Amazon.ca credit card used to be good with rates. They killed the card a few years ago.I have a US dollar checking acct. and a US dollar credit card. I usually wait until the dollar is doing relatively well to transfer money from my CAN acct. to the US one.
Who are you negotiating a CAN to US dollar transaction with that would give you 2 points better than the standard bank rates? I spoke to my bank about better than standard rates and they said that you'd have to be converting 10's of thousands of dollars to get a break.
For cdn to usd I use Xe.com