Which has the lower annual fee, enviro Visa Infinite Business or TD Aeroplan Visa Platinum?

The TD Aeroplan Visa Platinum has a $89 annual fee, while the enviro Visa Infinite Business charges $120/year.

Which card is better for groceries, enviro Visa Infinite Business or TD Aeroplan Visa Platinum?

The enviro Visa Infinite Business earns 1x 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.

enviro Visa Infinite Business 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 wins by $377/yr — strongest in groceries

TD Aeroplan Visa Platinum earns $102 more on groceries
TD Aeroplan Visa Platinum earns $72 more on everything else

Groceries: +$102Everything Else: +$72Shopping: +$50

enviro Visa Infinite Business: $30/yr in foreign transaction fees

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

Showing Year 1 analysis

Dollar Value

$119

/first year

0.3% effective$10/mo

vs 1% no-fee card: −$300

Annual rewards earned+$269

Welcome bonus+$0

FX costs−$30

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

+$377 more than enviro Visa Infinite Business

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Downgrade

Coming soon

The Bottom Line

TD Aeroplan Visa Platinum wins by $377/yr — strongest in groceries

TD Aeroplan Visa Platinum earns $102 more on groceries
TD Aeroplan Visa Platinum earns $72 more on everything else

Groceries: +$102Everything Else: +$72Shopping: +$50

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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