Merits Points
Earn Merits Points On Every Transaction
1 percent on every transaction. Tier-upgrade ladder. Concierge credits
Hold
1 Percent On Every Transaction
No exclusions, no fine print
Earn
Earn On Every Tap
Cards, payouts, transfers, all on one rail
Ladder
Ladders That Step Up By Tier
Connect, Maven, Concierge
Redeem
Redeem On Concrete Things
Hotels, flights, lounges, partner perks
Act
Tuesday: Earn On A Tap. Thursday: Tier Upgrade. Friday: Lounge Pass
You sign off. The rail handles the rest
Reconcile
Live Balance On The Dashboard
Ladder progress, expiry-free
Replaces
3 Card Programs. 4 Calculators. 18-Month Expiries.
Replaced
Behind The Rail
Built On A Regulated Canadian Rail
Money Service Business🇨🇦C1000000640FINTRAC-registered
Payment Service Provider🇨🇦Supervised By Bank Of CanadaVerify on Bank of Canada
Together
Solo. Joint. Concierge. One Ladder
Per-seat roles, per-action approvals
Stack
Connects To Concierge
Hotels, flights, lounges, partner perks
Outcome
The Three Other Cards, Retired
Points compound. Tier upgrades land.
Pricing