Which card is better for groceries, CIBC Aventura Visa for Students or Scotiabank Scene+ Visa for Students?

The CIBC Aventura Visa for Students earns 1x on groceries, while the Scotiabank Scene+ Visa for Students earns 0.8x. The better choice depends on your grocery spending and the specific merchants you shop at.

CIBC Aventura Visa for Students vs Scotiabank Scene+ Visa for Students — Which Is Better? | Churnr

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

Scotiabank Scene+ Visa for Students edges ahead by $110/yr

CIBC Aventura Visa for Students earns $26 more on groceries
$100 welcome bonus advantage

Groceries: +$26Bills & Utilities: +$14Shopping: +$13

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

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

Showing Year 1 analysis

Dollar Value

$237

/first year

0.6% effective$20/mo

vs 1% no-fee card: −$181

Annual rewards earned+$267

FX costs−$30

Annual fee−$0

Winner

$347

/first year

0.8% effective$29/mo

vs 1% no-fee card: −$71

Annual rewards earned+$277

Welcome bonus+$100

FX costs−$30

Annual fee−$0

Best for your spendingScotiabank Scene+ Visa for Students—$347Year 1 value

+$110 more than CIBC Aventura Visa for Students

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Downgrade

Coming soon

The Bottom Line

Scotiabank Scene+ Visa for Students edges ahead by $110/yr

CIBC Aventura Visa for Students earns $26 more on groceries
$100 welcome bonus advantage

Groceries: +$26Bills & Utilities: +$14Shopping: +$13

Showing Year 1 analysis

Year-over-Year

Year 1

Scotiabank Scene+ Visa for Students

by $110 — welcome bonus advantage

Year 2+

Too close to call

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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