CIBC Aventura® Visa* Card Review

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The Bottom Line


The CIBC Aventura® Visa Card* offers a no-fee way to earn travel rewards with flexible redemption options. Its welcome bonus and points on everyday categories make it appealing for budget-conscious users. However, the limited insurance coverage and low base earn rate may not make it the best choice for those looking for higher rewards or comprehensive benefits.

Welcome Bonus

Up to 12,500 Aventura points

Rewards Rate

0.5x - 1x

Points

Annual Fee

$0

Interest Rates

20.99% / 22.99%□

RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660⁎
Good
725⁎
Very Good
760⁎
Excellent
⁎Estimates based on Equifax scoring

Rewards

  • 1 point per $1 spent on travel purchased through the CIBC Rewards Centre
  • 1 point per $1 spent at eligible gas stations, electric vehicle charging stations, grocery stores and drug stores (up to $6,000 spent combined per year)
  • 0.5 point per $1 spent on all other eligible purchases

Insurance

Coverage

  • heart lock

    Common Carrier Travel Accident Insurance

    $100,000
  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    Up to a year
  • car insurance

    Car Rental Damage & Theft

    up to car value of $65k

Benefits

Details

  • gas station

    Gas Discount

    save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations

Eligibility

  • Credit Score

    Good
  • Annual Income

    $15,000 household

Welcome Bonus Details


Earn up to 12,500 Aventura Points (up to $125 in travel value)†

  • 2,500 Aventura Points when you complete all five of these activities within 60 days of your CIBC Aventura® Visa* card account approval.†
  • An additional bonus of 10,000 Aventura points if you have at least $1,000 in net purchases posted to your account during the first 4 monthly statement periods.†

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

$0

Additional Cards

$50 (first year waived up to 3 cards)

Eligibility

Minimum Individual Income

N/A

Minimum Household Income

$15,000

Credit Score Estimate

Good

Type

Card Type

Credit

Reward Type

Points

Loyalty Program

CIBC Aventura

Pros & Cons


Pros

  • No annual fee
  • Rewards on everyday purchases
  • Fuel savings
  • Flexible redemptions

Cons

  • Limited insurance
  • Low base earn rate
CIBC Aventura® Visa* Card

CIBC Aventura® Visa* Card

2.3

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CIBC Aventura® Visa* Card Points Calculator

†You can qualify for this offer if you apply and are approved for a new CIBC Aventura® Visa* card beginning October 29, 2025.

If you apply and are approved for a new CIBC Aventura® Visa*, you can receive up to 12,500 Aventura Points:

a) Up to 2,500 bonus Aventura Points for completing the below activities within 60 days of your CIBC Aventura® Visa* account approval. The following activities are worth 500 Aventura Points each:

  1. Share your email address with CIBC.
  2. Sign up for eStatements for your new Aventura Visa* card. 
  3. Add an authorized user on your new Aventura Visa* card. 
  4. Hold any eligible CIBC Chequing Account. 
  5. Add your Aventura Visa card with Apple Pay® or Samsung Pay or Google Pay™. It may take up to two statement cycles for the bonus Aventura Points to appear on your credit card statement after each of the above activities have been completed.

You can provide us with your email address and sign up for eStatements through CIBC Online Banking, by visiting a branch or calling 1-800-465-4653. This offer is applicable to the first authorized user added only. Your authorized users will be issued the additional cards automatically when we get your request, as long as your credit card account is: a) still in good standing at that time, and b) your request does not exceed a total of 3 authorized users (counting any existing authorized users you may already have). Authorized users under the age of 13 can only be added by calling CIBC at 1-800-465-4653. You must hold any of the following CIBC Chequing accounts: CIBC Everyday® Chequing Account, CIBC Smart™ Account, CIBC SmartPlus® Account, CIBC US$ Personal Account, CIBC Personal Chequing Account, CIBC EverydayPlus® Chequing Account, CIBC Waive Account®, CIBC MenuPlus® — Maximize Interest Account, CIBC Chequing Savings Account. If you already have an existing eligible CIBC Chequing account or shared your email address with CIBC, you will be qualified to receive the 500 Aventura Points each. If you do not have an eligible account, you may apply at the CIBC Chequing Accounts page. Or you can call 1-866-525-8622. To learn more about the mobile payment options, visit the Ways to Pay.

b) An additional bonus of 10,000 Aventura Points if you have at least $1,000 in net purchases (posted to your account within the first 4 months of account opening) on the Credit Card Account.

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 Aventura Points are awarded. Aventura Points are awarded to you within 8 weeks after all qualifying purchase(s) are posted to your account. The following do not qualify as purchases: cash advances, CIBC Global Money 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.

The $125 value is based on the redemption value for 12,500 Aventura Points towards a Flexible Travel Reward purchase at a rate of 100 points = 1.00 CAD.