The government has officially banned checkout surcharges on credit cards, which means no more extra fees when you tap your card in store. But while that sounds like a win, it’s triggering a major shake-up behind the scenes that could quietly cost you money.

In this episode, I sit down with financial educator and author Nicole Pedersen-McKinnon for a proper wallet audit. We unpack how merchants are pricing card fees into shelf prices, why banks are slashing credit card rewards, points, and travel insurance perks, and what you need to check on your own cards to ensure you're still getting real value.