And as I have pointed out in another thread, you can get 1.5 miles/$ with your CIBC Visa from your first purchase by buying gift cards for your favorite retailer at a grocery store. The list is long and growing: Home Depot, Sears, HBC, Cara Foods (Swiss Chalet, Montana's, Kelsey's, Milestones, Harvey's), Cineplex Odeon, Sport Chek, Chapters Indigo, Moxie's, President's Choice (since No Frills will only accept MC), The Keg, Marriott, Jack Astors, Canyon Creek, Alice Fazooli's, Far Niente, Best Buy, Future Shop, Roots, The Gap etc.