I have four credit cards but, by far, the best one I own is my Bank of Montreal Mosiak Mastercard. I recommend this card for anyone who collects Airmiles. You get one mile for every forty dollars you spend with the card and if you shop at an Air Miles Sponsor, you can get more miles. There are many other features offered with this card such as balance protection insurance, travel insurance and you even get to pick out the design of your card! Plus, if you use your Air Miles card with the credit card, you can get double points! I use this card almost every time I shop and now have enough miles to take a vacation this year or redeem the points for other great offers such as ski passes, movie passes and clothing. There is no annual fee and if you open a Bank of Montreal banking account, you can get even more points every time you use your debit card.