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

The Scotiabank GM Visa Infinite has a $99 annual fee, while the CIBC Aventura Visa Infinite charges $139/year.

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

The CIBC Aventura Visa Infinite earns 1.5x on groceries, while the Scotiabank GM Visa Infinite earns 5%. The better choice depends on your grocery spending and the specific merchants you shop at.

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

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

Scotiabank GM Visa Infinite wins by $216/yr — strongest in groceries

Scotiabank GM Visa Infinite earns $447 more on groceries
Scotiabank GM Visa Infinite earns $126 more on gas

Groceries: +$447Gas: +$126Bills & Utilities: +$96

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

Scotiabank GM Visa Infinite: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

$1,023

/first year

2.4% effective$85/mo

vs 1% no-fee card: +$604

Annual rewards earned+$453

Welcome bonus+$600

First-year fee waiver+$139

FX costs−$30

Annual fee−$139

Winner

$1,239

/first year

3.0% effective$103/mo

vs 1% no-fee card: +$820

Annual rewards earned+$1,368

FX costs−$30

Annual fee−$99

Best for your spendingScotiabank GM Visa Infinite—$1,239Year 1 value

+$216 more than CIBC Aventura Visa Infinite

Scroll down for the full breakdown

Earn Rates by Category

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The Bottom Line

Scotiabank GM Visa Infinite wins by $216/yr — strongest in groceries

Scotiabank GM Visa Infinite earns $447 more on groceries
Scotiabank GM Visa Infinite earns $126 more on gas

Groceries: +$447Gas: +$126Bills & Utilities: +$96

Showing Year 1 analysis

Scotiabank GM Visa Infinite 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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