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

Both cards have the same annual fee of $599.

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

The CIBC Aeroplan Visa Infinite Privilege earns 2.7x 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.

CIBC Aeroplan Visa Infinite Privilege 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

CIBC Aeroplan Visa Infinite Privilege wins by $315/yr — strongest in travel

CIBC Aeroplan Visa Infinite Privilege earns $78 more on travel
TD Aeroplan Visa Infinite Privilege earns $24 more on dining & restaurants
$270 welcome bonus advantage

Travel: +$78Dining & Restaurants: +$24Transit: +$9

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

TD 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

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

+$315 more than TD Aeroplan Visa Infinite Privilege

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Downgrade

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The Bottom Line

CIBC Aeroplan Visa Infinite Privilege wins by $315/yr — strongest in travel

CIBC Aeroplan Visa Infinite Privilege earns $78 more on travel
TD Aeroplan Visa Infinite Privilege earns $24 more on dining & restaurants
$270 welcome bonus advantage

Travel: +$78Dining & Restaurants: +$24Transit: +$9

Showing Year 1 analysis

Year-over-Year

Year 1

CIBC Aeroplan Visa Infinite Privilege

by $315 — welcome bonus advantage

Year 2+

Too close to call

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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