Rewards Program: Scene+
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Scotiabank Gold American Express Card
Five points a dollar on groceries, dining and entertainment with no foreign transaction fee, for $120. Nothing else here does all three. The catch is that it is an Amex, so it will be refused where a Visa would not. $120 a year. 21.99% purchase APR.
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Scotiabank Passport Visa Infinite Card
No foreign transaction fee and six free lounge visits a year on a Visa. The earn rates are ordinary, so this is a card you buy for the travel perks, not the points. $150 a year. 20.99% purchase APR.