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Triangle Mastercard Review 2024: The Canadian Tire Credit Card

Updated: Jan 5, 2024, 6:09pm

Fact Checked

If you like a no frills credit card with a simple rewards structure, the Triangle Mastercard fits the bill. This credit card offers 4% cash back in CT Money (the modernized, digital form of Canadian Tire money) at a handful of retailers and 1.5% at grocery stores. However, the rewards drop off to 0.5% for purchases made outside of the Canadian Tire network. While the Triangle Mastercard earns points for having no annual fee and a respectable 1:1 ratio for earnings, it misses the mark on flexibility, since you can only earn cash back in CT Money, which can only be redeemed at partner stores and can’t be converted into cash.

• No annual fee.
• No specific income required.
• No fee, no interest financing available on purchases of $150 or more at participating retailers.
• Only earns CT Money.
• Low earn rate.
• No welcome bonus.

Table of Contents

Introduction, at a glance, best use of the product, triangle mastercard benefits, how the triangle mastercard stacks up, methodology, is the triangle mastercard right for you, featured partner offer.

KOHO Essential Prepaid Mastercard

Via KOHO’s Secure Website

Welcome Bonus

30-day free trial to any KOHO subscription plans

$4* per month and $48 per year for an Essential Plan.

Regular APR

• Earn 4% cash back in CT Money on nearly all purchases at Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Party City, Atmosphere, Pro Hockey Life, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts.
• Earn 1.5% cash back in CT Money (up to $12,000 in annual purchases) when you buy groceries (excludes Costco and Walmart).
• Earn 0.5% cash back in CT Money on all other spending.
• Receive $0.5 in CT Money per litre when you fuel up at Gas+ and Essence+ gas stations.
• No income requirements.
• Skip the interest and fees when financing eligible Canadian Tire purchases of $150 or more.
• You can get cash back rewards with bonus offers to earn up to 30 times more per dollar on purchases.
• Allows you to easily return items bought on the card without a receipt at participating locations.

The iconic Canadian Tire has been around for nearly 100 years, so it’s safe to say it knows a thing or two about loyalty. Its customers may not have stacks of paper Canadian Tire Money collecting in their junk drawer anymore, but the digital equivalent stored on the Triangle Mastercard is just as rewarding (and easier to keep track of too).

The Triangle Mastercard itself is a basic, no-annual-fee credit card, perfect for cardholders that don’t need all the typical bells and whistles found on premium credit cards.

Cardholders will receive 4% cash back in the form of CT Money on everyday purchases at Canadian Tire and a handful of other participating retailers owned by Canadian Tire Corporation, Limited. The card also earns 1.5% on groceries, $0.5 on fuel and 0.5% back when you shop anywhere else.

Just like the paper Canadian Tire Money, you can stack CT Money with bonus offers to earn even more CT Money on your spending. Cardholders can receive weekly deals and access to bonus events that earn 30 times more per dollar on purchases. Plus, if you still have a few old bills of the physical Canadian Tire Money lying around, you can convert them into digital dollars at any Canadian Tire store.

• No annual fees or income requirements.
• Earn cash back in CT Money on everyday purchases: Collect 4% on purchases from participating retailers, 1.5% on groceries, $0.5 per litre at select gas stations and 1.5% when you shop everywhere else.
• Every dollar in CT Money equals a dollar to redeem at Canadian Tire and its partner retailers.

Earning rewards

If you frequently shop at Canadian Tire or any of the other partners, you can quickly rack up CT Money with this card. You can collect 4% on eligible purchases at Canadian Tire and participating retailers for sporting equipment, home and lifestyle goods, and car rentals. However, the earn rate drops to 0.5% when you shop anywhere other than the approved partner stores.

Every time you fill up at Gas+ and Essence+ pumps, you can earn $0.5 per litre on all fuel types, including diesel. There are no minimums or maximums on the fuel required to qualify for the cash back rate.

Cardholders can also collect 1.5% on groceries up to $12,000 in purchases per year, but it’s important to note that this excludes Costco and Walmart.

The earn rates are decent, but the “cash” you get back is digital CT Money. That means, you can only spend it at the retailers under the Canadian Tire corporate umbrella. You will also only be collecting rewards on pre-tax amounts. Plus, there are plenty of other cash back credit cards that put real money back in your pocket based on the total transaction amount and have higher earn rates, to boot.

