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

The BMO eclipse Visa Infinite has a $120 annual fee, while the CIBC Aventura Visa Infinite charges $139/year.

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

The BMO eclipse Visa Infinite earns base rate on groceries, while the CIBC Aventura Visa Infinite earns 1.5x. The better choice depends on your grocery spending and the specific merchants you shop at.

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

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

CIBC Aventura Visa Infinite wins by $615/yr — strongest in groceries

CIBC Aventura Visa Infinite earns $192 more on groceries
CIBC Aventura Visa Infinite earns $54 more on gas
$110 welcome bonus advantage

Groceries: +$192Gas: +$54Travel: +$36

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

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

Showing Year 1 analysis

Dollar Value

$408

/first year

1.0% effective$34/mo

vs 1% no-fee card: −$11

Annual rewards earned+$68

Welcome bonus+$490

FX costs−$30

Annual fee−$120

Winner

$1,023

/first year

2.4% effective$85/mo

vs 1% no-fee card: +$604

Annual rewards earned+$453

Welcome bonus+$600

First-year fee waiver+$139

FX costs−$30

Annual fee−$139

Best for your spendingCIBC Aventura Visa Infinite—$1,023Year 1 value

+$615 more than BMO eclipse Visa Infinite

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Earn Rates by Category

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The Bottom Line

CIBC Aventura Visa Infinite wins by $615/yr — strongest in groceries

CIBC Aventura Visa Infinite earns $192 more on groceries
CIBC Aventura Visa Infinite earns $54 more on gas
$110 welcome bonus advantage

Groceries: +$192Gas: +$54Travel: +$36

Showing Year 1 analysis

CIBC Aventura Visa Infinite 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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