
Card Details
Card Details
Info
Card Type | Credit |
Reward Type | Points |
Our Rating | 2.6/5 |
Institution | CIBC |
Loyalty Program |
Fees & Rates
Annual Fee | $139 (first year waived) |
Additional Card Fee | $50 (first year waived up to 3 cards) |
Interest Rates | Purchase: 20.99% Cash Advance: 22.99%□ Balance Transfer: 22.99% □ Cash advance rate for Quebec residents is 21.99% |
Eligibility
Credit Score Estimate | Very Good |
Annual Income | Personal: N/A Household: $15,000 |
Bonuses
Welcome Bonus | Up to 60,000 Aventura points |
Description | Get a total of up to 60,000 Aventura Points (up to $1,200 in value1 during your first year: 15,000 Aventura Points when you make your first purchase†, 30,000 Aventura Points when you spend $3,000 or more in net purchases in the first 4 monthly statement periods†, 15,000 Aventura Points if you have at least $5,000 in net purchases posted to your account in the first 4 monthly statement periods†. Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): up to $189 value†. |
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
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Legal
†This offer applies to the following eligible cards: CIBC Aventura® Visa Infinite* and CIBC Aventura® Gold Visa* Card. You can qualify for this offer if you apply and are approved for a new eligible card between July 8, 2025 and August 19, 2025.
If you apply and are approved for a new eligible card, you can receive:
i. A welcome bonus of 15,000 Aventura Points when you make your first purchase.
ii. An additional bonus of 30,000 Aventura Points if you have at least $3,000 in net purchases posted to your account during the first 4 monthly statement periods.
iii. An additional bonus of 15,000 Aventura points if you have at least $5,000 in net purchases posted to your account during the first 4 monthly statement periods.
A one-time annual fee rebate for you — the primary cardholder — and up to 3 authorized users added at the time of the application. This offer does not apply to annual fees for authorized users that are added after you submit your application. This offer applies for the first year only. If your application for an eligible card is not approved, you may be considered for another card, as disclosed in your credit card application. If you are approved for that card, this annual fee rebReceive one (1) statement credit up to a maximum value of $1200 CA when NEXUS application fee is charged to an eligible card, regardless of NEXUS application approval.ate offer will apply in the amount of the annual fee, if any, of the alternate card. If you qualify, the rebate will be awarded to you and will appear as a credit against the applicable annual fee(s) within two statements. Your new credit card account must be open and in good standing at the time the rebate is awarded.
Offer applies to newly approved card accounts only. Transfers and product changes from other CIBC credit cards are excluded from this offer. Card account must be open and in good standing at the time the bonus Aventura Points are awarded. Aventura Points are awarded to you within 8 weeks after all qualifying purchase(s) are posted to your account. For this offer, the following do not qualify as purchases: cash advances, CIBC Global Money Transfers™, balance transfers, CIBC Convenience Cheques, fees, interest, Aventura Points redemptions and payments. It may take up to several business days for purchases to be posted to your account. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion.
Receive one (1) statement credit up to a maximum value of $200 CA when NEXUS application fee is charged to an eligible card, regardless of NEXUS application approval.
Limit one (1) statement credit every 4 years. You must use your eligible card to pay the NEXUS application fee. In order to be eligible for the statement credit, cardholders must be in good standing at the time the application fee is charged. CIBC has no control over the NEXUS program including, but not limited to, application approval process, enrollment, or fees charged. NEXUS eligibility requirements are determined by the Canada Border Service Agency (CBSA) and the U.S. Customs and Border Protection (US CBP), and can be found on their website.
A NEXUS◊ application fee valued at $120 US.
Effective October 1, 2024, the NEXUS application fee has increased to $120 US. You will receive a rebate of up to $200 CA for your NEXUS application fee once every 4 years. Approximate rebate value of $160 CA (foreign exchange rate of 1.36 USD as of July 15, 2024).
1The $1,200 in value is based on the maximum redemption value for 20,000 Aventura Points on three short-haul economy class airfare purchases, based on the Aventura Airline Rewards Chart at CIBC Rewards, before taxes and other charges.
To obtain an Airline Travel Reward using the Aventura Airline Rewards Chart, you must redeem at least 80% of the total number of Aventura Points required to purchase it. If you don’t have enough Aventura Points to purchase an Airline Travel Reward in full (but have at least 80% of the required number of Aventura Points), you may have the Centre charge an amount to your Card to cover the Points Deficit, excluding Taxes and Other Charges. For a business class flight, you may have the Centre charge an amount to your Card to cover the Points Deficit for an economy class ticket in the same flight segment as the business class ticket you want, excluding Taxes and Other Charges. If you have the Centre charge an amount to your Card to cover the Points Deficit for an Airline Travel Reward and you are advised that the Aventura Travel Reward is refundable, then, in the event of a refund, the amount previously charged to your Card will not be refunded to your Credit Card Account and instead you will receive Aventura Points equal to the Points Deficit.
For full details, review the maximum ticket prices and Aventura Flight Rewards Chart at the CIBC Rewards Centre. Some airlines may impose fees, restrictions or other conditions on air travel. Aventura Points will be cancelled if they remain unredeemed for 60 days after you voluntarily close your Aventura credit card account or within 12 months of the primary cardholder’s death.
2Primary Cardholders have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by Dragonpass International Ltd. Cardholders must enroll for this benefit either through the Visa Airport Companion App (available to download for free) or on the Program Website. using a valid Card. Upon enrollment, 4 complimentary lounge visits will be available for the Primary Cardholder per membership year; the complimentary visits can be used by the Cardholder for themselves and for their accompanying guests at participating lounges. All additional visits beyond the complimentary visits are subject to a fee of $35 USD (subject to change) per person per visit charged by the Program. Applicable lounge access fees will be billed to the CIBC Card connected to the Cardholders’ Program membership. Unless suspended or cancelled, the Program’s membership automatically renews on its anniversary date. The Program membership may be suspended if your CIBC Card is cancelled or no longer in good standing. To view a full list of participating airport lounges, their facilities, the current lounge access fee, opening times and restrictions, Cardholders can visit the Program App and Website. (visaairportcompanion.ca) for more information. Cardholders who participate in the Program are subject to the DragonPass Terms of Use, Terms of Service and Privacy Policy and Visa’s Privacy Notice. To view the full Terms and Conditions for the Program, please visit the Program App or Website. The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor CIBC is responsible for any claims or damages arising from participation in the Program.
The yearly value of up to $277 CA (foreign exchange rate of 1.36 US as of July 15, 2024) for Visa Airport Companion Program (hosted and managed by Dragonpass International Ltd. (“DragonPass”)is based on the comparable cost of direct enrolment for DragonPass membership, which costs $99 US and includes one free airport lounge visit worth $35 US every year and the cost of additional 3 paid visits costing $35 US per person per visit. The fees used for the calculation of yearly value are as of July 15, 2024and may change from time to time.