Triangle Select is Canadian Tire’s paid loyalty program at $89 per year. It replaces the free Triangle Rewards tier (which earns 0.4% back in CT Money) with significantly higher earn rates: 5% back at Canadian Tire, 3% back at Mark’s and SportChek, and 2 cents per litre at participating Petro-Canada stations. You also get free shipping on canadiantire.ca and access to members-only events and offers.
The break-even calculation is straightforward. At 5% back (vs 0.4% free), the incremental benefit is 4.6% on Canadian Tire purchases. To recoup the $89 fee from that 4.6% difference, you need to spend approximately $1,935 per year at Canadian Tire — about $161 per month. If you also shop at Mark’s or SportChek, the break-even drops because you’re earning 3% there too.
For homeowners, the math often works easily. Canadian Tire is a go-to for seasonal items (snow blowers, lawn mowers, patio furniture), automotive needs (oil, wipers, tires, car accessories), home maintenance (paint, tools, hardware, cleaning supplies), and holiday décor. A single snow blower purchase or set of tires can earn $15–40 in CT Money — and one or two big purchases like that per year get you most of the way to break-even.
The bonus members-only events and swap offers add hidden value that’s hard to quantify. Triangle Select members get early access to sales, exclusive pricing on select items, and periodic "swap" events where you can trade CT Money for bonus value (e.g., trade $20 in CT Money for a $30 discount). These events can significantly boost the effective return rate beyond the base 5%.
The free shipping on canadiantire.ca is a nice perk for online orders, saving $7–12 per shipment. If you order online even 5 times per year, that’s $35–60 in shipping savings — covering a significant chunk of the annual fee.
For people who rarely visit Canadian Tire (under $1,000/year in spending), the free Triangle Rewards tier is perfectly fine. You still earn 0.4% back and can redeem CT Money normally. The paid tier only makes sense if Canadian Tire is a regular part of your shopping routine.
Worth It If You...
- Homeowners who shop Canadian Tire regularly for seasonal, automotive, and home maintenance items
- Families with vehicles who buy oil, tires, wipers, and car accessories at CT
- DIY and renovation enthusiasts who spend on tools and building supplies
- People who also shop at Mark’s or SportChek (3% back adds up)
- Cottage owners who buy outdoor, boating, and camping gear
Skip It If You...
- People who spend less than $1,000/year at Canadian Tire
- Urban renters without cars or homes to maintain
- Those who visit Canadian Tire only once or twice a year for small purchases
- Shoppers who don’t also use Mark’s, SportChek, or Petro-Canada
Pros
- +5% back at Canadian Tire (vs 0.4% free tier)
- +3% back at Mark’s and SportChek
- +2 cents/L at participating Petro-Canada stations
- +Free shipping on canadiantire.ca
- +Exclusive members-only events and swap offers for bonus value
- +Easy to reach break-even for regular shoppers
Cons
- −$89/year fee before you earn anything
- −Only worthwhile with regular Canadian Tire spending ($1,900+/year)
- −CT Money can only be redeemed at Canadian Tire, Mark’s, and SportChek
- −Not useful for people who rarely shop these brands
The Bottom Line
Worth it for homeowners and families who shop Canadian Tire regularly. If you spend $160+/month there, the membership pays for itself and then some.
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