Redeeming Rewards

Redeeming rewards is relatively straightforward. Simply show your card to a cashier or use your points online at any partner location and watch the price go down. The easiest way to use your rewards is through the Triangle Mastercard App. The app will give you quick access to your rewards total and available bonus offers.

The dollar for dollar redemption value is respectable and the app is handy, but you can only redeem rewards at approved locations that accept CT Money. This puts a cap on what you can buy with your rewards. Another drawback is the cash back earned at Gas+ and Essence+ can’t be redeemed for fuel. Other credit cards give you real cash back to put towards gas bills, like the American Express Gold Rewards Card.

Rewards Potential

We did the math for you by calculating what the average Canadian spends every year for each TD Cash Back Visa Infinite* Card cash back category. Forbes Advisor uses data from multiple government agencies in order to determine both baseline income and credit card spending averages across various categories.

Forbes Advisor estimates the total annual credit card spending to be $27,851.70. Of that amount, grocery purchases add up to $7,536, earning $113.04 in CT Money the 1.5% rate. All other spending would earn the 0.5% rate, unless it was at partner stores. So, the $3,360 on gas, coming out to $16.80 in CT Money and the $2,436 in recurring bills ($2,436) would amount to $12.18. Canadians also spend $14,519.70 in other spending categories (like dining, air travel, hotels, online purchases and miscellaneous spending) that could reasonably be charged to a credit card and would earn at the base rate of 0.5%, earning them. That would amount to just $72.59 in CT Money, earning them a grand total of $214.61 in CT Money per year.

Overall, the Triangle Mastercard doesn’t earn very much considering that there are other credit cards out there that offer more flexible rewards (like cash) and can earn upwards of $500 a year, based on the exact same spending. That said, we didn’t account for purchases made at partner stores, since sporting equipment, workwear and Canadian Tire shopping don’t fall into typical spending categories. But, if you spend a lot at those stores, this card might be well worth the 4% back in CT Money.

• No Fee Financing: Get interest-free financing with no upfront fees on qualifying purchases of more than $150.
• Easy Returns: Return items to participating stores with no receipt.
• Bonus Rewards: Stack your credit card rewards with bonus offers to earn more cash back overall.

Interest Rates

• Regular APR Min: 19.99%
• Regular APR Max: 27.99%
• Cash Advance: 22.9%
• Foreign Transaction Fee: 2.5%
• Annual Fee: $0

Triangle Mastercard vs. Triangle World Mastercard

The Triangle World Mastercard is an invite-only card. Getting an invitation will depend on your membership and spending history. This information is kept under lock and key, just like the application. Like its lower-tier counterpart, there are no annual fees or income requirements. Cash back rewards follow the same structure, with a slight increase in earn rates on fuel that pays $0.5 per litre on premium grades and $0.7 per litre on all other fuel types, but this slight increase might not be worth the invite for everyone.

Triangle Mastercard vs. Triangle World Elite Mastercard

The Triangle World Elite Mastercard is available to those who meet the income requirements of $80,000 annual earnings or $150,000 household income. Cardholders can still skip the annual fees and earn the same cash back at participating retail stores and gas stations. Rewards are boosted to 3% for grocery stores and 1% on other purchases. Based on the same annual spending calculations, Triangle World Elite Mastercard holders can earn $327.64 annually, compared to the Triangle Mastercard’s $214.60. Plus, they’ll get additional perks like car rental insurance , a 90-day purchase warranty, roadside assistance , and 24/7 concierge services. If you can qualify, the Triangle World Elite beats the regular Triangle Mastercard pretty handily.

Triangle Mastercard vs. CIBC Costco Mastercard

The CIBC Costco Mastercard offers 3% cash back (and that’s real cash back) at restaurants and Costco gas stations. Cardholders earn 2% at other gas stations and on Costco.ca. All other purchases offer 1% cash back wherever Mastercard is accepted. There are no annual fees or limits on cash back rewards. Forbes Advisor estimates CIBC Costco Mastercard holders can earn $422.58 annually with Costco purchases or $367.62 with non-Costco purchases. Both numbers trump the Triangle Mastercard’s annual estimated earnings of $214.60—and it earns cash back you can use anywhere, not just at specific stores.

