CT Money Explained: The Ultimate Guide to Earning & Maximizing Canadian Tire Rewards
Everything you need to know about CT Money in 2026: how it works, how to earn more, redeem for maximum value, and stack with coupons and bonus events. Use our CT Money calculator and expert tips to transform every Canadian Tire, Sport Chek, or Mark’s shop into bigger savings.
Example: A $100 Canadian Tire purchase during a 10x event with coupons can net you $15+ in CT Money back!
CT Money is Canadian Tire’s iconic loyalty rewards program, evolved from paper bills to a powerful digital system in 2026. Whether you shop at Canadian Tire, Sport Chek, Mark’s, or online, CT Money lets you earn and redeem rewards on almost every purchase. This guide will show you how to unlock bonus events, stack with coupons, and turn your everyday spending into real, stackable savings.
How Does CT Money Work at Canadian Tire?
What is CT Money?
CT Money is Canadian Tire’s digital rewards currency—earned on most purchases at Canadian Tire, Sport Chek, Mark’s, Party City, and more. Every $1 spent (before tax, after coupons) earns a base rate of CT Money, with opportunities to multiply that amount during bonus events or with special offers.
Brief History
Introduced as “Canadian Tire Money” in 1958 as paper bills, the program became digital as CT Money and Triangle Rewards, evolving into a modern, app-driven loyalty platform. In 2026, it’s Canada’s most recognized loyalty currency—and unlike points, it spends like cash across multiple banners.
- Earn CT Money Scan your Triangle Rewards card/app when shopping in-store or online to collect CT Money on eligible purchases.
- Redeem CT Money Use your balance as cash towards your next shop—stackable with coupons, sales, and bonus events for even bigger savings.
- Stack with Coupons Combine CT Money with manufacturer/store coupons and flyer deals for triple-layered savings.
- What Doesn’t Earn? Gift cards, lottery, and some services don’t earn CT Money. See exclusions below.
How to Earn CT Money: Rates & Pro Tips
CT Money is earned on eligible purchases before tax, after discounts and coupons. The amount depends on how you pay and whether you’ve activated bonus offers. Here’s how to maximize your earnings:
| Payment Method | Base Rate | Bonus Opportunities |
|---|---|---|
| Triangle Mastercard | 1.5% at Canadian Tire, 0.5% elsewhere | 10x/20x events, personalized offers, app multipliers |
| Triangle World Elite MC | 1.5% at CT, 3% on groceries elsewhere* | Same as above |
| Cash, Debit, Other Credit | 0.4%–0.5% | Eligible for bonus events & in-app offers |
| Gift Card | 0.4%–0.5% (with Triangle card scanned) | Bonus events apply when card/app is used |
| App-Activated Offers | Varies—often 5x–20x base rate | Stackable with base rate & coupons |
Pro Tip: Always activate app offers before shopping. Scan your Triangle card/app on every purchase—even when redeeming CT Money, you’ll earn on the portion paid with cash/credit.
What Doesn’t Earn CT Money?
- Gift cards (when purchased)
- Lottery tickets
- Alcohol & tobacco (where restricted)
- Credit card payments, fees, some services
- Some third-party in-store merchants
Participating Stores:
- Canadian Tire
- Sport Chek
- Mark’s
- Party City
- Atmosphere, Gas+ (select locations)
How to Redeem CT Money: Step-by-Step Guide
Open your Triangle app or log in online to see your current CT Money balance. CT Money never expires as long as your account is active at least once every 18 months.
At checkout (in-store or online), let the cashier know you’d like to use CT Money or select it as a payment option. You can redeem as little as $0.10 (in-store), and partial redemptions are allowed.
Scan your Triangle card or app barcode at the register. For online orders, be logged in with your Triangle Rewards account—redemption options will appear at checkout.
You still earn CT Money on any cash, debit, or credit portion of your purchase—even when redeeming points. To maximize value, stack with coupons and bonus events!
Tip: CT Money can be redeemed at Canadian Tire, Sport Chek, Mark’s, and most partner stores—both in-store and online, with no blackout dates.
CT Money Stacking & Maximizing Strategies
Stack with Coupons & Bonus Events
Use manufacturer/store coupons and activate app bonus events (like “10x CT Money weekends”) for triple savings. Example: A $120 shop during a 10x event, using a $20 coupon, earns $12 in CT Money PLUS instant savings!
Time for Bonus & Multiplier Events
Shop during major “Spend $50, Get $10 CT Money” or “20x” events. These events can turn a routine shop into a big bonus—especially when paired with sale or clearance items.
App-Only & Personalized Offers
The Triangle app often delivers exclusive, personalized bonus offers—activate every week to maximize your earn. These stack with base rate and event multipliers.
Redeem Strategically
Save CT Money for “Spend & Get” events or high-ticket purchases—combining redemption with sales, coupons, and CT Money bonuses for the lowest possible out-of-pocket cost.
Watch for Exclusions
CT Money isn’t earned on gift cards, lottery, alcohol, or bill payments. Check event and coupon fine print for additional exclusions before shopping.
Price Match + CT Money
Use competitor price matching at Canadian Tire, then earn CT Money on the lower price—stack with coupons and bonus events for best results.
Estimate Your CT Money Earnings
Try different scenarios—compare earning with a Triangle card vs cash, and see how bonus events multiply your rewards!
Frequently Asked Questions: CT Money & Stacking
CT Money is earned digitally on eligible purchases at Canadian Tire, Sport Chek, Mark’s, and other partner stores. Scan your Triangle Rewards card or app at checkout to collect CT Money, which can be redeemed like cash on future purchases. Earnings increase during bonus events or when using a Triangle Mastercard.
Shop during 10x or 20x CT Money events, use a Triangle Mastercard for higher base earnings, and activate all personalized app offers. Stack coupons and flyer sales to increase savings, and redeem CT Money during bonus events for the best total value.
Yes—CT Money can be redeemed on top of manufacturer or store coupons, and you’ll still earn CT Money on any portion of your purchase paid with cash, debit, or credit. This lets you “double dip” on savings and maximize your rewards.
CT Money does not expire as long as you earn or redeem at least once every 18 months. Inactive accounts may have balances forfeited, so always scan your Triangle card or app at least annually to keep your rewards.
No, CT Money cannot be transferred between Triangle Rewards accounts or gifted to others. Each account’s rewards are non-transferable, so it’s best to consolidate purchases on one account for the largest rewards.
If CT Money is missing, wait 2-3 days (for app/online orders), then check your Triangle app. If still missing, contact Triangle Rewards support with your receipt. Always scan your card/app at checkout and verify your account is linked.
Yes—when you price match at Canadian Tire, CT Money is earned on the matched price (after coupons). This is a great way to combine competitor deals, coupons, and rewards for maximum savings on a single shop.
Absolutely! CT Money is earned and redeemed at Sport Chek, Mark’s, Party City, Atmosphere, and participating Gas+ locations. Always scan your Triangle Rewards card/app to collect and use your rewards.
CT Money is not taxable and is considered a discount at checkout. However, you cannot use CT Money to pay the tax portion; it applies to the pre-tax subtotal only.
Yes—when logged into your Triangle Rewards account, you can redeem CT Money at checkout for online orders and curbside pickup at Canadian Tire and other participating partners.