Tired of guessing what the value of 1M CIBC Aventura points is? FinlyWealth's point calculator tool can estimate the value of your points when redeemed through various options in Canada.
Loyalty Program
Number of Points
Points
Redemption Options
★BEST VALUE
Travel
1,000,000 CIBC Aventura points are worth $10,000 on average using the most optimal redemption
$10,000
1¢/point
Financial Products
1,000,000 CIBC Aventura points are worth $8,300 on average if redeemed for Financial Products
$8,300
0.83¢/point
Gift Cards
1,000,000 CIBC Aventura points are worth $7,100 on average if redeemed for Gift Cards
$7,100
0.71¢/point
Merchandise
1,000,000 CIBC Aventura points are worth $7,100 on average if redeemed for Merchandise
$7,100
0.71¢/point
Statement Credits (Cash)
1,000,000 CIBC Aventura points are worth $6,200 on average if redeemed for Statement Credits (Cash)
The CIBC Aventura Rewards Program is tailored primarily to travellers and strategic spenders, with its top two redemption categories being travel and financial products.
Below, we'll break down each redemption category in detail so you know exactly where your points are going and how to spend them wisely.
How do You Earn CIBC Aventura Points? 🏆
The best way to start collecting CIBC Aventura points is to apply and get approved for a CIBC Aventura credit card.
In the following table, we've compared your top options in this category:
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 Included
13 types
Common Carrier Travel Accident Insurance
$500,000
Travel Medical Insurance
31 days
Travel Medical Insurance (65+)
10 days
Flight Delay
$500
Baggage Delay
$500
Trip Cancellation
$2,500
Trip Interruption
$5,000
Lost or Stolen Baggage
$1,000
Hotel Burglary Insurance
$2,500
Purchase Protection
180 days
Extended Warranty
Up to 2 years
Car Rental Damage & Theft
up to car value of $65k
Mobile Device Insurance
$1,500
13 types
Common Carrier Travel Accident Insurance
$500,000
Travel Medical Insurance
15 days
Travel Medical Insurance (65+)
3 days
Flight Delay
$500
Baggage Delay
$500
Trip Cancellation
$1,500
Trip Interruption
$2,000
Lost or Stolen Baggage
$500
Hotel Burglary Insurance
$2,500
Purchase Protection
90 days
Extended Warranty
Up to a year
Car Rental Damage & Theft
up to car value of $65k
Mobile Device Insurance
$1,000
4 types
Common Carrier Travel Accident Insurance
$100,000
Purchase Protection
90 days
Extended Warranty
Up to a year
Car Rental Damage & Theft
up to car value of $65k
Benefits
6 benefits
Airport Lounge - Dragon Pass
Airport lounges Visa Airport Companion Program managed by DragonPass International + 6 Free complimentary visits
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.
Nexus Program Rebate
Up to $100 statement credit for Nexus Application fee every 4 years
Visa Infinite Exclusive Benefits
Exclusive offers
Travel Credit
Annual $200 travel credit to use at the CIBC Rewards Center
5 benefits
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
Visa Infinite Exclusive Benefits
Exclusive offers
1 benefit
Gas Discount
save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations
The CIBC Aventura Visa Infinite Privilege Card offers a well-rounded suite of travel benefits, making it ideal for frequent travelers. The annual $200 travel credit, complimentary lounge access, and comprehensive insurance package ensure you’re covered for both convenience and protection. Plus, the ability to earn up to 3 points per dollar spent and redeem them at high values for flights makes this card an excellent choice for those who value travel rewards. However, it comes with a high annual fee and income requirements, so it's best suited for those who can fully take advantage of its perks.
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.
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
Insurance
Coverage
Common Carrier Travel Accident Insurance
$500,000
Travel Medical Insurance
31 days
Travel Medical Insurance (65+)
10 days
Flight Delay
$500
Baggage Delay
$500
Trip Cancellation
$2,500
Trip Interruption
$5,000
Lost or Stolen Baggage
$1,000
Hotel Burglary Insurance
$2,500
Purchase Protection
180 days
Extended Warranty
Up to 2 years
Car Rental Damage & Theft
up to car value of $65k
Mobile Device Insurance
$1,500
Benefits
Details
Airport Lounge - Dragon Pass
Airport lounges Visa Airport Companion Program managed by DragonPass International + 6 Free complimentary visits
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.
