Which has the lower annual fee, enviro Visa Infinite or Visa EXPLORE?

The Visa EXPLORE has a $95 annual fee, while the enviro Visa Infinite charges $120/year.

Which card is better for groceries, enviro Visa Infinite or Visa EXPLORE?

The enviro Visa Infinite earns 1x on groceries, while the Visa EXPLORE earns 0.5x. The better choice depends on your grocery spending and the specific merchants you shop at.

enviro Visa Infinite vs Visa EXPLORE — Which Is Better? | Churnr

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

enviro Visa Infinite edges ahead by $198/yr

enviro Visa Infinite earns $64 more on groceries
enviro Visa Infinite earns $24 more on bills & utilities

Groceries: +$64Bills & Utilities: +$24Shopping: +$21

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

Visa EXPLORE: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

Winner

$247

/first year

0.6% effective$21/mo

vs 1% no-fee card: −$172

Annual rewards earned+$347

Welcome bonus+$50

FX costs−$30

Annual fee−$120

$48

/first year

0.1% effective$4/mo

vs 1% no-fee card: −$370

Annual rewards earned+$173

FX costs−$30

Annual fee−$95

Best for your spendingenviro Visa Infinite—$247Year 1 value

+$198 more than Visa EXPLORE

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

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The Bottom Line

enviro Visa Infinite edges ahead by $198/yr

enviro Visa Infinite earns $64 more on groceries
enviro Visa Infinite earns $24 more on bills & utilities

Groceries: +$64Bills & Utilities: +$24Shopping: +$21

Showing Year 1 analysis

enviro Visa Infinite 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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