Which has the lower annual fee, American Express Platinum Card or CIBC Aventura Visa Infinite Privilege?

The CIBC Aventura Visa Infinite Privilege has a $499 annual fee, while the American Express Platinum Card charges $799/year.

Which card is better for groceries, American Express Platinum Card or CIBC Aventura Visa Infinite Privilege?

The American Express Platinum Card earns 1.5x on groceries, while the CIBC Aventura Visa Infinite Privilege earns 2x. The better choice depends on your grocery spending and the specific merchants you shop at.

Is the American Express Platinum Card accepted everywhere in Canada?

The American Express Platinum 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 Platinum Card vs CIBC Aventura Visa Infinite Privilege — Which Is Better? | Churnr

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

American Express Platinum Card wins by $2,353/yr — strongest in dining & restaurants

American Express Platinum Card earns $165 more on dining & restaurants
American Express Platinum Card earns $128 more on groceries
$2,000 welcome bonus advantage
$300 higher annual fee, offset by rewards

Dining & Restaurants: +$165Groceries: +$128Bills & Utilities: +$96

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

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

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

Showing Year 1 analysis

Dollar Value

Winner

$2,382

/first year

5.7% effective$199/mo

vs 1% no-fee card: +$1,964

Annual rewards earned+$1,211

Welcome bonus+$2,000

FX costs−$30

Annual fee−$799

$30

/first year

0.1% effective$2/mo

vs 1% no-fee card: −$389

Annual rewards earned+$559

FX costs−$30

Annual fee−$499

Best for your spendingAmerican Express Platinum Card—$2,382Year 1 value

+$2,353 more than CIBC Aventura Visa Infinite Privilege

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

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The Bottom Line

American Express Platinum Card wins by $2,353/yr — strongest in dining & restaurants

American Express Platinum Card earns $165 more on dining & restaurants
American Express Platinum Card earns $128 more on groceries
$2,000 welcome bonus advantage
$300 higher annual fee, offset by rewards

Dining & Restaurants: +$165Groceries: +$128Bills & Utilities: +$96

Showing Year 1 analysis

American Express Platinum 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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