Reward Maps
A normalized view of the reward structures the frontend needs to explain clearly.
American Express
American Express Cobalt
Groceries & dining
5x MR points
Streaming
3x MR points
Transit & gas
2x MR points
RBC
RBC Avion Visa Infinite
General purchases
1x Avion point
Travel portal promotions
Varies by campaign
Redemption style
Fixed or flexible travel
TD
TD Aeroplan Visa Infinite
Air Canada purchases
1.5x Aeroplan points
Gas, groceries, dining
1.5x points
Other purchases
1x point
Scotiabank
Scotiabank Momentum Visa Infinite
Groceries & recurring bills
4% cash back
Transit & gas
2% cash back
Other purchases
1% cash back
BMO
BMO CashBack World Elite Mastercard
Groceries
Up to 5% cash back
Transit
4% cash back
Recurring bills
3% cash back
CIBC
CIBC Dividend Visa Infinite
Groceries
4% cash back
Gas & transit
2% cash back
Everything else
1% cash back
Tangerine
Tangerine Money-Back
Chosen categories
2% cash back
Everything else
0.5% cash back
Extra category
Available with Tangerine savings setup
BMO
BMO SPC CashBack Mastercard
Groceries
3% cash back
Recurring bills
1% cash back
Everything else
0.5% cash back