Which has the lower annual fee, American Express Aeroplan Card or CIBC Aeroplan Visa Infinite?

The American Express Aeroplan Card has a $120 annual fee, while the CIBC Aeroplan Visa Infinite charges $139/year.

Which card is better for groceries, American Express Aeroplan Card or CIBC Aeroplan Visa Infinite?

The American Express Aeroplan Card earns 1.8x on groceries, while the CIBC Aeroplan Visa Infinite earns 2.7x. The better choice depends on your grocery spending and the specific merchants you shop at.

Is the American Express Aeroplan Card accepted everywhere in Canada?

The American Express Aeroplan Card runs on the American Express network, which is not accepted at some Canadian retailers like Costco and Loblaws. Visa and Mastercard have broader acceptance in Canada.

American Express Aeroplan Card vs CIBC Aeroplan Visa Infinite — Which Is Better? | Churnr

Header Quick Take Value Earn Rates Merchants Wallet Bonus FX Benefits Eligibility Perks Downgrade Verdict

CIBC Aeroplan Visa Infinite wins by $475/yr — strongest in groceries

CIBC Aeroplan Visa Infinite earns $207 more on groceries
CIBC Aeroplan Visa Infinite earns $58 more on gas
$90 welcome bonus advantage

Groceries: +$207Gas: +$58

American Express Aeroplan Card: $30/yr in foreign transaction fees

American Express Aeroplan Card (Amex) — not accepted at Costco, Loblaws, No Frills, Walmart

CIBC Aeroplan Visa Infinite: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

$1,771

/first year

4.2% effective$148/mo

vs 1% no-fee card: +$1,353

Annual rewards earned+$1,201

Welcome bonus+$720

FX costs−$30

Annual fee−$120

Winner

$2,247

/first year

5.4% effective$187/mo

vs 1% no-fee card: +$1,828

Annual rewards earned+$1,467

Welcome bonus+$810

First-year fee waiver+$139

FX costs−$30

Annual fee−$139

Best for your spendingCIBC Aeroplan Visa Infinite—$2,247Year 1 value

+$475 more than American Express Aeroplan Card

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

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The Bottom Line

CIBC Aeroplan Visa Infinite wins by $475/yr — strongest in groceries

CIBC Aeroplan Visa Infinite earns $207 more on groceries
CIBC Aeroplan Visa Infinite earns $58 more on gas
$90 welcome bonus advantage

Groceries: +$207Gas: +$58

Showing Year 1 analysis

CIBC Aeroplan Visa Infinite wins in both Year 1 and Year 2+ — consistent long-term value.

Data Sources

Issuer terms & conditions (verified Mar 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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