Recommended strategy
Strategy for the No-Fee Simplicity profile
This strategy emphasizes predictable value and covers general spending, groceries, recurring payments, gas, dining.
- CIBC Costco MastercardPrimary card for alternative transportation, general spending, entertainment, gas, groceries, recurring payments, dining.
- 2-year total
- $936 CAD
- 3-year total
- $1,404 CAD
The first year includes offers earned during the first 12 months; subsequent years use recurring value.
The strategy has no recurring annual fee.
View the calculation
How to use each card
The breakdown shows each card’s contribution. Applicable fees have already been deducted.
Transportation : $2,400 CAD · Everyday purchases : $9,600 CAD · Entertainment : $2,400 CAD · Gas / charging : $3,600 CAD · Groceries : $8,400 CAD · Pre-authorized payments : $6,000 CAD · Restaurants : $3,600 CAD
- Recurring annual
- $468 CAD
- First year
- $468 CAD
- 2-year total
- $936 CAD
- 3-year total
- $1,404 CAD
Primary card for alternative transportation, general spending, entertainment, gas, groceries, recurring payments, dining.
View cardScenario total: $36,000 CAD — each expense is assigned to one card only.
Each amount reflects the spending assigned to that card, plus its valued benefits and, when requested, its eligible welcome offer, minus the fees applicable to the period. The card amounts add up to the strategy total.
View the reference scenario used
This standardized basket is used only when your actual spending is unavailable. A personalized analysis replaces it with your actual spending.
Reference annual spending: $36,000 CAD
- Transportation$2,400 CAD
- Everyday purchases$9,600 CAD
- Entertainment$2,400 CAD
- Gas / charging$3,600 CAD
- Groceries$8,400 CAD
- Pre-authorized payments$6,000 CAD
- Restaurants$3,600 CAD
Point values, fees, credits, benefits, and welcome-offer values follow the same methodology for every profile.