Rewards Calculator Algorithm
You can estimate your rewards by inputting your monthly or yearly spending habits.
Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$2,000
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Card Details
Based on $2,000 spending
First Year Value
$376.86
-$123.14 in years after
Annual Rewards
$375.86
CIBC Aventura
First Year Bonus
$500
CIBC Aventura
Annual Fee
$499
First Year Value
$376.86
-$123.14 in years after
Interest Rates
Cash Advance: 22.99%, for Quebec 21.99%
Purchase: 20.99%
Balance Transfer: 22.99%
Annual Fee
$499
Annual Income
Personal: $150,000
Household: $200,000
Credit Score
Very Good
Welcome Bonus
25,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods, 25,000 Aventura Points when you spend $6,000 or more in the first 4 monthly statement periods, 30,000 Aventura Points as an additional anniversary bonus when you have at least $25,000 in net eligible purchases posted on your account during the first 12 monthly statement periods
Card Type
Category: Points
Loyalty Program: CIBC Aventura
Our Rating
3/5
Institution
CIBC
Rewards
- 3 points per $1 spent on travel purchased through the CIBC Rewards Centre
- 2 points per $1 spent on dining, entertainment, gas, transportation, and groceries if they are in the first $200k transactions of the year
- 1 point per $1 spent on all other purchases
CIBC Aventura® Visa Infinite Privilege* Card Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
All categories with bonus points
23,384 points
All other purchases
14,201 points
Annual Fee
- $499
Net Annual Rewards
37,585 points
Valued at -$123.14 (after fees)
Rewards Summary
Net Annual Rewards
37,585 points
Valued at -$123.14 (after fees)
First Year Card Bonus
50,000 points
Valued at $500
First Year Card Value
87,585 points
Valued at $376.86
Point Redemptions
Redemptions Chart
Travel
$376.86
Financial products
$227.96
Gift Cards
$122.86
Merchandise
$122.86
Statement Credits
$44.03
Insurance & Benefits
Insurance
Coverage
Travel Accident
$500,000Emergency Out of province Medical
31 daysEmergency Medical Over 65
10 daysFlight Delay
$500Baggage Delay
$500Trip Cancellation
$2,500Trip Interruption
$5,000Lost or Stolen Baggage
$1,000Hotel Burglary Insurance
$2,500Purchase Protection
180 daysExtended Warranty
Up to 2 yearsCar Rental Damage & Theft
up to car value of $65kMobile Device Insurance
$1,500
Benefits
Details
Airport Lounge - Dragon Pass
Airport lounges Visa Airport Companion Program managed by DragonPass International + 6 Free complimentary visitsGas Discount
save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stationsCar Rental Discount
Get up to 25% off auto rentals at participating Avis and Budget locations worldwide.Nexus Program Rebate
Up to $100 statement credit for Nexus Application fee every 4 yearsVisa Infinite Exclusive Benefits
Exclusive offersTravel Credit
Annual $200 travel credit to use at the CIBC Rewards Center
Pros & Cons
Pros
- Generous rewards: Earn up to 3 points per $1 spent on travel and 2 points per $1 on gas, groceries, restaurants, and more.
- Valuable travel perks: Includes an annual $200 travel credit, 6 complimentary airport lounge passes, and discounts at Avis and Budget car rentals.
- High point value: Points are worth up to 2.29 cents each when redeemed for flights.
- Comprehensive insurance: Offers 12 types of insurance, including mobile device protection and emergency medical coverage.
Cons
- High annual fee: A $499 annual fee makes this a more expensive option.
- Strict income requirements: Requires a personal income of $150,000 or household income of $200,000 to qualify.