Which card is better for groceries, CIBC Aventura Visa for Students or Equityline Visa?

The CIBC Aventura Visa for Students earns 1x on groceries, while the Equityline Visa earns 0%. The better choice depends on your grocery spending and the specific merchants you shop at.

CIBC Aventura Visa for Students vs Equityline Visa — Which Is Better? | Churnr

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

CIBC Aventura Visa for Students wins by $267/yr — strongest in groceries

CIBC Aventura Visa for Students earns $128 more on groceries
CIBC Aventura Visa for Students earns $36 more on gas

Groceries: +$128Gas: +$36Travel: +$24

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

Equityline Visa: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

Winner

$237

/first year

0.6% effective$20/mo

vs 1% no-fee card: −$181

Annual rewards earned+$267

FX costs−$30

Annual fee−$0

−$30

/first year

-0.1% effective$2/mo

vs 1% no-fee card: −$449

Annual rewards earned+$0

FX costs−$30

Annual fee−$0

Best for your spendingCIBC Aventura Visa for Students—$237Year 1 value

+$267 more than Equityline Visa

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Neither card currently offers a welcome bonus.

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The Bottom Line

CIBC Aventura Visa for Students wins by $267/yr — strongest in groceries

CIBC Aventura Visa for Students earns $128 more on groceries
CIBC Aventura Visa for Students earns $36 more on gas

Groceries: +$128Gas: +$36Travel: +$24

Showing Year 1 analysis

CIBC Aventura Visa for Students 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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