CIBC Aventura® Gold Visa* Card
Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Total Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$0
Card Details
Annual Rewards
$325.65
Aventura rewards
First Year Bonus
$437.5
Aventura rewards
Annual Fee
$139
$0
First Year Waived
First Year Value
$763.15
$186.65 in years after
Interest Rates
Cash Advance: 22.99%, for Quebec 21.99%
Purchase: 20.99%
Annual Fee
$139
Annual Income
Personal: N/A
Household: $15,000
Credit Score
Very Good
Welcome Bonus
15,000 Aventura Points when you make your first purchase, and 20,000 Aventura Points when you spend $3,000 or more in net purchases in the first 4 monthly statement periods
Card Type
Reward: Points
Loyalty Program: CIBC Aventura
Our Rating
2.6/5
Institution
CIBC
Rewards
- 2 points per $1 spent on travel purchased through the CIBC Rewards Centre
- 1.5 points per $1 spent at eligible gas stations, electric vehicle charging stations, grocery stores and drug stores
- 1 point per $1 spent on all other purchases
CIBC Aventura® Gold Visa* Card Points Calculator
Based on average spending
Rewards Ranking
Rewards Breakdown
Groceries, Gas, Pharmacy
9,771 points
All other purchases
16,281 points
Annual Fee
- $139
Net Annual Rewards
26,052 points
Valued at $186.65 (after fees)
Rewards Summary
Net Annual Rewards
26,052 points
Valued at $186.65 (after fees)
Welcome Bonus
35,000 points
Valued at $437.5
First Year Value
61,052 points
Valued at $763.15
Point Redemptions
Redemptions Chart
Travel
$624.15
Financial products
$367.73
Gift Cards
$294.47
Merchandise
$294.47
Statement Credits
$239.52
Insurance & Benefits
Insurance
Coverage
Travel Accident
$500,000
Emergency Out of province Medical
15 days
Flight Delay
$500
Baggage Delay
$500
Lost or Stolen Baggage
$500
Hotel Burglary Insurance
$2,500
Purchase Protection
90 days
Extended Warranty
Up to a year.svg)
Car Rental Damage & Theft
up to car value of $65k
Mobile Device Insurance
$1,000
Benefits
Details
Gas Discount
save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations
Car Rental Discount
Get up to 25% off auto rentals at participating Avis and Budget locations worldwide.
Airport Lounge - Dragon Pass
Airport lounges Visa Airport Companion Program managed by DragonPass International + 4 Free complimentary visits
Nexus Application
Up to $100 statement credit for Nexus Application fee every 4 years
Pros & Cons
Pros
- High Rewards on Travel: Earn 2 points per $1 on travel booked through the CIBC Rewards Centre and 1.5 points per $1 on gas, groceries, EV charging, and drugstore purchases.
- Flexible Point Redemption: Points can be used for flights, merchandise, gift cards, and more, with airline redemptions offering up to 2.29 cents per point.
- Airport Lounge Access: Includes 4 complimentary visits to Visa Airport Companion lounges globally.
- NEXUS Application Fee Rebate: Offers a rebate on the NEXUS program application fee, making U.S. travel easier.
Cons
- Poor Non-Travel Rewards: Outside of the airline rewards chart, points have a lower value when redeemed for non-travel items like gift cards and merchandise.
- Annual Fee: $139 annual fee, which can be high if you're not fully utilizing the travel benefits.
- Limited Insurance: Includes only 10 types of insurance, fewer than some other premium travel cards.