The CIBC Costco Mastercard also has additional benefits like liability protection, extended warranty, and $1,000 mobile device insurance.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With cash back, the scoring model used takes into account factors such as, but not limited to, cash back rates and categories, fees, welcome bonus, and other rewards and features. Keep in mind, what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

Earning free money—even if it has the Canadian Tire logo—is a great way to get paid for things you already buy. If you frequently shop at Canadian Tire and its partner retailers , the Triangle Mastercard offers rewards with little to no risk. You don’t need to make a certain amount of money to get approved and there are no annual fees to surprise you on the credit card bill. Anyone that plays sports or has an affinity for the outdoors could benefit from getting cash back on the expensive equipment required for an active lifestyle. However, having an additional cash back card with better earn rates will benefit you much more and have way more flexibility when it comes to your everyday spending.

Related : Best Credit Cards to have in Canada

Frequently Asked Questions (FAQs)

What is the triangle mastercard credit limit.

The Triangle Mastercard credit limit is based on your credit score, credit history and payment history with other Canadian Tire credit cards. You will be notified of the credit limit when your application is approved.

How do you increase the Triangle Mastercard limit?

You need to contact support to increase the Triangle Mastercard credit limit . Customer service is available in English and French via chat, phone and email.

What credit score do you need for the Triangle Mastercard?

The Triangle Mastercard requires a good or excellent credit score but doesn’t list the specific requirements. These scores typically range between 660 and 760, with 900 being a perfect credit score.

What stores accept Triangle Mastercard?

Any store that accepts Mastercard will accept the Triangle Mastercard. You will earn more cash back at Canadian Tire stores and participating retailers, grocery stores, and car rental services.

How to use Triangle Mastercard points?

You can use Triangle Mastercard points anywhere that accepts CT Money. Locations include, but are not limited to, Canadian Tire, SportChek, Mark’s, Pro Hockey Life, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, and participating Sports Experts stores.

Candice Reeves is a financial writer based out of Nova Scotia. She specializes in personal finance, investing, and cryptocurrency. Her work is featured in leading publications across various industries, including Wealth Rocket, CryptoVantage, and StackCompare.

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Canadian Tire Triangle World Elite Mastercard

Signup bonus:

Annual fee:, earning rate:, perks & benefits:.

The Canadian Tire Triangle World Elite Mastercard has a collection of unique features. With no annual fee, it may appeal to a variety of people as a long-term keeper card.

This card may be of interest to outdoor enthusiasts, road trippers, commuters, or anyone with bill payments to payees that don’t normally accept credit cards.

Bonuses & Fees

Currently, this card does not offer a welcome bonus.

The card has no annual fee  as an ongoing feature.

Earning Rewards

The card earns Canadian Tire Money, also known as Triangle Rewards:

• Earn 4% back at Canadian Tire brands
• Earn 3% back on groceries, up to $12,000 spent per calendar year
• Earn 1% back on all other purchases

Canadian Tire brands include a variety of retailers, with an emphasis on sports and outdoors. Here are a few of their major partners:

• Canadian Tire
• Mark’s
• Pro Hockey Life
• Hockey Experts
• Sports Rousseau
• L’Entrepôt du Hockey
• participating Sports Experts stores

Plus, you’ll collect 7 cents per litre in Canadian Tire Money on premium fuel, as well as 5 cents per litre in Canadian Tire Money on all other fuel types at Gas+ and Essence+ locations.

Redeeming Rewards

Canadian Tire Money can be redeemed for purchases at Canadian Tire brands, including the stores mentioned above. If you shop at those stores, your rewards are effectively the same as cash back.

Rewards expire after 18 months of inactivity, but you don’t have to remain a cardholder to keep your account active.

If you ever decide to close the credit card, you can still earn Canadian Tire Money by scanning your Triangle membership card when you make a purchase at a partner store.

You can learn more about the Triangle Rewards program on the Canadian Tire website.

Perks & Benefits

Canadian Tire’s credit cards have a unique feature where you can make bill payments from your credit card to select payees.

These payments can be set up by finding the biller in the Canadian Tire online banking login, rather than by providing the biller with your credit card number. This may allow you to pay bills with a credit card for certain billers that don’t accept regular credit card payments.

The Triangle World Elite Mastercard comes with a complimentary Roadside Assistance Gold Plan membership. It includes 24-hour assistance, towing to the destination of your choice within 250 kilometres in Canada and the US, and services such as fuel delivery, flat tire changes, and jumpstarting your battery.

