RBC Avion and WestJet: 20% CT Money Transfer Bonus

RBC Avion Rewards is offering a 20% bonus on converting your points to CT Money at Canadian Tire until August 31, 2026. Here’s what that bonus is actually worth in real dollars, and when you should keep your points for a flight instead.

What’s Changing

The regular conversion rate between Avion points and Triangle Rewards’ CT Money is fixed: 140 Avion points get you $1.00 in CT Money. Until August 31, 2026, RBC is boosting that rate by 20%, which raises the value of that same 140-point block to $1.20 in CT Money.

Three conditions apply:

You must be a Triangle Rewards member and hold an eligible RBC Avion card, with both accounts linked.
The minimum conversion stays at 140 Avion points, with further increments allowed beyond that.
A maximum of 25,000 Avion points can be converted per 24-hour period.

The conversion is instant, but final and irreversible: once converted to CT Money, your points can’t be moved back into your Avion account, and the CT Money you receive follows Triangle Rewards’ usual rules from that point on.

Couple checking out at Canadian Tire — Converting to CT Money lets you pay directly at Canadian Tire, SportChek, Mark’s, or Atmosphere.

FeaturedCompare

RBC Avion Visa Infinite Card

RBC RBC Avion Rewards - Elite

Annual fee: $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,190Total$1,190Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,190
Welcome offerAfter $5,000 in 6 months: Up to 70,000 points; Ends Nov 25, 2026

For a limited time, the RBC Avion Visa Infinite Card offers a welcome bonus of up to 70,000 Avion points, worth up to $1,500 in travel.

35,000 points upon approval of your application
20,000 points when you charge $5,000 in purchases to your account within the first six months
15,000 points on the first anniversary of your account

You can redeem your Avion points for flights with more than 500 airlines, with no blackout periods or seat restrictions, or transfer them to partner programs such as American Airlines AAdvantage, The British Airways Club, Cathay Pacific Asia Miles and WestJet Rewards.

The card earns you 1.25 points per dollar on eligible travel purchases and 1 point per dollar on all your other eligible purchases. It also includes extensive insurance coverage: emergency medical, trip cancellation and interruption, collision coverage for rental vehicles, and mobile devices.

The annual fee is $120.

Legal

Refer to RBC page for up to date offer terms and conditions

^† Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 35,000 Avion points for one round-trip long-haul flight to almost anywhere in Canada or the United States with a maximum ticket price of $750, you will need a minimum of 70,000 Avion Points for two round-trips long-haul flights to almost anywhere in Canada or the United States, exclusive of Hawaii and Alaska. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

^ Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 15,000 Avion points for a round trip within or to an adjacent Canadian province/territory or U.S State with a maximum ticket price of $350. You will need a minimum of 60,000 Avion Points for four round-trips within or to an adjacent Canadian province/territory or U.S State. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including information on redeeming for first class and business class seats, please visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

1 This offer only applies to new applications for an RBC Avion Visa Infinite or RBC Avion Visa Platinum credit card (each, an “Eligible Credit Card”) received between “August 13, 2026” and “November 25, 2026” (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”) subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the Eligible Credit Card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an Eligible Credit Card account during the Offer Period, are not eligible for the offer.

35,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your Eligible Credit Card account remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Eligible Credit Card account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.

You will receive 20,000 bonus Avion points (“Bonus Points”) if a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Eligible Credit Card account within the first six (6) months from your Eligible Credit Card account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty days (60) after you reach $5,000 in Qualifying Transactions, provided your Eligible Credit Card account remains open and in good standing at the time the Bonus Points are credited to your account.

Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees. Credits for returns and adjustments posted to your Eligible Credit Card account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.

15,000 additional Avion points (“Anniversary Points”) will appear on your monthly credit card statement within twelve (12) to sixteen (16) weeks after the one- year anniversary of your account opening, provided that your Eligible Credit Card account remains open and in good standing at the time the Anniversary Points are credited to your account.

If you close or change your Eligible Credit Card Account for another type of RBC Royal Bank credit card before the Welcome Points, the Bonus Points and/or the Anniversary Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.

^Point redemptions for flights under the Air Travel Redemption Schedule start at 7,500 points for a short-haul one-way Economy Class flight priced at no more than $175 (and start at 15,000 points for a short-haul round-trip Economy Class flight priced at no more than $350). The traveller is responsible for all applicable taxes, administration fees and surcharges. To learn more, including guidelines regarding redeeming points for a Business Class flight, visit www.avionrewards.com/fr/travel/.

