Which has the lower annual fee, BMO eclipse Visa Infinite or TD Aeroplan Visa Infinite Card?

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

Which card is better for groceries, BMO eclipse Visa Infinite or TD Aeroplan Visa Infinite Card?

The BMO eclipse Visa Infinite earns base rate 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.

BMO eclipse Visa Infinite 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 $1,710/yr — strongest in groceries

TD Aeroplan Visa Infinite Card earns $621 more on groceries
TD Aeroplan Visa Infinite Card earns $175 more on gas
$230 welcome bonus advantage

Groceries: +$621Gas: +$175Bills & Utilities: +$132

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

TD Aeroplan Visa Infinite Card: $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

$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

+$1,710 more than BMO eclipse Visa Infinite

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

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The Bottom Line

TD Aeroplan Visa Infinite Card wins by $1,710/yr — strongest in groceries

TD Aeroplan Visa Infinite Card earns $621 more on groceries
TD Aeroplan Visa Infinite Card earns $175 more on gas
$230 welcome bonus advantage

Groceries: +$621Gas: +$175Bills & Utilities: +$132

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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