MCC 5816 · Digital Goods – Games · Digital Goods
For MCC 5816 (Digital Goods – Games) in Canada, the TD Cash Back Visa Infinite Card gives the highest cashback at 3% (cap: First C$15,000 of annual purchases per category group (grocery; gas & EV; transit; recurring + streaming/digital), then 1%).
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.TD Cash Back Visa Infinite Card
Streaming, Digital Gaming & Media
Cap shared with recurring bill payments.
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.Scotia Momentum 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 5816 (Digital Goods – Games) in Canada, the TD Cash Back Visa Infinite Card gives the highest cashback at 3% (cap: First C$15,000 of annual purchases per category group (grocery; gas & EV; transit; recurring + streaming/digital), then 1%).
MCC 5816 is the merchant category code for Digital Goods – Games (Digital Goods). MCC 5816 covers digital goods in the form of games, including downloadable video games, in-game purchases, and game content delivered electronically. It is part of the digital goods group, alongside 5815 (media such as books, movies, and music), 5817 (applications), and 5818 (large digital goods merchants). It is commonly treated as a restricted category.
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.