Canada Rewards Hub is the ultimate guide for newcomers looking to make the most of their everyday spending in Canada. From groceries and pharmacies to coffee shops, banks, and transit, this site brings together over 200 of the top free and paid loyalty, membership, and rewards programs across Canada — all in one easy place. Whether you're trying to save money, earn points, or access local discounts, you'll find simple explanations, direct sign-up links, and helpful comparisons to help you choose what's best for you and your family as you settle in.
Loblaws, No Frills, Shoppers Drug Mart, Real Canadian Superstore, Joe Fresh, Esso, Mobil
PC Optimum is Canada’s most popular multi-store rewards program, letting you earn points on groceries, pharmacy items, apparel, and fuel across the country. Enjoy seamless digital accrual and redemption for real-dollar savings at the checkout.
Ideal for families, students, and anyone who shops for groceries or fuel regularly and wants to maximize everyday savings.
How you earn: Earn 15 points per $1 at Shoppers Drug Mart and up to 30 points per litre at Esso/Mobil. Perks: 10,000 points = $10 off groceries or pharmacy. Redeeming: redeem instantly in‑store or online when you reach 10k points.
Metro, Shell, Staples, Budget Car Rental, LCBO, Irving Oil, Global Pet Foods
Air Miles lets you collect miles on everyday purchases from a wide range of retail, fuel, and service partners, then redeem them for travel, merchandise, or instant cash-off rewards.
Great for shoppers who appreciate flexibility—convert miles to travel, gift cards, or instant savings.
How you earn: Earn 1 Mile for every $20 spent with most partners (or better on in‑store promos. Redeeming: 95 Cash Miles = $10 off at checkout or redeem Dream Miles for travel (~11–15¢ value each; Cash redemptions are instant.
Air Canada, Star Alliance, LCBO, Starbucks
Aeroplan is Air Canada’s leading travel rewards program and retail coalition, letting you earn points on flights and everyday spending for flights, hotel stays, car rentals, merchandise, and more.
Perfect for frequent flyers and daily shoppers who want one points currency for travel and retail.
How you earn: Earn points on Air Canada flights (distance‑based) and 2 pts per $1 at many retailers via Aeroplan eStore; no cash expiry if you earn/redeem within 18 months. Redeeming: Points worth 1.5–2.2¢ toward flight rewards.
Cineplex, Sobeys, FreshCo, Foodland, Home Hardware, Scotiabank
Scene+ is a multi-industry rewards program combining movies, groceries, dining, hardware, and banking under one points system for versatile earning and redemption.
Ideal for movie lovers and grocery shoppers who want to pool points across entertainment and everyday purchases.
How you earn: Earn 1 pt per $1 at Cineplex and Sobeys banners and up to 6x with Scotiabank credit cards; 1,000 pts = $10 toward groceries, movies or travel via Expedia. Redeeming: redeem in real time at Sobeys checkout.
Canadian Tire, SportChek, Atmosphere, Mark’s, Party City, Gas+
Triangle Rewards digitizes Canadian Tire Money across Canadian Tire and affiliate stores, so you earn rewards seamlessly on automotive, home, sporting goods, and fuel.
Perfect for homeowners, DIY enthusiasts, and families shopping at Canadian Tire and partners.
How you earn: Earn 4% back in CT Money on Canadian Tire & SportChek plus 5¢/L back in CT Money at Gas. Redeeming: CT Money is equal‑value cash (1 CT¢ = 1¢) redeemable at the same banners anytime with no minimum.
Metro, Food Basics
Moi Rewards is Metro’s new loyalty program replacing Air Miles, offering points on groceries, personalized digital coupons, and flexible redemption options.
Great for grocery shoppers in Ontario seeking immediate savings and personalized offers.
How you earn: Earn points per dollar. Perks: Weekly personalized offers; Bonus events. Redeeming: Redeem as soon as 500 points.
Longo’s
Thank You Rewards is Longo’s in-house program rewarding you for every dollar spent at Longo’s markets with points redeemable for grocery discounts.
Ideal for GTA residents who frequent Longo’s and want exclusive member pricing and bonus point events.