Nexus Program Rebate
Up to $100 statement credit for Nexus Application fee every 4 years
Visa Infinite Exclusive Benefits
Exclusive offers
Travel Credit
Annual $200 travel credit to use at the CIBC Rewards Center
Eligibility
Credit Score
Very Good
Annual Income
$150,000 personal or $200,000 household
The CIBC Aventura Visa Infinite Card boasts a high annual fee, but earns cardholders solid points on travel purchases made through the CIBC Rewards Center, dining, entertainment, gas, transportation, and groceries (capped per year). To top it off, the card features some general welcome bonuses when minimum spending requirements are met, not to mention an additional anniversary bonus when you hit certain spending goals.
As far as benefits go, expect an airport lounge Dragon Pass membership, plus a handful of complimentary visits. You'll also pocket gas discounts, car rental discounts, a Nexus Program rebate, an annual travel credit (applicable towards CIBC Rewards Center purchases), and Visa Infinite Exclusive Benefits.
In addition to the high annual fee, applicants are also subject to high annual income requirements.
Overall, this CIBC Aventura contender is best suited for luxury travellers with a high income.
The CIBC Aventura® Visa Infinite Card* offers significant value for travelers with its high rewards on travel spending and flexible point redemptions, especially when used for flights. However, the high income requirements and limited value outside of travel redemptions may be drawbacks for some users. The extensive insurance coverage and airport lounge access make this card attractive for frequent travelers.
Pros
Generous Welcome Bonus: Earn up to 45,000 Aventura points, which can be worth up to $1,031 in travel value.
High Points 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 drugstores.
Flexible Redemption: Points can be redeemed for flights, travel, gift cards, merchandise, and more, with the best value coming from the Aventura Flight Chart, where points can be worth up to 2.29 cents each.
Complimentary Airport Lounge Access: Includes 4 free passes to Visa Airport Companion lounges globally.
Comprehensive Insurance: 12 types of insurance, including trip cancellation, mobile device protection, and emergency medical coverage.
Cons
High Income Requirements: Requires a personal income of $60,000 or household income of $100,000.
Poor Rewards Outside Travel: If you redeem points for non-travel rewards, like gift cards or merchandise, the value drops to about 1 cent per point, making other cards better for non-travel rewards.
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
Common Carrier Travel Accident Insurance
$500,000
Travel Medical Insurance
15 days
Travel Medical Insurance (65+)
3 days
Flight Delay
$500
Baggage Delay
$500
Trip Cancellation
$1,500
Trip Interruption
$2,000
Lost or Stolen Baggage
$500
Hotel Burglary Insurance
$2,500
Purchase Protection
90 days
Extended Warranty
Up to a year
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 Program Rebate
Up to $100 statement credit for Nexus Application fee every 4 years
Visa Infinite Exclusive Benefits
Exclusive offers
Eligibility
Credit Score
Good
Annual Income
$60,000 personal or $100,000 household
Let's say you want to save a little on annual fees and you don't make quite enough to qualify for the CIBC Aventura Visa Infinite Privilege Card. In that case, opt for the CIBC Aventura Visa Infinite Card instead.
With this alternative, you'll earn a decent amount of points per dollar spent on travel purchased via the CIBC Rewards Centre, plus some points on gas, electric vehicle charging, groceries, and drug store purchases.
The coverage on this card is comparable to the CIBC Aventura Visa Infinite Privilege Card, since both contenders sport the same categories, but the Privilege card includes better overall coverage within many shared categories.
The benefits between these cards are also almost identical, except the CIBC Aventura Visa Infinite Card lacks an annual travel credit.
Ultimately, if you want better point-potential, coverage, and benefits, you should stick with the CIBC Aventura Visa Infinite Privilege Card. However, if you don't want to splurge on an annual fee or you don't meet this premium contender's high annual income requirements, the CIBC Aventura Visa Infinite Card is a good alternative.
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.
Pros
No Annual Fee: A great perk, especially for a travel rewards card.
Rewards on Everyday Purchases: Earn 1 point per $1 on travel, groceries, gas, EV charging, and drugstores, and 1 point per $2 on all other purchases.
Fuel Savings: Save up to 10 cents per litre at Journie Rewards gas stations.
