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Canadian premium credit card strategy · 2026
Know exactly which card
to use — before you pay.
CardStack helps Canadians with multiple premium cards see, in plain numbers, which card wins each purchase and how much annual value they can actually capture.
No account · Runs entirely in your browser
My wallet
Tell CardStack which cards you carry.
Mark each card as Owned, Considering, or Hidden. CardStack will focus every ranking, category winner, and stack recommendation on the cards that matter to you.
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We scrape it, an AI normalizes it, and the math runs alongside the curated cards.
3 of 3 left
Best card by category
Based on compare all cards.
- GroceriesAmerican Express Cobalt CardEarns$900
- Earns$640
- Earns$800
- Earns$320
- RecurringATB World Elite MastercardEarns$360
- All OtherCapital One Smart Rewards MastercardEarns$750
- Earns$250
What it does
Your cards, ranked by real dollars.
Premium credit cards advertise multipliers, credits, and fees in every direction. CardStack turns those numbers into one clear answer per card: what it's worth to you, per year, in Canadian dollars. Then it tells you which card to reach for at the grocery store, the airport, or a restaurant abroad.
- Net value
- Rewards earned plus credits, minus annual fee and FX cost.
- Point value
- How much a point is worth to you — you set this.
- Category cap
- The spending limit before a card's bonus rate drops.
How it works
Three steps to your stack.
Everything happens in your browser. Nothing leaves your device.
- 01Tell us how you spend
A few sliders — groceries, dining, travel, gas, everything else. Real annual numbers, not estimates.
- 02Pick a point value
Conservative, blended, or aggressive. This is how much you think a point is really worth when you use it.
- 03See your stack
Net value per card, category winners, and a clear two-card plan you can actually follow.
Your result, right now
A stack, tuned to a $60,000 year.
This is the demo profile — feel free to change any number below and every result on this page updates instantly. Your assumptions stay on this device.
Top of your stack
ATB World Elite Mastercard
+$2,780/ year
Net value = rewards + credits − annual fee − FX. Effective return 4.63%.
Runner-up
More Rewards RBC Visa Infinite+$2,540
At the register
What card should I use?
For each type of purchase, CardStack tells you which card wins — and why.
Private by design
Your numbers never leave your device.
No account
No sign-up, no email, no password. Open the site and start.
Local-first
Every spend number and point value is stored only in your browser.
No tracking of you
We measure page views, not people. Nothing about your finances is sent anywhere.
The math, in the open
Every number on CardStack has a formula behind it.
We publish the rates, caps, credit assumptions, and FX cost model we use for every card — sourced from official issuer pages. Change your assumptions and every result recomputes; nothing is a black box.
Formula
Net value = rewards + credits − annual fee − FX
- Rewards — earn rate × your spend × your point value, per category, with issuer caps applied.
- Credits — annual credits only if you actually use them (you tell us which).
- FX — foreign spend × the card's foreign transaction fee.
Build my stack
Adjust your numbers.
Every result below updates as you edit. Add your own card at any time.
Your assumptions
Adjust spend & point values
Total spend $60,000 / yr · saved to your browser
Annual spend by category
Point values (¢ / point)
¢/pt
¢/pt
¢/pt
¢/pt
Add a card to compare
Paste a public terms URL
We scrape it, an AI normalizes it, and the math runs alongside the curated cards.
3 of 3 left
01
The Ranking
Net value = rewards + credits − annual fee − FX cost
| # | Card | Rewards | Credits | Fee | FX | Net | Eff. |
|---|---|---|---|---|---|---|---|
| 01 | ATB World Elite Mastercard ATB Rewards Points @ 1¢ | $2,900 | — | −$120 | −$0 | $2,780 | 4.63% |
| 02 | More Rewards RBC Visa Infinite More Rewards points @ 1¢ | $2,540 | — | −$0 | −$0 | $2,540 | 4.23% |
| 03 | American Express Cobalt Card Membership Rewards @ 1.5¢ | $2,265 | — | −$300 | −$0 | $1,965 | 3.28% |
| 04 | MBNA Rewards World Elite Mastercard MBNA Rewards points @ 1¢ | $1,750 | — | −$120 | −$0 | $1,630 | 2.72% |
| 05 | MBNA Rewards World Elite Mastercard (QC) MBNA Rewards @ 1¢ | $1,590 | — | −$120 | −$0 | $1,470 | 2.45% |
| 06 | Scotiabank Gold American Express Card Scene+ points @ 1¢ | $1,550 | — | −$120 | −$0 | $1,430 | 2.38% |
| 07 | National Bank World Elite Mastercard National Bank Rewards @ 1¢ | $1,550 | — | −$150 | −$0 | $1,400 | 2.33% |
| 08 | More Rewards RBC Visa More Rewards points @ 1¢ | $1,330 | — | −$0 | −$0 | $1,330 | 2.22% |
| 09 | TD First Class Travel Visa Infinite Card TD Rewards @ 0.5¢ | $1,290 | — | −$0 | −$0 | $1,290 | 2.15% |
| 10 | BMO CashBack World Elite Mastercard Cash back @ 1¢ | $1,170 | — | −$0 | −$0 | $1,170 | 1.95% |
| 11 | Neo Secured World Elite Mastercard Cash back @ 1¢ | $1,290 | — | −$125 | −$0 | $1,165 | 1.94% |
| 12 | TD Aeroplan Visa Business Card Aeroplan points @ 1.8¢ | $1,152 | — | −$0 | −$0 | $1,152 | 1.92% |
| 13 | Capital One Smart Rewards Mastercard Points @ 1¢ | $1,150 | — | −$0 | −$0 | $1,150 | 1.92% |
| 14 | PC Money Account PC Optimum points @ 1¢ | $1,150 | — | −$0 | −$0 | $1,150 | 1.92% |
| 15 | Neo World Elite Mastercard - Gas & Grocery Cash back @ 1¢ | $1,290 | — | −$149 | −$0 | $1,141 | 1.90% |
| 16 | TDAeroplan Visa Infinite Card Aeroplan points @ 1.8¢ | $1,134 | — | −$0 | −$0 | $1,134 | 1.89% |
| 17 | Scotia Momentum Visa Infinite+ Card Cash back @ 1¢ | $1,130 | — | −$0 | −$0 | $1,130 | 1.88% |
| 18 | TD First Class TD Rewards @ 0.5¢ | $1,287 | $100 | −$139 | −$125 | $1,123 | 1.87% |
| 19 | American Express Aeroplan Card Aeroplan points @ 1.8¢ | $1,242 | — | −$120 | −$0 | $1,122 | 1.87% |
| 20 | CIBC Aeroplan Visa Business Card Aeroplan points @ 1.8¢ | $1,278 | — | −$180 | −$0 | $1,098 | 1.83% |
| 21 | American Express Gold Rewards Card Membership Rewards @ 1.5¢ | $1,335 | — | −$250 | −$0 | $1,085 | 1.81% |
| 22 | CIBC Dividend Visa Infinite Card Cash back @ 1¢ | $1,170 | — | −$120 | −$0 | $1,050 | 1.75% |
| 23 | CIBC Dividend Visa Infinite Card (QC) Cash back @ 1¢ | $1,170 | — | −$120 | −$0 | $1,050 | 1.75% |
| 24 | BMO eclipse Visa Infinite Card BMO Rewards @ 0.67¢ | $1,012 | — | −$0 | −$0 | $1,012 | 1.69% |
| 25 | CIBC Aeroplan Visa Infinite Card Aeroplan points @ 1.8¢ | $1,134 | — | −$139 | −$0 | $995 | 1.66% |
| 26 | Meridian Visa Infinite Cash Back Card Cash back @ 1¢ | $1,090 | — | −$99 | −$0 | $991 | 1.65% |
| 27 | BMO VIPorter World Elite Mastercard VIPorter points @ 1¢ | $990 | — | −$0 | −$0 | $990 | 1.65% |
| 28 | TD Cash Back Visa Infinite Card Cash back @ 1¢ | $990 | — | −$0 | −$0 | $990 | 1.65% |
| 29 | SimplyCash Preferred Card from American Express Cash back @ 1¢ | $1,180 | — | −$199 | −$0 | $981 | 1.64% |
| 30 | Marriott Bonvoy American Express Card Marriott Bonvoy points @ 1¢ | $1,100 | — | −$120 | −$0 | $980 | 1.63% |
| 31 | TD Platinum Travel Visa Card TD Rewards @ 0.5¢ | $973 | — | −$0 | −$0 | $973 | 1.62% |
| 32 | Desjardins Cash Back World Elite Mastercard Cash back @ 1¢ | $1,070 | — | −$100 | −$0 | $970 | 1.62% |
| 33 | American Express Aeroplan Reserve Card Aeroplan points @ 1.8¢ | $1,562 | — | −$599 | −$0 | $963 | 1.60% |
| 34 | Desjardins Odyssey Visa Infinite Privilege BONUSDOLLAR @ 1¢ | $1,343 | — | −$395 | −$0 | $948 | 1.58% |
| 35 | ATB Gold My Rewards Travel Mastercard ATB Rewards @ 1¢ | $945 | — | −$0 | −$0 | $945 | 1.57% |
| 36 | 1st Choice Savings Cash Back World Elite Mastercard Cash back @ 1¢ | $1,050 | — | −$120 | −$0 | $930 | 1.55% |
| 37 | Alterna Cash Back Visa Infinite Cash back @ 1¢ | $1,050 | — | −$120 | −$0 | $930 | 1.55% |
| 38 | SCU Cash Back World Elite Mastercard Cash back @ 1¢ | $1,050 | — | −$120 | −$0 | $930 | 1.55% |
| 39 | CIBC Dividend Platinum Visa Card Cash back @ 1¢ | $1,010 | — | −$99 | −$0 | $911 | 1.52% |
| 40 | Scotiabank American Express Card Scene+ points @ 1¢ | $910 | — | −$0 | −$0 | $910 | 1.52% |
| 41 | Neo World Elite Mastercard - Shop & Dine Cash back @ 1¢ | $1,050 | — | −$149 | −$0 | $901 | 1.50% |
| 42 | CIBC Aeroplan Visa Card Aeroplan points @ 1.8¢ | $901 | — | −$0 | −$0 | $901 | 1.50% |
| 43 | CIBC Aeroplan Visa Card for students Aeroplan points @ 1.8¢ | $901 | — | −$0 | −$0 | $901 | 1.50% |
| 44 | PC World Elite Mastercard PC Optimum points @ 1¢ | $870 | — | −$0 | −$0 | $870 | 1.45% |
| 45 | Vancity enviro Visa Infinite Card Vancity Rewards @ 1¢ | $868 | — | −$0 | −$0 | $868 | 1.45% |
| 46 | Desjardins Odyssey World Elite Mastercard BONUSDOLLARS @ 1¢ | $970 | — | −$130 | −$0 | $840 | 1.40% |
| 47 | Zolve Classic Credit Card Z-Points @ 1¢ | $835 | — | −$0 | −$0 | $835 | 1.39% |
| 48 | Scotia Momentum for Business VISA card Cash back @ 1¢ | $910 | — | −$79 | −$0 | $831 | 1.39% |
| 49 | American Express Green Card Membership Rewards @ 1.5¢ | $825 | — | −$0 | −$0 | $825 | 1.38% |
| 50 | American Express Aeroplan Business Reserve Card Aeroplan points @ 1.8¢ | $1,418 | — | −$599 | −$0 | $819 | 1.36% |
| 51 | BMO Eclipse BMO Rewards @ 0.67¢ | $1,012 | $50 | −$120 | −$125 | $817 | 1.36% |
| 52 | TDAeroplan Visa Platinum Card Aeroplan points @ 1.8¢ | $901 | — | −$89 | −$0 | $812 | 1.35% |
| 53 | MBNA Rewards Platinum PlusMastercard (QC) MBNA Rewards @ 1¢ | $810 | — | −$0 | −$0 | $810 | 1.35% |
| 54 | MBNA Rewards Platinum PlusMastercard MBNA Rewards @ 1¢ | $810 | — | −$0 | −$0 | $810 | 1.35% |
| 55 | TD Business Travel Visa Card TD Rewards @ 0.5¢ | $950 | — | −$149 | −$0 | $801 | 1.33% |
| 56 | Simplii Financial Cash Back Visa Card Cash back @ 1¢ | $795 | — | −$0 | −$0 | $795 | 1.32% |
| 57 | Sample Credit Card Cash back @ 1¢ | $790 | — | −$0 | −$0 | $790 | 1.32% |
| 58 | CIBC Costco Mastercard Cash back @ 1¢ | $790 | — | −$0 | −$0 | $790 | 1.32% |
| 59 | Walmart Rewards Mastercard Walmart Rewards Dollars @ 1¢ | $790 | — | −$0 | −$0 | $790 | 1.32% |
| 60 | CIBC Costco World Mastercard Cash back @ 1¢ | $790 | — | −$0 | −$0 | $790 | 1.32% |
| 61 | Tangerine Money-Back Credit Card Cash back @ 1¢ | $775 | — | −$0 | −$0 | $775 | 1.29% |
| 62 | CIBC Aeroplan Visa Infinite Privilege Card Aeroplan points @ 1.8¢ | $1,364 | — | −$599 | −$0 | $765 | 1.27% |
| 63 | TDAeroplan Visa Infinite Privilege Card Aeroplan points @ 1.8¢ | $1,364 | — | −$599 | −$0 | $765 | 1.27% |
| 64 | ManulifeMONEY+ Visa Infinite Cash back @ 1¢ | $890 | — | −$139 | −$0 | $751 | 1.25% |
