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

The CIBC Aeroplan Visa Infinite has a $139 annual fee, while the TD Aeroplan Visa Infinite Privilege charges $599/year.

Which card is better for groceries, CIBC Aeroplan Visa Infinite or TD Aeroplan Visa Infinite Privilege?

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

CIBC Aeroplan Visa Infinite vs TD Aeroplan Visa Infinite Privilege — Which Is Better? | Churnr

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

TD Aeroplan Visa Infinite Privilege wins by $297/yr — strongest in dining & restaurants

TD Aeroplan Visa Infinite Privilege earns $53 more on dining & restaurants
TD Aeroplan Visa Infinite Privilege earns $43 more on bills & utilities
$720 welcome bonus advantage
$460 higher annual fee, offset by rewards

Dining & Restaurants: +$53Bills & Utilities: +$43Shopping: +$38

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

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

Showing Year 1 analysis

Dollar Value

$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

Winner

$2,543

/first year

6.1% effective$212/mo

vs 1% no-fee card: +$2,124

Annual rewards earned+$1,642

Welcome bonus+$1,530

FX costs−$30

Annual fee−$599

Best for your spendingTD Aeroplan Visa Infinite Privilege—$2,543Year 1 value

+$297 more than CIBC Aeroplan Visa Infinite

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Downgrade

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The Bottom Line

TD Aeroplan Visa Infinite Privilege wins by $297/yr — strongest in dining & restaurants

TD Aeroplan Visa Infinite Privilege earns $53 more on dining & restaurants
TD Aeroplan Visa Infinite Privilege earns $43 more on bills & utilities
$720 welcome bonus advantage
$460 higher annual fee, offset by rewards

Dining & Restaurants: +$53Bills & Utilities: +$43Shopping: +$38

Showing Year 1 analysis

Year-over-Year

Year 1

TD Aeroplan Visa Infinite Privilege

by $297 — welcome bonus advantage

Year 2+

CIBC Aeroplan Visa Infinite

by $285 — ongoing earn advantage

TD Aeroplan Visa Infinite Privilege wins Year 1 thanks to a better welcome bonus, but CIBC Aeroplan Visa Infinite earns more ongoing. Consider how long you plan to hold the card.

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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