We use ScotiBank's Gold Passport Visa. Travel-Health insurance to age 65, trip interruption, lost luggage coverage, and a really nice feature; 5% cash back on the best price we find online when booked through their concierge service. That's on top of the 2% in points earned for purchases we use to pay for our trip. When booking travel I'll also use AirMiles, CAA and AeroPlan or WestJet plus the loyalty cards for the resort franchise like Riu Class, Melia Rewards, Blau and Warwick.
Anything else is "Pointless" Eh?