2 Avion points are earned on qualifying net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant) interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

4 To participate in this offer, you must have an RBC debit card or a credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) RBC business credit cards and one (1) RBC business debit card to a Petro-Points card.

You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.

6 Each time you use your linked Eligible Avion Rewards Credit Card to pay for purchases at a Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Avion points than you normally earn for every $1 in purchases in accordance with the Avion Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into Avion Rewards account. Authorized Users are excluded from earning Avion points bonus.

6 Each time you use your eligible linked Avion Rewards credit card to pay for purchases at a Petro-Canada location, you will receive a bonus of twenty percent (20%) more Avion points than you would normally receive for each dollar of purchase, in accordance with the terms of the Avion Rewards program. Please allow up to ninety (90) days from the date the transaction is posted to your credit card statement for your bonus points to be deposited into your Avion Rewards account. Authorized users cannot earn bonus Avion points.

7 Coverage underwritten by RBC Insurance Company of Canada. Please refer to the insurance certificate for complete details. rbc-visa-infinite-avion-certificate-of-insurance.pdf

9 Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.

12 You will earn 1.25 Avion points for every dollar spent when you use your RBC Avion Visa Infinite card to pay for travel-related purchases made at merchants classified by Visa’s “Merchant Category Code” (“MCC”) as “travel”, which may include: airlines, accommodations, tour operators, cruise lines, travel agencies and car rental companies. Even though some merchants may sell travel products/services, purchases made at these locations may not necessarily qualify for the 1.25 Avion points per dollar if the merchant is not classified with a “travel” MCC. Also, merchants that are not classified by a “travel” MCC may be located on the premises of merchants that are classified with a “travel” MCC, and purchases made at these locations may not qualify for this added benefit. For more details, please refer to the Avion Rewards Terms and Conditions at: https://www.avionrewards.com/terms-and-conditions/index.html

14 The term “redeem” means using your Be Well points to pay, or partially pay, for eligible purchases using your Be Well card at participating Rexall locations according to the instructions provided by the cashier, the point-of-sale terminal or any other payment processing device. You can redeem the Be Well points you earn for eligible purchases—see section 5 of the Be Well terms (available at https://www.letsbewell.ca/terms-conditions)—or for another purpose that we may provide from time to time.

You must have joined the Be Well program and registered your Be Well card, or otherwise called customer service, to redeem Be Well points. Any Be Well points earned on a Be Well card will remain the property of the Be Well administrator until the enrollment and registration process is complete.

You must redeem a minimum of 25,000 Be Well points at any time, which are worth $10. Be Well points can be redeemed in $10 increments, up to a maximum of $200 (500,000 Be Well points) in a single transaction. A maximum of 500,000 Be Well points can be redeemed within a 24-hour period.

In Ontario and British Columbia, Be Well points cannot be redeemed for prescription drugs. As the laws of each province and territory may change from time to time, you are encouraged to consult your pharmacist for more information in this regard.

Be Well points you earn when you make a purchase cannot be redeemed immediately for that same purchase. They can only be redeemed for a future eligible purchase that must be made at least 12 hours after earning those Be Well points.

16 To receive a complimentary DashPass subscription for $0 delivery fees on orders of $15 or more at eligible restaurants when you pay with your Eligible RBC Credit Card, you must subscribe to DashPass by adding an Eligible RBC Credit Card, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass” before November 16, 2028 (“Offer Period”). If you are an existing DashPass subscriber and have already added an Eligible RBC Credit Card to your account you must activate your benefit by clicking “Activate Free DashPass” during the Offer Period. If you have been charged for DashPass you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass” you agree to the DoorDash terms and conditions which can be found at https://help.doordash.com/consumers/s/terms-and-conditions .

Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on an Eligible RBC Credit Card account.

The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive either a 6 months or 12 months Complimentary DashPass Subscription based on the Eligible RBC Credit Card you use to subscribe to DashPass.

DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription.

Eligible RBC Credit Cards: Your Eligible RBC Credit Card may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription you cannot use the same eligible RBC Credit Card to obtain a Complimentary DashPass Subscription with another DoorDash account.

You are only eligible for one 12 month Complimentary DashPass Subscription and one 6 months Complimentary DashPass Subscription during the Offer Period. The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. For example, if you subscribe to a 12 month Complimentary DashPass Subscription in on the last day of your second month of a 6 months Complimentary DashPass Subscription you will receive a total of 14 months of Complimentary DashPass Subscription. In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated.

