Which has the lower annual fee, Business Aeroplan Reserve Card or TD Aeroplan Visa Infinite Privilege?

Both cards have the same annual fee of $599.

Which card is better for groceries, Business Aeroplan Reserve Card or TD Aeroplan Visa Infinite Privilege?

The Business Aeroplan Reserve Card earns 1x on groceries, while the TD Aeroplan Visa Infinite Privilege earns 2.7x. The better choice depends on your grocery spending and the specific merchants you shop at.

Is the Business Aeroplan Reserve Card accepted everywhere in Canada?

The Business 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.

Business Aeroplan Reserve Card vs TD Aeroplan Visa Infinite Privilege — Which Is Better? | Churnr

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

TD Aeroplan Visa Infinite Privilege wins by $2,665/yr — strongest in groceries

TD Aeroplan Visa Infinite Privilege earns $391 more on groceries
TD Aeroplan Visa Infinite Privilege earns $174 more on shopping
$1,528 welcome bonus advantage

Groceries: +$391Shopping: +$174Bills & Utilities: +$112

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

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

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

Showing Year 1 analysis

Dollar Value

−$122

/first year

-0.3% effective$10/mo

vs 1% no-fee card: −$541

Annual rewards earned+$505

Welcome bonus+$2

FX costs−$30

Annual fee−$599

Winner

$2,543

/first year

6.1% effective$212/mo

vs 1% no-fee card: +$2,124

Annual rewards earned+$1,642

Welcome bonus+$1,530

FX costs−$30

Annual fee−$599

Best for your spendingTD Aeroplan Visa Infinite Privilege—$2,543Year 1 value

+$2,665 more than Business Aeroplan Reserve Card

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Earn Rates by Category

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The Bottom Line

TD Aeroplan Visa Infinite Privilege wins by $2,665/yr — strongest in groceries

TD Aeroplan Visa Infinite Privilege earns $391 more on groceries
TD Aeroplan Visa Infinite Privilege earns $174 more on shopping
$1,528 welcome bonus advantage

Groceries: +$391Shopping: +$174Bills & Utilities: +$112

Showing Year 1 analysis

TD 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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