Which card is better for groceries, CIBC Select Visa or Visa Reward Me?

The CIBC Select Visa earns 0% on groceries, while the Visa Reward Me earns 1x. The better choice depends on your grocery spending and the specific merchants you shop at.

CIBC Select Visa vs Visa Reward Me — Which Is Better? | Churnr

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

Visa Reward Me wins by $279/yr — strongest in groceries

Visa Reward Me earns $128 more on groceries
Visa Reward Me earns $48 more on bills & utilities

Groceries: +$128Bills & Utilities: +$48Gas: +$36

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

Visa Reward Me: $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

$249

/first year

0.6% effective$21/mo

vs 1% no-fee card: −$169

Annual rewards earned+$279

FX costs−$30

Annual fee−$0

Best for your spendingVisa Reward Me—$249Year 1 value

+$279 more than CIBC Select Visa

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Earn Rates by Category

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The Bottom Line

Visa Reward Me wins by $279/yr — strongest in groceries

Visa Reward Me earns $128 more on groceries
Visa Reward Me earns $48 more on bills & utilities

Groceries: +$128Bills & Utilities: +$48Gas: +$36

Showing Year 1 analysis

Visa Reward Me 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

Visa Reward Me

Visa Reward Me wins by $279/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

Visa Reward Me

Visa Reward Me wins by $279/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