[Maritime Q-Scout]

I pay off my balance every month, if you do that the interest rate is a non-factor. Then start to look at what perks you get.

I'm with PC Financial for my MasterCard as it gives me free groceries every couple of months. I like food, especially free food, so I'm not complaining. Perhaps when I'm older air miles will be more advantageous for me.

Take a look at your lifestyle, what you're using the card for, and the various options. I can't tell you which one is the best, as there is so much diversity, you have to find the best one for you.