Which has the lower annual fee, CIBC Aventura Visa for Students or Scotiabank Value Visa?

The CIBC Aventura Visa for Students has no annual fee, while the Scotiabank Value Visa charges $29/year.

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

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

CIBC Aventura Visa for Students vs Scotiabank Value 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 $296/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

Scotiabank Value 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

−$59

/first year

-0.1% effective$5/mo

vs 1% no-fee card: −$478

Annual rewards earned+$0

Welcome bonus+$0

FX costs−$30

Annual fee−$29

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

+$296 more than Scotiabank Value Visa

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The Bottom Line

CIBC Aventura Visa for Students wins by $296/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 Mar 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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