How you earn: Earn points on all purchases. Perks: Member-only pricing; Bonus point promotions. Redeeming: Redeem points at checkout.
Walmart.ca, Walmart stores
The Walmart Rewards Mastercard lets you earn cash-back points on all purchases, with higher rates when you shop online at Walmart.ca or in-store.
Excellent for loyal Walmart shoppers who want straightforward cashback on everyday purchases.
How you earn: 1.25% back on Walmart.ca; 1% back in-store. Redeeming: Redeem on groceries and general merchandise.
All Costco warehouses, Costco Travel
Costco membership grants access to bulk pricing, exclusive services, and the Executive tier provides 2% annual cashback on most purchases.
Great for families and businesses that make bulk purchases and book travel through Costco Travel.
How you earn: Executive: 2% cashback up to $1,000. Perks: Bulk pricing; Member-only services and deals.
All Giant Tiger stores
GT VIP is Giant Tiger’s app-based loyalty program, offering weekly VIP pricing, app-exclusive coupons, and personalized deals.
Perfect for bargain hunters and families looking for extra savings on essentials.
Perks: Exclusive weekly deals; Instant app discounts; Personalized digital coupons.
Rexall drugstores
Be Well rewards you for pharmacy and store purchases, with health-focused offers, app integration, and bonus point events.
Ideal for health-conscious shoppers and regular pharmacy visitors seeking both points and wellness content.
How you earn: 10 points per $1. Perks: Bonus points events; App health integration. Redeeming: Redeem points for discounts.
Participating Pharmasave pharmacies
Pharmasave Rewards lets you earn points on eligible front-store and prescription purchases at Pharmasave locations, redeemable for in-store discounts.
Good for community pharmacy patrons looking to save on health and household essentials.
How you earn: 1 point per $1. Perks: Local promotions. Redeeming: Redeem for cash discounts or gift certificates.
Hudson’s Bay, Zellers kiosks
Hudson’s Bay Rewards offers tiered point accrual on department store and online purchases, with VIP tiers earning accelerated points and exclusive perks.
Perfect for fashion and home goods shoppers who want gift card redemptions and tier benefits.
How you earn: 1–2 points per $1. Perks: Exclusive VIP events; Tiered bonuses. Redeeming: Redeem for gift cards.
Indigo, Chapters, Coles
Plum Rewards combines free points for everyday purchases with an optional paid plum+ tier offering 10% off, free shipping, and bonus points—perfect for book and gift shoppers.
Ideal for students and book lovers who value both points and direct discounts.
How you earn: 5 points per $1; 2,500 pts = $5 off. Perks: plum+ gets 10% off and free shipping; bonus events.
All IKEA Canada locations
IKEA Family is a free membership club giving you exclusive member pricing, free coffee or tea, purchase price protection, and invitations to in-store events.
Great for home decorators and DIY enthusiasts seeking extra savings and workshops.
Perks: Member-only pricing; Free beverage; Price protection; Free workshops.
All MEC stores
MEC Membership provides members-only promotions, advanced access to gear launches, and the Rocksolid Guarantee for outdoor enthusiasts.
Perfect for adventurers and members who value quality gear and service guarantees.
Perks: Exclusive sales; Early product access; Rocksolid Guarantee; Member-only events.
All Sephora stores, online
Beauty Insider is a tiered cosmetics loyalty program earning points on every purchase, redeemable for deluxe samples, products, and special in-store experiences.
Ideal for beauty enthusiasts seeking both samples and exclusive event access.
How you earn: 1 point per $1. Perks: Tier perks like free shipping; Exclusive events. Redeeming: Redeem for samples or $10 off.
All H&M Canada stores, online
H&M Member offers point accrual, member pricing, free returns, and early access to sales for fashion-forward shoppers.
Great for trend-conscious shoppers who value fast fashion and exclusive discounts.
How you earn: 1 point per $1; 200 pts = $5 voucher. Perks: Member-only prices; Free returns; Early sale access.
Staples stores, online
Staples Rewards returns up to 5% back in monthly rewards cheques, plus free next-day shipping on qualifying orders.