| 65 | PC World Mastercard PC Optimum points @ 1¢ | $750 | — | −$0 | −$0 | $750 | 1.25% |
| 66 | 1st Choice Savings World Mastercard points @ 1¢ | $870 | — | −$120 | −$0 | $750 | 1.25% |
| 67 | Alterna Visa Infinite Points @ 1¢ | $870 | — | −$120 | −$0 | $750 | 1.25% |
| 68 | SCU World Mastercard Genius Points @ 1¢ | $870 | — | −$120 | −$0 | $750 | 1.25% |
| 69 | WestJet RBC World Elite Mastercard WestJet dollars @ 1¢ | $885 | — | −$139 | −$0 | $746 | 1.24% |
| 70 | Laurentian Bank Visa Infinite Laurentian points @ 1¢ | $870 | — | −$130 | −$0 | $740 | 1.23% |
| 71 | National Bank Platinum Mastercard Points @ 1¢ | $801 | — | −$70 | −$0 | $731 | 1.22% |
| 72 | Scotia Momentum Visa Card Cash back @ 1¢ | $770 | — | −$49 | −$0 | $721 | 1.20% |
| 73 | BMO CashBack Mastercard Cash back @ 1¢ | $715 | — | −$0 | −$0 | $715 | 1.19% |
| 74 | BMO CashBackMastercard for students Cash back @ 1¢ | $715 | — | −$0 | −$0 | $715 | 1.19% |
| 75 | Tangerine Money-Back World Mastercard Cash back @ 1¢ | $715 | — | −$0 | −$0 | $715 | 1.19% |
| 76 | Laurentian Bank Visa Cashback Cash back @ 1¢ | $770 | — | −$65 | −$0 | $705 | 1.18% |
| 77 | Neo World Mastercard - Gas & Grocery Cash back @ 1¢ | $695 | — | −$0 | −$0 | $695 | 1.16% |
| 78 | TD Aeroplan VIP Aeroplan points @ 1.8¢ | $1,391 | $25 | −$599 | −$125 | $692 | 1.15% |
| 79 | BMO eclipse Visa Infinite Privilege Card BMO Rewards @ 0.67¢ | $1,280 | — | −$599 | −$0 | $681 | 1.13% |
| 80 | CIBC Adapta Mastercard Adapta points @ 1¢ | $680 | — | −$0 | −$0 | $680 | 1.13% |
| 81 | SimplyCash Card from American Express Cash back @ 1¢ | $748 | — | −$71 | −$0 | $677 | 1.13% |
| 82 | Meridian Visa Infinite Travel Rewards Card Meridian points @ 1¢ | $675 | — | −$0 | −$0 | $675 | 1.13% |
| 83 | Scotiabank Passport Visa Infinite+ Card Scene+ points @ 1¢ | $950 | — | −$150 | −$125 | $675 | 1.13% |
| 84 | MBNA Smart Cash World Mastercard Cash back @ 1¢ | $710 | — | −$39 | −$0 | $671 | 1.12% |
| 85 | MBNA Smart Cash World Mastercard (QC) Cash back @ 1¢ | $710 | — | −$39 | −$0 | $671 | 1.12% |
| 86 | Scotiabank Scene+ Visa Card Scene+ points @ 1¢ | $670 | — | −$0 | −$0 | $670 | 1.12% |
| 87 | RBC Cash Back Mastercard Cash back @ 1¢ | $670 | — | −$0 | −$0 | $670 | 1.12% |
| 88 | moi RBC Visa‡ moi points @ 1¢ | $670 | — | −$0 | −$0 | $670 | 1.12% |
| 89 | Cathay World Elite Mastercard Asia Miles @ 1¢ | $850 | — | −$180 | −$0 | $670 | 1.12% |
| 90 | Canadian Tire Cash Advantage Mastercard Cash back @ 1¢ | $665 | — | −$0 | −$0 | $665 | 1.11% |
| 91 | RBC British Airways Visa Infinite‡ British Airways Avios @ 1¢ | $830 | — | −$165 | −$0 | $665 | 1.11% |
| 92 | Meridian Visa Platinum Cash Back Card Cash back @ 1¢ | $710 | — | −$49 | −$0 | $661 | 1.10% |
| 93 | TD Rewards Visa Card TD Rewards @ 0.5¢ | $655 | — | −$0 | −$0 | $655 | 1.09% |
| 94 | WestJet RBC World Elite Mastercard for Business WestJet dollars @ 1¢ | $825 | — | −$175 | −$0 | $650 | 1.08% |
| 95 | MBNA Smart Cash Platinum Plus Mastercard (QC) Cash back @ 1¢ | $635 | — | −$0 | −$0 | $635 | 1.06% |
| 96 | MBNA Smart Cash Platinum Plus Mastercard Cash back @ 1¢ | $635 | — | −$0 | −$0 | $635 | 1.06% |
| 97 | PC Mastercard PC Optimum points @ 1¢ | $630 | — | −$0 | −$0 | $630 | 1.05% |
| 98 | Desjardins Visa Odyssey Gold BONUSDOLLARS @ 1¢ | $738 | — | −$110 | −$0 | $628 | 1.05% |
| 99 | American Express Business Gold Rewards Card Membership Rewards @ 1.5¢ | $825 | — | −$199 | −$0 | $626 | 1.04% |
| 100 | Rogers Red World Elite Mastercard Cash back @ 1¢ | $625 | — | −$0 | −$0 | $625 | 1.04% |
| 101 | Desjardins Cash Back Mastercard Cash back @ 1¢ | $615 | — | −$0 | −$0 | $615 | 1.03% |
| 102 | Desjardins Bonus Visa BONUSDOLLARS @ 1¢ | $615 | — | −$0 | −$0 | $615 | 1.03% |
| 103 | Desjardins Cash Back Visa Cash back @ 1¢ | $615 | — | −$0 | −$0 | $615 | 1.03% |
| 104 | Tangerine Rewards World Elite Mastercard Scene+ points @ 1¢ | $730 | — | −$120 | −$0 | $610 | 1.02% |
| 105 | RBC ION Visa RBC Rewards @ 1¢ | $610 | — | −$0 | −$0 | $610 | 1.02% |
| 106 | Meridian Visa Platinum Travel Rewards Card Travel rewards @ 1¢ | $650 | — | −$49 | −$0 | $601 | 1.00% |
| 107 | WestJet RBC Mastercard WestJet dollars @ 1¢ | $640 | — | −$39 | −$0 | $601 | 1.00% |
| 108 | National Bank ECHO Cashback Mastercard Cash back @ 1¢ | $630 | — | −$30 | −$0 | $600 | 1.00% |
| 109 | Neo Secured World Mastercard Cash back @ 1¢ | $695 | — | −$96 | −$0 | $599 | 1.00% |
| 110 | Amex Platinum Membership Rewards @ 1.5¢ | $1,095 | $425 | −$799 | −$125 | $596 | 0.99% |
| 111 | CIBC Dividend Visa Card Cash back @ 1¢ | $595 | — | −$0 | −$0 | $595 | 0.99% |
| 112 | CIBC DividendVisa Card for Students Cash back @ 1¢ | $595 | — | −$0 | −$0 | $595 | 0.99% |
| 113 | ManulifeMONEY+ Visa Platinum Cash back @ 1¢ | $595 | — | −$0 | −$0 | $595 | 0.99% |
| 114 | CIBC Aventura Gold Visa Card CIBC Aventura points @ 1¢ | $730 | — | −$139 | −$0 | $591 | 0.98% |
| 115 | CIBC Aventura Visa Infinite Card CIBC Aventura points @ 1¢ | $730 | — | −$139 | −$0 | $591 | 0.98% |
| 116 | CIBC Aventura Gold Visa Card (QC) CIBC Aventura points @ 1¢ | $730 | — | −$139 | −$0 | $591 | 0.98% |
| 117 | CIBC Aventura Visa Infinite Card (QC) CIBC Aventura points @ 1¢ | $730 | — | −$139 | −$0 | $591 | 0.98% |
| 118 | BMO eclipse rise Visa Card BMO Rewards @ 0.67¢ | $580 | — | −$0 | −$0 | $580 | 0.97% |
| 119 | TD Business Cash Back Visa Card Cash back @ 1¢ | $575 | — | −$0 | −$0 | $575 | 0.96% |
| 120 | BMO CashBack Business Mastercard Cash back @ 1¢ | $563 | — | −$0 | −$0 | $563 | 0.94% |
| 121 | BMO Blue Rewards World Elite Mastercard Blue Rewards @ 1¢ | $710 | — | −$150 | −$0 | $560 | 0.93% |
| 122 | Neo World Mastercard - Shop & Dine Cash back @ 1¢ | $555 | — | −$0 | −$0 | $555 | 0.92% |
| 123 | Neo World Elite Mastercard - Everywhere Cash back @ 1¢ | $700 | — | −$149 | −$0 | $551 | 0.92% |
| 124 | CIBC bizline Visa Card for Small Business N/A @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 125 | CIBC Aventura Visa Card for Business CIBC Aventura points @ 1¢ | $670 | — | −$120 | −$0 | $550 | 0.92% |
| 126 | National Bank Mastercard Business Card Cash back @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 127 | RBC Business Cash Back Mastercard Cash back @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 128 | Rogers Red World Elite Business Mastercard Cash back @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 129 | Rogers Red World Mastercard Cash back @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 130 | Neo World Mastercard - Everywhere Cash back @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 131 | Capital One Aspire Cash Platinum Mastercard Cash back @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 132 | Capital One Aspire Travel Platinum Mastercard miles @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 133 | Neo Mastercard Cash back @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 134 | Joker Prepaid Mastercard Cash back @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 135 | Rogers Red Mastercard Cash back @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 136 | Desjardins Flexi Visa N/A @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 137 | Scotiabank Value Visa Card Cash back @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 138 | CIBC Classic Visa Card for Students None @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 139 | National Bank MC1 Mastercard None @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 140 | RBC Visa Platinum Cash back @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 141 | MBNA True LineMastercard Cash back @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 142 | CIBC Classic Visa Card N/A @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 143 | Float Card Cash back @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 144 | Scotia Home Hardware PRO Visa Business Card Scene+ points @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 145 | Home Trust Preferred Visa Cash back @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 146 | Walmart Rewards World Mastercard Walmart Rewards Dollars @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 147 | BMO Preferred Rate Mastercard Cash back @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 148 | RBC RateAdvantage Visa Cash back @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 149 | RBC Visa‡ Classic Low Rate Option N/A @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 150 | Scotiabank Scene+ Visa Card for Students Scene+ Points @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 151 | ATB Gold Cash Rewards Mastercard Cash back @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 152 | ATB Alberta Mastercard None @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 153 | Home Depot Project Loan Card None @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 154 | Wealthsimple Prepaid Mastercard Cash back @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 155 | Capital One Guaranteed Secured Mastercard N/A @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 156 | Capital One Guaranteed Mastercard Cash back @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 157 | Alterna Visa Classic N/A @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 158 | Loop Card Cash back @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 159 | Servus Business No Fee Mastercard None @ 1¢ | $550 | — | −$0 | −$0 | $550 | 0.92% |
| 160 | Servus World Elite Mastercard Servus Circle Rewards @ 1¢ | $700 | — | −$150 | −$0 | $550 | 0.92% |
| 161 | BMO Ascend BMO Rewards @ 0.67¢ | $824 | — | −$150 | −$125 | $549 | 0.92% |
| 162 | RBC Visa Business Card N/A @ 1¢ | $550 | — | −$12 | −$0 | $538 | 0.90% |
| 163 | Venn Corporate Card Cash back @ 1¢ | $550 | — | −$0 | −$13 | $538 | 0.90% |
| 164 | ATB Load & Go Mastercard None @ 1¢ | $550 | — | −$15 | −$0 | $535 | 0.89% |
| 165 | 1st Choice Savings Classic Mastercard points @ 1¢ | $550 | — | −$20 | −$0 | $530 | 0.88% |
| 166 | SCU Classic Mastercard None @ 1¢ | $550 | — | −$20 | −$0 | $530 | 0.88% |
| 167 | CIBC Aventura Visa Infinite Privilege Card CIBC Aventura points @ 1¢ | $1,028 | — | −$499 | −$0 | $529 | 0.88% |
| 168 | FlexitiCard None @ 1¢ | $550 | — | −$25 | −$0 | $525 | 0.88% |
| 169 | 1st Choice Savings Low Rate Visa Business Card points @ 1¢ | $550 | — | −$25 | −$0 | $525 | 0.88% |
| 170 | American Express Essential Credit Card N/A @ 1¢ | $550 | — | −$25 | −$0 | $525 | 0.88% |
| 171 | TD Low Rate Visa Card Cash back @ 1¢ | $550 | — | −$25 | −$0 | $525 | 0.88% |
| 172 | CIBC Select Visa Card None @ 1¢ | $550 | — | −$29 | −$0 | $521 | 0.87% |
