Which has the lower annual fee, BMO eclipse Visa Infinite Privilege or CIBC Aeroplan Visa Infinite Privilege?

Both cards have the same annual fee of $599.

Which card is better for groceries, BMO eclipse Visa Infinite Privilege or CIBC Aeroplan Visa Infinite Privilege?

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

BMO eclipse Visa Infinite Privilege vs CIBC Aeroplan Visa Infinite Privilege — Which Is Better? | Churnr

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

CIBC Aeroplan Visa Infinite Privilege wins by $1,227/yr — strongest in groceries

CIBC Aeroplan Visa Infinite Privilege earns $174 more on groceries
CIBC Aeroplan Visa Infinite Privilege earns $165 more on bills & utilities
$400 welcome bonus advantage

Groceries: +$174Bills & Utilities: +$165Travel: +$149

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

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

Showing Year 1 analysis

Dollar Value

$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

Winner

$2,859

/first year

6.8% effective$238/mo

vs 1% no-fee card: +$2,440

Annual rewards earned+$1,688

Welcome bonus+$1,800

FX costs−$30

Annual fee−$599

Best for your spendingCIBC Aeroplan Visa Infinite Privilege—$2,859Year 1 value

+$1,227 more than BMO eclipse Visa Infinite Privilege

Scroll down for the full breakdown

Earn Rates by Category

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The Bottom Line

CIBC Aeroplan Visa Infinite Privilege wins by $1,227/yr — strongest in groceries

CIBC Aeroplan Visa Infinite Privilege earns $174 more on groceries
CIBC Aeroplan Visa Infinite Privilege earns $165 more on bills & utilities
$400 welcome bonus advantage

Groceries: +$174Bills & Utilities: +$165Travel: +$149

Showing Year 1 analysis

CIBC Aeroplan Visa Infinite Privilege 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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