Used to have one with my Mastercard at BMO. SPC is OK but I wouldn't pay for it, if you can get it for free go for it, otherwise it isn't worth it.
I'm probably not going to bother with CIBC's new SPC offering because I really only used the card for discounts at Rexall and American Eagle. Plus for most businesses the discount doesn't apply to most items in the store effectively making it useless.
I like credit unions and Honda Civics.
Member with DUCA Credit Union.