I am at a point of confusion about my future card usage. I don't really have a clear path of usage, beyond my PC Optimum Mastercard.

I've been using my Cobalt, but my anniversary date is approaching, and no more bonus points. Not sure if it's worth the fee for the points - especially since most of my grocery spend seems to be going to Loblaws since I got the PC MC. I may churn this one, if the sign up bonus remains.

I have the Avion and WestJet cards, and I am not sure what to do about them, considering the new loyalty program. I was planning to cancel the Avion, but since the announcement of the new loyalty program, I may try to keep it going and see if they will waive the AF. I keep holding on the WestJet card in the hopes of using the companion fare - but two years in a row, it didn't get used. Not really a good use when you consider the AF.

My everyday spends seem to be split between my Cap One Aspire MC and my SPG Amex Biz. Both cards offer an incentive to offset the AF, and I think that's the only way I'll keep a card these days.

I am going to try to do another Alaska MC churn soon - and an SPG personal churn once we figure out what the card changes will be.

Still looking for a no-forex fee card...