Which has the lower annual fee, CIBC Aeroplan Visa Infinite or Marriott Bonvoy American Express Card?

The CIBC Aeroplan Visa Infinite has a $139 annual fee, while the Marriott Bonvoy American Express Card charges $150/year.

Which card is better for groceries, CIBC Aeroplan Visa Infinite or Marriott Bonvoy American Express Card?

The CIBC Aeroplan Visa Infinite earns 2.7x on groceries, while the Marriott Bonvoy American Express Card earns 1.6%. The better choice depends on your grocery spending and the specific merchants you shop at.

Is the Marriott Bonvoy American Express Card accepted everywhere in Canada?

The Marriott Bonvoy American Express Card runs on the American Express network, which is not accepted at some Canadian retailers like Costco and Loblaws. Visa and Mastercard have broader acceptance in Canada.

CIBC Aeroplan Visa Infinite vs Marriott Bonvoy American Express Card — Which Is Better? | Churnr

Header Quick Take Value Earn Rates Merchants Wallet Bonus FX Benefits Eligibility Perks Downgrade Verdict

CIBC Aeroplan Visa Infinite wins by $1,901/yr — strongest in groceries

CIBC Aeroplan Visa Infinite earns $417 more on groceries
CIBC Aeroplan Visa Infinite earns $146 more on gas
$810 welcome bonus advantage

Groceries: +$417Gas: +$146Bills & Utilities: +$117

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

Marriott Bonvoy American Express Card: $30/yr in foreign transaction fees

Marriott Bonvoy American Express Card (Amex) — not accepted at Costco, Loblaws, No Frills, Walmart

Showing Year 1 analysis

Dollar Value

Winner

$2,247

/first year

5.4% effective$187/mo

vs 1% no-fee card: +$1,828

Annual rewards earned+$1,467

Welcome bonus+$810

First-year fee waiver+$139

FX costs−$30

Annual fee−$139

$346

/first year

0.8% effective$29/mo

vs 1% no-fee card: −$73

Annual rewards earned+$526

FX costs−$30

Annual fee−$150

Best for your spendingCIBC Aeroplan Visa Infinite—$2,247Year 1 value

+$1,901 more than Marriott Bonvoy American Express Card

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Earn Rates by Category

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The Bottom Line

CIBC Aeroplan Visa Infinite wins by $1,901/yr — strongest in groceries

CIBC Aeroplan Visa Infinite earns $417 more on groceries
CIBC Aeroplan Visa Infinite earns $146 more on gas
$810 welcome bonus advantage

Groceries: +$417Gas: +$146Bills & Utilities: +$117

Showing Year 1 analysis

CIBC Aeroplan Visa Infinite 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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