Which has the lower annual fee, CIBC Aventura Visa or TD Low Rate Visa?

The CIBC Aventura Visa has no annual fee, while the TD Low Rate Visa charges $25/year.

Which card is better for groceries, CIBC Aventura Visa or TD Low Rate Visa?

The CIBC Aventura Visa earns 1x on groceries, while the TD Low Rate Visa earns 0%. The better choice depends on your grocery spending and the specific merchants you shop at.

CIBC Aventura Visa vs TD Low Rate Visa — Which Is Better? | Churnr

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

CIBC Aventura Visa wins by $213/yr — strongest in groceries

CIBC Aventura Visa earns $60 more on groceries
CIBC Aventura Visa earns $36 more on gas

Groceries: +$60Gas: +$36Bills & Utilities: +$24

CIBC Aventura Visa: Groceries cap limits earning — losing ~$68/yr above cap

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

TD Low Rate Visa: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

Winner

$158

/first year

0.4% effective$13/mo

vs 1% no-fee card: −$261

Annual rewards earned+$188

FX costs−$30

Annual fee−$0

Grocery cap reached at $6,000 — remaining $6,780 earns at base rate (losing ~$68 vs uncapped)

Total lost to caps: $68/yr across 1 category

−$55

/first year

-0.1% effective$5/mo

vs 1% no-fee card: −$474

Annual rewards earned+$0

FX costs−$30

Annual fee−$25

Best for your spendingCIBC Aventura Visa—$158Year 1 value

+$213 more than TD Low Rate Visa

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Earn Rates by Category

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The Bottom Line

CIBC Aventura Visa wins by $213/yr — strongest in groceries

CIBC Aventura Visa earns $60 more on groceries
CIBC Aventura Visa earns $36 more on gas

Groceries: +$60Gas: +$36Bills & Utilities: +$24

Showing Year 1 analysis

CIBC Aventura Visa wins in both Year 1 and Year 2+ — consistent long-term value.

Things to Consider

CIBC Aventura Visa: Groceries cap limits earning — losing ~$68/yr above cap

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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