American Express Cobalt Card
American Express
VS
CIBC Aventura Visa Infinite
CIBC
Best Value
American Express Cobalt Card wins by $285
Based on your spending — adjust below to personalise
AI Expert Analysis
Analyzing cards...
Monthly Spending— all calculations update live
Best Value
American Express Cobalt Card
Category Earnings+$1212
Welcome Bonus+$150
Annual Fee-$191.88
Net Value$1170
Earnings breakdown
Grocery$720
Gas$72
Dining$360
Bills$60
CIBC Aventura Visa Infinite
Category Earnings+$624
Welcome Bonus+$400
Annual Fee-$139
Net Value$885
Earnings breakdown
Grocery$288
Gas$72
Dining$144
Bills$120
Annual Fee
American Express
$191.88
CIBC Aventura
$139
✓ Better
Welcome Bonus
American Express
$150
CIBC Aventura
$400
✓ Better
Base Rate
American Express
1.0%
CIBC Aventura
1.5%
✓ Better
Grocery
American Express
5.0%
✓ Better
CIBC Aventura
2.0%
Gas
American Express
2.0%
CIBC Aventura
2.0%
Dining
American Express
5.0%
✓ Better
CIBC Aventura
2.0%
Bills
American Express
1.0%
CIBC Aventura
2.0%
✓ Better
| Feature | American Express Cobalt Card | CIBC Aventura Visa Infinite |
|---|---|---|
Annual Fee | $191.88 | $139 |
Welcome Bonus | $150 | $400 |
Base Rate | 1.0% | 1.5% |
Grocery | 5.0% | 2.0% |
Gas | 2.0% | 2.0% |
Dining | 5.0% | 2.0% |
Bills | 1.0% | 2.0% |
How net value is calculated
Net Value = Category Earnings + Welcome Bonus − Annual Fee
Category earnings = annual spend per category × reward rate. First-year estimate.