If you use about $30000 a year, I would recommend the MBNA Starwood prefered Guest Mastercard.

Other than the welcome bonus of 5000 when you first sign up, and the other 5000 when you first try a Starwood hotel, you get a ratio of 1:1 Starwood points per dollar spend. Actually, you get 1 point per 2 dollars spent but they give you a bonus of 5000 points when you pass the 10000, 20000 and 30000 threashold.

These points can be transfered to popular Air Canada Aeroplan, BA miles, united..etc and also redeem for hotel stays. The most important is that there are no yearly fees. In fact, transfer 20000 and get 25000 Aeroplan miles so it is pretty decent.


If you are spending over 30000 a year, then maybe Royal Bank Avion. You can redeem economic class fares through Royal Bank Travel Agency using your points OR first class fares through BA transfer of 1: 1.5 ratio during promotion.