I wasn't responding to you directly with my initial comment, but either way the World Elite Mastercard from PC has no annual fee. Another big perk is it includes travel medical insurance which might save you around $20-40 per person in your family on a vacay (complicated because of COVID, but still an unreal offer for no annual fee).
As for Triangle, I can appreciate it gives you more flexibility on grocery stores (sans Walmart and Costco), but generally speaking NoFrills and Superstore/Loblaws are the place to go anyways and the PC points program is the best, imo. The Roadside assistance on the Triangle card is a nice perk though, same with the gas deals.
Depends on your needs. I'd personally probably want to own both, but the PC card is more useful for MY habits. Triangle may or may not be better for you if you shop at their stores.
Didn't for me, but that was maybe 2-3 years ago.
To my knowledge it's mostly just Scotia that asks for verification (not always, but often compared to the rest).
(Smartwatch / Fitness Tracker) Garmin Vivoactive 3 white/rose gold HAS WARRANTY (non-Mp3) - $120 SHIPPED (Oct 27th), EMT ONLY
Google Nest Mini 2nd Gen Charcoal, USED, $30 shipped (Oct 27th) EMT only - PM.