1. Convenience of opening accounts in other countries and transferring funds online is great.

2. The current rewards programme with my Canadian card is worthless. Because of that I never use the MasterCard. If they improved the rewards offering, it could become my primary card.

3. Agreed regarding the US MasterCard. I love that they do not charge fees on foreign currency transactions.

4. Rates for savings accounts, GICs, etc. are low, at least in Canada.

5. The Premier call centre seems to have been outsourced. I've had some trouble with some pretty clueless agents.