Which has the lower annual fee, American Express Aeroplan Reserve Card or BMO eclipse Visa Infinite Privilege?

Both cards have the same annual fee of $599.

Which card is better for groceries, American Express Aeroplan Reserve Card or BMO eclipse Visa Infinite Privilege?

The American Express Aeroplan Reserve Card earns 2.7x on groceries, while the BMO eclipse Visa Infinite Privilege earns 5x. The better choice depends on your grocery spending and the specific merchants you shop at.

Is the American Express Aeroplan Reserve Card accepted everywhere in Canada?

The American Express Aeroplan Reserve 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 Reserve Card vs BMO eclipse Visa Infinite Privilege — Which Is Better? | Churnr

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

American Express Aeroplan Reserve Card wins by $969/yr — strongest in dining & restaurants

American Express Aeroplan Reserve Card earns $205 more on dining & restaurants
American Express Aeroplan Reserve Card earns $174 more on groceries
$130 welcome bonus advantage

Dining & Restaurants: +$205Groceries: +$174Travel: +$149

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

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

BMO eclipse Visa Infinite Privilege: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

Winner

$2,601

/first year

6.2% effective$217/mo

vs 1% no-fee card: +$2,182

Annual rewards earned+$1,700

Welcome bonus+$1,530

FX costs−$30

Annual fee−$599

$1,632

/first year

3.9% effective$136/mo

vs 1% no-fee card: +$1,213

Annual rewards earned+$861

Welcome bonus+$1,400

FX costs−$30

Annual fee−$599

Best for your spendingAmerican Express Aeroplan Reserve Card—$2,601Year 1 value

+$969 more than BMO eclipse Visa Infinite Privilege

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

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The Bottom Line

American Express Aeroplan Reserve Card wins by $969/yr — strongest in dining & restaurants

American Express Aeroplan Reserve Card earns $205 more on dining & restaurants
American Express Aeroplan Reserve Card earns $174 more on groceries
$130 welcome bonus advantage

Dining & Restaurants: +$205Groceries: +$174Travel: +$149

Showing Year 1 analysis

American Express Aeroplan Reserve 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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