I must say the Rogers card is about to become my go to card for non-bonus categories. Until I realized the cash back could be issued as a statement credit on everything (when calling a CSR), I was considering applying for mbna Rewards WE, and hoping to get approved for a Platinum Plus 2% — I do not meet World Elite income requirements. But when doing the math (1.75%/$29AF waivable/no foreign currency fee; vs 2%/$89AF/2.5% foreign curr. fee), it's a no brainer: offsetting the $60 difference in annual fees would require an additional 24000 annual spend.