Which card is better for groceries, BMO eclipse rise Visa or CIBC Aventura Visa?

The BMO eclipse rise Visa earns 2.5x on groceries, while the CIBC Aventura Visa earns 1x. The better choice depends on your grocery spending and the specific merchants you shop at.

BMO eclipse rise Visa vs CIBC Aventura Visa — Which Is Better? | Churnr

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

BMO eclipse rise Visa wins by $226/yr — strongest in groceries

BMO eclipse rise Visa earns $164 more on groceries
BMO eclipse rise Visa earns $60 more on bills & utilities

Groceries: +$164Bills & Utilities: +$60Dining & Restaurants: +$41

BMO eclipse rise Visa: $30/yr in foreign transaction fees

CIBC Aventura Visa: Groceries cap limits earning — losing ~$68/yr above cap

CIBC Aventura Visa: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

Winner

$384

/first year

0.9% effective$32/mo

vs 1% no-fee card: −$35

Annual rewards earned+$414

FX costs−$30

Annual fee−$0

$158

/first year

0.4% effective$13/mo

vs 1% no-fee card: −$261

Annual rewards earned+$188

FX costs−$30

Annual fee−$0

Grocery cap reached at $6,000 — remaining $6,780 earns at base rate (losing ~$68 vs uncapped)

Total lost to caps: $68/yr across 1 category

Best for your spendingBMO eclipse rise Visa—$384Year 1 value

+$226 more than CIBC Aventura Visa

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Neither card currently offers a welcome bonus.

Downgrade

Coming soon

The Bottom Line

BMO eclipse rise Visa wins by $226/yr — strongest in groceries

BMO eclipse rise Visa earns $164 more on groceries
BMO eclipse rise Visa earns $60 more on bills & utilities

Groceries: +$164Bills & Utilities: +$60Dining & Restaurants: +$41

Showing Year 1 analysis

BMO eclipse rise Visa wins in both Year 1 and Year 2+ — consistent long-term value.

Things to Consider

CIBC Aventura Visa: Groceries cap limits earning — losing ~$68/yr above cap

Data Sources

Issuer terms & conditions (verified Feb 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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