This is superior to the roadside assistance benefits on other cards, which often stipulate that they’ll only tow you to the nearest service centre, not to your preferred location.

Finally, the card offers zero-interest financing on purchases at Canadian Tire brands.

Insurance Coverage

The card has no notable travel insurance coverage, just standard coverage for rental car damage, extended warranty, and purchase protection.

As a World Elite product, this credit card has a minimum annual income requirement of $80,000 (individual) or $150,000 (household). Consider supporting Prince of Travel by applying for the card via our affiliate link below.

Will I be able to increase my cash limit with CT World ?

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5 Little-Known Benefits of the Canadian Tire Triangle Mastercard

With the Canadian Tire Triangle Mastercard, there’s definitely more than meets the eye. Here are five little-known perks you should be aware of.

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The Canadian Tire Triangle Mastercard is one of Canada’s finest rewards cards. For a card that doesn’t charge an annual fee, the 4% earn rate on Canadian Tire purchases is fairly lucrative, and the 1.5% back on grocery purchases and five cents per litre on gas is icing on the cake.

But aside from these obvious features, the Canadian Tire Triangle Mastercard has several “hidden” perks that may surprise you. If you’re contemplating applying for this card, here are five things you could enjoy.

1. No-interest financing

Rare for a credit card, no-interest financing is certainly one of the Canadian Tire Triangle Mastercard’s best little-known perks.

Basically, you can split any Canadian Tire purchase of $150 or more into 24 equal payments. As long as you pay the minimum on your monthly statement by the due date, you’ll pay no interest and no fees. For a $150 purchase, that means paying only $6.25 per month for 24 months.

And it’s not just purchases made at Canadian Tire. This perk applies to all Canadian Tire affiliates, too, such as Mark’s, Party City, and SportChek.

Just be careful. If you don’t make the minimum payment with 59 days of your statement’s due date, Canadian Tire will terminate the no-interest financing and start charging you interest. The interest you pay will be set by your card’s APR, and you’ll pay interest for every day since you made the purchase.

2. 24/7 medical assistance

Through Mastercard’s “concierge service,” the Canadian Tire Triangle Mastercard can help you make arrangements for shopping, travel, entertainment, and even business. While this isn’t totally unknown, one part of the concierge service is frequently overlooked: medical assistance.

Through your card’s concierge, you can you make appointments, plan prescription refills, and book visitations through certain medical providers. You can also call to make arrangements for emergency medical transportation, which can come in handy if you’re traveling abroad and you don’t know the country’s emergency number.

3. Roadside-assistance gold plan

Canadian Tire’s roadside-assistance gold plan is a must-have for Canadians who travel long distances or commute frequently. Under this plan, you get five free service calls per year, one towing service to a destination of your choice, unlimited tows to Canadian Tire Auto Service Centres across the country, a battery boost, fuel delivery, and free extrication and winching services.

Without a Canadian Tire Triangle Mastercard, you’d be stuck paying $99.99 per year for the gold plan. With the card, however, you pay nothing. You just have to activate your membership online, and you’ll enjoy free roadside assistance.

4. No-receipt returns at Canadian Tire stores

Normally, Canadian Tire won’t accept returns without a receipt. But if you made the purchase with your Canadian Tire Triangle Mastercard, you have nothing to worry about. Canadian Tire will look up your purchase on your card. That means no more digging through the trash to find that scrunched up receipt paper.

5. Members-only invites and promotions

Finally, Mastercard will send you frequent invites to private functions and members-only events, ranging from dining experiences to promotions on sports tickets. If you download the Triangle App, you can keep track of these private events (you should also receive an email from Mastercard).

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The best travel insurance credit cards in Canada for 2024

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Travel medical emergency insurance for trips up to 60 days with insurance options also available for seniors (rare among travel cards).

Travel insurance for trips up to 25 days. Plus receive airport lounge and noforex perks. Receive $50 gift card upon approval with Ratehub.ca.

Among the few no fee credit cards to offer comprehensive travel insurance (for trips of up to 10 days).

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Canada’s best credit cards for travel insurance

By Keph Senett on April 12, 2024 Estimated reading time: 5 minutes

If you’re planning to travel this summer, you’ll need travel insurance if you plan to go out of province. These days, many of the credit cards available include some kind of travel insurance. While that’s a great selling feature for these cards, savvy Canadians know that not all insurance is created equal. There are a few kinds of coverage you actually  need  when travelling, like emergency medical and trip cancellation or interruption. Theft or baggage loss protection is a useful bonus, too.