Ideal for businesses and educators frequently ordering office supplies.
How you earn: Up to 5% back. Perks: Monthly rewards cheques; Free shipping on orders $35; Special educator perks.
Best Buy stores, online
Best Buy Account holders get personalized deals, early access to promotions, and a streamlined checkout experience.
Great for tech fans wanting exclusive member sales and faster checkout.
Perks: Member-only sales; Early access to promotions; Personalized offers; Faster checkout.
Home Hardware, Home Building Centre
Home Hardware joined Scene+, so members earn points on every purchase at co-op locations, redeemable at any Scene+ partner.
Great for contractors and DIYers wanting to earn hardware points along with groceries and cinema.
How you earn: 1 Scene+ point per $1. Perks: Bonus point events. Redeeming: Redeem for entertainment and grocery rewards.
Home Depot stores
Pro Xtra is Home Depot’s loyalty program for professionals and serious DIYers, featuring quarterly rebate gift cards, member pricing, and dedicated contractor support.
Perfect for trade professionals and frequent home improvers.
Perks: Quarterly rebate gift cards; Pro pricing on bulk; Priority services; Spend tracking.
Tim Hortons restaurants, app
Tims Rewards lets you earn points on every coffee, breakfast, or snack purchase, redeemable for free menu items.
Ideal for coffee and breakfast enthusiasts seeking free treats.
How you earn: 10 points per $1. Perks: 400 points = free coffee or snack; App challenges; Birthday reward.
McDonald’s restaurants, app
MyMcDonald’s Rewards gives you points on every purchase made through the app or kiosk, redeemable for a tiered selection of menu items.
Perfect for fast-food lovers who visit McDonald’s frequently.
How you earn: 100 points per $1. Perks: Tiered redemptions (e.g., free fries, burgers, meals; App-only bonuses; Birthday treat.
Starbucks cafes, app
Starbucks Rewards uses Stars to reward coffee and tea purchases, with free drink and food redemptions, refills, and member perks.
Ideal for coffee aficionados wanting flexible rewards and personalized offers.
How you earn: 1–2 Stars per $1. Perks: 150 Stars = free handcrafted drink; Free refills; Exclusive offers.
Subway restaurants, app
Subway MVP Rewards offers points and tiered status on every sub purchase, plus bonus points for app orders and birthday rewards.
Great for sandwich lovers who eat at Subway regularly.
How you earn: 10 points per $1. Perks: Tier bonuses; App-exclusive offers; Birthday reward. Redeeming: 400 points = $2 Subway Cash.
Pizza Pizza locations, app
Pizza Pizza Rewards digitizes the classic buy-10-get-1-free pizza loyalty, tracking orders in the app to reward you with a free pizza after 10 purchases.
Perfect for pizza fans seeking a straightforward earn-and-redeem experience.
How you earn: 1 stamp per qualifying order. Perks: 10 stamps = free pizza; App-exclusive deals.
Domino’s stores, app
Domino’s Rewards awards points per online order, redeemable for free pizzas and other menu items once you hit the threshold.
Ideal for Domino’s lovers wanting free pizzas after repeat orders.
How you earn: 10 points per order. Perks: 60 points = free medium pizza; App coupons; Points rollover.
Burger King restaurants, app
Royal Perks gives you Crowns on every app purchase, redeemable for menu items, plus daily perk choices and birthday rewards.
Great for burger fans seeking free upgrades and menu items.
How you earn: 100 Crowns per $1. Perks: Redeem for free items; Daily perks; Birthday reward.
A&W restaurants, app
A&W App Offers delivers exclusive coupons and buy-X-get-Y deals through the mobile app for instant savings.
Perfect for A&W customers who love instant app-based deals without points tracking.
Perks: App-exclusive coupons; Free add-ons; Buy-X-get-Y deals.
GO Transit, TTC, partner attractions & retailers
PRESTO Perks offers transit riders exclusive discounts at Ontario attractions, entertainment venues, and retailers when they show their PRESTO fare card.
Ideal for transit users who want local deals on culture, dining, and retail.
