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

The CIBC Aventura Visa earns 1x on groceries, while the Scotiabank Scene+ Business Visa earns 2x. The better choice depends on your grocery spending and the specific merchants you shop at.

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

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

Scotiabank Scene+ Business Visa wins by $377/yr — strongest in groceries

Scotiabank Scene+ Business Visa earns $196 more on groceries
Scotiabank Scene+ Business Visa earns $60 more on everything else

Groceries: +$196Everything Else: +$60Entertainment: +$27

CIBC Aventura Visa: Groceries cap limits earning — losing ~$68/yr above cap

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

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

Showing Year 1 analysis

Dollar Value

$158

/first year

0.4% effective$13/mo

vs 1% no-fee card: −$261

Annual rewards earned+$188

FX costs−$30

Annual fee−$0

Grocery cap reached at $6,000 — remaining $6,780 earns at base rate (losing ~$68 vs uncapped)

Total lost to caps: $68/yr across 1 category

Winner

$535

/first year

1.3% effective$45/mo

vs 1% no-fee card: +$116

Annual rewards earned+$565

FX costs−$30

Annual fee−$0

Best for your spendingScotiabank Scene+ Business Visa—$535Year 1 value

+$377 more than CIBC Aventura Visa

Scroll down for the full breakdown

Earn Rates by Category

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The Bottom Line

Scotiabank Scene+ Business Visa wins by $377/yr — strongest in groceries

Scotiabank Scene+ Business Visa earns $196 more on groceries
Scotiabank Scene+ Business Visa earns $60 more on everything else

Groceries: +$196Everything Else: +$60Entertainment: +$27

Showing Year 1 analysis

Scotiabank Scene+ Business Visa wins in both Year 1 and Year 2+ — consistent long-term value.

Things to Consider

CIBC Aventura Visa: Groceries cap limits earning — losing ~$68/yr above cap

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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