Peso to the Canadian Dollar

Didn't withdraw directly from my canadian bank in a while, can't say for ATM.
We now transfer an amount with XE to our Mexican bank account when the exchange rate seems good 3-4 times during the year. Then we get cash from our Mexican bank. No fees.
But I still do purchases directly on Canadian credit card when going to grocery or some restaurants.
Example this day : Mid market rate is 14.36MXN/1CAD this afternoon.
I paid carniceria Santino with my Canadian Master card and the rate was 14,16MXN.
But considering that I get between 1.5 and 3% bonus on my purchase, 3% in this case, it gave me a 14.60MXN/1CAD, better than the mid market...
Of course you've got to pay your credit card in full each month, not letting the 18-22% run on it....