Which has the lower annual fee, CIBC Aeroplan Visa Infinite or RBC British Airways Visa Infinite?

The CIBC Aeroplan Visa Infinite has a $139 annual fee, while the RBC British Airways Visa Infinite charges $165/year.

Which card is better for groceries, CIBC Aeroplan Visa Infinite or RBC British Airways Visa Infinite?

The CIBC Aeroplan Visa Infinite earns 2.7x on groceries, while the RBC British Airways Visa Infinite earns 2.3%. The better choice depends on your grocery spending and the specific merchants you shop at.

CIBC Aeroplan Visa Infinite vs RBC British Airways Visa Infinite — 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 $1,661/yr — strongest in groceries

CIBC Aeroplan Visa Infinite earns $334 more on groceries
CIBC Aeroplan Visa Infinite earns $102 more on travel
$810 welcome bonus advantage

Groceries: +$334Travel: +$102Gas: +$94

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

RBC British Airways Visa Infinite: $30/yr in foreign transaction fees

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

$585

/first year

1.4% effective$49/mo

vs 1% no-fee card: +$166

Annual rewards earned+$780

FX costs−$30

Annual fee−$165

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

+$1,661 more than RBC British Airways Visa Infinite

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Earn Rates by Category

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The Bottom Line

CIBC Aeroplan Visa Infinite wins by $1,661/yr — strongest in groceries

CIBC Aeroplan Visa Infinite earns $334 more on groceries
CIBC Aeroplan Visa Infinite earns $102 more on travel
$810 welcome bonus advantage

Groceries: +$334Travel: +$102Gas: +$94

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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