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

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

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

The American Express Aeroplan Card earns 1.8x on groceries, while the TD Aeroplan Visa Infinite Card 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 TD Aeroplan Visa Infinite Card — Which Is Better? | Churnr

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

TD Aeroplan Visa Infinite Card wins by $346/yr — strongest in groceries

TD Aeroplan Visa Infinite Card earns $207 more on groceries
TD Aeroplan Visa Infinite Card earns $58 more on gas

Groceries: +$207Gas: +$58Travel: +$39

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

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

TD Aeroplan Visa Infinite Card: $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

$2,118

/first year

5.1% effective$176/mo

vs 1% no-fee card: +$1,699

Annual rewards earned+$1,428

Welcome bonus+$720

First-year fee waiver+$139

FX costs−$30

Annual fee−$139

Best for your spendingTD Aeroplan Visa Infinite Card—$2,118Year 1 value

+$346 more than American Express Aeroplan Card

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Earn Rates by Category

Wallet Optimizer

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The Bottom Line

TD Aeroplan Visa Infinite Card wins by $346/yr — strongest in groceries

TD Aeroplan Visa Infinite Card earns $207 more on groceries
TD Aeroplan Visa Infinite Card earns $58 more on gas

Groceries: +$207Gas: +$58Travel: +$39

Showing Year 1 analysis

TD Aeroplan Visa Infinite Card 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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