Know what your credit card really costs you.

New Canadian Finance checks the annual fee against how you actually spend and travel, then shows cards that fit better. Built for Canadians, with guides for newcomers in eight languages.

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Featured welcome bonuses

Big bonus

Scotiabank Gold Amex: up to 65,000 Scene+ points

For accounts opened by January 3, 2027, you can earn 40,000 points after $2,000 in the first three months, plus 25,000 more after $7,500 in the first year. The fee is $120 and there is no foreign transaction fee.

Nov 2026
Apply on the bank's website
1Pick your cardChoose from major Canadian Visa Infinite, Privilege and Amex cards.
2Answer a few questionsIncome, credit, travel, airline and spending habits.
3See your real yearly costAn estimated dollar figure, with better-fitting alternatives.
Fee Audit DashboardFind out if your card earns or costs you money.Open News & OffersRotating card finance headlines and the biggest bonuses.Open Newcomer GuidesSearch plain guides to bank fees and building credit in Canada.Open Compare CardsPut up to three cards side by side on fees and requirements.Open Hidden Fee CalculatorAdd up what banking costs you in a year.Open Newcomer ChecklistYour first 90 days of money steps, with progress saved.Open GlossaryBanking and credit terms in plain language.Open

Fees and income requirements were last checked on November 7, 2026 using public sources. Estimates are illustrative.