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    Best card by MCC / Canada / MCC 4789

    Best credit card for MCC 4789 in Canada

    MCC 4789 · Transportation Services Not Elsewhere Classified · Transportation

    For MCC 4789 (Transportation Services Not Elsewhere Classified) 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.

    Cards ranked for MCC 4789

    Best overall

    1. 1.Scotia Momentum Visa Infinite+ Card2% cashback · cap: C$25,000 annual spend in the 2% tier≈ 2.0% back
    2. 2.CIBC Dividend Visa Infinite Card1% cashback≈ 1.0% back
    3. 3.TD Cash Back Visa Infinite Card1% cashback≈ 1.0% back

    Miles are converted at your mile value; points cards without a published point value are listed separately below.

    Cashback cards

    • 1.Scotia Momentum Visa Infinite+ Card

      Gas stations, EV charging, transit and rideshare

      Cap C$25,000 annual spend in the 2% tier

      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% cashback
    • 2.CIBC Dividend Visa Infinite Card

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-24 · Issuer terms ·

      1% cashback
    • 3.TD Cash Back Visa Infinite Card

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-24 · Issuer terms ·

      1% cashback

    Points cards

    • 1.CIBC Aventura Visa Infinite Card

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-24 · Issuer terms ·

      1 pts per C$1
    • 2.Scotiabank Gold American Express Card

      Base rate (no bonus for this MCC)

      Terms checked 2026-09-24 · Issuer terms ·

      1 pts per C$1
    Sources (8)
    • Scotia Momentum Visa Infinite+ Card - product page (legal footnote 04)
    • Scotia Momentum Visa Infinite Cash Back Program Terms
    • CIBC Dividend Visa Infinite Card - product page
    • TD Cash Back Visa Infinite Card - product page (footnote 3)
    • CIBC Aventura Visa Infinite Card - product page
    • CIBC Aventura Visa Infinite Benefits Guide (footnotes 11-13)
    • Aventura Rewards Program Terms and Conditions
    • Scotiabank Gold American Express Card - product page and legal footnotes
    FAQ

    Which credit card is best for MCC 4789 in Canada?

    For MCC 4789 (Transportation Services Not Elsewhere Classified) in Canada, the Scotia Momentum Visa Infinite+ Card gives the highest cashback at 2% (cap: C$25,000 annual spend in the 2% tier).

    What is MCC 4789?

    MCC 4789 is the merchant category code for Transportation Services Not Elsewhere Classified (Transportation). Covers transportation services not classified under a more specific code, which may include shuttle services, private transport operators and other passenger or goods transport not elsewhere listed. More specific codes exist for commuter transit (4111), passenger rail (4112), bus lines (4131), taxis (4121) and tolls (4784).

    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.

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