BMO JDRF Mastercard


Does anyone have the BMO JDRF Mastercard? My Visa will be getting paid off completely soon, and I'm considering canceling it and getting the Mastercard instead. Right now the Mastercard is at a default of 19% like with all credit cards, but it's only $35/yr to get the 11.9%($5 more than what I pay Visa atm for 11.4%) and it has the Air Miles which is pretty sweet(I get "Bonus Dollars" now but Air Miles would be so much better I think).

I've only had a Visa so I"m just wondering if Mastercard is a good company(seems to be from what I can tell) and if any of you that have the card find that collecting points has been easy, you don't have problems with purchasing anywhere, etc.