Canadian Tire Triangle Mastercard (CT Money Calculator)

Canadian Tire Money Calculator for the Triangle Mastercard. Calculate total cash back and card value based on spend and compare to top cards.
Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

The Canadian Tire Triangle Mastercard earns 4% back at Canadian Tire Stores (pre-tax) and 1.5% back on grocery purchases. Benefits of the card include a bonus earning of 5 cent per litre in Canadian Tire Money at Gas+ and participating Husky stations and the ability the finance purchase made at Canadian Tire stores and their partners. Overall, the Canadian Tire Triangle Mastercard is a great option if you frequently shop at Canadian Tire Stores.

Rewards Rate Details

The Canadian Tire Triangle Mastercard features two bonus categories that will earn you bonus Canadian Tire Money. Those categories are Canadian Tire Stores and grocery. The grocery category is capped at $12,000 per year in which you'll earn at the non-category rate (0.5%) for the remainder of the year once this cap is hit. There's no limit to the amount of Canadian Tire Money you can earn with the card overall.

  • 4% Canadian Tire Stores
    • You'll earn 4% back when shopping at the following stores:
      • Canadian Tire
      • Sport Chek
      • Mark’s/L’Équipeur
      • Atmosphere
      • Sports Rousseau
      • Hockey Experts
      • L’Entrepôt du Hockey
      • (Participating) Sports Experts Stores
    • Do note that you will only earn 4% back on the pre-tax of your Canadian Tire Store purchase meaning you will earn slightly less than 4% overall.
  • 1.5% Grocery
    • This excludes Costco and Walmart.
  • 0.5% Everything Else

Perks & Benefits

The Triangle Mastercard offers bonus Canadian Tire Money on gas spend at select gas stations and no-fee, no-interest financing on purchases at Canadian Tire Stores and partners.

  • Earn 5¢ Per Litre
    • Earn 5 cent per litre in Canadian Tire Money at Gas+ and participating Husky stations.
  • Finance Purchases
    • Receive no-fee, no-interest financing on qualifying purchases of $150 or more at Canadian Tire Stores and their partners (the same stores in the 4% category).

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

Credit Card

This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card
FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The fee to add authorized users (supplementary cards).
$ 0
SUB Sign Up Bonus
If the card has a sign up bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here

Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
Card 1
Card 2

Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
Card 1
Card 2

Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Change Order
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Card 1
Card 2

Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Sign Up Bonuses (SUB) under the Credit Card section.
Card 1
Card 2


This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
Card 1
Card 2

Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
Card 1
Card 2

Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
Card 1
Card 2

Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
Card 1
Card 2
Updated 2020-10-20 By Robert Flowers III

Support The Site

If you find the site helpful, the best you can do is share this site with friends and family. Of course... you can share it with total strangers as well. Anything helps!

You can also help support this site by signing up for Rakuten Rewards. Rakuten allows you to earn additional cash back when making purchases online. You can also earn some bonus cash back on your first purchases when you sign up.

🇺🇸 US🇨🇦 CA🇬🇧 UK🇦🇺 AU