MCC 5817 · Applications (Excludes Games) · Digital Goods
For MCC 5817 (Applications (Excludes 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 5817 (Applications (Excludes 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 5817 is the merchant category code for Applications (Excludes Games) (Digital Goods). Covers digital goods merchants selling software applications, excluding games. Digital games are coded 5816, digital media such as books, music and movies use 5815, and large digital goods merchants selling multiple categories may use 5818. Transactions include one-off app purchases and in-app or subscription charges for non-game applications.
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.