every other transaction…that is not an exaggeration. I constantly had to call them to get the blocks removed but they said it was a security measure because it was a new card.

    I then find out I am being charged a $4 cash advance fee everytime i make purchases from the site that i specifically got the card for and because my limit is so low I have to make multiple purchases a month instead of just one (this becomes a massive problem). 6 months later I ask for a limit increase seeing as in how much I make in payments a month and how much I use the card combined with my on time payments i figure this shouldnt be a problem as this was what i was told. They decline to raise my limit thought and I now understand why.

    Keep in Mind that I have a $300 limit on this card…. Since Decmeber 2019 i have paid $780 in cash advance fees in multiples of $4 at a time mind you. I have made $15147.97 in payments and used the card for $15376.91 in purchases…again i have a $300 limit on this card. Why would they raise my limit when they can rake in the cash advance fees.

    My credit score has increased by 140 points, I have been employed at the same place for 5 years and have a good income. I recently called them to ask that they remove my ability to have cash advances on my card and I was told they can’t do that…I then asked why i was given the option when i originally got the card and they fumble with words obviously and have no real explanation. I then ask to have my account frozen and they said they’ll place a hold on my card but I can remove it anytime I want.

    I have no need for this card anymore as I have a Visa that works fine for everything else I do and recently got a prepaid mastercard that charges me $8 a month and I can use it anywhere my heart desires. The customer service experience has been horrific in almost every conversation I have had with them. It’s quite obvious that I am using the card then instantly paying it off and using it and paying it off again and maybe they are upset that they don’t get to collect the interest they want? Either way DO NOT get involved with them, I understand some of you may need this card to help build credit, but you are way better off getting a secured credit card from whoever you bank with or one of the million other options out there.

    For those of you that may think this card is the reason my credit score has increased, you are way off base. The miniscule credit limit has helped my credit report in no way. Anyways this is my experience after a year with them and just going through my statements.

    Reply
  2. Worst card ever, they send use it or lose it letters and reduce ;iomits when you depend on them most, no a financial partner but liability on credit score too.

    STAY AWAY, Run don’lt walk. I even boycot the store now. they stink.

    Reply

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