Working hard in the background...
CIBC Aventura® Gold Visa* Card Review
The Bottom Line
The CIBC Aventura® Gold Visa Card* is an excellent choice for travelers who want a flexible rewards program with good travel perks and easy point redemptions for flights. However, the lower point value outside of travel redemptions and the annual fee may be drawbacks for those not focused on maximizing travel rewards.
APPLY NOW
on CIBC's website
Welcome Bonus
Up to 60,000 Aventura points
Rewards Rate
1x - 2x points
Points
Annual Fee
$139 $0
Interest Rates
20.99% / 22.99%□
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
Insurance
Coverage
Travel Accident
$500,000
Emergency Out of province Medical
15 days
Flight Delay
$500Baggage 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
.svg)
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 Program Rebate
Up to $100 statement credit for Nexus Application fee every 4 years
Eligibility
Credit Score
Very GoodAnnual Income
$15,000 household
Card Details
Interest Rates
Purchase APR
20.99%
Cash Advance APR
22.99%□
Balance Transfer APR
22.99%
□ Cash advance rate for Quebec residents is 21.99%
Fees
Annual Fee
$139
Additional Cards
$50 (first year waived up to 3 cards)
Eligibility
Minimum Individual Income
N/A
Minimum Household Income
$15,000
Credit Score Estimate
Very Good
Type
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.
Get personalized rewards estimates — see exactly how much you could earn.
CIBC Aventura® Gold Visa* Card Points Calculator
APPLY NOW
on CIBC's website