Which has the lower annual fee, CIBC Aeroplan Visa Infinite Privilege or Scotiabank Passport Visa Infinite Privilege?

Both cards have the same annual fee of $599.

Which card is better for groceries, CIBC Aeroplan Visa Infinite Privilege or Scotiabank Passport Visa Infinite Privilege?

The CIBC Aeroplan Visa Infinite Privilege earns 2.7x on groceries, while the Scotiabank Passport Visa Infinite Privilege earns 0.8x. The better choice depends on your grocery spending and the specific merchants you shop at.

Which card is better for international purchases?

The CIBC Aeroplan Visa Infinite Privilege has a 2.5% foreign transaction fee, while the Scotiabank Passport Visa Infinite Privilege has no foreign transaction fee. The card with no FX fee is better for international purchases.

CIBC Aeroplan Visa Infinite Privilege vs Scotiabank Passport 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 $2,058/yr — strongest in groceries

CIBC Aeroplan Visa Infinite Privilege earns $519 more on groceries
CIBC Aeroplan Visa Infinite Privilege earns $160 more on bills & utilities
Saves $30/yr in foreign transaction fees
$800 welcome bonus advantage

Groceries: +$519Bills & Utilities: +$160Gas: +$146

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

Showing Year 1 analysis

Dollar Value

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

$801

/first year

1.9% effective$67/mo

vs 1% no-fee card: +$382

Annual rewards earned+$400

Welcome bonus+$1,000

FX costsNo FX fee

Annual fee−$599

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

+$2,058 more than Scotiabank Passport Visa Infinite Privilege

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The Bottom Line

CIBC Aeroplan Visa Infinite Privilege wins by $2,058/yr — strongest in groceries

CIBC Aeroplan Visa Infinite Privilege earns $519 more on groceries
CIBC Aeroplan Visa Infinite Privilege earns $160 more on bills & utilities
Saves $30/yr in foreign transaction fees
$800 welcome bonus advantage

Groceries: +$519Bills & Utilities: +$160Gas: +$146

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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