Hi everyone. My apoligies if this is posted in the wrong forum. I will probably be applying for my first CC which offers rewards. I've come down to three choices. They are the Aerogold Visa, MBNA Starwood MC. and the Platinum MC offered by National Bank. I live in Montreal Canada so my choices of rewards cards are limited. I am opened to other suggestions. I'm assuming everyone is familier with the Aerogold Visa and Starwood MC. What the MC by NB has to offer is 1.5 points for every dollar spent but no bonus points on sign up. I do however get the first year annual fee waived which is $120.00. Points needed to redeem for all rewards are 11 000 points for $100.00 or 50 000 points for $500.00. All travel rewards can be booked with anyone, therefore not limited to a specific company. I almost forgot. I will only be putting a measly 30K a year on the card. Any advice would be appreciated.

Thanks