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

The TD Aeroplan Visa Business has a $149 annual fee, while the CIBC Aeroplan Visa Infinite Privilege charges $599/year.

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

The CIBC Aeroplan Visa Infinite Privilege earns 2.7x 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.

CIBC Aeroplan Visa Infinite Privilege vs TD Aeroplan Visa Business — 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 $1,088/yr — strongest in groceries

CIBC Aeroplan Visa Infinite Privilege earns $391 more on groceries
CIBC Aeroplan Visa Infinite Privilege earns $147 more on travel
$720 welcome bonus advantage
$450 higher annual fee, offset by rewards

Groceries: +$391Travel: +$147Gas: +$110

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

TD Aeroplan Visa Business: $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

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

+$1,088 more than TD Aeroplan Visa Business

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

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The Bottom Line

CIBC Aeroplan Visa Infinite Privilege wins by $1,088/yr — strongest in groceries

CIBC Aeroplan Visa Infinite Privilege earns $391 more on groceries
CIBC Aeroplan Visa Infinite Privilege earns $147 more on travel
$720 welcome bonus advantage
$450 higher annual fee, offset by rewards

Groceries: +$391Travel: +$147Gas: +$110

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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