Which has the lower annual fee, CIBC Aventura Visa Infinite or TD First Class Travel Visa Infinite Card?

Both cards have the same annual fee of $139.

Which card is better for groceries, CIBC Aventura Visa Infinite or TD First Class Travel Visa Infinite Card?

The CIBC Aventura Visa Infinite earns 1.5x on groceries, while the TD First Class Travel Visa Infinite Card earns 3x. The better choice depends on your grocery spending and the specific merchants you shop at.

CIBC Aventura Visa Infinite vs TD First Class Travel Visa Infinite Card — Which Is Better? | Churnr

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

TD First Class Travel Visa Infinite Card wins by $936/yr — strongest in groceries

TD First Class Travel Visa Infinite Card earns $115 more on groceries
TD First Class Travel Visa Infinite Card earns $46 more on dining & restaurants
$720 welcome bonus advantage

Groceries: +$115Dining & Restaurants: +$46Travel: +$29

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

TD First Class Travel Visa Infinite Card: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

$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

Winner

$1,959

/first year

4.7% effective$163/mo

vs 1% no-fee card: +$1,540

Annual rewards earned+$669

Welcome bonus+$1,320

First-year fee waiver+$139

FX costs−$30

Annual fee−$139

Best for your spendingTD First Class Travel Visa Infinite Card—$1,959Year 1 value

+$936 more than CIBC Aventura Visa Infinite

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

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The Bottom Line

TD First Class Travel Visa Infinite Card wins by $936/yr — strongest in groceries

TD First Class Travel Visa Infinite Card earns $115 more on groceries
TD First Class Travel Visa Infinite Card earns $46 more on dining & restaurants
$720 welcome bonus advantage

Groceries: +$115Dining & Restaurants: +$46Travel: +$29

Showing Year 1 analysis

TD First Class Travel Visa Infinite Card 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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