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

The CIBC Aeroplan Visa Infinite has a $139 annual fee, while the Scotiabank Passport Visa Infinite charges $150/year.

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

The CIBC Aeroplan Visa Infinite earns 2.7x on groceries, while the Scotiabank Passport Visa Infinite earns 1.6x. The better choice depends on your grocery spending and the specific merchants you shop at.

Which card is better for international purchases?

The CIBC Aeroplan Visa Infinite has a 2.5% foreign transaction fee, while the Scotiabank Passport Visa Infinite has no foreign transaction fee. The card with no FX fee is better for international purchases.

CIBC Aeroplan Visa Infinite vs Scotiabank Passport 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 $1,250/yr — strongest in groceries

CIBC Aeroplan Visa Infinite earns $417 more on groceries
CIBC Aeroplan Visa Infinite earns $156 more on travel
Saves $30/yr in foreign transaction fees
$210 welcome bonus advantage

Groceries: +$417Travel: +$156Gas: +$146

CIBC Aeroplan 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

$996

/first year

2.4% effective$83/mo

vs 1% no-fee card: +$578

Annual rewards earned+$396

Welcome bonus+$600

First-year fee waiver+$150

FX costsNo FX fee

Annual fee−$150

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

+$1,250 more than Scotiabank Passport Visa Infinite

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The Bottom Line

CIBC Aeroplan Visa Infinite wins by $1,250/yr — strongest in groceries

CIBC Aeroplan Visa Infinite earns $417 more on groceries
CIBC Aeroplan Visa Infinite earns $156 more on travel
Saves $30/yr in foreign transaction fees
$210 welcome bonus advantage

Groceries: +$417Travel: +$156Gas: +$146

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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