No-fee credit cards are suitable for a wide range of Canadians with different goals and spending habits. They are particularly useful if you don’t use credit often—if you spend thousands of dollars per year on your card, you may be able to earn more with an annual-fee card that offers many perks and rewards. No-fee cards are a good option if you’re new to Canada or have a shaky credit history and want to improve your credit rating over time. If you already have an annual-fee card, a no-fee card may also give you access to features your current card lacks, such as no foreign transaction fees when you travel abroad.