BMO rolled out a World-Elite MasterCard. A coworker ran through a bunch of scenarios for flights he wants to take this year for all the major cards, and it came out on top. Fee is a bit higher, but a second card has no fee. There are $300 worth of points and no first year fee as a signup promo right now.
Travel insurance is also better than most other cards (21 days vs 15 days)
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