Seeing as the majority of posters here are Americans, this will be irrelevant. It does apply to the Canadians though.

CIBC offers a mortgage called the Aerogold mortgage. I think you get a point a dollar paid in payments. The points accure to Aeroplan. The drawback to the mortgage, is that rate is not discounted, you pay the posted rate, typically 1.25% above the discounted rate. This makes for very expensive points. All in all, a very "gimicky" mortgage and not worth taking.