Which has the lower annual fee, CIBC Aventura Visa Infinite Privilege or Scotiabank Passport Visa Infinite Privilege?

The CIBC Aventura Visa Infinite Privilege has a $499 annual fee, while the Scotiabank Passport Visa Infinite Privilege charges $599/year.

Which card is better for groceries, CIBC Aventura Visa Infinite Privilege or Scotiabank Passport Visa Infinite Privilege?

The CIBC Aventura Visa Infinite Privilege earns 2x on groceries, while the Scotiabank Passport Visa Infinite Privilege earns 0.8x. The better choice depends on your grocery spending and the specific merchants you shop at.

Which card is better for international purchases?

The CIBC Aventura Visa Infinite Privilege has a 2.5% foreign transaction fee, while the Scotiabank Passport Visa Infinite Privilege has no foreign transaction fee. The card with no FX fee is better for international purchases.

CIBC Aventura Visa Infinite Privilege vs Scotiabank Passport Visa Infinite Privilege — Which Is Better? | Churnr

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

Scotiabank Passport Visa Infinite Privilege wins by $771/yr — strongest in groceries

CIBC Aventura Visa Infinite Privilege earns $153 more on groceries
CIBC Aventura Visa Infinite Privilege earns $43 more on gas
Saves $30/yr in foreign transaction fees
$1,000 welcome bonus advantage

Groceries: +$153Gas: +$43Travel: +$43

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

Showing Year 1 analysis

Dollar Value

$30

/first year

0.1% effective$2/mo

vs 1% no-fee card: −$389

Annual rewards earned+$559

FX costs−$30

Annual fee−$499

Winner

$801

/first year

1.9% effective$67/mo

vs 1% no-fee card: +$382

Annual rewards earned+$400

Welcome bonus+$1,000

FX costsNo FX fee

Annual fee−$599

Best for your spendingScotiabank Passport Visa Infinite Privilege—$801Year 1 value

+$771 more than CIBC Aventura Visa Infinite Privilege

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Earn Rates by Category

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The Bottom Line

Scotiabank Passport Visa Infinite Privilege wins by $771/yr — strongest in groceries

CIBC Aventura Visa Infinite Privilege earns $153 more on groceries
CIBC Aventura Visa Infinite Privilege earns $43 more on gas
Saves $30/yr in foreign transaction fees
$1,000 welcome bonus advantage

Groceries: +$153Gas: +$43Travel: +$43

Showing Year 1 analysis

Year-over-Year

Year 1

Scotiabank Passport Visa Infinite Privilege

by $771 — welcome bonus advantage

Year 2+

CIBC Aventura Visa Infinite Privilege

by $229 — ongoing earn advantage

Scotiabank Passport Visa Infinite Privilege wins Year 1 thanks to a better welcome bonus, but CIBC Aventura Visa Infinite Privilege earns more ongoing. Consider how long you plan to hold the card.

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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