Finding a credit card that seamlessly blends exceptional rewards with zero annual fees can feel like striking gold. The Triangle™ World Elite Mastercard® stands out in this regard, offering robust benefits tailored to elevate everyday spending while keeping costs low.

From exclusive rewards on your favorite purchases to unparalleled member perks, this card is designed for individuals seeking value, flexibility, and unique privileges. Dive in to discover why this could be your perfect financial companion.

Key information about the credit card

How does the annual fee work?

The Triangle™ World Elite Mastercard® comes with a standout feature: no annual fee. For cardholders, this means reaping a wealth of benefits without the financial strain of yearly dues. It’s a vital consideration for those who want to maximize rewards while minimizing costs.

Having no annual fee makes this card highly accessible, appealing to individuals aiming to save on credit card expenses while still enjoying exclusive benefits. With this card, every dollar saved on fees can be reinvested into more meaningful purchases or experiences.

How is the credit limit determined?

The credit limit for the Triangle™ World Elite Mastercard® is carefully assessed based on a variety of factors. These include the applicant’s creditworthiness, annual income, and existing financial obligations. By evaluating these parameters, the card issuer ensures a credit limit tailored to each individual’s financial profile.

For conventional cards like this one, the issuer decides the limit based on a detailed analysis of the applicant’s financial stability. While the cardholder doesn’t directly control this figure, the issuer aims to provide a credit limit that aligns with the user’s capacity and spending patterns.

Advantages of the credit card

• Earn CT Money on everyday purchases: Get 4% back at popular stores like Canadian Tire, Sport Chek, and others, making shopping highly rewarding.
• Enhanced grocery rewards: Earn 3% on grocery purchases (up to $12,000 annually), ensuring everyday essentials contribute significantly to your rewards.
• Fuel savings: Collect 7¢ per litre on premium fuel and 5¢ on other fuel types at Gas+ and Petro-Canada locations, directly reducing your fuel expenses.
• Universal rewards: Earn 1% back on all other purchases, ensuring consistent value on diverse spending.
• Exclusive perks: Access Roadside Assistance Gold Plan, 90-day purchase security insurance, and a car rental collision/loss damage waiver, adding peace of mind to your travels and purchases.
• Personalized concierge services: Enjoy 24/7 support for booking tickets, reservations, or event planning.

Standout advantage

What truly sets the Triangle™ World Elite Mastercard® apart is its robust rewards structure. The ability to earn CT Money on nearly all purchases, combined with the ease of redeeming it across a variety of stores, makes this card exceptional. With every dollar earned translating into free products, the card transforms daily spending into meaningful rewards, creating unmatched value for its users.

Disadvantages

• Income requirement: A high minimum annual income ($80,000 individual or $150,000 household) limits eligibility.
• Limited grocery rewards: The 3% grocery reward caps out at $12,000 annually, potentially restricting high spenders.
• Fuel savings exclusivity: Fuel rewards are confined to specific locations like Gas+ and Petro-Canada, limiting flexibility.
• Online-only application: Currently, applications must be submitted online, which may not suit all users.

A standout disadvantage

The primary drawback of the Triangle™ World Elite Mastercard® is its high income eligibility threshold. Requiring an individual income of $80,000 or a household income of $150,000, the card excludes a significant portion of potential users. This restriction, while ensuring exclusivity, limits accessibility for those who may benefit most from its features.

Who can apply for this card?

The Triangle™ World Elite Mastercard® is available to individuals meeting several criteria. Applicants must be at least 18 years old, possess a valid Social Insurance Number (SIN), and have a strong credit history with no recent bankruptcies or defaults. Additionally, the card mandates a minimum annual income of $80,000 for individuals or $150,000 for households.

This card is not designed for individuals with poor credit or those seeking guaranteed approval. Instead, it caters to financially stable applicants with the required income level and a proven ability to manage credit responsibly. Documentation, including proof of income, may be necessary during the application process.

How to apply for the Triangle™ World Elite Mastercard®

Applying for the Triangle™ World Elite Mastercard® is a straightforward process. The application can be completed through the website, the Triangle mobile app, or a participating store. Each method offers unique conveniences, catering to diverse user preferences.

For the website

To apply online for the Triangle™ World Elite Mastercard®, begin by visiting the official webpage. Once there, click on the prominently displayed “Apply Now” button to access the application form. This form will require you to provide essential information, such as your personal details, employment history, and financial data. Be thorough and accurate to ensure a smooth process.

After completing the form, take a moment to carefully review all the details before submitting your application. Upon submission, you will typically receive a confirmation email outlining the next steps and any additional requirements. Most applicants can expect to receive an update on their application status within a few days. To prevent delays, ensure all requested documents—such as proof of income, identification, and any other supporting materials—are uploaded promptly and in the correct format.

Through the app

The Triangle app offers an equally convenient way to apply. Download the app from the App Store or Google Play and create an account if you haven’t already. Navigate to the credit card section, select the Triangle™ World Elite Mastercard®, and follow the step-by-step application process. The app allows users to track their application in real-time and provides notifications for any additional requirements. It’s a seamless option for those comfortable with digital platforms.

At the branch

For a more personal experience, visit a participating Canadian Tire store or branch. Approach the customer service desk and request assistance with the credit card application. A representative will guide you through the process, helping you fill out forms and submit necessary documents. This method is ideal for individuals who prefer face-to-face interaction or need guidance during the application. Be prepared with identification and proof of income to expedite the process.