Choice credit card is nice to have because it has no annual fee and comes with a bonus of up to 24000 points for Canadians. The points are valuable if used for stays in Europe and add up fast during certain promotions.

Beware: MBNA customer service is the worst in the industry giving out false names and stating that they will resolve any problem and promish to return a phone call in 72hrs and don't. N"No one by that name works here". All bull s###. They continue to state that your enrollment miles are held up because of Choice even though you completed the spending requirements in Sept. Still have not gotten 16,000 points from a July application for my wife.