Perks: Automatic discounts; No sign-up; Wide partner network; Rotating offers.
Shell, hotels, car rentals, restaurants, retailers
CAA Membership includes roadside assistance plus access to a network of partner discounts on fuel, hotels, car rentals, dining, and entertainment.
Great for drivers and travellers seeking peace of mind and everyday savings.
How you earn: 3¢/L off fuel; 10–20% off hotels & entertainment. Perks: 24/7 roadside assistance. Redeeming: CAA Dollars store credit.
Zipcar city locations
Zipcar Membership lets you access cars by the hour or day with fuel and insurance included—perfect for occasional urban car sharing.
Ideal for city dwellers needing flexible car access without ownership costs.
Perks: Fuel & insurance included; Hourly and daily rates; 200 km/day included; Round-the-clock access.
Uber rides, Uber Eats
Uber One is a subscription that delivers savings on Uber rides and Eats deliveries plus priority service and member perks.
Perfect for frequent riders and delivery users who want lower fees and faster service.
How you earn: 5% off Uber rides. Perks: Free Eats delivery on orders $15; Reduced service fees; Priority support.
DoorDash restaurant partners
DashPass subscription gives free delivery and reduced service fees on unlimited DoorDash orders above the minimum order value.
Great for regular food delivery customers wanting predictable delivery costs.
Perks: Free delivery on $15; Reduced service fees; Priority support.
Major grocery retailers on Instacart
Instacart+ membership offers free delivery on grocery orders over $35 and reduced service fees for all orders.
Perfect for frequent grocery delivery users wanting to save on fees and get priority scheduling.
Perks: Free delivery on $35; Lower service fees; Member-only promotions; Priority scheduling.
WestJet flights, vacation packages
WestJet Rewards gives members percent-back WestJet Dollars on flight and vacation purchases, redeemable like cash for future travel with no blackout dates.
Ideal for frequent WestJet travellers wanting simple and transparent cashback rewards.
How you earn: 0.5–8% back on flights. Perks: No blackout dates; Elite tier benefits. Redeeming: Redeem as cash credit.
Porter flights
VIPorter rewards frequent flyers with points per dollar spent on flights and extras, redeemable for fares and upgrades with no blackout dates.
Great for travellers flying Porter regionally who want straightforward rewards and elite perks.
How you earn: 5–7 points per $1. Perks: Elite tier benefits; No blackout. Redeeming: Redeem for flights and upgrades.
VIA Rail ticketing
VIA Préférence awards points on train ticket purchases and offers tiered perks like lounge access and priority boarding for Canada’s national rail carrier.
Ideal for regular Via Rail travelers seeking extra comfort and value.
How you earn: 1–1.5 points per $1. Perks: Dynamic reward pricing; Lounge access; Priority services.
Marriott, Sheraton, Westin, Delta Hotels, etc.
Marriott Bonvoy unites over 30 hotel brands under one program, offering points on stays, elite status perks, and member-only rates worldwide.
Perfect for both business and leisure travelers who stay at Marriott properties.
How you earn: 10 points per $1 on room rate. Perks: Redeem for free nights; Elite status benefits; No blackout.
Hilton, Hampton Inn, DoubleTree, etc.
Hilton Honors rewards you with points on hotel stays and on-property spending, plus VIP benefits like free breakfast and room upgrades.
Great for travelers loyal to Hilton family properties wanting consistent perks.
How you earn: 10 points per $1. Perks: Redeem for free nights; Free breakfast; Suite upgrades; Late checkout.
Holiday Inn, Crowne Plaza, InterContinental, Staybridge, etc.
IHG One Rewards offers points on stays at IHG brands, with flexible redemption and milestone rewards for elite members.
Ideal for midscale and upscale travelers seeking variety and no-blackout bookings.
How you earn: 10 points per $1. Perks: Redeem for free nights; No blackout dates; Milestone perks.
Hyatt Regency, Park Hyatt, Hyatt Place, etc.
World of Hyatt offers high-value points, suite upgrades, and exclusive elite experiences across Hyatt’s global portfolio.
Perfect for luxury travelers seeking premium benefits and personalized service.
