(Canada) What credit card do you use?

I’m currently using the Amex Preferred card. In 2025, I spent about $49,000 on it based on my annual summary. I also have supplementary cards for my family, so we use it for most household expenses.

I feel like I’m not really maximizing the credit card rewards system. I only have around $1,100 in cashback/rewards, which seems low given the amount we spend.

I’m interested in switching to,a travel card because I fly at least 3 times per year, including both domestic and international trips. I also want to feel that upgrade in airlines sometimes, I’d also book family travel on my card whenever we travel together.

A few questions:

1. Is the Amex Cobalt still a good deal in Canada?

2. Would it make sense to switch from a cashback setup to Membership Rewards/travel points?

3. What card combination would you recommend for someone with \~$49k annual household spend?

4 Should I keep my current Amex card, replace it, or pair it with another Visa/Mastercard for places that don’t accept Amex? I’m paying $9.99 per month in this card.

I pay my credit card in full every month, so it’s not stacking up interest.