12 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

As an RBC Avion Visa Platinum, RBC Avion Visa Infinite , RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking, WestJet RBC World Elite Mastercard, RBC Rewards Visa Preferred, RBC Cash Back Preferred World Elite Mastercard, More Rewards RBC Visa Infinite, RBC British Airways Visa Infinite, RBC Avion Visa Business, RBC Avion Visa Infinite Business, WestJet RBC World Elite Mastercard for Business (Elite Benefit cards) cardholder.

You are eligible for a Complimentary DashPass Subscription for 12 months from the date you subscribe to receive the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 12 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.

6 Months Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

As an Rewards+TM Visa‡, Signature^® RBC Rewards^® Visa‡, RBC^® Visa‡ Platinum, RBC^® Visa‡ Cash Back, RBC^® Cash Back Mastercard‡, RBC^® Visa‡ Classic Low Rate Option, RBC^® Visa‡ Classic, RBC^® Student Visa‡ Classic, RBC^® Visa‡ Classic II Student, RBC^® Visa‡ Gold, RBC^® U.S. Dollar Visa‡ Gold, RBC Rewards Visa‡ Gold, RBC RateAdvantage^® Visa‡, WestJet RBC^® Mastercard‡, RBC ION Visa, RBC ION+ Visa, More Rewards RBC Visa, RBC Staff VISA Classic Expense, RBC Staff VISA Gold Expense, RBC^® Visa‡ Business, RBC^® Visa‡ Business Gold, RBC^® Visa‡ CreditLine for Small BusinessTM, or RBC^® Business Cash Back Mastercard‡, WestJet RBC^® World Elite Mastercard‡ (Premium Benefit Cards).

You are eligible for a Complimentary DashPass Subscription for 6 months from the date you subscribed to the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 6 months Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.

DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit www.doordash.com/dashpass (opens to external site). For full DashPass for RBC Program Terms and Conditions, visit rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf

Annual fee

Primary card$120

Additional card$50

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

1.25xTravel
1xAll spending

Value

1st Year Value$1,567

2nd Year Value$271

Transfer partners

American Airlines AAdvantageAirline
British Airways ClubAirline
Cathay Asia MilesAirline
WestJet RewardsAirline

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Included

Travel medical (55-64)Included

Travel medical (65+)Included

Trip CancellationUp to $1,500

Trip InterruptionUp to $5,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,500 / 1 years

Auto Rental CollisionUp to $65,000 / 48 days

What the Bonus Is Actually Worth, in Dollars

Without the bonus, each Avion point converted to CT Money is worth about 0.71 cents. With the 20% bonus, that value rises to about 0.86 cents per point, a marginal gain of roughly 0.14 cents per point.

Avion points converted	CT Money without bonus	CT Money with 20% bonus	Net gain
5,000	$35.71	$42.86	$7.14
10,000	$71.43	$85.71	$14.29
25,000 (daily maximum)	$178.57	$214.29	$35.71
50,000 (over two days)	$357.14	$428.57	$71.43

For comparison, our estimate of Avion points’ value sits around 1.5 cents per point on average, and can climb to 2 cents on the fixed travel chart for a well-chosen flight. Converting to CT Money, even with the bonus, stays well below that value: 10,000 converted points bring in $85.71, versus $150 to $200 for the same number of points used on a flight.

The WestJet Bonus: A Better Deal, But Much Shorter

A second CT Money transfer bonus appeared this week on the WestJet Rewards side. The regular rate is 120 WestJet points for $1.00 in CT Money, a return of about 0.83 cents per point. Until August 22, 2026 only, WestJet is boosting that rate by 20%, which brings the return to 100 points for $1.00, or 1 cent per point.

Two conditions apply:

Your Triangle Rewards and WestJet Rewards accounts must already be linked.
The minimum conversion stays at 2,400 WestJet points, or $24.00 in CT Money with the bonus.

WestJet points converted	CT Money without bonus	CT Money with 20% bonus	Net gain
2,400 (minimum)	$20.00	$24.00	$4.00
10,000	$83.33	$100.00	$16.67
25,000	$208.33	$250.00	$41.67

Point for point, the WestJet bonus pays out more than the Avion bonus (1 cent versus 0.86 cents per point), but its window is much shorter: two days versus eleven for the Avion bonus. Since Avion and WestJet points transfer at a 1-to-1 rate, converting Avion points to WestJet points before turning them into CT Money would improve the value, provided the Avion-to-WestJet transfer completes in time, which Rewards Canada was unable to confirm at the time of writing.

