Merchants • Travel

Best Credit Cards for VIA Rail

Among the cards CardTruth has reviewed, the American Express Gold Rewards Card earns the most at VIA Rail: 2x points, worth ≈4% of what you spend. Compare the top two →

Cards accepted

In store
Visa, Mastercard and American Express
Online
Visa, Mastercard and American Express

How purchases code (MCC)

  • 4112Passenger railwaysCommonly reported

    Codes as a passenger railway (4112), which cards' travel rates include; some transit rates also list it.

A purchase's code is set by the merchant's payment processor and card network, not by your card, and it can differ by location, network and over time (American Express classifies merchants itself). Your statement shows how a purchase actually coded. Last verified October 2026.

Personal cards accepted in store

  1. Amex GoldCategory match
    ≈4%2x points
  2. Amex PlatinumCategory match
    ≈4%2x points
  3. BMO Ascend World EliteCategory match · Spending cap applies
    ≈3.35%5x points
  4. CIBC Aeroplan Visa Infinite PrivilegeCategory match · Spending cap applies
    ≈3%1.5x points
  5. Scotia Passport PrivilegeCategory match
    ≈3%3x points
Show all 80 personal cardsShow fewer
  1. TD Aeroplan PrivilegeCategory match · Spending cap applies
    ≈3%1.5x points
  2. Amex Aeroplan ReserveBase rate
    ≈2.5%1.25x points
  3. RBC Avion InfiniteCategory match
    ≈2.25%1.25x points
  4. RBC Avion PrivilegeBase rate
    ≈2.25%1.25x points
  5. Amex Aeroplan CardBase rate
    ≈2%1x points
  6. Amex CobaltBase rate
    ≈2%1x points
  7. Amex GreenBase rate
    ≈2%1x points
  8. CIBC Aeroplan Visa InfiniteBase rate
    ≈2%1x points
  9. Scotia Platinum AmexCategory match
    ≈2%2x points
  10. Amex SimplyCash PreferredBase rate
    2%2% back
  11. TD Aeroplan InfiniteCategory match
    ≈2%1x points
  12. WS Visa Infinite+Base rate
    2%2% back
  13. WS Visa Infinite PrivilegeBase rate
    2%2% back
  14. Marriott Bonvoy AmexBase rate
    ≈1.8%2x points
  15. RBC Avion PlatinumBase rate
    ≈1.8%1x points
  16. BMO VIPorter World EliteBase rate
    ≈1.5%1x points
  17. RBC British AirwaysBase rate
    ≈1.5%1x points
  18. WestJet World EliteBase rate
    ≈1.5%1.5x points
  19. CIBC Aeroplan VisaBase rate
    ≈1.34%0.67x points
  20. CIBC Aeroplan Visa (Student)Base rate
    ≈1.34%0.67x points
  21. TD Aeroplan PlatinumCategory match
    ≈1.34%0.67x points
  22. CIBC Aventura Visa Infinite PrivilegeBase rate
    ≈1.25%1.25x points
  23. Amex SimplyCashBase rate
    1.25%1.25% back
  24. BMO CashBack World EliteBase rate
    1%1% back
  25. CIBC Aventura Gold VisaBase rate
    ≈1%1x points
  26. CIBC Aventura Visa InfiniteBase rate
    ≈1%1x points
  27. CIBC Costco MastercardBase rate
    1%1% back
  28. CIBC Dividend Platinum VisaBase rate
    1%1% back
  29. CIBC Dividend Visa InfiniteBase rate
    1%1% back
  30. PC Insiders World Elite MastercardBase rate
    1%1% back
  31. PC MastercardBase rate
    1%1% back
  32. PC World Elite MastercardBase rate
    1%1% back
  33. PC World MastercardBase rate
    1%1% back
  34. RBC Cash Back PreferredBase rate
    1%1% back
  35. Momentum VisaBase rate
    1%1% back
  36. Momentum Visa (Student)Base rate
    1%1% back
  37. Momentum Infinite+Base rate
    1%1% back
  38. Scotiabank AmexBase rate
    ≈1%1x points
  39. Scotiabank Amex (Student)Base rate
    ≈1%1x points
  40. Scotia Gold AmexCategory match
    ≈1%1x points
  41. Scotia Passport Infinite+Category match
    ≈1%1x points
  42. Scotia Scene+ VisaBase rate
    ≈1%1x points
  43. Scotia Scene+ Visa (Student)Base rate
    ≈1%1x points
  44. ScotiaGold PassportBase rate
    ≈1%1x points
  45. TD Cash Back InfiniteBase rate
    1%1% back
  46. TD First Class TravelBase rate
    ≈1%2x points
  47. WestJet RBC MCBase rate
    ≈1%1x points
  48. CIBC Adapta MastercardBase rate
    ≈0.83%1x points
  49. CIBC Adapta Mastercard (Student)Base rate
    ≈0.83%1x points
  50. moi RBC VisaBase rate
    ≈0.8%1x points
  51. BMO VIPorter MastercardBase rate
    ≈0.75%0.5x points
  52. TD Platinum TravelBase rate
    ≈0.75%1.5x points
  53. RBC IONBase rate
    ≈0.71%1x points
  54. RBC ION+Base rate
    ≈0.71%1x points
  55. RBC U.S. Dollar GoldBase rate
    ≈0.71%1x points
  56. BMO Blue Rewards World EliteBase rate
    ≈0.67%1x points
  57. BMO eclipse Visa InfiniteBase rate
    ≈0.67%1x points
  58. BMO eclipse Visa Infinite PrivilegeBase rate
    ≈0.67%1x points
  59. More Rewards InfiniteBase rate
    ≈0.6%4x points
  60. BMO CashBack MastercardBase rate
    0.5%0.5% back
  61. CIBC Aventura VisaBase rate
    ≈0.5%0.5x points
  62. CIBC Aventura Visa (Student)Base rate
    ≈0.5%0.5x points
  63. CIBC Dividend VisaBase rate
    0.5%0.5% back
  64. CIBC Dividend Visa (Student)Base rate
    0.5%0.5% back
  65. CIBC USD Aventura Gold VisaBase rate
    ≈0.5%0.5x points
  66. RBC Cash Back MCBase rate
    0.5%0.5% back
  67. Momentum MastercardBase rate
    0.5%0.5% back
  68. Momentum No-Fee VisaBase rate
    0.5%0.5% back
  69. Momentum No-Fee (Student)Base rate
    0.5%0.5% back
  70. BMO CashBack Mastercard (Student)Base rate
    0.5%0.5% back
  71. TD Cash Back VisaBase rate
    0.5%0.5% back
  72. TD Rewards VisaBase rate
    ≈0.5%1x points
  73. More Rewards VisaBase rate
    ≈0.45%3x points
  74. BMO Blue Rewards MastercardBase rate
    ≈0.34%0.5x points
  75. BMO eclipse rise VisaBase rate
    ≈0.34%0.5x points

Business cards

  1. Amex Aeroplan Business ReserveBase rate
    ≈2.5%1.25x points
  2. Amex Business PlatinumBase rate
    ≈2.5%1.25x points
  3. Amex Business Gold RewardsBase rate
    ≈2%1x points
Show all 4 business cardsShow fewer
  1. Marriott Bonvoy Business AmexBase rate
    ≈1.8%2x points

Values are cash-back equivalents: percentage rates as stated, and points at CardTruth's estimated point value (each teardown's Points & Redemption section explains it). Rates come from each card's terms; welcome offers aren't included. Confirm current rates with the issuer before you rely on them.