Find my strategy

Rewards programs

Triangle Rewards (CT Money)

What one Triangle Rewards (CT Money) point is worth and the cards that earn the most.

  • Official values or an announced specialist estimate
  • Ranked by net value, annual fees deducted
  • Data as of November 3, 2026

Official site

Cards that earn these points

Annual spending levels

Each level is a basket of annual spending split across everyday categories. The returns and the ranking are recomputed for that basket.

  • Moderate — $24,000 / year
  • Standard — $36,000 / year
  • High — $60,000 / year

In a personalized analysis, your actual spending replaces this reference basket.

Ranked by annual net value on the standard reference basket ($36,000 of spending a year), annual fees fully deducted.

Rank Card Network Annual fee Annual net value Earning Limitations
1 Triangle World Elite Mastercard Mastercard $0 $472.80 Range: $0 to $472.80
  • Groceries: 3 points / $ (3¢ per dollar)
  • Everyday purchases: 0.8 points / $ (0.8¢ per dollar)
 Foreign exchange fee assumed Cap: Everyday purchases Cap: Groceries
2 Triangle Mastercard Mastercard $0 $346.80 Range: $0 to $346.80
  • Groceries: 1.5 points / $ (1.5¢ per dollar)
  • Everyday purchases: 0.8 points / $ (0.8¢ per dollar)
 Foreign exchange fee assumed Cap: Everyday purchases Cap: Groceries

Return computed with the value used for the ranking: 1.0¢ per point.

Value of one point

More details
Operated by
Canadian Tire Corporation (cards issued by Canadian Tire Bank)
Where the value comes from
Fixed redemption published by the program
Source
Canadian Tire Bank
Verification
Verified on October 31, 2026 Source up to date

“$1 in Canadian Tire Money equals $1 in free stuff”

Restrictions

  • Futello counts CT Money in cents: a card's percentage rate (4 %, 1.5 %, 0.5 %) is that many points of 1 cent per dollar.
  • Redeemable at Canadian Tire, Sport Chek, Mark's and the other participating banners only; never cash.

Programs do not issue the same number of points per dollar: to compare two programs, look at the return per dollar spent, not the value of a point.

Excerpts are quoted in the language of their source.

Where can I go with my Triangle Rewards (CT Money) points?

Browse the routes of the travel catalogue evaluated with Triangle Rewards (CT Money), without ever passing a balance in the address.

Explore destinations with Triangle Rewards (CT Money)

How to use your points

The redemption options the program publishes, with the value of a point when it is fixed.

Verification covers the quoted excerpt. Confirm your eligibility and the conditions with the program before using your points.

  • Other redemption

    Purchases at Canadian Tire banners

    1.0¢ per point

    Excerpt confirmed on the official source. Read on November 1, 2026.

    “$1 in Canadian Tire Money equals $1 in free stuff”

    • Canadian Tire, Sport Chek, Mark's and other participating banners only.
    Official source

Transfer partners

This program publishes no transfer partner.

Expiry and minimum redemption

Point expiry
No published rule is listed.
Minimum redemption
No published rule is listed.

Welcome offers in Triangle Rewards (CT Money) points

No welcome offer is published for the cards of this program.

View all offers

How to read this ranking

The ranking compares the cards of one program on a single scenario, so the gaps come from the cards and not from the assumptions.

  • Reference basket, standard level: $36,000 of spending a year, spread over everyday categories.
  • High-spend profile: ranking calculated on the reference basket.
  • Annual fees fully deducted from the value.
  • Welcome offers excluded: only the recurring value counts.

Your spending is different? See the best cards by use or the strategies by profile.

Limitations of this page

  • Cards are ranked on the standard reference basket of a high-spend profile; your actual spending may change the order.
  • Recurring annual fees are fully deducted from each card’s value.
  • Transfer partners and rates are those read on the official pages; a program may change them without notice.
  • The value of welcome offers is not part of the card ranking.