Which has the lower annual fee, American Express Aeroplan Card or enviro Visa Gold LI?

The American Express Aeroplan Card has a $120 annual fee, while the enviro Visa Gold LI charges $145/year.

Which card is better for groceries, American Express Aeroplan Card or enviro Visa Gold LI?

The American Express Aeroplan Card earns 1.8x on groceries, while the enviro Visa Gold LI earns 0.5x. 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 enviro Visa Gold LI — Which Is Better? | Churnr

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

American Express Aeroplan Card wins by $1,773/yr — strongest in groceries

American Express Aeroplan Card earns $350 more on groceries
American Express Aeroplan Card earns $144 more on travel
$720 welcome bonus advantage

Groceries: +$350Travel: +$144Bills & Utilities: +$132

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

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

enviro Visa Gold LI: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

Winner

$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

−$2

/first year

-0.0% effective$0/mo

vs 1% no-fee card: −$420

Annual rewards earned+$173

FX costs−$30

Annual fee−$145

Best for your spendingAmerican Express Aeroplan Card—$1,771Year 1 value

+$1,773 more than enviro Visa Gold LI

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The Bottom Line

American Express Aeroplan Card wins by $1,773/yr — strongest in groceries

American Express Aeroplan Card earns $350 more on groceries
American Express Aeroplan Card earns $144 more on travel
$720 welcome bonus advantage

Groceries: +$350Travel: +$144Bills & Utilities: +$132

Showing Year 1 analysis

American Express Aeroplan Card wins in both Year 1 and Year 2+ — consistent long-term value.

Data Sources

Issuer terms & conditions (verified Feb 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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