Triangle World Elite Mastercard
No annual fee · 1x on everything else · 2.5% foreign transaction fee
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Groceries | 3x | on the first C$12,000/year |
| Everything else | 1x | uncapped |
See more Canada credit cards →
Non-cash perks
- No annual fee
- Roadside assistance option
- Triangle retail cobrand ecosystem
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:
- Anyone who spends abroad. Every purchase in a foreign currency carries a 2.5% foreign transaction fee. On a card earning 1.0¢ per dollar at the base rate, that fee costs more than the rewards on the same purchase.
- A heavy groceries spender. The 3x on groceries stops after C$12,000 of it per year. Past that the same purchases earn its base 1x, so the headline rate describes the first C$12,000 only.
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-15 against issuer terms · sources: triangle.canadiantire.ca · triangle.canadiantire.ca. Spot an error? Tell us.