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Wanted: No fee 1%-back-card with insurances

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Wanted: MasterCard or Visa card, no fee, not from Chase (unreliable due to frequent refuses), with at least 1% return (i.e. no cap under 50k, no "up to 1% tiers" or minimum spend requirements please). Return should be in cash or equivalent (like grocery or gas, but no airline miles, no airmiles, no shoppers drug mart, no travel points rewards racket) and should not require more than a $20 minimum redemption limit.

I would also like to have Car Rental LDW and other travel related insurances, but I'm flexible there.

ATB requires residency in Alberta, so I can't use it. MBNA only sends cheques at $50 intervals. The CapitalOne Aspire Cash Back World is no longer offered. PC Financial does not have travel related insurances.

Did I miss something? Or does it not exist?

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