What is a loyalty program?

A loyalty program is a rewards system offered by businesses to encourage repeat purchases. Members earn points, miles, or credits that can be redeemed for rewards.

How do I choose the best loyalty program in Canada?

Consider your spending habits, program partners, redemption options, fees, and ease of use. The best programs offer high value for your everyday purchases.

Do loyalty program points expire?

It depends on the program. Some like PC Optimum never expire as long as the account is active, while others like Aeroplan expire after 18 months of inactivity.

Can I combine multiple loyalty programs?

Yes! You can be a member of multiple programs simultaneously. Many Canadians use a combination of programs to maximize their rewards.

Triangle Rewards

Canadian Tire's popular retail loyalty program. Earn Canadian Tire Money (CT Money) on everyday purchases at Canadian Tire, Sport Chek, Mark's, Party City, and Gas+ or Essence+ locations. With no confusing points system ($1 CT Money = $1 CAD), it's straightforward and rewarding for sports gear, automotive, and household essentials.

Point Value

$1 CT Money = $1 CAD (fixed value).

Sign-up Bonus

Frequent welcome offers with the Triangle Mastercard.

How It Works

Sign up for free via the Triangle app or in-store.
Earn 0.4% back in CT Money on most purchases at partner stores without a Triangle credit card.
Earn 4% back when using a Triangle Mastercard at partner stores.
Collect 5¢–7¢ per litre back in CT Money at Gas+ or Husky stations.
Redeem CT Money instantly at checkout ($1 CT Money = $1 discount).

Benefits

Extremely simple: CT Money equals real dollars.
No minimum redemption amount.
Stackable personal bonus multiplier offers in the app.
Earn CT Money on Canadian Tire auto service.
Strong earning potential on household and sporting goods.

✅ Pros

•No confusing point conversions ($1 CT Money = $1 CAD off).
•Can redeem ANY amount — no need to reach a 10,000 point threshold.
•Excellent co-branded credit cards with no annual fee (Triangle Mastercard).
•App offers personalized weekly bonuses that stack with regular earning.
•Great coverage for families needing sports gear (Sport Chek) or workwear (Mark's).

❌ Cons

•Base earn rate without a Triangle Mastercard is very low (0.4%).
•CT Money can only be spent at partner stores, not on travel or groceries.
•Requires checking the app and activating offers to earn meaningful rewards.
•Customer service for missing points can sometimes be frustrating.

Best Redemptions

Big-ticket household items at Canadian Tire (appliances, outdoor gear).
Replacing kids' sports equipment or winter gear at Sport Chek.
Auto repairs or new tires at Canadian Tire Service Centres.
Work boots and apparel at Mark's.
Stocking up on party supplies at Party City.

Who It's Best For

🛠️ DIYers and homeowners who frequent Canadian Tire.
🏒 Parents constantly buying sports gear at Sport Chek for growing kids.
⛽ Drivers who regularly fill up at Gas+ or Husky.
💳 Anyone looking for a solid no-annual-fee store-affiliated credit card.

Frequently Asked Questions

How much is Canadian Tire Money worth?

The value is 1:1 with CAD. $1 in CT Money gives you $1 off your purchase. It is the easiest loyalty currency to understand in Canada.

Can I redeem CT Money for gas?

No, you cannot redeem CT Money to pay for fuel at Gas+ or Husky locations, but you DO earn CT Money when you buy gas at these stations.

Do Triangle Rewards expire?

Yes. If your account is inactive (no earning or redeeming) for 18 consecutive months, your CT Money balance will expire.

What is a Triangle Select membership?

Triangle Select is a paid premium subscription ($89/year) that boosts your earning power with a 10x bonus on in-store purchases and offers shipping perks.

💳 Best Credit Cards for Triangle Rewards

Looking for the best credit card to pair with Triangle Rewards?

View Our Credit Card Guide →

Program Rules

Point Expiration: CT Money expires after 18 months of account inactivity.

Blackout Dates: No blackout dates

Program Stats

Overall8.5/10

Value8/10

Ease of Use9/10

Redemption9/10

Coverage7.5/10

Program Details

Countries

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