But when you factor in the annual fee and an approximate value of 1.5
cents per point, you'd have to charge quite a bit each year to make the card worth your while: With a $ 1,325 monthly spend, we calculated the card's
average yearly rewards value at a negative $ 31.97.
DLC says the
yearly savings rate of an
average Canadian has gone from over 12 per
cent of income in the early ′ 90s to under two per
cent today and household debt in Canada has more than doubled over the past 10 years.