MCC 4112 · Passenger Railways · Transportation
For MCC 4112 (Passenger Railways) in Canada, the Scotia Momentum Visa Infinite+ Card gives the highest cashback at 2% (cap: C$25,000 annual spend in the 2% tier).
Tick the cards you hold to see which one to use here.
Based on published card terms, last checked 2026-09-24. Rates, caps and exclusions change; confirm with your bank before relying on them.
Miles are converted at your mile value; points cards without a published point value are listed separately below.
1.Scotia Momentum Visa Infinite+ Card
Gas stations, EV charging, transit and rideshare
Each accelerated tier (4% and 2%) has its own C$25,000 annual spend limit, resetting every 12 months from the account-opening statement period
Terms checked 2026-09-24 · Issuer terms ·
2.CIBC Dividend Visa Infinite Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
3.TD Cash Back Visa Infinite Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
1.CIBC Aventura Visa Infinite Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
2.Scotiabank Gold American Express Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
For MCC 4112 (Passenger Railways) in Canada, the Scotia Momentum Visa Infinite+ Card gives the highest cashback at 2% (cap: C$25,000 annual spend in the 2% tier).
MCC 4112 is the merchant category code for Passenger Railways (Transportation). MCC 4112 covers passenger railways, including intercity and long-distance rail operators and railway ticket sales. It is often confused with 4111 (local and suburban commuter passenger transportation), which many metro, subway, and urban transit systems use. Which code a rail operator uses depends on whether it is classified as intercity rail or local commuter transport.
MCC Explorer is independent and not affiliated with any bank. Card rules are summarised from each issuer's published terms; we don't guarantee that a transaction will earn rewards.