Cards work best for you in Canada

Royal Bank/TD/CIBC/NA: CAD 3.25%   USD3.4% CAD FUND CODE: RBF2010/TDB8150/ATL5000/NBC100 USD FUND CODE: RBF2014/TDB8152/ATL5500/NBC101 BMO: CAD 3.65%  USD3.5% CAD FUND CODE: BMT104 USD FUND CODE: BMT124 SCOTIA BANK: CAD3.65%(3.7% OVER 100K)  USD3.5%(3.55% OVER 100K) CAD FUND CODE: DYN6000 USD FUND CODE: DYN6001

 It's competing against Amex personal gold credit card on drug store, grocery and gas purchases! Annual fee is also increased, but you will still get the fees 100% rebated! There are also new insurance coverages added. Flight delay insurance is the most important addition!