Which has the lower annual fee, CIBC Aventura Visa or TD U.S. Dollar Visa?

The CIBC Aventura Visa has no annual fee, while the TD U.S. Dollar Visa charges $39/year.

Which card is better for groceries, CIBC Aventura Visa or TD U.S. Dollar Visa?

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

Which card is better for international purchases?

The CIBC Aventura Visa has a 2.5% foreign transaction fee, while the TD U.S. Dollar Visa has no foreign transaction fee. The card with no FX fee is better for international purchases.

CIBC Aventura Visa vs TD U.S. Dollar Visa — Which Is Better? | Churnr

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

CIBC Aventura Visa edges ahead by $197/yr

CIBC Aventura Visa earns $60 more on groceries
CIBC Aventura Visa earns $36 more on gas
Saves $30/yr in foreign transaction fees

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

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

−$39

/first year

-0.1% effective$3/mo

vs 1% no-fee card: −$458

Annual rewards earned+$0

FX costsNo FX fee

Annual fee−$39

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

+$197 more than TD U.S. Dollar Visa

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Neither card currently offers a welcome bonus.

Downgrade

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The Bottom Line

CIBC Aventura Visa edges ahead by $197/yr

CIBC Aventura Visa earns $60 more on groceries
CIBC Aventura Visa earns $36 more on gas
Saves $30/yr in foreign transaction fees

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 Feb 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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