As to which  travel credit card  offers the right combination of features for you, that will depend largely on the type of traveller you are and the perks you’re most likely to use. But first…

Travel insurance on credit cards: How does it work?

Every insurance package is tailored to a specific card and program but in general, the process is simple. You’ll usually have to book your travel on that credit card but different cards have different rules. For example, some say you need to book 100% of your trip on the card while others don’t have that stipulation. Read your documents to determine your responsibilities. Once you book, you’ll automatically have access to the included coverage. You don’t have to notify the credit card company that you’re traveling or call to activate the coverage. That said, we always recommend that you read the documentation from your credit card company. 

Best no fee card for travel insurance 

At a glance: If you want a travel insurance credit card without committing to an annual fee, check out the Rogers Red World Elite Mastercard. Not only does this no-fee card include valuable travel and rental car insurance with perks like free Boingo Wi-Fi and access to airport lounges, it’s also a cash back card. This means that for every $1 you spend on the card you’ll get back 1.5% (or 2% if you’re a Rogers, Fido or Shaw customer).

Rogers Red World Elite Mastercard

• Annual fee:  $0
• Earn rate:  1.5% cash back on all purchases, or 2% back for Rogers, Fido and Shaw customers; 3% cash back on all purchases in U SD
• Welcome bonus: You can This card does not have a welcome bonus at this time.
• Annual income requirement:  Personal income of $80,000 or household income of $150,000
• Recommended credit score for approval: 725 or higher
• Interest rates: 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers

Best travel insurance card for lounge access

It would be hard to overstate the perks of lounge access. When you use this card for your travel expenses, you get just that: a worry-free haven. The Scotiabank Passport Travel Visa is a top-notch travel card in its own right, offering a solid suite of travel and car rental insurance coverage. Those under 65 get up to 25 days of travel medical insurance, which is impressive compared to other cards on this list. If you’re aged 65 or older though, you are only covered for three days. The card also boasts coverage for trip cancellation, flight delays, lost baggage, rental car collision/ damage, accident insurance and more.

Scotiabank Passport Visa Infinite

• Annual fee: $150
• Earn rate : 3 Scene+ points per $1 spent at Sobeys stores; 2 points per $1 on groceries, dining, entertainment and transit; 1 point per $1 on everything else. Plus, pay no FX fees
• Welcome offer: earn up to $1,300 in value in the first 12 months, including up to 40,000 bonus Scene+ points and first year annual fee waived. Offer ends July 1, 2024.
• Annual income requirement: Personal income of $60,000 or household income of $100,000
• Point value: 1 Scene+ point = $0.01 when redeemed for travel, store purchases and food and drink at Cineplex and Scene partners
• Recommended credit score   for approval : 700 or higher

Best travel credit card for medical insurance

At a glance: Canadians are privileged when it comes to healthcare, so it’s no surprise we want to travel with robust medical insurance. While many credit cards offer medical coverage of up to $1 million, the Ascend World Elite Mastercard doubles that , offering $5 million in coverage for up to 21 days of travel—on unlimited trips per year. You’ll also get travel accident insurance, which covers you and your spouse and dependants for up to $500,000 on passenger plans, busses, taxis, trains and cruise ships.

BMO Ascend World Elite Mastercard

• Earn rates: 5 points per $1 spent on eligible travel purchases; 3 points per $1 on dining, entertainment, and recurring bill payments; 1 point per $1 on everything else
• Welcome bonus: You can earn up to 100,000 points and the annual fee waived in the first year for both the primary cardholder and authorized users.
• Annual income requirement: Personal income of $80,000 or household income of $150,000
• Points values: 1 BMO Rewards point = $0.0067 when redeemed for travel
• Interest rates: 20.99% on purchases, 23.99% on cash advances, 23.99% on balance transfers

Another perk offered by the BMO Ascend: You get delayed and loss baggage insurance. So you’ll be reimbursed up to $500 per insured person if your bags are lost or damaged. And if your checked bags are delayed more than 6 hours, you’ll get $500 to purchase essentials, too. Coverage for you and your family to the tune of $5 million provides a lot of peace of mind, while a free lounge membership in Mastercard Travel Pass, provided by DragonPass, plus four free passes a year, gives you literal peace when travelling. Cardholders earn BMO Rewards points when using the card, which can be applied to travel, merchandise, cash redemption and even a contribution to a BMO investment account.