| 173 | ATB Preferred Fixed-Rate Mastercard Cash back @ 1¢ | $550 | — | −$29 | −$0 | $521 | 0.87% |
| 174 | ATB Preferred Variable-Rate Mastercard N/A @ 1¢ | $550 | — | −$29 | −$0 | $521 | 0.87% |
| 175 | Visa Desjardins US Business Card None @ 1¢ | $550 | — | −$30 | −$0 | $520 | 0.87% |
| 176 | Servus Low Rate Mastercard None @ 1¢ | $550 | — | −$30 | −$0 | $520 | 0.87% |
| 177 | Laurentian Bank Visa Reduced Rate none @ 1¢ | $550 | — | −$30 | −$0 | $520 | 0.87% |
| 178 | National Bank Syncro Mastercard N/A @ 1¢ | $550 | — | −$35 | −$0 | $515 | 0.86% |
| 179 | Scotiabank US Dollar Visa Card Cash back @ 1¢ | $550 | — | −$35 | −$0 | $515 | 0.86% |
| 180 | MBNA True Line Gold Mastercard None @ 1¢ | $550 | — | −$39 | −$0 | $511 | 0.85% |
| 181 | ATB Alberta Secured Mastercard None @ 1¢ | $550 | — | −$49 | −$0 | $501 | 0.83% |
| 182 | National Bank Platinum Mastercard Business Card Points @ 1¢ | $625 | — | −$125 | −$0 | $500 | 0.83% |
| 183 | 1st Choice Savings Centra Visa Gold Card Points @ 1¢ | $550 | — | −$50 | −$0 | $500 | 0.83% |
| 184 | Alterna Centra Visa Gold Points @ 1¢ | $550 | — | −$50 | −$0 | $500 | 0.83% |
| 185 | SCU Centra Visa Gold Card Points @ 1¢ | $550 | — | −$50 | −$0 | $500 | 0.83% |
| 186 | Air France KLM World Elite MasterCard Flying Blue Miles @ 1¢ | $630 | — | −$132 | −$0 | $498 | 0.83% |
| 187 | KOHO Everything Mastercard Cash back @ 1¢ | $675 | — | −$177 | −$0 | $498 | 0.83% |
| 188 | 1st Choice Savings Visa Infinite Business Card points @ 1¢ | $625 | — | −$130 | −$0 | $495 | 0.83% |
| 189 | MyVanilla Prepaid Mastercard None @ 1¢ | $550 | — | −$59 | −$0 | $491 | 0.82% |
| 190 | Visa Desjardins Business Card Cash back @ 1¢ | $550 | — | −$60 | −$0 | $490 | 0.82% |
| 191 | BMO VIPorter Mastercard VIPorter Points @ 1¢ | $575 | — | −$89 | −$0 | $486 | 0.81% |
| 192 | BMO Blue Rewards Mastercard Blue Rewards @ 1¢ | $475 | — | −$0 | −$0 | $475 | 0.79% |
| 193 | National Bank mycredit Mastercard Cash back @ 1¢ | $475 | — | −$0 | −$0 | $475 | 0.79% |
| 194 | 1st Choice Savings No Fee Cash Back Visa Business Card Cash back @ 1¢ | $475 | — | −$0 | −$0 | $475 | 0.79% |
| 195 | CIBC Aventura Visa Card CIBC Aventura points @ 1¢ | $475 | — | −$0 | −$0 | $475 | 0.79% |
| 196 | EQ Bank Card Cash back @ 1¢ | $475 | — | −$0 | −$0 | $475 | 0.79% |
| 197 | CIBC Aventura Visa Card for Students CIBC Aventura points @ 1¢ | $475 | — | −$0 | −$0 | $475 | 0.79% |
| 198 | 1st Choice Savings Cash Back Mastercard Cash back @ 1¢ | $475 | — | −$0 | −$0 | $475 | 0.79% |
| 199 | National Bank Allure Mastercard Cash back @ 1¢ | $475 | — | −$0 | −$0 | $475 | 0.79% |
| 200 | Scotia Momentum No-Fee Visa Card Cash back @ 1¢ | $475 | — | −$0 | −$0 | $475 | 0.79% |
| 201 | TD Cash Back Visa Card Cash back @ 1¢ | $475 | — | −$0 | −$0 | $475 | 0.79% |
| 202 | Scotiabank Momentum Mastercard Credit Card Cash back @ 1¢ | $475 | — | −$0 | −$0 | $475 | 0.79% |
| 203 | Vancity enviro Visa Classic card with Vancity Rewards Vancity Rewards @ 1¢ | $475 | — | −$0 | −$0 | $475 | 0.79% |
| 204 | Alterna Cash Back Visa Cash back @ 1¢ | $475 | — | −$0 | −$0 | $475 | 0.79% |
| 205 | Meridian Visa Cash Back Card Cash back @ 1¢ | $475 | — | −$0 | −$0 | $475 | 0.79% |
| 206 | Servus No Fee Mastercard Servus Circle Rewards @ 1¢ | $475 | — | −$0 | −$0 | $475 | 0.79% |
| 207 | Servus Business Rewards Mastercard Rewards points @ 1¢ | $550 | — | −$75 | −$0 | $475 | 0.79% |
| 208 | SCU Cash Back Mastercard Cash back @ 1¢ | $475 | — | −$0 | −$0 | $475 | 0.79% |
| 209 | Servus Gold Mastercard Points @ 1¢ | $550 | — | −$75 | −$0 | $475 | 0.79% |
| 210 | Servus Business Low Rate Mastercard N/A @ 1¢ | $550 | — | −$75 | −$0 | $475 | 0.79% |
| 211 | Laurentian Bank Visa Reward Me Rewards Points @ 1¢ | $475 | — | −$0 | −$0 | $475 | 0.79% |
| 212 | National Bank World Mastercard À la carte points @ 1¢ | $588 | — | −$115 | −$0 | $473 | 0.79% |
| 213 | Affinity Mastercard points @ 1¢ | $468 | — | −$0 | −$0 | $468 | 0.78% |
| 214 | RBC U.S. Dollar Visa Gold RBC Rewards @ 1¢ | $550 | — | −$86 | −$0 | $464 | 0.77% |
| 215 | Wealthsimple Visa Infinite+ Cash back @ 1¢ | $700 | — | −$240 | −$0 | $460 | 0.77% |
| 216 | Wealthsimple Visa Infinite Privilege Cash back @ 1¢ | $700 | — | −$240 | −$0 | $460 | 0.77% |
| 217 | RBC Avion Visa Infinite RBC Rewards @ 1¢ | $575 | — | −$120 | −$0 | $455 | 0.76% |
| 218 | RBC Visa Platinum Avion RBC Rewards @ 1¢ | $575 | — | −$120 | −$0 | $455 | 0.76% |
| 219 | RBC Cash Back Preferred World Elite Mastercard Cash back @ 1¢ | $550 | — | −$99 | −$0 | $451 | 0.75% |
| 220 | Home Trust Secured Visa Card None @ 1¢ | $550 | — | −$0 | −$100 | $450 | 0.75% |
| 221 | UnitedMileagePlus Secured Neo World Elite Mastercard MileagePlus miles @ 1¢ | $538 | — | −$89 | −$0 | $449 | 0.75% |
| 222 | RBC Visa Business Platinum Avion RBC Rewards @ 1¢ | $550 | — | −$120 | −$0 | $430 | 0.72% |
| 223 | Scotiabank Passport Visa Infinite Business Card Scene+ points @ 1¢ | $625 | — | −$199 | −$0 | $426 | 0.71% |
| 224 | 1st Choice Savings US Dollar Mastercard Cash back @ 1¢ | $475 | — | −$50 | −$0 | $425 | 0.71% |
| 225 | Vancity enviro Visa Classic card Low interest rate + Vancity Rewards Vancity Rewards @ 1¢ | $475 | — | −$50 | −$0 | $425 | 0.71% |
| 226 | Amazon.ca Rewards Mastercard Amazon Rewards @ 1¢ | $550 | — | −$0 | −$125 | $425 | 0.71% |
| 227 | Alterna U.S. Dollar Visa Points @ 1¢ | $475 | — | −$50 | −$0 | $425 | 0.71% |
| 228 | SCU US Dollar Mastercard Points @ 1¢ | $475 | — | −$50 | −$0 | $425 | 0.71% |
| 229 | UnitedMileagePlus Neo World Elite Mastercard MileagePlus miles @ 1¢ | $513 | — | −$89 | −$0 | $424 | 0.71% |
| 230 | CIBC U.S. Dollar Aventura Gold Visa Card CIBC Aventura points @ 1¢ | $475 | — | −$57 | −$0 | $418 | 0.70% |
| 231 | RBC Avion Visa Infinite Business RBC Rewards @ 1¢ | $588 | — | −$175 | −$0 | $413 | 0.69% |
| 232 | Neo Chequing Account Cash back @ 1¢ | $408 | — | −$0 | −$0 | $408 | 0.68% |
| 233 | Affinity World Elite Mastercard points @ 1¢ | $550 | — | −$144 | −$0 | $406 | 0.68% |
| 234 | ATB US Dollar Mastercard N/A @ 1¢ | $550 | — | −$19 | −$125 | $406 | 0.68% |
| 235 | Brim Mastercard Cash back @ 1¢ | $475 | — | −$0 | −$75 | $400 | 0.67% |
| 236 | KOHO Extra Mastercard Cash back @ 1¢ | $538 | — | −$144 | −$0 | $394 | 0.66% |
| 237 | Home Trust Secured Visa (Low Rate) None @ 1¢ | $550 | — | −$59 | −$100 | $391 | 0.65% |
| 238 | Brim World Elite Mastercard Cash back @ 1¢ | $550 | — | −$89 | −$75 | $386 | 0.64% |
| 239 | TD U.S. Dollar Visa Card N/A @ 1¢ | $550 | — | −$39 | −$125 | $386 | 0.64% |
| 240 | Marriott Bonvoy Business American Express Card Marriott Bonvoy points @ 1¢ | $1,140 | — | −$776 | −$0 | $364 | 0.61% |
| 241 | Meridian Visa US Dollar Card Rewards Points @ 1¢ | $550 | — | −$65 | −$125 | $360 | 0.60% |
| 242 | BMO U.S. Dollar Mastercard None @ 1¢ | $550 | — | −$66 | −$125 | $359 | 0.60% |
| 243 | KOHO Essential Mastercard Cash back @ 1¢ | $475 | — | −$48 | −$75 | $352 | 0.59% |
| 244 | BMO Ascend World Elite Business Mastercard BMO Rewards @ 0.67¢ | $499 | — | −$149 | −$0 | $350 | 0.58% |
| 245 | Neo Secured Mastercard Cash back @ 1¢ | $550 | — | −$96 | −$125 | $329 | 0.55% |
| 246 | Scotiabank American Express Platinum Card Scene+ points @ 1¢ | $700 | — | −$399 | −$0 | $301 | 0.50% |
| 247 | The Platinum Card Membership Rewards @ 1.5¢ | $1,095 | — | −$800 | −$0 | $295 | 0.49% |
| 248 | Affinity World Mastercard Affinity points @ 1¢ | $415 | — | −$120 | −$0 | $295 | 0.49% |
| 249 | Scotiabank Passport Visa Infinite Privilege Card Scene+ points @ 1¢ | $830 | — | −$599 | −$0 | $231 | 0.39% |
| 250 | RBC Avion Visa Infinite Privilege RBC Rewards @ 1¢ | $588 | — | −$399 | −$0 | $189 | 0.31% |
| 251 | Triangle World Elite Mastercard CT Money @ 1¢ | $170 | — | −$0 | −$0 | $170 | 0.28% |
| 252 | Triangle Mastercard CT Money @ 1¢ | $166 | — | −$0 | −$0 | $166 | 0.28% |
| 253 | Rogers Red World Legend Mastercard Cash back @ 1¢ | $625 | — | −$495 | −$0 | $130 | 0.22% |
| 254 | PC Insiders World Elite Mastercard PC Optimum points @ 1¢ | $247 | — | −$120 | −$0 | $127 | 0.21% |
| 255 | The Business Platinum Card from American Express Membership Rewards @ 1.5¢ | $881 | — | −$800 | −$0 | $81 | 0.14% |
02
Show the Math
rate × annual spend × point value = $ earned
ATB Rewards Points @ 1¢/pt+$2,900rewards / yr
ATB Rewards Points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 6× | $12,000 | 1¢ | $720 |
| Dining | 6× | $8,000 | 1¢ | $480 |
| Travel | 8× | $10,000 | 1¢ | $800 |
| Gas | 6× | $4,000 | 1¢ | $240 |
| Recurring | 6× | $6,000 | 1¢ | $360 |
| All Other | 2× | $15,000 | 1¢ | $300 |
| Subtotal (excl. foreign spend) | $2,900 | |||
More Rewards points @ 1¢/pt+$2,540rewards / yr
More Rewards points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 8× | $8,000 | 1¢ | $640 |
| Travel | 8× | $10,000 | 1¢ | $800 |
| Gas | 8× | $4,000 | 1¢ | $320 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 4× | $15,000 | 1¢ | $600 |
| Subtotal (excl. foreign spend) | $2,540 | |||
Membership Rewards @ 1.5¢/pt+$2,265rewards / yr
Membership Rewards @ 1.5¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 5× | $12,000 | 1.5¢ | $900 |
| Dining | 5× | $8,000 | 1.5¢ | $600 |
| Travel | 1× | $10,000 | 1.5¢ | $150 |
| Gas | 2× | $4,000 | 1.5¢ | $120 |
| Recurring | 3× | $6,000 | 1.5¢ | $270 |
| All Other | 1× | $15,000 | 1.5¢ | $225 |
| Subtotal (excl. foreign spend) | $2,265 | |||
MBNA Rewards points @ 1¢/pt+$1,750rewards / yr
MBNA Rewards points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 5× | $12,000 | 1¢ | $600 |
| Dining | 5× | $8,000 | 1¢ | $400 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 5× | $4,000 | 1¢ | $200 |
| Recurring | 5× | $6,000 | 1¢ | $300 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $1,750 | |||
MBNA Rewards @ 1¢/pt+$1,590rewards / yr
MBNA Rewards @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 5× | $12,000 | 1¢ | $600 |
| Dining | 5× | $8,000 | 1¢ | $400 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 5× | $6,000 | 1¢ | $300 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $1,590 | |||
Scene+ points @ 1¢/pt+$1,550rewards / yr
Scene+ points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 6× | $12,000 | 1¢ | $720 |
| Dining | 5× | $8,000 | 1¢ | $400 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 3× | $4,000 | 1¢ | $120 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $1,550 | |||
National Bank Rewards @ 1¢/pt+$1,550rewards / yr
National Bank Rewards @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 5× | $12,000 | 1¢ | $600 |
| Dining | 5× | $8,000 | 1¢ | $400 |