Flexible Redemption: Points can be redeemed for travel, merchandise, gift cards, or as statement credits.
Cons
Limited Insurance: Includes only basic coverage (e.g., travel accident and purchase protection).
Low Base Earn Rate: You only earn 1 point per $2 spent on most purchases, which is lower than many competing cards.
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
Common Carrier Travel Accident Insurance
$100,000
Purchase Protection
90 days
Extended Warranty
Up to a year
Car Rental Damage & Theft
up to car value of $65k
Benefits
Details
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
If you want to avoid annual fees altogether, the CIBC Aventura Visa Card is a great option for this loyalty program. The card also offers low annual income requirements, making it much more accessible.
Still, no-fee cards often come with fewer perks and point-potential. For example, the CIBC Aventura Visa Card earns you fewer points on travel purchases through the CIBC Rewards Centre, gas, electric vehicle charging, groceries, and drug store purchases.
The coverage is also minimal by comparison, offering only purchase protection insurance, extended warranty insurance, car rental damage and theft insurance, and travel accident insurance.
The benefits are even less extensive, providing only gas discounts at participating Pioneer, Fas Gas, Ultramar, and Chevron gas stations.
All things considered, the CIBC Aventura Visa Card is the most budget-friendly option out of the three CIBC Aventura Cards mentioned in this breakdown. If you want better rewards, coverage, and perks, pick one of the Visa Infinite Cards instead (if you qualify).
How do You Redeem Your CIBC Aventura Points? 🤑
Once you've collected your CIBC Aventura points, you'll want to start thinking about how you want to spend them.
The value of your CIBC Aventura points vary by redemption category.
In the following table, we've dissected and ranked each redemption category from most valuable to least valuable.
Use points to purchase gift cards from various brands, including:
Air Canada
Amazon.ca
Apple
Best Buy and more
0.71 cpp
Merchandise
You can also pay for select merchandise using your CIBC Aventura points at a similar cent-per-point rate as gift cards. Eligible products include:
electronics
home goods
fashion and more
0.71 cpp
Statement Credit (Cash)
Your points can also cover your Aventura credit card balance
0.62 cpp
Here's a closer look at each redemption category:
There are several different ways you can redeem your CIBC Aventura points towards travel.
As mentioned, you can put your points towards:
flights
hotel stays
car rentals
vacation packages
experiences
To secure a booking, use for the Shopping with Points feature to apply Aventura points towards an eligible pending expense.
To do so:
Login to CIBC Online Banking or CIBC Mobile Banking
Visit your Credit Card Account Details page
Choose an eligible pending transaction
Tap "Redeem with Points"
Perhaps financial products are your redemption category of choice. This category also comes with tons of options at the second highest cent-per-point value, including:
Effectively, 12,000 Aventura points covers a $100 payment or contribution into an active financial product.
To make this payment or contribution:
Login to CIBC Online Banking
Tap the "Payment with points" link on the Account Details page
Input your information and select your redemption method
You'll also find a "Gift Cards" tab on the CIBC Rewards site.
Once you click on this box, you'll be redirected to the site's gift card catalogue, stocked with several brands and retailers, including gas stations, cinemas, airlines, and storefronts.
Specifically, you can expect brands like:
Air Canada
Amazon
Apple
Best Buy and more
Note that the amount of points your need will vary by card value.
Similar to gift cards, you can also redeem points towards eligible merchandise through the CIBC Rewards site. These items are listed in the site's Rewards catalog, but prices and point requirements my vary by product.
Expect products in categories like electronics, home goods, fashion, kids, fitness equipment, and more.
As a last resort (based on its lowest cent-per-point value), you can use your CIBC Aventura points to pay off your Aventura credit card balance.
Redemption requirements begin at 4,000 points for a $25 contribution.
To make your payment, simply:
Login to CIBC Online Banking
Choose the "Payment with points" link on the Account Details page
Provide your information and select your redemption method
What's The Best Way to Redeem Your CIBC Aventura Points?
The best way to get the most value out of your CIBC Aventura points is to put your points towards eligible travel bookings.
That said, you can also get decent value out of contributing points to an eligible financial product.
Are CIBC Aventura Points Worth It?
Based on the conclusion above, CIBC Aventura points are worth it for both travellers and the financially savvy.
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