Great points. It also depends on where most of your spending are. There are cards that have higher than 2% of specific spends, but do you really want to carry more cards? Also pay attention to maximums and tiers. For example the Brim WE looks great for 2% earns, but drops to 1% after 25K spend and you really need to spend more than that to make the $200 annual fee worthwhile.Dynatos wrote: ↑ It's going to be different person to person and is highly dependent on your spending patterns. You'll have to crunch the numbers.
I think the only one without an annual fee, though, is the Rogers WE @ 1.5%, but your return might actually end up higher with a 2% card that has an AF. For example, the Collabria at 2% with a $120 AF will net you more money than the Rogers if your spend on the card is higher than $24k.
Collabria 2% sounds great and it looks like even gift card redemptions are at a 1.67% return (higher than new Aspire 1.5% rate), and no max earn on 2% unlike the Brim WE.