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

The CIBC Select Visa earns 0% on groceries, while the Scotiabank Scene+ Visa earns 0.8x. The better choice depends on your grocery spending and the specific merchants you shop at.

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

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

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

Scotiabank Scene+ Visa earns $102 more on groceries
Scotiabank Scene+ Visa earns $38 more on bills & utilities
$100 welcome bonus advantage

Groceries: +$102Bills & Utilities: +$38Shopping: +$34

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

Scotiabank Scene+ Visa: $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: −$449

Annual rewards earned+$0

FX costs−$30

Annual fee−$0

Winner

$347

/first year

0.8% effective$29/mo

vs 1% no-fee card: −$71

Annual rewards earned+$277

Welcome bonus+$100

FX costs−$30

Annual fee−$0

Best for your spendingScotiabank Scene+ Visa—$347Year 1 value

+$377 more than CIBC Select Visa

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The Bottom Line

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

Scotiabank Scene+ Visa earns $102 more on groceries
Scotiabank Scene+ Visa earns $38 more on bills & utilities
$100 welcome bonus advantage

Groceries: +$102Bills & Utilities: +$38Shopping: +$34

Showing Year 1 analysis

Scotiabank Scene+ Visa 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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CIBC Select Visa

Scotiabank Scene+ Visa

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

Dollar Value

Show calculation breakdown

Show calculation breakdown

Earn Rates by Category

Merchant Reality Check

Wallet Optimizer

Welcome Bonus

Fees & Foreign Exchange

Insurance & Benefits

Eligibility

The Bottom Line

Data Sources

CIBC Select Visa

Scotiabank Scene+ Visa

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

Dollar Value

Show calculation breakdown

Show calculation breakdown

Earn Rates by Category

Merchant Reality Check

Wallet Optimizer

Welcome Bonus

Fees & Foreign Exchange

Insurance & Benefits

Eligibility

The Bottom Line

Data Sources