It also means that if you get this card you'd still need to use the no fee cards as backup for when amex is not accepted. Scotia momentum visa infinite $120 4% grocery/reoccuring bills 0. 01g+0. 02b>120 g+2b>12k/year TD VI 120$ 3% fuel/grocery/reoccuring f+b>12k/year meridian cashback VI 99$ (cibc dividend vi is similiar) 4% fuel/groceries, 2% pharmacy/reoccuring 2f+g>9. 9k/year HSBC WE $149 3% airfare/hotel/tourist attractions/baggage fees/lounge passes 149/(0. 03-0. 0125) = $8514/year spent on travel to break even Mbna world elite $120 2% Everything else 12k to break even These were the only ones that may have come close to being worth adding to the no fee combo i mentioned earlier and even then only for very specific people. Some of them offer superior cash back in multiple categories. You could replace multiple cards in the no fee combo with it, making your life simpler. Obviously If you have a problem with applying for multiple cards, then the no fee combo isnt right for you and maybe you should just focus on fee based cards (if their cashback is worth is for you).
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