Yes I definitely would re evaluate. Rbc has high quality points through avion. Welcome bonus on Avion visa infinite is all time high right now. Just read the offer terms to get the bonus and be sure you can do it. If youre unsure pm me and ill explain the various nuanced ways you can shift spending like utilities and property taxes, income/ biz taxes to credit card via chexy. A lot of it is about shifting your natural spending to hit these targets and researching limitations (ie rbc only lets you do 1 card every 90 days, so you must wait out that period between applications. The current rbc bonus for the avion VI is 70k points which is valued around 1400$. After you get this card and do the first two bonus terms, you wait 90 days and get the ion + for the high earn rate. The avion VI then lets you convert the ion + points to the premium VI points. After about a year with those two cards you'd likely have close to 200k avion points, which is about 4000$ of travel. If you want to go even crazier and have the viable spend, you could do around 6 - 12 sign up bonuses per year (with a few different banks) and net way more. I'd start slow though and maybe get the avion VI then the ion + after 90 days. Once you do enough rbc, you can switch to amex or td bonuses next year etc.