How you earn: 5 points per $1. Perks: Suite upgrades; Club lounge access; Late checkout; Free nights.
Comfort Inn, Quality Inn, Clarion, Ascend Collection, etc.
Choice Privileges rewards stays at Choice brands with flat free-night redemption tiers and airline transfer options.
Great for budget-conscious travelers seeking predictable redemption rates.
How you earn: 10 points per $1. Perks: Tiered free-night options; Airline transfer; No blackout dates.
Best Western, BW Plus, BW Premier, etc.
Best Western Rewards offers points on stays at Best Western properties worldwide, with no blackout dates and points that never expire.
Ideal for road-trip travelers wanting consistent value and flexible redemption.
How you earn: 10 points per $1. Perks: No expiration; Redeem for free nights; Tiered bonuses.
Fairmont, Sofitel, Novotel, Ibis, etc.
ALL – Accor Live Limitless offers points on stays, dining, and spa services at Accor brands, plus lifestyle experiences and airline transfers.
Great for luxury and midscale travelers seeking diverse brand perks.
Perks: Points on room/dining/spa; Status-based perks. Redeeming: Redeem for stays or dining credits.
Days Inn, Ramada, Super 8, Wyndham, etc.
Wyndham Rewards offers flat-rate redemption tiers and points on every stay across Wyndham’s global portfolio.
Perfect for budget travelers who want predictable free-night options.
How you earn: 10 points per $1 or 1,000 points minimum. Perks: Free-night tiers at 7,500/15,000/30,000 points.
amazon.ca
Amazon Prime membership provides free fast shipping, Prime Video, Music, Reading, and exclusive deals for one annual fee.
Ideal for online shoppers and media consumers who want bundled benefits.
Perks: Free 2-day shipping; Prime Video/Music/Reading; Prime Day deals; Member-only discounts.
netflix.com
Netflix offers subscription plans for unlimited streaming of movies, series, and documentaries, with original content and offline downloads.
Perfect for binge-watchers seeking a vast and diverse content library.
Perks: Unlimited streaming; Offline downloads; Multiple profiles; Personalized recommendations.
disneyplus.com
Disney+ subscription gives access to Disney, Pixar, Marvel, Star Wars, and National Geographic collections.
Ideal for families and franchise fans wanting exclusive and classic Disney content.
Perks: Exclusive Disney content; Offline viewing; Multiple streams; Family profiles.
crave.ca
Crave offers premium streaming of HBO, Showtime, STARZ, and original Canadian programming.
Great for viewers seeking top-tier premium TV content in Canada.
Perks: HBO & Showtime content; Canadian originals; Ad-free; Multiple screens.
spotify.com
Spotify Premium provides ad-free music streaming, offline listening, and unlimited skips on a vast catalog of songs and podcasts.
Perfect for music lovers and podcast enthusiasts wanting premium audio features.
Perks: Ad-free listening; Offline downloads; Unlimited skips; High-quality audio.
hellofresh.ca
HelloFresh meal kit subscription delivers fresh ingredients and chef-designed recipes to your door weekly.
Ideal for home cooks seeking convenience and culinary variety.
Perks: Pre-portioned ingredients; Recipe variety; Flexible menus; Skip anytime.
makegoodfood.ca
GoodFood WOW subscription offers unlimited free grocery and meal kit deliveries for a flat monthly fee.
Perfect for frequent grocery and meal kit users wanting predictable delivery costs.
Perks: Unlimited free delivery; Meal kit options; Flexible plans; No order minimums.
BMO travel portal, partner merchants
BMO Rewards lets you earn points on select BMO credit cards, redeemable for travel, gift cards, or statement credits.
Excellent for BMO cardholders who want flexibility in redeeming points for travel or everyday spending.
How you earn: 3 points per $1 on dining/travel. Perks: No expiry with active card. Redeeming: Redeem for travel.
RBC travel portal, partner merchants
Avion Rewards offers RBC customers flexible travel points with fixed-point flight redemption schedules and airline transfers.
Perfect for RBC clients seeking reliable travel redemptions and airline partnerships.