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WestJet RBC^® World Elite Mastercard‡

RBC WestJet Rewards

Annual fee: $139
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$700Total$700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $700
Welcome offerAfter $5,000 in 3 months: Up to 70,000 points; Ends Nov 18, 2026

With the WestJet RBC^® World Elite Mastercard^‡, you can earn up to 70,000 WestJet points as a welcome bonus:

30,000 WestJet points as a welcome bonus with your first purchase
30,000 WestJet points when you charge at least $5,000 in eligible purchases to your card within the first three months
10,000 additional WestJet points after your credit card account’s first anniversary

The offer ends on November 18, 2026.

The benefits in numbers

An annual companion voucher from $119
Charge at least $5,000 in purchases to your card each year and you receive a World Elite Companion Voucher for a round-trip flight, starting at a $119 base fare, plus taxes, fees, surcharges and other air transportation charges. You can exchange it instead for a 30% flight discount for one traveller, a $200 credit towards a WestJet Vacations or Sunwing Vacations package, or airport lounge passes. The exact number of lounge passes granted is to be verified against the RBC terms in force.

A free first checked bag for up to nine people
The first checked bag is free for the primary cardholder and up to 8 guests on the same reservation, on WestJet flights. For a family of four, that is four bags on every leg.

Status Lift: $200 in tier qualifying spend per $5,000
Your everyday purchases move you towards Silver, Gold and even Platinum status. You earn $200 in tier qualifying spend for every $5,000 in purchases charged to the card, up to 50 times per year.

Up to 2 WestJet points per dollar

2 points per dollar on WestJet flights, WestJet Vacations and Sunwing Vacations packages
2 points per dollar at grocery stores and on transportation, including gas, EV charging, public transit and rideshare
1.5 points per dollar on all other everyday purchases

The annual fee is $139, plus $59 per additional card.

Finally, you benefit from extensive insurance coverage: out-of-province or out-of-country emergency medical insurance, travel accident insurance, trip cancellation and trip interruption insurance, flight delay and delayed baggage insurance, hotel or motel burglary insurance, rental vehicle collision and damage insurance.

Legal

^® / MC Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

‡ All other trademarks are the property of their respective owner(s).

¹ To benefit from this offer, your application must be received and approved by Royal Bank of Canada (“Royal Bank”) between June 16, 2026 and November 4, 2026 (“Offer Period”). This offer only applies to new applications for a WestJet RBC World Elite Mastercard.

You will receive up to 30,000 welcome WestJet points upon your first purchase (“Welcome WestJet Points”) distributed as follows: (i) 25, 000 Welcome WestJet Points up to six (6) weeks after your first purchase transaction date; and (ii) 5,000 Welcome WestJet Points up to twelve (12) weeks after your first purchase transaction date, provided your first purchase gets posted to your WestJet RBC World Elite Mastercard credit card account (“Credit Card Account”) within the first three (3) months of your Credit Card Account opening date (“Period”).

You will receive an additional 30,000 WestJet points (“Additional WestJet Points”) provided a total of $5,000 (“Qualifying Transaction Amount”) or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transaction(s)”) are posted to your Credit Card Account within the Period. The Additional WestJet Points will be awarded approximately six (6) weeks after the date you reach the Qualifying Transaction Amount. Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments posted to your Credit Card Account during the Period will reduce the amount of your Qualifying Transactions.

The transaction posting date of each Qualifying Transaction, not the transaction date, will determine whether the transaction will count towards the Qualifying Transaction Amount. This means that Qualifying Transactions that take place prior to the last day of the Period will not count towards the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Mastercard) or Royal Bank by the last day of the Period.

You will receive an additional 10,000 WestJet points (“Anniversary WestJet Points”) up to sixteen (16) weeks after your Credit Card Account has been open for one (1) year.

Welcome WestJet Points, Additional WestJet Points and Anniversary WestJet Points will be awarded to your WestJet Rewards account, accessible at westjet.com/account, and appear on your monthly credit card statement, provided your Credit Card Account is open and in good standing at the time they are awarded to your WestJet Rewards account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time.

Only the primary cardholder on the Credit Card Account is eligible for this offer. Additional cardholders(s) (co-applicant and authorized user(s)), as well as existing cardholders on any RBC Royal Bank personal credit card account, transferring to a WestJet RBC World Elite Mastercard during the Offer Period, are not eligible for this offer.

If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome WestJet points, Additional Welcome WestJet points or the Anniversary WestJet points have been awarded to your WestJet Rewards account, you may not receive the points. This offer may not be combined or used in conjunction with any other offer. Royal Bank and WestJet reserve the right to modify, cancel or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by us in our sole discretion.