Originally Posted by
margarita girl
OK thanks. I can't justify a fee card with my spend level in the US. Since you can buy miles from AC directly at 3 cpm, you could buy > 2000 miles from AC with the US$60 annual fee. Since you earn 1 mile/$ spent, you would have to put over $2K on the card just to break even.
So the no fee, 0.5% cash back BMO card is still the best deal for me.
It would be a different story if I could charge business expenses on my personal credit card.
This also card also gives you Auto Rental Coverage, so the $60 is reasonable, if you rent cars in the US, and don't want to pay the conversion fee.