If I were Canadian I'd be chequing out the Scotia Momentum VISA Infinite card
, 4% off gas and groceries isn't bad at all. Not crazy about the annual fee, though I think it would still be worth it as I'd be paying more in both categories.
When I visit Canada one of the first places I go is to a Scotiabank ABM. They are part of the Global ATM Alliance
, where I use my BofA card to get no-surcharge cash.