Which has the lower annual fee, Business Marriott Bonvoy Card or TD Aeroplan Visa Business?

The TD Aeroplan Visa Business has a $149 annual fee, while the Business Marriott Bonvoy Card charges $150/year.

Which card is better for groceries, Business Marriott Bonvoy Card or TD Aeroplan Visa Business?

The Business Marriott Bonvoy Card earns 2x on groceries, while the TD Aeroplan Visa Business earns base rate. The better choice depends on your grocery spending and the specific merchants you shop at.

Is the Business Marriott Bonvoy Card accepted everywhere in Canada?

The Business Marriott Bonvoy 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 Marriott Bonvoy Card vs TD Aeroplan Visa Business — Which Is Better? | Churnr

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

TD Aeroplan Visa Business wins by $1,424/yr — strongest in everything else

TD Aeroplan Visa Business earns $108 more on everything else
TD Aeroplan Visa Business earns $82 more on bills & utilities
$1,079 welcome bonus advantage

Everything Else: +$108Bills & Utilities: +$82Shopping: +$76

Business Marriott Bonvoy Card: $30/yr in foreign transaction fees

Business Marriott Bonvoy Card (Amex) — not accepted at Costco, Loblaws, No Frills, Walmart

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

Showing Year 1 analysis

Dollar Value

$347

/first year

0.8% effective$29/mo

vs 1% no-fee card: −$72

Annual rewards earned+$526

Welcome bonus+$1

FX costs−$30

Annual fee−$150

Winner

$1,771

/first year

4.2% effective$148/mo

vs 1% no-fee card: +$1,352

Annual rewards earned+$870

Welcome bonus+$1,080

FX costs−$30

Annual fee−$149

Best for your spendingTD Aeroplan Visa Business—$1,771Year 1 value

+$1,424 more than Business Marriott Bonvoy Card

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

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The Bottom Line

TD Aeroplan Visa Business wins by $1,424/yr — strongest in everything else

TD Aeroplan Visa Business earns $108 more on everything else
TD Aeroplan Visa Business earns $82 more on bills & utilities
$1,079 welcome bonus advantage

Everything Else: +$108Bills & Utilities: +$82Shopping: +$76

Showing Year 1 analysis

TD Aeroplan Visa Business 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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