I think US cards tend to have better rewards than Canadian ones, but echo on the fees thing. If a person is spending $1000/month on their card(which isn’t much once you put all your utilities/gas/grocery/etc. purchases together), and youre getting a 1% cash back/reward, that’s $120/year worth of rewards. So depending on your yearly spending, it can be worth paying that annual fee to get a card with better rewards.