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

The TD Aeroplan Visa Platinum has a $89 annual fee, while the CIBC US Dollar Aventura Gold Visa charges $120/year.

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

The CIBC US Dollar Aventura Gold Visa earns 1.5x on groceries, while the TD Aeroplan Visa Platinum earns 1x. 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 Platinum 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 Platinum — Which Is Better? | Churnr

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

TD Aeroplan Visa Platinum edges ahead by $139/yr

TD Aeroplan Visa Platinum earns $72 more on everything else
TD Aeroplan Visa Platinum earns $38 more on groceries
Saves $30/yr in foreign transaction fees

Everything Else: +$72Groceries: +$38International (Non-CAD): +$14

TD Aeroplan Visa Platinum: $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

$496

/first year

1.2% effective$41/mo

vs 1% no-fee card: +$78

Annual rewards earned+$615

FX costs−$30

Annual fee−$89

Best for your spendingTD Aeroplan Visa Platinum—$496Year 1 value

+$139 more than CIBC US Dollar Aventura Gold Visa

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

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The Bottom Line

TD Aeroplan Visa Platinum edges ahead by $139/yr

TD Aeroplan Visa Platinum earns $72 more on everything else
TD Aeroplan Visa Platinum earns $38 more on groceries
Saves $30/yr in foreign transaction fees

Everything Else: +$72Groceries: +$38International (Non-CAD): +$14

Showing Year 1 analysis

TD Aeroplan Visa Platinum 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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