Which card is better for groceries, BMO eclipse rise Visa or Scotiabank Scene+ Business Visa?

The BMO eclipse rise Visa earns 2.5x on groceries, while the Scotiabank Scene+ Business Visa earns 2x. The better choice depends on your grocery spending and the specific merchants you shop at.

BMO eclipse rise Visa vs Scotiabank Scene+ Business Visa — Which Is Better? | Churnr

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

Scotiabank Scene+ Business Visa edges ahead by $151/yr

Scotiabank Scene+ Business Visa earns $60 more on everything else
BMO eclipse rise Visa earns $36 more on bills & utilities

Everything Else: +$60Bills & Utilities: +$36Groceries: +$32

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

Scotiabank Scene+ Business Visa: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

$384

/first year

0.9% effective$32/mo

vs 1% no-fee card: −$35

Annual rewards earned+$414

FX costs−$30

Annual fee−$0

Winner

$535

/first year

1.3% effective$45/mo

vs 1% no-fee card: +$116

Annual rewards earned+$565

FX costs−$30

Annual fee−$0

Best for your spendingScotiabank Scene+ Business Visa—$535Year 1 value

+$151 more than BMO eclipse rise Visa

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Earn Rates by Category

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The Bottom Line

Scotiabank Scene+ Business Visa edges ahead by $151/yr

Scotiabank Scene+ Business Visa earns $60 more on everything else
BMO eclipse rise Visa earns $36 more on bills & utilities

Everything Else: +$60Bills & Utilities: +$36Groceries: +$32

Showing Year 1 analysis

Scotiabank Scene+ Business Visa wins in both Year 1 and Year 2+ — consistent long-term value.

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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