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

The TD Aeroplan Visa Infinite Card has a $139 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 Infinite Card?

The CIBC Aeroplan Visa Infinite Privilege earns 2.7x 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.

CIBC Aeroplan Visa Infinite Privilege 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

CIBC Aeroplan Visa Infinite Privilege wins by $741/yr — strongest in travel

CIBC Aeroplan Visa Infinite Privilege earns $117 more on travel
CIBC Aeroplan Visa Infinite Privilege earns $43 more on bills & utilities
$1,080 welcome bonus advantage
$460 higher annual fee, offset by rewards

Travel: +$117Bills & Utilities: +$43Shopping: +$38

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

TD Aeroplan Visa Infinite Card: $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

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

+$741 more than TD Aeroplan Visa Infinite Card

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 $741/yr — strongest in travel

CIBC Aeroplan Visa Infinite Privilege earns $117 more on travel
CIBC Aeroplan Visa Infinite Privilege earns $43 more on bills & utilities
$1,080 welcome bonus advantage
$460 higher annual fee, offset by rewards

Travel: +$117Bills & Utilities: +$43Shopping: +$38

Showing Year 1 analysis

Year-over-Year

Year 1

CIBC Aeroplan Visa Infinite Privilege

by $741 — welcome bonus advantage

Year 2+

TD Aeroplan Visa Infinite Card

by $200 — ongoing earn advantage

CIBC Aeroplan Visa Infinite Privilege wins Year 1 thanks to a better welcome bonus, but TD Aeroplan Visa Infinite Card earns more ongoing. Consider how long you plan to hold the card.

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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