Pick the card in your wallet, then answer a few short questions. We estimate whether its annual fee matches how you actually use it.
Starter, no-fee and secured cards Scotia Scene+ No annual fee
Scotiabank Scene+ Visa About $0/year
TD Cash Back No annual fee
TD Cash Back Visa About $0/year
Home Trust Secured Visa
Home Trust Secured Visa About $0/year
Neo Secured Mastercard
Neo Mastercard (secured) About $120/year
Scotia Amex No annual fee
Scotiabank American Express Card About $0/year
Tangerine No annual fee
Tangerine Money-Back Credit Card About $0/year
Home Trust No annual fee
Home Trust Preferred Visa About $0/year
RBC Cash Back No annual fee
RBC Cash Back Mastercard About $0/year
RBC ION No annual fee
RBC ION Visa About $0/year
CIBC Dividend No annual fee
CIBC Dividend Visa About $0/year
BMO CashBack No annual fee
BMO CashBack Mastercard About $0/year
Simplii No annual fee
Simplii Financial Cash Back Visa About $0/year
PC Financial No annual fee
PC Mastercard About $0/year
Amex Green No annual fee
American Express Green Card About $0/year
Amex SimplyCash No annual fee
SimplyCash Card from American Express About $0/year
Premium and travel cards RBC Avion Visa Infinite
RBC Avion Visa Infinite About $120/year
RBC Avion Visa Infinite Privilege
RBC Avion Visa Infinite Privilege About $399/year
TD First Class Visa Infinite
TD First Class Travel Visa Infinite About $139/year
TD Aeroplan Visa Infinite Privilege
TD Aeroplan Visa Infinite Privilege About $599/year
CIBC Aventura Visa Infinite Privilege
CIBC Aventura Visa Infinite Privilege About $499/year
Scotia Passport Visa Infinite
Scotiabank Passport Visa Infinite About $150/year
Scotia Gold American Express
Scotiabank Gold American Express About $120/year
Hilton Honors American Express
Hilton Honors American Express Card About $150/year
Amex Cobalt Credit card
Amex Cobalt About $192/year
Amex Platinum Charge card
American Express Platinum Card About $799/year
Amex Aeroplan Reserve Credit card
Amex Aeroplan Reserve About $599/year
Estimates are illustrative. Fees and income requirements were last checked on November 12, 2026 using public sources. Confirm current terms with the issuer before you apply.