How you earn: 1 point per $1. Perks: Transfer to airlines; Fixed-point flight chart.
Expedia For TD, Amazon, Starbucks
TD Rewards lets credit card holders earn points on everyday spending and redeem them for travel, Amazon purchases, or statement credits.
Great for TD cardholders wanting easy redemption on travel and retail.
How you earn: 3 points per $1 on travel; 2 per $1 on groceries. Redeeming: Redeem at 200 points = $1 travel.
CIBC Rewards Center, travel partners
CIBC Aventura rewards you with points on credit card spend, redeemable for travel, merchandise, or financial credits.
Ideal for CIBC cardholders seeking travel and retail rewards.
How you earn: 2 points per $1 on travel. Perks: 1.5 on gas/grocery. Redeeming: Redeem at 100 points = $1.
Airline & hotel transfer partners, Amex travel portal
Amex Membership Rewards is a premier points program allowing transfers to top airline and hotel partners or direct redemption for travel bookings.
Perfect for premium cardholders who value flexibility and transfer bonuses.
How you earn: Book travel at 0.8¢–2¢ per point. Perks: Flexible transfers; No expiry.
HSBC travel portal, retail partners
HSBC Rewards provides points on credit card spend, redeemable for travel, merchandise, or statement credits.
Good for HSBC customers wanting bank-centric rewards.
How you earn: 1 point per $1; Redeem for travel or cash-back. Perks: Periodic bonus promotions.
Petro-Canada, Chevron, Ultramar, Pioneer, On the Run
Petro-Points rewards you for fuel and convenience store purchases across multiple fuel banners, redeemable for fuel discounts, car washes, and in-store items.
Ideal for drivers who fuel up frequently and want fuel savings and c-store rewards.
How you earn: Earn points per litre and per dollar. Perks: Bonus point offers. Redeeming: Redeem for fuel & convenience items.
RBC credit cards, Avion Rewards portal merchants
Bank rewards program for RBC credit cardholders earning Avion points redeemable for travel and merchandise.
RBC credit‑card holders who travel frequently and want flexible flight redemptions.
How you earn: Earn 1 pt per $1 (1.25 on travel; Fixed‑price flight chart or pay‑with‑points at 1¢. Perks: transferable to WestJet, British Airways, Cathay; Points never expire.
CIBC credit cards, Aventura Travel centre
Travel loyalty program for CIBC cardholders with flight reward chart and flexible redemption.
CIBC cardholders who want both fixed‑chart and pay‑with‑points options.
How you earn: Earn up to 2 pts per $1; Flights start at 5k pts. Perks: can pay taxes/fees with points; insurance included.
American Express charge & credit cards, Amex Offers, transfer partners
Flexible points transferable to 10+ airline & hotel partners or redeemable for travel, gift cards, statement credit.
Amex cardholders valuing premium transfer partners like Aeroplan, Avios & Marriott.
How you earn: Earn up to 5 pts per $1 depending on card. Perks: Transfer 1:1 to Aeroplan, Avios; frequent transfer bonuses. Redeeming: Use points for purchases at 1¢.
Expedia, Hotels.com, Vrbo
Unified travel loyalty currency replacing Expedia Rewards & Hotels.com Stamps.
Online bookers wanting rewards across flights, hotels & vacation rentals.
How you earn: Earn 2% in OneKeyCash on hotels & activities (0.2% on flights. Perks: no minimum. Redeeming: OneKeyCash worth CA$1 toward future bookings.
Petro‑Canada gas stations & convenience
Gas station loyalty program with points redeemable for fuel savings and car washes.
Drivers who fuel at Petro‑Canada regularly.
How you earn: Earn 10 pts per litre of fuel and 20 pts per dollar in store; 1,000 pts = $1 off fuel or car wash; extra 3¢/L off with linked RBC card.
Shell gas stations, Select stores
App‑based program giving fuel discounts and bonus offers.
Motorists preferring Shell fuels.
How you earn: Earn 10 Go+ points per litre. Perks: 500 points = $1 reward; stack with Air Miles for double dip.