| Travel | 2× | $10,000 | 1¢ | $200 |
| Gas | 2× | $4,000 | 1¢ | $80 |
| Recurring | 2× | $6,000 | 1¢ | $120 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $1,550 | |||
More Rewards points @ 1¢/pt+$1,330rewards / yr
More Rewards points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 5× | $8,000 | 1¢ | $400 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 5× | $4,000 | 1¢ | $200 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 3× | $15,000 | 1¢ | $450 |
| Subtotal (excl. foreign spend) | $1,330 | |||
TD Rewards @ 0.5¢/pt+$1,290rewards / yr
TD Rewards @ 0.5¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 6× | $12,000 | 0.5¢ | $360 |
| Dining | 6× | $8,000 | 0.5¢ | $240 |
| Travel | 8× | $10,000 | 0.5¢ | $400 |
| Gas | 1× | $4,000 | 0.5¢ | $20 |
| Recurring | 4× | $6,000 | 0.5¢ | $120 |
| All Other | 2× | $15,000 | 0.5¢ | $150 |
| Subtotal (excl. foreign spend) | $1,290 | |||
Cash back @ 1¢/pt+$1,170rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 5× | $12,000 | 1¢ | $600 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 3× | $4,000 | 1¢ | $120 |
| Recurring | 2× | $6,000 | 1¢ | $120 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $1,170 | |||
Cash back @ 1¢/pt+$1,290rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 5× | $12,000 | 1¢ | $600 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 3× | $4,000 | 1¢ | $120 |
| Recurring | 4× | $6,000 | 1¢ | $240 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $1,290 | |||
Aeroplan points @ 1.8¢/pt+$1,152rewards / yr
Aeroplan points @ 1.8¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1.8¢ | $216 |
| Dining | 1.5× | $8,000 | 1.8¢ | $216 |
| Travel | 1.5× | $10,000 | 1.8¢ | $270 |
| Gas | 1× | $4,000 | 1.8¢ | $72 |
| Recurring | 1× | $6,000 | 1.8¢ | $108 |
| All Other | 1× | $15,000 | 1.8¢ | $270 |
| Subtotal (excl. foreign spend) | $1,152 | |||
Points @ 1¢/pt+$1,150rewards / yr
Points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 5× | $15,000 | 1¢ | $750 |
| Subtotal (excl. foreign spend) | $1,150 | |||
PC Optimum points @ 1¢/pt+$1,150rewards / yr
PC Optimum points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 5× | $15,000 | 1¢ | $750 |
| Subtotal (excl. foreign spend) | $1,150 | |||
Cash back @ 1¢/pt+$1,290rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 5× | $12,000 | 1¢ | $600 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 3× | $4,000 | 1¢ | $120 |
| Recurring | 4× | $6,000 | 1¢ | $240 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $1,290 | |||
Aeroplan points @ 1.8¢/pt+$1,134rewards / yr
Aeroplan points @ 1.8¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1.5× | $12,000 | 1.8¢ | $324 |
| Dining | 1× | $8,000 | 1.8¢ | $144 |
| Travel | 1× | $10,000 | 1.8¢ | $180 |
| Gas | 1.5× | $4,000 | 1.8¢ | $108 |
| Recurring | 1× | $6,000 | 1.8¢ | $108 |
| All Other | 1× | $15,000 | 1.8¢ | $270 |
| Subtotal (excl. foreign spend) | $1,134 | |||
Cash back @ 1¢/pt+$1,130rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 4× | $12,000 | 1¢ | $480 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 2× | $4,000 | 1¢ | $80 |
| Recurring | 4× | $6,000 | 1¢ | $240 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $1,130 | |||
TD First ClassTD Rewards @ 0.5¢/pt+$1,287rewards / yr
TD First Class
TD Rewards @ 0.5¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceriescap $25,000/year · shared w/ Dining, Recurring · budget $11,538 $462 over cap @ 1× | 6× | $12,000 | 0.5¢ | $348 |
| Diningcap $25,000/year · shared w/ Groceries, Recurring · budget $7,692 $308 over cap @ 1× | 6× | $8,000 | 0.5¢ | $232 |
| Travel | 8× | $10,000 | 0.5¢ | $400 |
| Gas | 2× | $4,000 | 0.5¢ | $40 |
| Recurringcap $25,000/year · shared w/ Groceries, Dining · budget $5,769 $231 over cap @ 1× | 4× | $6,000 | 0.5¢ | $117 |
| All Other | 2× | $15,000 | 0.5¢ | $150 |
| Subtotal (excl. foreign spend) | $1,287 | |||
Aeroplan points @ 1.8¢/pt+$1,242rewards / yr
Aeroplan points @ 1.8¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1.8¢ | $216 |
| Dining | 1.5× | $8,000 | 1.8¢ | $216 |
| Travel | 2× | $10,000 | 1.8¢ | $360 |
| Gas | 1× | $4,000 | 1.8¢ | $72 |
| Recurring | 1× | $6,000 | 1.8¢ | $108 |
| All Other | 1× | $15,000 | 1.8¢ | $270 |
| Subtotal (excl. foreign spend) | $1,242 | |||
Aeroplan points @ 1.8¢/pt+$1,278rewards / yr
Aeroplan points @ 1.8¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1.8¢ | $216 |
| Dining | 1.5× | $8,000 | 1.8¢ | $216 |
| Travel | 2× | $10,000 | 1.8¢ | $360 |
| Gas | 1.5× | $4,000 | 1.8¢ | $108 |
| Recurring | 1× | $6,000 | 1.8¢ | $108 |
| All Other | 1× | $15,000 | 1.8¢ | $270 |
| Subtotal (excl. foreign spend) | $1,278 | |||
Membership Rewards @ 1.5¢/pt+$1,335rewards / yr
Membership Rewards @ 1.5¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1.5¢ | $360 |
| Dining | 2× | $8,000 | 1.5¢ | $240 |
| Travel | 2× | $10,000 | 1.5¢ | $300 |
| Gas | 2× | $4,000 | 1.5¢ | $120 |
| Recurring | 1× | $6,000 | 1.5¢ | $90 |
| All Other | 1× | $15,000 | 1.5¢ | $225 |
| Subtotal (excl. foreign spend) | $1,335 | |||
Cash back @ 1¢/pt+$1,170rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 4× | $12,000 | 1¢ | $480 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 4× | $4,000 | 1¢ | $160 |
| Recurring | 2× | $6,000 | 1¢ | $120 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $1,170 | |||
Cash back @ 1¢/pt+$1,170rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 4× | $12,000 | 1¢ | $480 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 4× | $4,000 | 1¢ | $160 |
| Recurring | 2× | $6,000 | 1¢ | $120 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $1,170 | |||
BMO Rewards @ 0.67¢/pt+$1,012rewards / yr
BMO Rewards @ 0.67¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 5× | $12,000 | 0.67¢ | $402 |
| Dining | 5× | $8,000 | 0.67¢ | $268 |
| Travel | 1× | $10,000 | 0.67¢ | $67 |
| Gas | 5× | $4,000 | 0.67¢ | $134 |
| Recurring | 1× | $6,000 | 0.67¢ | $40 |
| All Other | 1× | $15,000 | 0.67¢ | $101 |
| Subtotal (excl. foreign spend) | $1,012 | |||
Aeroplan points @ 1.8¢/pt+$1,134rewards / yr
Aeroplan points @ 1.8¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1.5× | $12,000 | 1.8¢ | $324 |
| Dining | 1× | $8,000 | 1.8¢ | $144 |
| Travel | 1× | $10,000 | 1.8¢ | $180 |
| Gas | 1.5× | $4,000 | 1.8¢ | $108 |
| Recurring | 1× | $6,000 | 1.8¢ | $108 |
| All Other | 1× | $15,000 | 1.8¢ | $270 |
| Subtotal (excl. foreign spend) | $1,134 | |||
Cash back @ 1¢/pt+$1,090rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 4× | $12,000 | 1¢ | $480 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 4× | $4,000 | 1¢ | $160 |
| Recurring | 2× | $6,000 | 1¢ | $120 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $1,090 | |||
VIPorter points @ 1¢/pt+$990rewards / yr
VIPorter points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 3× | $10,000 | 1¢ | $300 |
| Gas | 2× | $4,000 | 1¢ | $80 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $990 | |||
Cash back @ 1¢/pt+$990rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 3× | $12,000 | 1¢ | $360 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 3× | $4,000 | 1¢ | $120 |
| Recurring | 3× | $6,000 | 1¢ | $180 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $990 | |||
Cash back @ 1¢/pt+$1,180rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 4× | $12,000 | 1¢ | $480 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 4× | $4,000 | 1¢ | $160 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 2× | $15,000 | 1¢ | $300 |
| Subtotal (excl. foreign spend) | $1,180 | |||
Marriott Bonvoy points @ 1¢/pt+$1,100rewards / yr
Marriott Bonvoy points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 5× | $10,000 | 1¢ | $500 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 2× | $15,000 | 1¢ | $300 |
| Subtotal (excl. foreign spend) | $1,100 | |||
TD Rewards @ 0.5¢/pt+$973rewards / yr
TD Rewards @ 0.5¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 4.5× | $12,000 | 0.5¢ | $270 |
| Dining | 4.5× | $8,000 | 0.5¢ | $180 |
| Travel | 6× | $10,000 | 0.5¢ | $300 |
| Gas | 1× | $4,000 | 0.5¢ | $20 |
| Recurring | 3× | $6,000 | 0.5¢ | $90 |
| All Other | 1.5× | $15,000 | 0.5¢ | $113 |
| Subtotal (excl. foreign spend) | $973 | |||
Cash back @ 1¢/pt+$1,070rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 4× | $12,000 | 1¢ | $480 |
| Dining | 3× | $8,000 | 1¢ | $240 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $1,070 | |||
Aeroplan points @ 1.8¢/pt+$1,562rewards / yr
Aeroplan points @ 1.8¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1.8¢ | $216 |
| Dining | 2× | $8,000 | 1.8¢ | $288 |
| Travel | 3× | $10,000 | 1.8¢ | $540 |
| Gas | 1× | $4,000 | 1.8¢ | $72 |
| Recurring | 1× | $6,000 | 1.8¢ | $108 |
| All Other | 1.25× | $15,000 | 1.8¢ | $338 |
| Subtotal (excl. foreign spend) | $1,562 | |||
BONUSDOLLAR @ 1¢/pt+$1,343rewards / yr
BONUSDOLLAR @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 3× | $12,000 | 1¢ | $360 |
| Dining | 4× | $8,000 | 1¢ | $320 |
| Travel | 3× | $10,000 | 1¢ | $300 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1.75× | $15,000 | 1¢ | $263 |
| Subtotal (excl. foreign spend) | $1,343 | |||
ATB Rewards @ 1¢/pt+$945rewards / yr
ATB Rewards @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 3× | $12,000 | 1¢ | $360 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 3× | $4,000 | 1¢ | $120 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1.5× | $15,000 | 1¢ | $225 |
| Subtotal (excl. foreign spend) | $945 | |||
Cash back @ 1¢/pt+$1,050rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 4× | $12,000 | 1¢ | $480 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 2× | $6,000 | 1¢ | $120 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $1,050 | |||
Cash back @ 1¢/pt+$1,050rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 4× | $12,000 | 1¢ | $480 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 2× | $6,000 | 1¢ | $120 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $1,050 | |||
Cash back @ 1¢/pt+$1,050rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 4× | $12,000 | 1¢ | $480 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 2× | $6,000 | 1¢ | $120 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $1,050 | |||
Cash back @ 1¢/pt+$1,010rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 3× | $12,000 | 1¢ | $360 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 3× | $4,000 | 1¢ | $120 |
| Recurring | 2× | $6,000 | 1¢ | $120 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $1,010 | |||
Scene+ points @ 1¢/pt+$910rewards / yr
