Which has the lower annual fee, CIBC US Dollar Aventura Gold Visa or TD Aeroplan Visa Business?

The CIBC US Dollar Aventura Gold Visa has a $120 annual fee, while the TD Aeroplan Visa Business charges $149/year.

Which card is better for groceries, CIBC US Dollar Aventura Gold Visa or TD Aeroplan Visa Business?

The CIBC US Dollar Aventura Gold Visa earns 1.5x on groceries, while the TD Aeroplan Visa Business earns base rate. The better choice depends on your grocery spending and the specific merchants you shop at.

Which card is better for international purchases?

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

CIBC US Dollar Aventura Gold Visa vs TD Aeroplan Visa Business — Which Is Better? | Churnr

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

TD Aeroplan Visa Business wins by $1,413/yr — strongest in everything else

TD Aeroplan Visa Business earns $108 more on everything else
TD Aeroplan Visa Business earns $82 more on bills & utilities
Saves $30/yr in foreign transaction fees
$1,055 welcome bonus advantage

Everything Else: +$108Bills & Utilities: +$82Dining & Restaurants: +$56

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

Showing Year 1 analysis

Dollar Value

$358

/first year

0.9% effective$30/mo

vs 1% no-fee card: −$61

Annual rewards earned+$453

Welcome bonus+$25

FX costsNo FX fee

Annual fee−$120

Winner

$1,771

/first year

4.2% effective$148/mo

vs 1% no-fee card: +$1,352

Annual rewards earned+$870

Welcome bonus+$1,080

FX costs−$30

Annual fee−$149

Best for your spendingTD Aeroplan Visa Business—$1,771Year 1 value

+$1,413 more than CIBC US Dollar Aventura Gold Visa

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The Bottom Line

TD Aeroplan Visa Business wins by $1,413/yr — strongest in everything else

TD Aeroplan Visa Business earns $108 more on everything else
TD Aeroplan Visa Business earns $82 more on bills & utilities
Saves $30/yr in foreign transaction fees
$1,055 welcome bonus advantage

Everything Else: +$108Bills & Utilities: +$82Dining & Restaurants: +$56

Showing Year 1 analysis

TD Aeroplan Visa Business 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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