Is your credit card still worth the annual fee?
WorthMyCreditCard is the quick checkup for Canadian cardholders. Share how you use your card and get a clear, friendly recommendation about keeping, downgrading, or switching—no bank logins or personal data required.
9 essential questions
Quick 3-minute flow
Color-coded output
Keep • Review • Consider changes
No bank logins
We never collect personal data
Question 1
Which card are you reviewing?
Not on the list?
Choose “Other” and type the name manually. We’ll still guide you through the same helpful flow.
Focused on cards you already own
Skip the sales pitches for new cards. See if the plastic in your wallet is still worth the fee.
Built for Canadian cardholders
Designed around the fees, perks, and reward programs that matter in Canada, from Aeroplan to Avion.
Friendly guidance, not jargon
Clear language, plain recommendations, and action steps you can feel confident about.
What we ask
High-signal questions, simple experience
We cut the noise and kept the essentials so you get a personalized answer without digging through spreadsheets.
Card basics
- Which card are you reviewing?
- How long have you had it?
- Do you usually carry a balance?
Spending profile
- Where your money goes each month
- How much you typically spend
- Goals like maximizing rewards or cutting fees
Real-life usage
- Perks you actually use
- How you feel about the annual fee
- Any special context we should know
How it works
From checkup to confident decision
Three approachable steps. Zero jargon. Just clarity about whether your card earns its spot in your wallet.
Step 1
Share a quick snapshot
Answer nine short questions about your spending, perks, and feelings about the annual fee.
Step 2
We crunch the details
WorthMyCreditCard compares your answers with what makes each Canadian card valuable.
Step 3
Get a confident next move
See KEEP, REVIEW, or CONSIDER CHANGES plus the key reasons and what to do next.
Keep, Review, Consider Changes
KEEP · Green
Card aligns with your spending and perks. Keep monitoring official issuer terms.
REVIEW · Yellow
Value is moderate. Consider changing how you use it or exploring downgrade options.
CONSIDER CHANGES · Red
Fees may outweigh benefits. Review alternatives or plan a downgrade before canceling.
- No personal bank connections—only general spending info.
- Fast experience you can finish in a couple of minutes.
- Friendly explanations that highlight the perks, points, and fees that matter.
- Suggestions that consider credit score impact and real-life usage.
- Optional reminders so you revisit the card before renewal fees hit.
Peace of mind
Every recommendation comes with gentle next steps so you can act (or not) with confidence.
Built for clarity, not financial advice
WorthMyCreditCard is an educational tool. Recommendations use language like “may,” “might,” and “consider” and should not replace guidance from a financial professional. Always review official issuer terms before making changes.