Card annual fee guides
These guides are about a yearly fee for having a credit card. A monthly bank account fee is a different list. The fee on your statement is the one that counts.
Last updated: October 22, 2026
United States
How to ask about a Capital One Venture annual fee
What Capital One lists as the Venture annual fee, how it differs from VentureOne, and what to ask. Asking is not a promise of a waiver.
How to ask about a Capital One Venture X annual fee
The $395 annual fee Capital One prints for Venture X, how it differs from Venture and VentureOne, and what the page does not print about an extra cardholder fee.
How to ask about a Chase Sapphire Preferred annual fee
What Chase lists as the Sapphire Preferred annual fee, how to find it on a statement, and what to ask. Asking is not a promise of a waiver.
How to ask about a Chase Sapphire Reserve annual fee
The Sapphire Reserve annual fee and authorized user fee Chase prints, what a product change is, and what Chase does not publish as a downgrade menu. Asking is not a waiver.
How to ask about a Citi AAdvantage Platinum Select annual fee
The American Airlines card page prints $0 for the first year of the Citi AAdvantage Platinum Select card, then $99. Cash advances are the greater of $10 or 5%. The Globe card is $350. Asking is not a waiver.
How to ask about a Citi Strata Premier annual fee
The $95 annual fee Citi prints for Strata Premier, the cash advance and balance transfer fees on the same pricing block, and why the $100 hotel benefit is not a waiver. Older statements may still say Citi Premier.
How to ask about a Wells Fargo Autograph Journey annual fee
Wells Fargo's Autograph Journey terms print a $95 annual fee, no foreign transaction fee, and a $50 airline statement credit that is not a waiver. The terms were marked current as of September 2026. Asking is a request.
How to ask about an American Express Gold annual fee in the US
The US Gold Card annual fee American Express prints, the additional-card fees, the foreign transaction line, and the 30 day close window in the March 2026 agreement.
How to ask about an Amex Blue Cash Preferred annual fee
The first-year and later annual fee American Express prints for Blue Cash Preferred, and the 2.7% foreign transaction fee on the same page. Asking is not a waiver.
Canada
How to ask about a BMO CashBack World Elite annual fee
BMO's cost of borrowing PDF lists CashBack World Elite at $139 and $50 for each additional card. The card page waives the first year and rebates $139 with Premium Chequing. Asking is not a waiver.
How to ask about a BMO eclipse Visa Infinite annual fee
The $120 primary fee BMO's eclipse Visa Infinite offer terms name, the $599 Privilege brochure fee, and why one World Elite dollar does not fit every World Elite card. Asking is not a waiver.
How to ask about a CIBC Aeroplan Visa Infinite annual fee
CIBC's 2026/10 fee summary prints $139 for Aeroplan Visa Infinite, rising to $159 on January 12, 2027, and $50 for each authorized user, rising to $80. Privilege is a different card. Asking is not a waiver.
How to ask about a CIBC Dividend Visa Infinite annual fee
CIBC's card page prints a $120 Dividend Visa Infinite annual fee, rebated in the first year on that offer, and $50 for each of up to 3 additional cards. The fee summary posts the fee even if you do not activate. Asking is not a waiver.
How to ask about a National Bank World Elite annual fee
National Bank's exclusive offer page prints a $150 World Elite annual fee and $50 for an additional card. A first year reimbursement has a dated window and does not cover extra cards. Asking is not a waiver.
How to ask about a Scotia Momentum Visa Infinite annual fee
Scotiabank's Momentum Visa Infinite + page prints a $120 annual fee and $50 for each additional card. A first year waiver has dates and exclusions. The regular Momentum Visa is $49. Asking is not a waiver.
How to ask about a Scotiabank Gold American Express annual fee
The $120 primary fee and $29 additional-card fee Scotiabank prints for Gold American Express, and the bank-package rebates the same page describes. Asking is not a waiver.
How to ask about a Scotiabank Passport Visa Infinite annual fee
Scotiabank's Passport Visa Infinite + page prints a $150 annual fee, a full rebate with Ultimate Package, and a $40 rebate with Preferred Package. The income line is a range. Asking is not a waiver.
How to ask about a TD Aeroplan Visa Infinite annual fee
What TD lists as the Aeroplan Visa Infinite annual fee, including the first year offer and the All-Inclusive plan rebate, and what to ask. Asking is not a promise of a waiver.
How to ask about a TD Cash Back Visa Infinite annual fee
The $139 annual fee TD prints for the Cash Back Visa Infinite card, the $50 first additional card, and the first year rebate that needs a purchase. Figures can change. Asking is not a waiver.
How to ask about an RBC Avion annual fee
What RBC lists as the annual fee for Avion Visa Infinite, Avion Visa Platinum, and Avion Visa Infinite Privilege, and what to ask. Asking is not a promise of a waiver.
How to ask about an RBC WestJet World Elite Mastercard annual fee
RBC prints $139 for the WestJet World Elite Mastercard and $59 for an additional card. The WestJet RBC Mastercard without World Elite is $39. A companion voucher spend rule is not a fee waiver. Asking is a request.
How to ask about the CIBC Aventura Visa Infinite annual fee
The $139 annual fee and first year rebate on the Aventura Visa Infinite page, the CIBC Smart Account rebate by tier, and the other cards CIBC lists when this one is not the right fit.
US and Canada
Can you get a credit card annual fee refunded when you cancel?
What US rules require an issuer to disclose, and what American Express and TD publish about a refund or a rebate when a card is closed. Ask your own issuer for the rest.
How to ask about an Amex Platinum annual fee in the US and Canada
The US and Canada Platinum annual fees American Express prints, when the US fee changed, the US close refund window, and what is not published about retention or a downgrade.
How to get your credit card annual fee waived
Where a credit card annual fee shows on a statement, what US rules require the issuer to disclose, and how to ask for the fee to be removed.
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