Which has the lower annual fee, CIBC Aeroplan Visa Infinite or Scotiabank GM Visa Infinite?

The Scotiabank GM Visa Infinite has a $99 annual fee, while the CIBC Aeroplan Visa Infinite charges $139/year.

Which card is better for groceries, CIBC Aeroplan Visa Infinite or Scotiabank GM Visa Infinite?

The CIBC Aeroplan Visa Infinite earns 2.7x on groceries, while the Scotiabank GM Visa Infinite earns 5%. The better choice depends on your grocery spending and the specific merchants you shop at.

CIBC Aeroplan Visa Infinite vs Scotiabank GM 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 $1,008/yr — strongest in travel

CIBC Aeroplan Visa Infinite earns $84 more on travel
$810 welcome bonus advantage

Travel: +$84Groceries: +$18Bills & Utilities: +$12

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

Scotiabank GM 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

$1,239

/first year

3.0% effective$103/mo

vs 1% no-fee card: +$820

Annual rewards earned+$1,368

FX costs−$30

Annual fee−$99

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

+$1,008 more than Scotiabank GM Visa Infinite

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

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The Bottom Line

CIBC Aeroplan Visa Infinite wins by $1,008/yr — strongest in travel

CIBC Aeroplan Visa Infinite earns $84 more on travel
$810 welcome bonus advantage

Travel: +$84Groceries: +$18Bills & Utilities: +$12

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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