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BMO CashBack World Elite MastercardCIBC Dividend Visa InfiniteNeo World Elite Mastercard - Gas & Grocery
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Category Income (%)Monthly Spend ($)Annual Spend ($)Welcome offer: $40 bonus cash back x 12 months = $480 (min spend of $2,000 each month). Regular offer: 5% cashback on groceries ($500 monthly spending cap)
4% on transit ($300 monthly spending cap)
3% on gas ($300 monthly spending cap)
2% on recurring payments ($500 monthly spending cap)
1% everything else.		Welcome offer: 10% cash back ($200 max) for first 4 statements, $50 cash back for pre-authorize payment for first 4 statements. Regular offer: 4% cashback on gas, 4% EV charging, 4% groceries, 2% on transportation, 2% dining, 2% recurring payments, 2% travel through CIBC by Expedia, and 1% everything else. *groceries & gas combined cap of $20,000. after that 1% applies. *cap of 2% on dining & recurring payments. Regular offer: 5% cashback on groceries ($1,000 monthly spending cap), 4% on recurring payments ($500 monthly spending cap), 3% on gas & EV charging ($1,000 monthly spending cap), and 1% everything else. *when spending cap is reached, 1% cashback for remaining amount spent.
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Groceries9% $ 925.99 $ 11,111.85 $ 351.12 $ 444.47 $ 600.00 Individual Annual Income $ 75,000
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Gas6% $ 617.33 $ 7,407.90 $ 146.08 $ 355.53 $ 222.24 average tax rate (Fed & ON)17.69%
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Car Payments6% $ 617.33 $ 7,407.90 $ 134.08 $ 88.88 $ 254.08 Annual net income $ 61,732.50
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Auto Insurance2% $ 205.78 $ 2,469.30 $ 24.69 $ 24.69 $ 24.69 Individual Monthly net income $ 5,144.38
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Utilities3% $ 308.66 $ 3,703.95 $ 37.04 $ 37.04 $ 37.04 Individual Income Tax $ 13,267.50
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Cell Phone & Internet2% $ 205.78 $ 2,469.30 $ 24.69 $ 24.69 $ 24.69
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Subscriptions2% $ 205.78 $ 2,469.30 $ 24.69 $ 24.69 $ 24.69
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Restaurants5% $ 514.44 $ 6,173.25 $ 61.73 $ 61.73 $ 61.73
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Entertainment3% $ 308.66 $ 3,703.95 $ 37.04 $ 37.04 $ 37.04
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Shopping5% $ 514.44 $ 6,173.25 $ 61.73 $ 61.73 $ 61.73 Household net income $ 123,465.00
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Travel6% $ 617.33 $ 7,407.90 $ 74.08 $ 74.08 $ 74.08 Household monthly net income $ 10,288.75
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Health & Fitness3% $ 308.66 $ 3,703.95 $ 37.04 $ 37.04 $ 37.04 Household Income tax $ 26,535.00
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Childcare/Kids' Activities4% $ 411.55 $ 4,938.60 $ 49.39 $ 49.39 $ 49.39
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Miscellaneous5% $ 514.44 $ 6,173.25 $ 61.73 $ 61.73 $ 61.73
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Housing34% $ 3,498.18 $ 41,978.10 $ - $ - $ -
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Savings & Investments5% $ 514.44 $ 6,173.25 $ - $ - $ -
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TOTAL CASHBACK w/o promo100% $ 10,288.75 $ 123,465.00 $ 1,125.14 $ 1,382.74 $ 1,570.18
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TOTAL CASHBACK w/ promo $ 1,605.14 $ 1,632.74 N/A
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difference in cashback445.04
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spending cap20000
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spending cap balance (gas) $ 8,888.15
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spending cap balance (car payments)
 $ 1,480.25
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