Scene+ points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 3× | $12,000 | 1¢ | $360 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 2× | $4,000 | 1¢ | $80 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $910 | |||
Cash back @ 1¢/pt+$1,050rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 5× | $8,000 | 1¢ | $400 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 4× | $6,000 | 1¢ | $240 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $1,050 | |||
Aeroplan points @ 1.8¢/pt+$901rewards / yr
Aeroplan points @ 1.8¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1.8¢ | $216 |
| Dining | 1× | $8,000 | 1.8¢ | $144 |
| Travel | 1× | $10,000 | 1.8¢ | $180 |
| Gas | 1× | $4,000 | 1.8¢ | $72 |
| Recurring | 1× | $6,000 | 1.8¢ | $108 |
| All Other | 0.67× | $15,000 | 1.8¢ | $181 |
| Subtotal (excl. foreign spend) | $901 | |||
Aeroplan points @ 1.8¢/pt+$901rewards / yr
Aeroplan points @ 1.8¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1.8¢ | $216 |
| Dining | 1× | $8,000 | 1.8¢ | $144 |
| Travel | 1× | $10,000 | 1.8¢ | $180 |
| Gas | 1× | $4,000 | 1.8¢ | $72 |
| Recurring | 1× | $6,000 | 1.8¢ | $108 |
| All Other | 0.67× | $15,000 | 1.8¢ | $181 |
| Subtotal (excl. foreign spend) | $901 | |||
PC Optimum points @ 1¢/pt+$870rewards / yr
PC Optimum points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 3× | $12,000 | 1¢ | $360 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 3× | $4,000 | 1¢ | $120 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $870 | |||
Vancity Rewards @ 1¢/pt+$868rewards / yr
Vancity Rewards @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2.5× | $12,000 | 1¢ | $300 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 2× | $10,000 | 1¢ | $200 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1.25× | $15,000 | 1¢ | $188 |
| Subtotal (excl. foreign spend) | $868 | |||
BONUSDOLLARS @ 1¢/pt+$970rewards / yr
BONUSDOLLARS @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 3× | $12,000 | 1¢ | $360 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 2× | $10,000 | 1¢ | $200 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $970 | |||
Z-Points @ 1¢/pt+$835rewards / yr
Z-Points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 4× | $12,000 | 1¢ | $480 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $835 | |||
Cash back @ 1¢/pt+$910rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 3× | $8,000 | 1¢ | $240 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 3× | $4,000 | 1¢ | $120 |
| Recurring | 3× | $6,000 | 1¢ | $180 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $910 | |||
Membership Rewards @ 1.5¢/pt+$825rewards / yr
Membership Rewards @ 1.5¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1.5¢ | $180 |
| Dining | 1× | $8,000 | 1.5¢ | $120 |
| Travel | 1× | $10,000 | 1.5¢ | $150 |
| Gas | 1× | $4,000 | 1.5¢ | $60 |
| Recurring | 1× | $6,000 | 1.5¢ | $90 |
| All Other | 1× | $15,000 | 1.5¢ | $225 |
| Subtotal (excl. foreign spend) | $825 | |||
Aeroplan points @ 1.8¢/pt+$1,418rewards / yr
Aeroplan points @ 1.8¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1.8¢ | $216 |
| Dining | 1× | $8,000 | 1.8¢ | $144 |
| Travel | 3× | $10,000 | 1.8¢ | $540 |
| Gas | 1× | $4,000 | 1.8¢ | $72 |
| Recurring | 1× | $6,000 | 1.8¢ | $108 |
| All Other | 1.25× | $15,000 | 1.8¢ | $338 |
| Subtotal (excl. foreign spend) | $1,418 | |||
BMO EclipseBMO Rewards @ 0.67¢/pt+$1,012rewards / yr
BMO Eclipse
BMO Rewards @ 0.67¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 5× | $12,000 | 0.67¢ | $402 |
| Dining | 5× | $8,000 | 0.67¢ | $268 |
| Travel | 1× | $10,000 | 0.67¢ | $67 |
| Gas | 5× | $4,000 | 0.67¢ | $134 |
| Recurring | 1× | $6,000 | 0.67¢ | $40 |
| All Other | 1× | $15,000 | 0.67¢ | $101 |
| Subtotal (excl. foreign spend) | $1,012 | |||
Aeroplan points @ 1.8¢/pt+$901rewards / yr
Aeroplan points @ 1.8¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1.8¢ | $216 |
| Dining | 1× | $8,000 | 1.8¢ | $144 |
| Travel | 1× | $10,000 | 1.8¢ | $180 |
| Gas | 1× | $4,000 | 1.8¢ | $72 |
| Recurring | 1× | $6,000 | 1.8¢ | $108 |
| All Other | 0.67× | $15,000 | 1.8¢ | $181 |
| Subtotal (excl. foreign spend) | $901 | |||
MBNA Rewards @ 1¢/pt+$810rewards / yr
MBNA Rewards @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 2× | $6,000 | 1¢ | $120 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $810 | |||
MBNA Rewards @ 1¢/pt+$810rewards / yr
MBNA Rewards @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 2× | $6,000 | 1¢ | $120 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $810 | |||
TD Rewards @ 0.5¢/pt+$950rewards / yr
TD Rewards @ 0.5¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 0.5¢ | $60 |
| Dining | 6× | $8,000 | 0.5¢ | $240 |
| Travel | 9× | $10,000 | 0.5¢ | $450 |
| Gas | 1× | $4,000 | 0.5¢ | $20 |
| Recurring | 1× | $6,000 | 0.5¢ | $30 |
| All Other | 2× | $15,000 | 0.5¢ | $150 |
| Subtotal (excl. foreign spend) | $950 | |||
Cash back @ 1¢/pt+$795rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1.5× | $12,000 | 1¢ | $180 |
| Dining | 4× | $8,000 | 1¢ | $320 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1.5× | $4,000 | 1¢ | $60 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $795 | |||
Cash back @ 1¢/pt+$790rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1.5× | $12,000 | 1¢ | $180 |
| Dining | 1.5× | $8,000 | 1¢ | $120 |
| Travel | 2× | $10,000 | 1¢ | $200 |
| Gas | 2× | $4,000 | 1¢ | $80 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $790 | |||
Cash back @ 1¢/pt+$790rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 3× | $8,000 | 1¢ | $240 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 3× | $4,000 | 1¢ | $120 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $790 | |||
Walmart Rewards Dollars @ 1¢/pt+$790rewards / yr
Walmart Rewards Dollars @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 3× | $12,000 | 1¢ | $360 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $790 | |||
Cash back @ 1¢/pt+$790rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 3× | $8,000 | 1¢ | $240 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 3× | $4,000 | 1¢ | $120 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $790 | |||
Cash back @ 1¢/pt+$775rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 2× | $4,000 | 1¢ | $80 |
| Recurring | 2× | $6,000 | 1¢ | $120 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $775 | |||
Aeroplan points @ 1.8¢/pt+$1,364rewards / yr
Aeroplan points @ 1.8¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1.5× | $12,000 | 1.8¢ | $324 |
| Dining | 1.5× | $8,000 | 1.8¢ | $216 |
| Travel | 1.5× | $10,000 | 1.8¢ | $270 |
| Gas | 1.5× | $4,000 | 1.8¢ | $108 |
| Recurring | 1× | $6,000 | 1.8¢ | $108 |
| All Other | 1.25× | $15,000 | 1.8¢ | $338 |
| Subtotal (excl. foreign spend) | $1,364 | |||
Aeroplan points @ 1.8¢/pt+$1,364rewards / yr
Aeroplan points @ 1.8¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1.5× | $12,000 | 1.8¢ | $324 |
| Dining | 1.5× | $8,000 | 1.8¢ | $216 |
| Travel | 1.5× | $10,000 | 1.8¢ | $270 |
| Gas | 1.5× | $4,000 | 1.8¢ | $108 |
| Recurring | 1× | $6,000 | 1.8¢ | $108 |
| All Other | 1.25× | $15,000 | 1.8¢ | $338 |
| Subtotal (excl. foreign spend) | $1,364 | |||
Cash back @ 1¢/pt+$890rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 3× | $12,000 | 1¢ | $360 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 2× | $10,000 | 1¢ | $200 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $890 | |||
PC Optimum points @ 1¢/pt+$750rewards / yr
PC Optimum points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 3× | $4,000 | 1¢ | $120 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $750 | |||
points @ 1¢/pt+$870rewards / yr
points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 3× | $12,000 | 1¢ | $360 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $870 | |||
Points @ 1¢/pt+$870rewards / yr
Points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 3× | $12,000 | 1¢ | $360 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $870 | |||
Genius Points @ 1¢/pt+$870rewards / yr
Genius Points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 3× | $12,000 | 1¢ | $360 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $870 | |||
WestJet dollars @ 1¢/pt+$885rewards / yr
WestJet dollars @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 2× | $10,000 | 1¢ | $200 |
| Gas | 2× | $4,000 | 1¢ | $80 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1.5× | $15,000 | 1¢ | $225 |
| Subtotal (excl. foreign spend) | $885 | |||
Laurentian points @ 1¢/pt+$870rewards / yr
Laurentian points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 2× | $10,000 | 1¢ | $200 |
| Gas | 2× | $4,000 | 1¢ | $80 |
| Recurring | 2× | $6,000 | 1¢ | $120 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $870 | |||
Points @ 1¢/pt+$801rewards / yr
Points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 1.5× | $10,000 | 1¢ | $150 |
| Gas | 1.5× | $4,000 | 1¢ | $60 |
| Recurring | 1.5× | $6,000 | 1¢ | $90 |
| All Other | 0.67× | $15,000 | 1¢ | $101 |
| Subtotal (excl. foreign spend) | $801 | |||
Cash back @ 1¢/pt+$770rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 2× | $4,000 | 1¢ | $80 |
| Recurring | 2× | $6,000 | 1¢ | $120 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $770 | |||
Cash back @ 1¢/pt+$715rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 3× | $12,000 | 1¢ | $360 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $715 | |||
Cash back @ 1¢/pt+$715rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 3× | $12,000 | 1¢ | $360 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $715 | |||
Cash back @ 1¢/pt+$715rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 2× | $4,000 | 1¢ | $80 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $715 | |||
Cash back @ 1¢/pt+$770rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 2× | $4,000 | 1¢ | $80 |
| Recurring | 2× | $6,000 | 1¢ | $120 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $770 | |||
Cash back @ 1¢/pt+$695rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 2× | $4,000 | 1¢ | $80 |
| Recurring | 2× | $6,000 | 1¢ | $120 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $695 | |||
TD Aeroplan VIPAeroplan points @ 1.8¢/pt+$1,391rewards / yr
TD Aeroplan VIP
Aeroplan points @ 1.8¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1.5× | $12,000 | 1.8¢ | $324 |
| Dining | 1.5× | $8,000 | 1.8¢ | $216 |
| Travel | 1.5× | $10,000 | 1.8¢ | $270 |
| Gas | 1.5× | $4,000 | 1.8¢ | $108 |
| Recurring | 1.25× | $6,000 | 1.8¢ | $135 |