Best travel card for snowbirds and other seniors

At a glance: Canadians work hard all their lives, often with the idea that they’ll travel once in retirement or semi-retirement. The thing is, many insurance companies radically increase premiums or even refuse coverage to older applicants. Travellers with the National Bank World Elite Mastercard in their wallet have 15 days of emergency travel insurance included, even if they’re over 65 years old. The card’s inventive travel fee reimbursements system can cover you for travel-related costs like airport parking, seat selection, and checked baggage fees. 

National Bank World Elite Mastercard

• Annual fee:  $150
• Earn rate: 5 points per $1 on grocery and restaurant purchases; 2 points per $1 on gas, EV charges, recurring bill payments and travel booked through À La Carte Rewards; and 1 point per $1 on all other purchases.
• Welcome offer:  You can This card does not have a welcome bonus at this time.
• Recommended credit score: 760 or higher
• Interest rates:  20.99% on purchases, 22.49% on cash advances, 22.49% on balance transfers

Best for travel insurance for road trips 

At a glance: Many travel credit cards focus on air travel but for the road trippers among us, we’ve selected the BMO CashBack World Elite Mastercard. Cardmembers are covered by the BMO World Elite Total Travel and Medical Protection package, which includes collision damage waiver benefits on rental cars and eight days of out-of-province and out-of-country emergency medical benefits up to $5 million. Plus, it includes a free, basic membership in the Dominion Automobile Association and the benefits of its BMO Roadside Assistance Program.

BMO CashBack World Elite Mastercard

• Annual fee:   $120
• Earn rate:  5% cash back on groceries, 4% back on transit, 3% back on gas and electric vehicle charging, 2% on recurring bill payments, and 1% back on everything else
• Welcome bonus:  You can earn up to 10% cash back in your first three months and have the $120 annual fee waived in the first year.
• Additional benefits : Complimentary Roadside Assistance Program; BMO World Elite Total Travel and Medical Protection; 25% off at National and Alamo for car rentals; and Mastercard Travel Rewards program.

Best travel credit card with trip cancellation insurance

At a glance: Trip cancellation insurance is more important than ever since the pandemic started. Our pick for the best travel insurance credit card with trip cancellation insurance is the TD First Class Travel Visa Infinite, which offers up to $1,500 per person. This, along with the included medical insurance, common carrier travel accident protection, delayed or lost baggage coverage, and travel assistance, should help you rest easy as you plan your travel.

TD First Class Travel Visa Infinite Card

• Annual fee: $139 (annual fee rebate—conditions apply to qualify)
• Earn rates: Up to 8 TD Rewards points per $1 on travel; 6 points per $1 on groceries and restaurants; 4 points per $1 on recurring bills; and 2 points per $1 on all other purchases
• Welcome offer: You can earn up to $800 in value, including up to 100,000 TD Rewards Points and no Annual Fee for the first year. Conditions apply. Account must be approved by June 3, 2024. Plus, you get an annual birthday bonus of 10% of your previous year’s points (up to 10,000 points).
• Point value: 1 TD Rewards point = $0.005 when redeemed for travel via Expedia For TD or $0.004 when redeemed through other providers and websites

More of Canada’s best  credit cards :

• Canada’s best credit cards
• Canada’s best credit cards for gas
• Canada’s best credit cards for grocery purchases
• Canada’s best cash back credit cards

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About Keph Senett

To learn about the benefits available with your credit or debit Mastercard, contact your issuing financial institution

The overview below outlines the most common benefits. This information is intended only as a reference for the types of shopping, travel and convenience-related benefits that may be available with your Mastercard.

Please Note: Benefits described below vary by card type and by issuing financial institution. * Refer to your issuing financial institution for complete benefit coverage terms and conditions.

