TD Infinite Visa Card. I don't ever pay interest so I couldn't tell you about the rate, but it's reward system is awesome. Essentially, you get 3 points for every dollar spent. For ever 10,000 points you get a 50 dollar credit which can be applied against travel purchases on your visa card (hotel, flight, car rentals, etc.). You also get 20,000 points for signing up for it. They also have the regular rewards which you can redeem points for like aerogold if having money taken off your visa doesn't suit your fancy. I just booked a trip to Vegas, called them and told them to credit my Visa for $250 bucks (the cost of the flight - 25000 points). Westjet charge has been removed. Simply and easy and I got to pick when, where, and how I flew.
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