Circle K, Irving Oil (select), Couche‑Tard
Convenience store program with product freebies and fuel discounts.
Anyone visiting Circle K for snacks or gas.
How you earn: Get 10 pts per litre and 20 pts per dollar in‑store; 2,000 pts = $2 in credit. Perks: every 10 coffee purchases get one free.
CAA travel & insurance, partner retailers
Member program earning CAA Dollars to reduce membership fees or pay for travel.
CAA members looking for roadside & rewards.
How you earn: Earn up to 20% back in CAA$ at over 124,000 partners. Perks: CAA$1 = CA$1. Redeeming: apply to membership renewal or travel.
Rexall Drugs
Pharmacy loyalty program with health tracking and points.
Shoppers at Rexall pharmacies.
How you earn: Earn 10 pts per $1 spent; 25,000 pts = $10 redeemable. Perks: personalized health offers weekly.
Metro grocery stores
Quebec & Ontario grocery rewards with personalized coupons.
Metro shoppers wanting cash coupons.
How you earn: Earn 1 Moi point per $1; monthly rewards cheque at 500 pts thresholds. Perks: 500 points = $4 toward groceries.
Farm Boy grocery stores
App‑based program with dollar credits.
Shoppers seeking premium fresh groceries.
How you earn: Earn 1 Fresh Point per $1. Perks: double points on in‑app offers. Redeeming: 500 points = $5 credit.
Tim Hortons cafes
Canadian coffee chain rewards program.
Tim Hortons regulars.
How you earn: Collect 10 points per qualifying visit; Redeem from 70 pts (donut) to 220 pts (breakfast combo. Perks: expiry 12 months.
McDonald’s restaurants & app
Mobile app program collecting points on menu items.
Fast‑food diners loving McDonald’s.
How you earn: Earn 100 pts per $1; Free medium coffee at 3k pts, Big Mac at 6k pts (~6% return. Redeeming: redeem in app.
Subway restaurants (participating)
Sub loyalty program via app.
Subway fans grabbing sandwiches frequently.
How you earn: Earn 4 tokens per $1; 200 tokens = $2 reward (≈1% back. Perks: surprise bonus boosts.
Burger King restaurants & app
Collect Crowns for free burgers and drinks.
Burger King guests.
How you earn: Earn 10 Crowns per $1. Perks: daily Upsize upgrade for members. Redeeming: Redeem at 150 Crowns for fries/drink.
Amazon.ca, Whole Foods
Credit‑card program with cash back as Amazon Rewards.
Prime members who shop online.
How you earn: Earn 2.5% back at Amazon & Whole Foods (5% in US. Perks: Rewards applied automatically; no foreign transaction fees.
Costco warehouses & online
Executive members earn annual 2% reward certificate.
Households spending over $3k annually at Costco.
How you earn: 2% back on most Costco purchases up to $1,000 per year. Redeeming: redeem certificate for merchandise in warehouse.
Indigo, Chapters, Kobo
Bookstore loyalty program with two paid tiers.
Book lovers buying from Indigo.
How you earn: Free tier: 5 pts per $1; 2,500 pts = $5. Perks: paid Plum+ gives 10% off & free shipping.
Sephora retail & online
Cosmetics loyalty with points & birthday gifts.
Beauty enthusiasts.
How you earn: Earn 1 pt per $1; Redeem for deluxe samples (e.g., 500 pts. Perks: Flash Shipping for 25k+ spend.
GO Transit, TTC, participating retailers
Transit smart card with partner discounts.
Commuters in Greater Toronto & Hamilton Area.
How you earn: Earn 15% off GO fares after 40 trips/month; linked retailers provide 10% off purchases.
Kobo eBook store
E‑book loyalty program with free tier and VIP.
Avid e‑readers.
How you earn: Earn 100 pts per $10 spent; 2,400 pts = $2.40 book credit; VIP subscribers earn double.
Airbnb stays & experiences
Pilot points scheme offering coupon credits for frequent stays.
Frequent Airbnb guests.
How you earn: Earn 5% in Airbnb Credits after every 5 stays. Perks: expire in 24 months. Redeeming: credits auto‑apply to next booking.
