Also in Canada where rewards aren't extraordinary. I have 4 - 1 personal US card (I'm also a US citizen with a US bank account, so I have the Bank of America Travel Rewards card), 2 personal, and 1 joint card with my partner. 1 personal is a no-fee, low-limit card that I have had the longest. I keep it for online purchases since the limit is lower and it would bother me less to get it stolen. My other personal has a 20$ yearly fee and I receive cash back (going to scale this one down to the no-fee alternative since I realized I make almost all my purchases with joint card). My joint card has a 50$ yearly fee, but shared with the partner, and we receive great cashback with it.