| All Other | 1.25× | $15,000 | 1.8¢ | $338 |
| Subtotal (excl. foreign spend) | $1,391 | |||
BMO Rewards @ 0.67¢/pt+$1,280rewards / yr
BMO Rewards @ 0.67¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 5× | $12,000 | 0.67¢ | $402 |
| Dining | 5× | $8,000 | 0.67¢ | $268 |
| Travel | 5× | $10,000 | 0.67¢ | $335 |
| Gas | 5× | $4,000 | 0.67¢ | $134 |
| Recurring | 1× | $6,000 | 0.67¢ | $40 |
| All Other | 1× | $15,000 | 0.67¢ | $101 |
| Subtotal (excl. foreign spend) | $1,280 | |||
Adapta points @ 1¢/pt+$680rewards / yr
Adapta points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 2× | $10,000 | 1¢ | $200 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1.5× | $6,000 | 1¢ | $90 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $680 | |||
Cash back @ 1¢/pt+$748rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 2× | $4,000 | 1¢ | $80 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1.25× | $15,000 | 1¢ | $188 |
| Subtotal (excl. foreign spend) | $748 | |||
Meridian points @ 1¢/pt+$675rewards / yr
Meridian points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1.5× | $10,000 | 1¢ | $150 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1.5× | $15,000 | 1¢ | $225 |
| Subtotal (excl. foreign spend) | $675 | |||
Scene+ points @ 1¢/pt+$950rewards / yr
Scene+ points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 3× | $10,000 | 1¢ | $300 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $950 | |||
Cash back @ 1¢/pt+$710rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 2× | $4,000 | 1¢ | $80 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $710 | |||
Cash back @ 1¢/pt+$710rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 2× | $4,000 | 1¢ | $80 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $710 | |||
Scene+ points @ 1¢/pt+$670rewards / yr
Scene+ points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $670 | |||
Cash back @ 1¢/pt+$670rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $670 | |||
moi points @ 1¢/pt+$670rewards / yr
moi points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 2× | $4,000 | 1¢ | $80 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $670 | |||
Asia Miles @ 1¢/pt+$850rewards / yr
Asia Miles @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 4× | $10,000 | 1¢ | $400 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $850 | |||
Cash back @ 1¢/pt+$665rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 2× | $4,000 | 1¢ | $80 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1.5× | $15,000 | 1¢ | $225 |
| Subtotal (excl. foreign spend) | $665 | |||
British Airways Avios @ 1¢/pt+$830rewards / yr
British Airways Avios @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 3× | $10,000 | 1¢ | $300 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $830 | |||
Cash back @ 1¢/pt+$710rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 2× | $4,000 | 1¢ | $80 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $710 | |||
TD Rewards @ 0.5¢/pt+$655rewards / yr
TD Rewards @ 0.5¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 3× | $12,000 | 0.5¢ | $180 |
| Dining | 3× | $8,000 | 0.5¢ | $120 |
| Travel | 4× | $10,000 | 0.5¢ | $200 |
| Gas | 1× | $4,000 | 0.5¢ | $20 |
| Recurring | 2× | $6,000 | 0.5¢ | $60 |
| All Other | 1× | $15,000 | 0.5¢ | $75 |
| Subtotal (excl. foreign spend) | $655 | |||
WestJet dollars @ 1¢/pt+$825rewards / yr
WestJet dollars @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 3× | $10,000 | 1¢ | $300 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1.5× | $15,000 | 1¢ | $225 |
| Subtotal (excl. foreign spend) | $825 | |||
Cash back @ 1¢/pt+$635rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 2× | $4,000 | 1¢ | $80 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $635 | |||
Cash back @ 1¢/pt+$635rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 2× | $4,000 | 1¢ | $80 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $635 | |||
PC Optimum points @ 1¢/pt+$630rewards / yr
PC Optimum points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 3× | $4,000 | 1¢ | $120 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $630 | |||
BONUSDOLLARS @ 1¢/pt+$738rewards / yr
BONUSDOLLARS @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 2× | $10,000 | 1¢ | $200 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 2× | $6,000 | 1¢ | $120 |
| All Other | 0.65× | $15,000 | 1¢ | $98 |
| Subtotal (excl. foreign spend) | $738 | |||
Membership Rewards @ 1.5¢/pt+$825rewards / yr
Membership Rewards @ 1.5¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1.5¢ | $180 |
| Dining | 1× | $8,000 | 1.5¢ | $120 |
| Travel | 1× | $10,000 | 1.5¢ | $150 |
| Gas | 1× | $4,000 | 1.5¢ | $60 |
| Recurring | 1× | $6,000 | 1.5¢ | $90 |
| All Other | 1× | $15,000 | 1.5¢ | $225 |
| Subtotal (excl. foreign spend) | $825 | |||
Cash back @ 1¢/pt+$625rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1.5× | $15,000 | 1¢ | $225 |
| Subtotal (excl. foreign spend) | $625 | |||
Cash back @ 1¢/pt+$615rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 2× | $6,000 | 1¢ | $120 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $615 | |||
BONUSDOLLARS @ 1¢/pt+$615rewards / yr
BONUSDOLLARS @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 2× | $6,000 | 1¢ | $120 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $615 | |||
Cash back @ 1¢/pt+$615rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 2× | $6,000 | 1¢ | $120 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $615 | |||
Scene+ points @ 1¢/pt+$730rewards / yr
Scene+ points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1.5× | $12,000 | 1¢ | $180 |
| Dining | 1.5× | $8,000 | 1¢ | $120 |
| Travel | 1.5× | $10,000 | 1¢ | $150 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1.5× | $6,000 | 1¢ | $90 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $730 | |||
RBC Rewards @ 1¢/pt+$610rewards / yr
RBC Rewards @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1.5× | $12,000 | 1¢ | $180 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $610 | |||
Travel rewards @ 1¢/pt+$650rewards / yr
Travel rewards @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 2× | $10,000 | 1¢ | $200 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $650 | |||
WestJet dollars @ 1¢/pt+$640rewards / yr
WestJet dollars @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1.5× | $8,000 | 1¢ | $120 |
| Travel | 1.5× | $10,000 | 1¢ | $150 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $640 | |||
Cash back @ 1¢/pt+$630rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1.5× | $12,000 | 1¢ | $180 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1.5× | $4,000 | 1¢ | $60 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $630 | |||
Cash back @ 1¢/pt+$695rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 2× | $4,000 | 1¢ | $80 |
| Recurring | 2× | $6,000 | 1¢ | $120 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $695 | |||
Amex PlatinumMembership Rewards @ 1.5¢/pt+$1,095rewards / yr
Amex Platinum
Membership Rewards @ 1.5¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1.5¢ | $180 |
| Dining | 2× | $8,000 | 1.5¢ | $240 |
| Travel | 2× | $10,000 | 1.5¢ | $300 |
| Gas | 1× | $4,000 | 1.5¢ | $60 |
| Recurring | 1× | $6,000 | 1.5¢ | $90 |
| All Other | 1× | $15,000 | 1.5¢ | $225 |
| Subtotal (excl. foreign spend) | $1,095 | |||
Cash back @ 1¢/pt+$595rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $595 | |||
Cash back @ 1¢/pt+$595rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $595 | |||
Cash back @ 1¢/pt+$595rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $595 | |||
CIBC Aventura points @ 1¢/pt+$730rewards / yr
CIBC Aventura points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1.5× | $12,000 | 1¢ | $180 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 2× | $10,000 | 1¢ | $200 |
| Gas | 1.5× | $4,000 | 1¢ | $60 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $730 | |||
CIBC Aventura points @ 1¢/pt+$730rewards / yr
CIBC Aventura points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1.5× | $12,000 | 1¢ | $180 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 2× | $10,000 | 1¢ | $200 |
| Gas | 1.5× | $4,000 | 1¢ | $60 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $730 | |||
CIBC Aventura points @ 1¢/pt+$730rewards / yr
CIBC Aventura points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1.5× | $12,000 | 1¢ | $180 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 2× | $10,000 | 1¢ | $200 |
| Gas | 1.5× | $4,000 | 1¢ | $60 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $730 | |||
CIBC Aventura points @ 1¢/pt+$730rewards / yr
CIBC Aventura points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1.5× | $12,000 | 1¢ | $180 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 2× | $10,000 | 1¢ | $200 |
| Gas | 1.5× | $4,000 | 1¢ | $60 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $730 | |||
BMO Rewards @ 0.67¢/pt+$580rewards / yr
BMO Rewards @ 0.67¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2.5× | $12,000 | 0.67¢ | $201 |
| Dining | 2.5× | $8,000 | 0.67¢ | $134 |
| Travel | 1× | $10,000 | 0.67¢ | $67 |
| Gas | 1× | $4,000 | 0.67¢ | $27 |
| Recurring | 2.5× | $6,000 | 0.67¢ | $101 |
| All Other | 0.5× | $15,000 | 0.67¢ | $50 |
| Subtotal (excl. foreign spend) | $580 | |||
Cash back @ 1¢/pt+$575rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 2× | $4,000 | 1¢ | $80 |
| Recurring | 2× | $6,000 | 1¢ | $120 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $575 | |||
Cash back @ 1¢/pt+$563rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1.5× | $4,000 | 1¢ | $60 |
| Recurring | 1.5× | $6,000 | 1¢ | $90 |
| All Other | 0.75× | $15,000 | 1¢ | $113 |
| Subtotal (excl. foreign spend) | $563 | |||
Blue Rewards @ 1¢/pt+$710rewards / yr
Blue Rewards @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 2× | $4,000 | 1¢ | $80 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $710 | |||
Cash back @ 1¢/pt+$555rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $555 | |||
Cash back @ 1¢/pt+$700rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 2× | $15,000 | 1¢ | $300 |
| Subtotal (excl. foreign spend) | $700 | |||
N/A @ 1¢/pt+$550rewards / yr
N/A @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
CIBC Aventura points @ 1¢/pt+$670rewards / yr
CIBC Aventura points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 2× | $10,000 | 1¢ | $200 |
| Gas | 1.5× | $4,000 | 1¢ | $60 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $670 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
