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

The TD Platinum Travel Visa 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 Platinum Travel Visa?

The CIBC US Dollar Aventura Gold Visa earns 1.5x on groceries, while the TD Platinum Travel Visa earns 4.5x. 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 Platinum Travel Visa 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 Platinum Travel Visa — Which Is Better? | Churnr

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

TD Platinum Travel Visa wins by $613/yr — strongest in groceries

TD Platinum Travel Visa earns $268 more on groceries
TD Platinum Travel Visa earns $86 more on dining & restaurants
Saves $30/yr in foreign transaction fees

Groceries: +$268Dining & Restaurants: +$86Everything Else: +$72

TD Platinum Travel Visa: $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

$971

/first year

2.3% effective$81/mo

vs 1% no-fee card: +$552

Annual rewards earned+$1,090

FX costs−$30

Annual fee−$89

Best for your spendingTD Platinum Travel Visa—$971Year 1 value

+$613 more than CIBC US Dollar Aventura Gold Visa

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Earn Rates by Category

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The Bottom Line

TD Platinum Travel Visa wins by $613/yr — strongest in groceries

TD Platinum Travel Visa earns $268 more on groceries
TD Platinum Travel Visa earns $86 more on dining & restaurants
Saves $30/yr in foreign transaction fees

Groceries: +$268Dining & Restaurants: +$86Everything Else: +$72

Showing Year 1 analysis

TD Platinum Travel Visa 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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