Which card is better for groceries, CIBC Aventura Visa or TD Rewards Visa?

The CIBC Aventura Visa earns 1x on groceries, while the TD Rewards Visa earns 1.5x. The better choice depends on your grocery spending and the specific merchants you shop at.

CIBC Aventura Visa vs TD Rewards Visa — Which Is Better? | Churnr

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

TD Rewards Visa edges ahead by $147/yr

TD Rewards Visa earns $93 more on groceries
TD Rewards Visa earns $26 more on travel

Groceries: +$93Travel: +$26Dining & Restaurants: +$23

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

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

TD Rewards 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

$305

/first year

0.7% effective$25/mo

vs 1% no-fee card: −$114

Annual rewards earned+$335

FX costs−$30

Annual fee−$0

Best for your spendingTD Rewards Visa—$305Year 1 value

+$147 more than CIBC Aventura Visa

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Neither card currently offers a welcome bonus.

Downgrade

Coming soon

The Bottom Line

TD Rewards Visa edges ahead by $147/yr

TD Rewards Visa earns $93 more on groceries
TD Rewards Visa earns $26 more on travel

Groceries: +$93Travel: +$26Dining & Restaurants: +$23

Showing Year 1 analysis

TD Rewards 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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