†These are summary descriptions only. Additional terms, conditions and exclusions apply. Contact your issuing financial institution for complete coverage terms and conditions. To file a Price Protection or Extended Warranty claim online, please go to www.mycardbenefits.com . ↩

*Selection of benefits on your card varies by card type and by card issuer. Please refer to your issuing financial institution for complete coverage terms and conditions. If there is any difference between the descriptive language regarding insurance benefits described above and the actual applicable master policy issued by the insurance carrier, the terms and conditions of the policy shall govern. Your card issuer can cancel insurance benefits at any time and must notify you at least sixty (60) days in advance. Coverage will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation or nonrenewal, subject to the terms and conditions of coverage. ↩

1. Certain terms, conditions and exclusions apply. For more information, please refer to your benefits guide or contact your issuing financial institution. ↩

2. Certain terms, conditions and exclusions apply. For full details, please visit: http://www.boingo.com/legal/end-user-license-agreement-boingo-customer-agreement . ↩

3. Offer expires 09/30/2024. New customers who pay for their first annual McAfee Total Protection for Mastercard subscription using an eligible Canada-issued Mastercard credit card will receive a special introductory price on a 13-month subscription term. Customers will also receive 13 months of McAfee TechMate at no additional cost. Limit one offer per cardholder. Unless you cancel your initial 13-month subscription at least 30 days before it expires, you will be charged the renewal subscription price in effect at the time of your renewal, and it will renew automatically for a 12-month term. You can cancel at any time or change your auto-renewal settings by accessing your My Account page . Pricing is subject to change. Mastercard reserves the right to modify or cancel this offer at any time without notice. You may request a refund by contacting McAfee customer support within 30 days of initial purchase or within 60 days of automatic renewal. Neither Mastercard nor any participating financial institution card issuer has any involvement in or responsibility for McAfee’s products or services and are not responsible for any claims or damages arising from the use of the McAfee products and services. Additional terms and conditions apply. Not all features may be available on all devices. For full terms and conditions, visit https://www.mcafee.com/mastercard-en-ca . ↩

4. Certain terms, conditions and exclusions apply.

New User Offer: Get CAD $20 in Ritual voucher credits when you sign up for Ritual using promotional code “MC2020” and use an eligible Mastercard as a form of payment on your Ritual account (the “Offer”). Eligible new users must access the Offer by entering the promotional code “MC2020” during sign-up. Offer is available only to new eligible Ritual signups in Canada. The new user voucher credits will expire if not used within 30 days of signing up on Ritual. New users must add and pay with a consumer World or World Elite Mastercard credit card issued in Canada upon sign-up (“Eligible Mastercard”). CAD $20 in new user voucher credits are issued as four staged CAD $5 vouchers. All vouchers must be applied on a minimum pre-tax order value of CAD $10. Eligible new users will receive: (1) a CAD $5 voucher credit upon sign-up, which will be automatically applied when placing their first order; (2) a CAD $5 voucher credit after using their first voucher, which will be automatically applied to their second order; (3) a CAD $5 voucher credit after using their second voucher, which will be automatically applied to their third order, and (4) a CAD $5 voucher credit after using their third voucher, which will be automatically applied to the next order. For any order, if the value of the voucher credit exceeds the value of the order after taxes, the remaining value of the voucher credit will be lost. Voucher credits are redeemable at select participating restaurants, once per restaurant. See in-app for a complete list of participating restaurants. This Offer cannot be combined with any other offers, or with promotional or referral sign-up credits. Promotion subject to change. Additional terms and conditions may apply.

For full details, please visit: www.ritual.co/mastercard .

All Users Offer: Earn 1,000 Ritual Reward points after you place your fifth hot beverage order in the same calendar month using your eligible Mastercard as payment. Ritual Rewards points will not be issued to users who do not use a consumer World or World Elite Mastercard credit card issued in Canada as the form of payment (“Eligible Mastercard”). Orders that are paid for using voucher credits will not be applicable to the count of hot beverages orders. Hot beverages are defined as coffee or tea menu items available for purchase at all restaurants within the Ritual merchant network in Canada. Cannot be combined with any other offers, or with promotional or referral sign-up credits. Promotion subject to change. Additional terms and conditions may apply. For full details, please visit: www.ritual.co/mastercard .

All Users Offer: Eligible users will receive 1.5x the Ritual Reward points on every order when using a consumer World or World Elite Mastercard credit card issued in Canada (“Eligible Mastercard”) as the form of payment. Cannot be combined with any other offers, or with promotional or referral sign-up credits. Promotion subject to change. Additional terms and conditions may apply. For full details, please visit: www.ritual.co/mastercard. ↩

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