Today Integrated Rewards supports 17 Canadian financial institutions including CIBC, Bank of Montreal, American Express, RBC, Scotiabank, TD Bank, Meridian, Tangerine, Simplii Financial, HSBC Bank, Desjardins, National Bank, ATB Financial, Laurentian Bank, Canadian Tire Bank, Coast Capital Savings, and Vancity.
Integrated Rewards uses auto-validation to identify when you've made a qualifying purchase at a participating retailer with a linked card. This allows you to shop in-store or online with any of your debit or credit cards from our 17 Canadian bank partners to automatically earn cashback on your purchases.
If you already have an account with one of our partners, you can securely link a card using your online banking credentials.
Re-linking may be necessary due to your bank's security protocols to keep your information safe. Check your account connection weekly in your account settings.
Here other common reasons why unlinking happens:
1. When logging into your secure online banking, you may be asked a security question. These will typically expire after one session, often when you exit the app or browser. When sessions expire, this causes unlinking and prompts you to relink.
2. There may be a Two-Factor Authentication prompt on the bank's app or website that you have to respond to.
3. Your cards have been replaced and are no longer up-to-date.
Yes, there is no limit to how many financial institutions as you can link to Integrated Rewards.
When you link your financial institution account to Integrated Rewards, you are effectively linking all of the cards associated with that account.
When you link your financial institution account to Integrated Rewards, you are effectively linking all of the cards associated with that account, including any sister cards.
Commonly occurs when:
• A space was entered after your card number or username.
• There are current connectivity delays with your bank.
• Your card has been replaced.
• The information you're entering doesn't match your current online banking credentials.
• Recent changes were made to your online banking login that are not supported by our service provider.
If your card was replaced, unlink the account then add it back.
This message may appear when we are experiencing a temporary network delay with your bank. Once the issue is resolved, you'll be able to link the account with no problems. You may try again in a few hours.
Commonly occurs when there is a notice waiting for your response in your online banking portal. This could be security verification questions, dismissing new service agreements, or promotions. Once you clear these out, you should be able to link your cards.
This is usually a result of prolonged inactivity. You will need to unlink and relink this account again.
Integrated Rewards receives read-only transaction-level data so that our auto-validation system can identify when you've made a qualifying purchase at participating retailer, and automatically reward you.
No. Integrated Rewards never has access to your online banking login credentials. Card linking is done directly through your bank.
No. Integrated Rewards does not have access to deposit or withdraw money from your bank account.
Integrated Rewards is trusted across Canada to connect to 17 Canadian financial institutions using 256-bit bank-level encryption to ensure your personal information is always safe. We're partnered with CIBC to uphold the highest security standards in safeguarding your information.
