Imho, you would have to
generate significant amount of reward eligible purchases with that additonal 50 cent points per $ 100 SPENDING to make it appear worthwhile the hassle of remembering (usually right) before December EACH YEAR to ask Rogers / Fido (other than towards Rogers / Fido store / stuff) for your
hUge cash
payout as next January statement credit ONLY; thus finally getting back ~ all Fido / Rogers» 2.5 % FX fees you loaned / paid them except FX fees Fido / Rogers bank keeps from any purchase returns / cancels / reversals, atm cash / cash advance needs and any cash - like transactions (e.g., pre-paid load, «lottery tickets, casino gaming chips») in «foreign currency» where you get zero / no rewards rebating them.