miles @ 1¢/pt+$550rewards / yr
miles @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
N/A @ 1¢/pt+$550rewards / yr
N/A @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
None @ 1¢/pt+$550rewards / yr
None @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
None @ 1¢/pt+$550rewards / yr
None @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
N/A @ 1¢/pt+$550rewards / yr
N/A @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Scene+ points @ 1¢/pt+$550rewards / yr
Scene+ points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Walmart Rewards Dollars @ 1¢/pt+$550rewards / yr
Walmart Rewards Dollars @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
N/A @ 1¢/pt+$550rewards / yr
N/A @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Scene+ Points @ 1¢/pt+$550rewards / yr
Scene+ Points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
None @ 1¢/pt+$550rewards / yr
None @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
None @ 1¢/pt+$550rewards / yr
None @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
N/A @ 1¢/pt+$550rewards / yr
N/A @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
N/A @ 1¢/pt+$550rewards / yr
N/A @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
None @ 1¢/pt+$550rewards / yr
None @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Servus Circle Rewards @ 1¢/pt+$700rewards / yr
Servus Circle Rewards @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 2× | $15,000 | 1¢ | $300 |
| Subtotal (excl. foreign spend) | $700 | |||
BMO AscendBMO Rewards @ 0.67¢/pt+$824rewards / yr
BMO Ascend
BMO Rewards @ 0.67¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 0.67¢ | $80 |
| Dining | 3× | $8,000 | 0.67¢ | $161 |
| Travel | 5× | $10,000 | 0.67¢ | $335 |
| Gas | 1× | $4,000 | 0.67¢ | $27 |
| Recurring | 3× | $6,000 | 0.67¢ | $121 |
| All Other | 1× | $15,000 | 0.67¢ | $101 |
| Subtotal (excl. foreign spend) | $824 | |||
N/A @ 1¢/pt+$550rewards / yr
N/A @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
None @ 1¢/pt+$550rewards / yr
None @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
points @ 1¢/pt+$550rewards / yr
points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
None @ 1¢/pt+$550rewards / yr
None @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
CIBC Aventura points @ 1¢/pt+$1,028rewards / yr
CIBC Aventura points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 3× | $10,000 | 1¢ | $300 |
| Gas | 2× | $4,000 | 1¢ | $80 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1.25× | $15,000 | 1¢ | $188 |
| Subtotal (excl. foreign spend) | $1,028 | |||
None @ 1¢/pt+$550rewards / yr
None @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
points @ 1¢/pt+$550rewards / yr
points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
N/A @ 1¢/pt+$550rewards / yr
N/A @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
None @ 1¢/pt+$550rewards / yr
None @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
N/A @ 1¢/pt+$550rewards / yr
N/A @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
None @ 1¢/pt+$550rewards / yr
None @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
None @ 1¢/pt+$550rewards / yr
None @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
none @ 1¢/pt+$550rewards / yr
none @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
N/A @ 1¢/pt+$550rewards / yr
N/A @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
None @ 1¢/pt+$550rewards / yr
None @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
None @ 1¢/pt+$550rewards / yr
None @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Points @ 1¢/pt+$625rewards / yr
Points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1.5× | $15,000 | 1¢ | $225 |
| Subtotal (excl. foreign spend) | $625 | |||
Points @ 1¢/pt+$550rewards / yr
Points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Points @ 1¢/pt+$550rewards / yr
Points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Points @ 1¢/pt+$550rewards / yr
Points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Flying Blue Miles @ 1¢/pt+$630rewards / yr
Flying Blue Miles @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $630 | |||
Cash back @ 1¢/pt+$675rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 2× | $12,000 | 1¢ | $240 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $675 | |||
points @ 1¢/pt+$625rewards / yr
points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1.5× | $15,000 | 1¢ | $225 |
| Subtotal (excl. foreign spend) | $625 | |||
None @ 1¢/pt+$550rewards / yr
None @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
VIPorter Points @ 1¢/pt+$575rewards / yr
VIPorter Points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 2× | $10,000 | 1¢ | $200 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $575 | |||
Blue Rewards @ 1¢/pt+$475rewards / yr
Blue Rewards @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $475 | |||
Cash back @ 1¢/pt+$475rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $475 | |||
Cash back @ 1¢/pt+$475rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $475 | |||
CIBC Aventura points @ 1¢/pt+$475rewards / yr
CIBC Aventura points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $475 | |||
Cash back @ 1¢/pt+$475rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $475 | |||
CIBC Aventura points @ 1¢/pt+$475rewards / yr
CIBC Aventura points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $475 | |||
Cash back @ 1¢/pt+$475rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $475 | |||
Cash back @ 1¢/pt+$475rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $475 | |||
Cash back @ 1¢/pt+$475rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $475 | |||
Cash back @ 1¢/pt+$475rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $475 | |||
Cash back @ 1¢/pt+$475rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $475 | |||
Vancity Rewards @ 1¢/pt+$475rewards / yr
Vancity Rewards @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $475 | |||
Cash back @ 1¢/pt+$475rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $475 | |||
Cash back @ 1¢/pt+$475rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $475 | |||
Servus Circle Rewards @ 1¢/pt+$475rewards / yr
Servus Circle Rewards @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $475 | |||
Rewards points @ 1¢/pt+$550rewards / yr
Rewards points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$475rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $475 | |||
Points @ 1¢/pt+$550rewards / yr
Points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
N/A @ 1¢/pt+$550rewards / yr
N/A @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Rewards Points @ 1¢/pt+$475rewards / yr
Rewards Points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $475 | |||
À la carte points @ 1¢/pt+$588rewards / yr
À la carte points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1.25× | $15,000 | 1¢ | $188 |
| Subtotal (excl. foreign spend) | $588 | |||
points @ 1¢/pt+$468rewards / yr
points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.45× | $15,000 | 1¢ | $68 |
| Subtotal (excl. foreign spend) | $468 | |||
RBC Rewards @ 1¢/pt+$550rewards / yr
RBC Rewards @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$700rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 2× | $15,000 | 1¢ | $300 |
| Subtotal (excl. foreign spend) | $700 | |||
Cash back @ 1¢/pt+$700rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 2× | $15,000 | 1¢ | $300 |
| Subtotal (excl. foreign spend) | $700 | |||
RBC Rewards @ 1¢/pt+$575rewards / yr
RBC Rewards @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1.25× | $10,000 | 1¢ | $125 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $575 | |||
RBC Rewards @ 1¢/pt+$575rewards / yr
RBC Rewards @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1.25× | $10,000 | 1¢ | $125 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $575 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
None @ 1¢/pt+$550rewards / yr
None @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
MileagePlus miles @ 1¢/pt+$538rewards / yr
MileagePlus miles @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1.25× | $10,000 | 1¢ | $125 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.75× | $15,000 | 1¢ | $113 |
| Subtotal (excl. foreign spend) | $538 | |||
RBC Rewards @ 1¢/pt+$550rewards / yr
RBC Rewards @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Scene+ points @ 1¢/pt+$625rewards / yr
Scene+ points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1.5× | $15,000 | 1¢ | $225 |
| Subtotal (excl. foreign spend) | $625 | |||
Cash back @ 1¢/pt+$475rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $475 | |||
Vancity Rewards @ 1¢/pt+$475rewards / yr
Vancity Rewards @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $475 | |||
Amazon Rewards @ 1¢/pt+$550rewards / yr
Amazon Rewards @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Points @ 1¢/pt+$475rewards / yr
Points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $475 | |||
Points @ 1¢/pt+$475rewards / yr
Points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $475 | |||
MileagePlus miles @ 1¢/pt+$513rewards / yr
MileagePlus miles @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1.25× | $10,000 | 1¢ | $125 |
| Gas | 0.75× | $4,000 | 1¢ | $30 |
| Recurring | 0.75× | $6,000 | 1¢ | $45 |
| All Other | 0.75× | $15,000 | 1¢ | $113 |
| Subtotal (excl. foreign spend) | $513 | |||
CIBC Aventura points @ 1¢/pt+$475rewards / yr
CIBC Aventura points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $475 | |||
RBC Rewards @ 1¢/pt+$588rewards / yr
RBC Rewards @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1.25× | $15,000 | 1¢ | $188 |
| Subtotal (excl. foreign spend) | $588 | |||
Cash back @ 1¢/pt+$408rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.05× | $15,000 | 1¢ | $8 |
| Subtotal (excl. foreign spend) | $408 | |||
points @ 1¢/pt+$550rewards / yr
points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
N/A @ 1¢/pt+$550rewards / yr
N/A @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$475rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $475 | |||
Cash back @ 1¢/pt+$538rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1.5× | $12,000 | 1¢ | $180 |
| Dining | 1.5× | $8,000 | 1¢ | $120 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.25× | $15,000 | 1¢ | $38 |
| Subtotal (excl. foreign spend) | $538 | |||
None @ 1¢/pt+$550rewards / yr
None @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
N/A @ 1¢/pt+$550rewards / yr
N/A @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Marriott Bonvoy points @ 1¢/pt+$1,140rewards / yr
