My main card would hands down have to be the American Express Cobalt Card. This card has a monthly fee of $10.00 and the usual 19.99% interest rate.
CURRENT PROMOTION (August 2018): Get 7.99% interest for the first 6 months and for the first year earn 2,500 points with a minimum $500 purchases per month. Possible 30,000 bonus points! If you also buy $500 worth of groceries or dining out in that month that’s 5000 points!
I first applied for the card a year ago and have racked up over 100,000 points!
Between all the cards that I have or were looking at, this one by far is the best return.
You earn 5 points for every dollar you spend on dining out and groceries. 2 points for every dollar for travel purchases including gas. 1 point for every dollar on anything else.
You also get all the insurance benefits and front of the line privileges.
Redemption for travel 
No mater the time of year or airline. If there is a seat you can book it! When booking through their fixed travel plan you will need to pay the taxes and fees. As long as the ticket is under the “Maximum Base Ticket Price”. If the price is higher you pay the difference.
An example: Edmonton to Singapore – November 1, 2018 – November 30, 2018 – 100,000 Points + $166.32.
Flexible Fight option is to use 100 points for every $1 off. In this example 151,700 and the fight would be FREE!
PRO TIP!!! Check both options when you are booking. Sometimes the flexible option is more beneficial than the fixed option.
Example: Edmonton to Los Angeles – November 1, 2018 – November 30, 2018
Fixed Travel: 40,000 + $140.80 Flexible Travel: 42,278 or just use 40,000 + $22.78.
Sometimes you can even find flight cheaper than $400 and only use Flexible and have it completely FREE!
