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

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

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

The CIBC Aventura Visa Infinite earns 1.5x 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 Aventura 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 Aventura Visa Infinite wins by $437/yr — strongest in groceries

RBC British Airways Visa Infinite earns $96 more on groceries
RBC British Airways Visa Infinite earns $60 more on bills & utilities
$600 welcome bonus advantage

Groceries: +$96Bills & Utilities: +$60Shopping: +$53

CIBC Aventura 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

$1,023

/first year

2.4% effective$85/mo

vs 1% no-fee card: +$604

Annual rewards earned+$453

Welcome bonus+$600

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 Aventura Visa Infinite—$1,023Year 1 value

+$437 more than RBC British Airways Visa Infinite

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Downgrade

Coming soon

The Bottom Line

CIBC Aventura Visa Infinite wins by $437/yr — strongest in groceries

RBC British Airways Visa Infinite earns $96 more on groceries
RBC British Airways Visa Infinite earns $60 more on bills & utilities
$600 welcome bonus advantage

Groceries: +$96Bills & Utilities: +$60Shopping: +$53

Showing Year 1 analysis

Year-over-Year

Year 1

CIBC Aventura Visa Infinite

by $437 — welcome bonus advantage

Year 2+

RBC British Airways Visa Infinite

by $302 — ongoing earn advantage

CIBC Aventura Visa Infinite wins Year 1 thanks to a better welcome bonus, but RBC British Airways 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

Found an error? Report incorrect data