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

The TD Aeroplan Visa Platinum has a $89 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 Platinum?

The CIBC Aeroplan Visa Infinite Privilege earns 2.7x on groceries, while the TD Aeroplan Visa Platinum earns 1x. The better choice depends on your grocery spending and the specific merchants you shop at.

CIBC Aeroplan Visa Infinite Privilege vs TD Aeroplan Visa Platinum — 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 $2,362/yr — strongest in groceries

CIBC Aeroplan Visa Infinite Privilege earns $391 more on groceries
CIBC Aeroplan Visa Infinite Privilege earns $190 more on travel
$1,800 welcome bonus advantage
$510 higher annual fee, offset by rewards

Groceries: +$391Travel: +$190Bills & Utilities: +$141

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

TD Aeroplan Visa Platinum: $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

$496

/first year

1.2% effective$41/mo

vs 1% no-fee card: +$78

Annual rewards earned+$615

FX costs−$30

Annual fee−$89

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

+$2,362 more than TD Aeroplan Visa Platinum

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 $2,362/yr — strongest in groceries

CIBC Aeroplan Visa Infinite Privilege earns $391 more on groceries
CIBC Aeroplan Visa Infinite Privilege earns $190 more on travel
$1,800 welcome bonus advantage
$510 higher annual fee, offset by rewards

Groceries: +$391Travel: +$190Bills & Utilities: +$141

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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