Cancellation Triangle Mastercard: Easy Method

What is Triangle Mastercard

Triangle Mastercard is a Canadian credit card and rewards program that earns CT Money on qualifying purchases and ties into the Triangle Rewards ecosystem (including the Triangle Select subscription). Cards are issued through Canadian Tire Financial Services and come in variants such as the Triangle Mastercard and Triangle World Elite Mastercard, both of which have no annual fee.

The card provides standard credit‑card features plus rewards benefits (CT Money), and some premium protections on the World Elite version such as roadside assistance and purchase protection.

How to cancel Triangle Mastercard

• Triangle Select subscription (part of Triangle Rewards): Request cancellation in your web account or by phone. The subscription runs for one year; cancellation can be requested at any time but - outside Quebec - takes effect at the end of the paid subscription term. Disable auto‑renewal in your web account to prevent future charges.
• Quebec residents cancelling Triangle Select: Request cancellation and it will be processed immediately; you may be eligible for a prorated refund less the value of any goods, services or vouchers you already received.
• Triangle Mastercard credit‑card account: Closure is not handled via app‑store interfaces. Pay off any outstanding balance, then call Canadian Tire Financial Services (for example 1-800-226-18473) to request account closure. Ask for written confirmation of the closure and retain it for your records.
• If you prefer written notice, send a signed cancellation/closure request to Canadian Tire Financial Services by mail (see the Address section below). Sending by registered mail is recommended for proof of delivery.

What happens when you cancel

For Triangle Select subscriptions outside Quebec, benefits remain active until the end of the paid subscription year; auto‑renewal will be stopped if you cancel or disable it. For Quebec residents who cancel, benefits stop immediately and cancellation may trigger a prorated refund subject to deductions for any benefits already used.

When you close a Triangle Mastercard account after paying any outstanding balance, the card is deactivated and you will no longer be able to make new purchases. Ask the issuer what happens to any remaining CT Money or pending redemptions before closing - if you want to use CT Money, redeem it prior to closure. Always obtain written confirmation of account closure.

Will I get a refund?

For most Canadian residents (outside Quebec) the Triangle Select subscription fee is non‑refundable; cancelling stops future renewals but does not produce a refund for the current year. Quebec residents have a specific right under the Triangle Select terms to cancel immediately and may receive a prorated partial refund, minus the value of any goods, services or vouchers already received.

There is no general 14‑day cooling‑off refund right stated in the terms for Triangle Select or the Triangle Mastercard; refunds are only discussed in the context of prorated cancellation for Quebec residents.

Triangle Mastercard plans and pricing

Note: Both cards have no annual or monthly fees as of 2024/2025.

Your consumer rights in Canada

Provincial consumer protection laws apply to subscription and refund rules. Under the Triangle Select Terms, Quebec residents can cancel immediately and may receive a prorated refund less the value of benefits already received; this respects provincial consumer protection rules. Outside Quebec, subscription fees are non‑refundable and subscriptions auto‑renew annually unless you disable auto‑renewal in your web account.

There is no explicit 14‑day cooling‑off period in the published terms for Triangle Select or the Triangle Mastercard. If you have a dispute about billing or refunds, contact Canadian Tire Financial Services first and retain written records; if unresolved, contact your provincial consumer protection office for guidance.

Customer experiences

User reports are mixed. Some people report positive outcomes such as successful restoration of CT Money following fraud (examples include full restoration within 48 hours after reporting unauthorized redemptions) and effective roadside assistance and purchase financing benefits. Many cardholders find the CT Money rewards valuable for funding purchases.

Negative feedback commonly cites app and website reliability issues, slow or poor customer service in disputes and applications, and aggressive interest‑charging experiences in some cases. There are also multiple reports of reward fraud (unauthorized redemptions using account or card details), with calls from users for stronger redemption verification and extra security controls.

Documentation checklist

• Card number (or last 4 digits) and account number
• Photo ID or other identity verification (as requested by the issuer)
• Proof of address (if requested)
• Statement showing outstanding balance paid (or arrange payoff before calling)
• Written cancellation request (printed and signed) or clear written confirmation from the issuer
• Screenshots or records of any disputed transactions or unauthorized redemptions
• If mailing, a copy of the registered‑mail receipt and delivery confirmation

Common mistakes

Common errors include assuming account closure can be done through an app store (it cannot for the credit‑card account), not paying off the outstanding balance before requesting closure, and failing to get written confirmation of cancellation. Some people forget to disable auto‑renewal in their web account and are surprised by another annual charge. Others close the account without redeeming CT Money first and later find rewards are no longer accessible - check your rewards balance and redemption rules before closing.

Comparative recap

After cancelling

After you cancel, monitor your account statements and any email confirmation to ensure the cancellation is recorded. Keep copies of all correspondence and confirmations. If you closed the credit‑card account, check that no further charges or recurring payments are billed to the card and consider updating any merchants that used that card for recurring billing.

Helpful resources: Canadian Tire Triangle Rewards information and account management pages, and Canadian Tire Financial Services customer support. For provincial guidance or to escalate unresolved disputes, consult your provincial consumer protection office (for Quebec: Office de la protection du consommateur).

Address

For written correspondence regarding cancellations (sending by registered mail recommended):

P.O. Box 2000, Station Main, Welland, ON L3B 5S3