SkipTheDishes food delivery
Earn Skip Credits on every order.
Food delivery users in Ontario.
How you earn: 5% back in Skip Credits on eligible orders. Perks: VIP levels unlock surprise perks. Redeeming: apply credits to next meal.
DoorDash delivery
In‑app rewards challenges & DashPass savings.
Frequent DoorDash customers.
How you earn: Earn 5% in DoorDash Credits on pickup orders; DashPass members get $0 delivery & 5% back in Credits.
Uber Rides & Eats (program sunset but legacy pts)
Legacy program for long‑time Uber users.
Existing Uber Rewards members still holding points.
How you earn: Earn 1x‑3x pts per $1; convert 500 pts into $5 credit. Perks: program closed to new members in 2023.
Esso & Mobil stations
Legacy program merged into PC Optimum in 2023; existing points auto‑converted.
Not available; info preserved for context.
Perks: N/A (program ended.
Sobeys, Foodland, FreshCo
Co‑branded Mastercard with cash rewards at Sobeys.
Shoppers wanting cash back instead of Scene+ points.
How you earn: Earn 3% cash back at Sobeys banners; 1% elsewhere. Redeeming: cash automatically applied monthly.
The Works restaurants
Stamp card leading to free burgers.
Burger lovers in Ontario.
How you earn: Collect 1 stamp per entrée. Perks: 7 stamps = free burger; birthday bonus burger.
LCBO stores & online
Earn Aeroplan points on liquor board purchases.
Shoppers buying wine & spirits at LCBO.
How you earn: Earn 1 Aeroplan point per $4 spent. Perks: bonus events up to 20x; points post within 72h and count to status.
Staples retail & online
Business loyalty program giving 3% back.
Small businesses & students buying office supplies.
How you earn: Earn 3% back in Rewards on all purchases. Redeeming: redeem monthly certificates on anything in store.
Sport Chek stores & online
Emails with dollar coupons on spend thresholds.
Athletes buying gear.
Perks: Spend $100, get $10 promotional card; stack with Triangle Money.
Samsung online & retail
Member app with points & exclusive discounts.
Samsung device users.
How you earn: Earn points on Galaxy Store purchases (5% back) redeemable for digital content and coupons.
Home Depot stores & online
Rewards for contractors & DIYers tracking spend.
Trades & DIY homeowners.
How you earn: Receive up to 20% back in gift cards each quarter on large‑volume purchases. Perks: paint & rental perks.
Canadian Tire Gas+ and Partner Gas stations
Gas‑focused credit card earning CT Money and fuel discounts.
Drivers spending >$200/month on fuel.
How you earn: Save 10¢/L for first 90 days then up to 5¢/L; earn 2% CT Money on other purchases. Perks: combine with Triangle app.
Interac purchases everywhere, PC Partner stores
No‑fee banking earning PC Optimum points.
Shoppers who want to accelerate PC Optimum earn without a credit check.
How you earn: Earn 10 pts per $1 at Loblaw banners and 5 pts elsewhere; 10k pts = $10. Perks: no monthly banking fees.
RONA stores
Professional rewards for building materials spend.
Contractors and renovators.
How you earn: Earn up to 5% back in gift cards quarterly. Perks: dedicated service counter and bulk pricing.
Delta, SkyTeam airlines, retail partners
Major US airline program open to Canadians.
Canadians flying Delta or partners to the US & internationally.
How you earn: Earn miles on flights (5x per USD) and partner purchases. Perks: Miles never expire. Redeeming: redeem for flights worldwide.
United, Star Alliance airlines, retail partners
Star Alliance program with wide partner network.
Travellers needing Star Alliance award seats beyond Aeroplan.
How you earn: Earn miles on flights (5x per USD. Perks: miles valid indefinitely with activity; award chart dynamic.
American, Oneworld airlines, eShopping
Flagship Oneworld airline program.
Flyers on AA, Alaska, Qatar, etc. seeking partner awards.
How you earn: Earn miles (5x per USD on airfare. Perks: sweet‑spot partner redemptions; miles don't expire if activity every 24 mo.