Marriott Bonvoy points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 3× | $8,000 | 1¢ | $240 |
| Travel | 3× | $10,000 | 1¢ | $300 |
| Gas | 3× | $4,000 | 1¢ | $120 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 2× | $15,000 | 1¢ | $300 |
| Subtotal (excl. foreign spend) | $1,140 | |||
Rewards Points @ 1¢/pt+$550rewards / yr
Rewards Points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
None @ 1¢/pt+$550rewards / yr
None @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Cash back @ 1¢/pt+$475rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.5× | $15,000 | 1¢ | $75 |
| Subtotal (excl. foreign spend) | $475 | |||
BMO Rewards @ 0.67¢/pt+$499rewards / yr
BMO Rewards @ 0.67¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 0.67¢ | $80 |
| Dining | 1× | $8,000 | 0.67¢ | $54 |
| Travel | 1× | $10,000 | 0.67¢ | $67 |
| Gas | 4× | $4,000 | 0.67¢ | $107 |
| Recurring | 1× | $6,000 | 0.67¢ | $40 |
| All Other | 1.5× | $15,000 | 0.67¢ | $151 |
| Subtotal (excl. foreign spend) | $499 | |||
Cash back @ 1¢/pt+$550rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $550 | |||
Scene+ points @ 1¢/pt+$700rewards / yr
Scene+ points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 2× | $15,000 | 1¢ | $300 |
| Subtotal (excl. foreign spend) | $700 | |||
Membership Rewards @ 1.5¢/pt+$1,095rewards / yr
Membership Rewards @ 1.5¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1.5¢ | $180 |
| Dining | 2× | $8,000 | 1.5¢ | $240 |
| Travel | 2× | $10,000 | 1.5¢ | $300 |
| Gas | 1× | $4,000 | 1.5¢ | $60 |
| Recurring | 1× | $6,000 | 1.5¢ | $90 |
| All Other | 1× | $15,000 | 1.5¢ | $225 |
| Subtotal (excl. foreign spend) | $1,095 | |||
Affinity points @ 1¢/pt+$415rewards / yr
Affinity points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.1× | $15,000 | 1¢ | $15 |
| Subtotal (excl. foreign spend) | $415 | |||
Scene+ points @ 1¢/pt+$830rewards / yr
Scene+ points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 2× | $8,000 | 1¢ | $160 |
| Travel | 3× | $10,000 | 1¢ | $300 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1× | $15,000 | 1¢ | $150 |
| Subtotal (excl. foreign spend) | $830 | |||
RBC Rewards @ 1¢/pt+$588rewards / yr
RBC Rewards @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1.25× | $15,000 | 1¢ | $188 |
| Subtotal (excl. foreign spend) | $588 | |||
CT Money @ 1¢/pt+$170rewards / yr
CT Money @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 0.03× | $12,000 | 1¢ | $4 |
| Dining | 0.03× | $8,000 | 1¢ | $2 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 0.07× | $4,000 | 1¢ | $3 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.01× | $15,000 | 1¢ | $2 |
| Subtotal (excl. foreign spend) | $170 | |||
CT Money @ 1¢/pt+$166rewards / yr
CT Money @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 0.015× | $12,000 | 1¢ | $2 |
| Dining | 0.015× | $8,000 | 1¢ | $1 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 0.05× | $4,000 | 1¢ | $2 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.005× | $15,000 | 1¢ | $1 |
| Subtotal (excl. foreign spend) | $166 | |||
Cash back @ 1¢/pt+$625rewards / yr
Cash back @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1¢ | $120 |
| Dining | 1× | $8,000 | 1¢ | $80 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 1× | $4,000 | 1¢ | $40 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 1.5× | $15,000 | 1¢ | $225 |
| Subtotal (excl. foreign spend) | $625 | |||
PC Optimum points @ 1¢/pt+$247rewards / yr
PC Optimum points @ 1¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 0.4× | $12,000 | 1¢ | $48 |
| Dining | 0.1× | $8,000 | 1¢ | $8 |
| Travel | 1× | $10,000 | 1¢ | $100 |
| Gas | 0.4× | $4,000 | 1¢ | $16 |
| Recurring | 1× | $6,000 | 1¢ | $60 |
| All Other | 0.1× | $15,000 | 1¢ | $15 |
| Subtotal (excl. foreign spend) | $247 | |||
Membership Rewards @ 1.5¢/pt+$881rewards / yr
Membership Rewards @ 1.5¢/pt
rewards / yr
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceries | 1× | $12,000 | 1.5¢ | $180 |
| Dining | 1× | $8,000 | 1.5¢ | $120 |
| Travel | 1× | $10,000 | 1.5¢ | $150 |
| Gas | 1× | $4,000 | 1.5¢ | $60 |
| Recurring | 1× | $6,000 | 1.5¢ | $90 |
| All Other | 1.25× | $15,000 | 1.5¢ | $281 |
| Subtotal (excl. foreign spend) | $881 | |||
See the methodology for cap and shared-pool logic.
03
Point Currencies
What we assume each point is worth — and why
Aeroplan points
1.8¢/pt
HighStar Alliance business class long-haul (~2.5–4¢)
LowAeroplan eStore merchandise (~1.0¢)
Earned by
Blended assumption: economy short-haul + occasional premium-cabin redemption.
Membership Rewards
1.5¢/pt
HighTransfer to Aeroplan / Marriott (~1.5–2.5¢)
LowStatement credit (~1.0¢)
Earned by
Assumes user transfers to a partner program; pure cash-back drops to ~1¢.
BMO Rewards
0.67¢/pt
HighTravel via BMO Rewards portal (~1.0¢)
LowStatement credit (~0.67¢)
Earned by
Conservative cash-back assumption; portal travel can reach 1.0¢.
TD Rewards
0.5¢/pt
HighExpedia for TD travel portal (0.5¢)
LowMerchandise / gift cards (~0.4¢)
Earned by
Locked at 0.5¢ for portal travel — no transfer partners available.
04
Category Winners
Best card to swipe per spend category
Groceries
American Express Cobalt Card
$900 on $12,000
Dining
More Rewards RBC Visa Infinite
$640 on $8,000
Travel
More Rewards RBC Visa Infinite
$800 on $10,000
Gas
More Rewards RBC Visa Infinite
$320 on $4,000
Recurring
ATB World Elite Mastercard
$360 on $6,000
All Other
Capital One Smart Rewards Mastercard
$750 on $15,000
Foreign
Capital One Smart Rewards Mastercard
$250 on $5,000
least bad — all charge FX
05
The Optimal Stack
Two cards. ~$259/year in fees. ~95% of the value.
Travel + Default$139/yr
TD First Class
8× on travel via Expedia (4¢/$). 6× on groceries & dining up to $25k/cat/yr.
Net value+$1,123
Daily Driver$120/yr
BMO Eclipse
5× on groceries, dining, gas, transit. Best swipe-rate in the lineup.
Net value+$817
Add a third only if
You fly Air Canada 3+ times a year — then TD Aeroplan VIP ($599) earns its fee back through Maple Leaf Lounge access, waived bags for 8 companions, and the 10/10 insurance package.
06
How to Actually Use Them
One card per situation. No ambiguity.
TD First Class5 situations / 3 red flags[ + ]
TD First Class
5 situations / 3 red flags
✓ Use when
- Booking flights, hotels, and car rentals through Expedia For TD (8x TD Rewards = 4¢/$ — beats every other card on travel).
- Direct travel purchases not on Expedia (still strong via base + travel earn).
- Groceries and dining ONLY until the combined $25,000/year 6x cap is exhausted (then switch groceries → BMO Eclipse, dining → BMO Eclipse).
- Recurring bills until the shared $25,000/year cap is hit (then switch recurring → TD Aeroplan VIP).
- Any purchase where you specifically want TD's travel insurance package on a $139-fee card.
✗ Avoid when
- Foreign-currency purchases — 2.5% FX wipes out the rewards.
- Gas — only 2x TD Rewards (1¢/$); Eclipse pays 3.35¢/$.
- After hitting the $25k/year combined 6x/4x cap — drops to 2x base, worse than alternatives.
BMO Eclipse3 situations / 4 red flags[ + ]
BMO Eclipse
3 situations / 4 red flags
✓ Use when
- Groceries, dining, and gas — 5x BMO Rewards = 3.35¢/$ is the best rate available across these portfolios for everyday spend.
- Transit (subways, rideshare, taxis) — same 5x category.
- As the primary daily-spend card once the TD First Class $25k cap is hit on groceries/dining.
✗ Avoid when
- Travel bookings — only 1x; use TD First Class instead.
- Recurring bills / subscriptions — only 1x; use TD Aeroplan VIP or TD First Class.
- Foreign purchases — 2.5% FX exceeds the rewards earned.
- Trips needing strong insurance — insurance is mid-tier (5/10); upgrade to TD Aeroplan VIP for medical, trip cancel, mobile device.
TD Aeroplan VIP5 situations / 2 red flags[ + ]
TD Aeroplan VIP
5 situations / 2 red flags
✓ Use when
- Recurring bills and 'all other' uncategorized spend — 1.25x base × 1.8¢ Aeroplan = 2.25¢/$, the best uncapped catch-all rate.
- Air Canada flight purchases — 2x Aeroplan + Maple Leaf Lounge access + waived first checked bags for up to 8 companions makes it dominant for Air Canada flyers.
- ANY flight you take, even on competing airlines — top-tier $5M medical (4 days if 65+), trip cancel/interrupt, $1,500 mobile device, and best-in-class insurance score (10/10) override pure earn-rate math.
- Hotel bookings where you want the strong travel insurance and trip protection.
- Foreign spend — least-bad option here: 1.25x × 1.8¢ = 2.25¢ partially offsets the 2.5% FX (net loss ~0.25¢/$ vs. ~1.5¢/$ on TD/BMO cards).
✗ Avoid when
- If you don't fly Air Canada at least 2–3x per year, the $599 fee is hard to justify — net value is only $692 in this profile vs. $1,146 for TD First Class.
- Groceries, dining, gas, travel-via-Expedia — beaten by Eclipse or First Class.
Amex Platinum5 situations / 4 red flags[ + ]
Amex Platinum
5 situations / 4 red flags
✓ Use when
- Restaurants and travel where Amex is accepted — 2x MR × 1.5¢ = 3¢/$, tied with Eclipse on dining.
- Booking 2+ night hotel stays via Fine Hotels + Resorts (room upgrade, breakfast for 2, $100 property credit — frequently $300–$500 of real value per stay, on top of points).
- Any time you'll use a Centurion Lounge or Global Lounge Collection lounge — lounge access is best-in-class (10/10).
- Spending the $200 annual dining credit and $200 travel credit (treat these as guaranteed; don't let them expire).
- Applying the $100 NEXUS rebate (every 4 years).
✗ Avoid when
- Anywhere Amex isn't accepted — most Canadian grocery stores, gas stations, and small merchants take Visa/MC only.
- Groceries, gas, recurring, 'all other' — base 1x rate is poor (1.5¢/$) vs. category specialists.
- Foreign spend — 2.5% FX, no rebate.
- If you won't realistically use $400+ of the credits and at least one premium lounge visit per year, the $799 fee makes this a net loss.
BMO Ascend3 situations / 4 red flags[ + ]
BMO Ascend
3 situations / 4 red flags
✓ Use when
- Travel purchases when TD First Class isn't an option (5x BMO Rewards × 0.67¢ = 3.35¢/$).
- Recurring bills if you don't hold TD Aeroplan VIP (3x = 2.01¢/$).
- As a backup card for Mastercard-only acceptance situations.
✗ Avoid when
- Almost everything else — beaten on every category by at least one other card in this set.
- Groceries, gas, 'all other' — base 1x × 0.67¢ = 0.67¢/$, the worst rate in the lineup.
- Foreign spend — 2.5% FX.
- If holding TD First Class + Eclipse + Aeroplan VIP, this card is redundant — net value $549 is the lowest in the group.