CIBC Aventura® Visa* Card review
Apr 28, 2025
While we adhere to strict editorial guidelines, partners on this page may provide us earnings.
Overall rating
First year value
$430
Get this card if you:
- want to earn Aventura points with no annual fee
- value travel perks, including comprehensive travel insurance
- value a great welcome offer
Scores by category
No Annual Fee 3.7
Rewards 3.1
Travel 2.9
Welcome Bonus 1.4
At a glance
The CIBC Aventura® Visa* Card is a no-annual-fee credit card that allows cardholders to earn Aventura Points on everyday purchases, with accelerated rates for eligible travel booked through the CIBC Rewards Centre, as well as at gas stations, EV charging stations, grocery stores, and drug stores. It also comes with benefits such as purchase security and extended protection.
Highlights
$430
First year value
up to 10,000 points
Welcome bonus
$0
Annual fee
No annual fee
Interest Rates
20.99%
Purchase APR
22.99%
Balance transfer APR
22.99%
Cash advance APR
Eligibility
Good
Recommended credit score
$15,000
Required annual household income
Quick overview of the CIBC Aventura® Visa* Card
Are you looking for a travel credit card with no annual fee with some handy perks and easy to earn rewards? The CIBC Aventura® Visa* Card offers new cardholders the opportunity to earn up to 10,000 points. No annual fee makes this even sweeter, then add some travel benefits, and the ability to earn rewards on all purchases, and you have yourself a pretty decent travel credit card.
Who's it the CIBC Aventura® Visa* Card for?
- Perfect for passionate travellers looking to earn rewards on everyday purchases
- Ideal for those who want to redeem points for travel experiences
- Great for budget-conscious consumers seeking a no-annual-fee travel rewards card
- Suited for families who want to add up to three additional cardholders at no extra cost
- Good fit for those beginning to build their travel rewards portfolio without financial commitment
- Designed for shoppers who want to earn points on regular spending and convert them to travel benefits
- Appropriate for occasional travelers who want to gradually accumulate travel rewards through everyday purchases
Pros and cons
Pros
- Easy to earn welcome bonus
- Points can be earned on all purchases
- Use Aventura Points to cover full airfare including taxes and fees
- Can book with any airline with no blackout periods and points don’t expire†
Cons
- Lower earn rate than some other travel cards on the market
CIBC Aventura® Visa* Card welcome offer
The CIBC Aventura® Visa* Card comes with a very straightforward sign-up bonus for new accounts:
- Earn up to 10,000 Aventura Points† for no annual fee.
How to earn rewards with the CIBC Aventura® Visa* Card
The welcome bonus is a great perk, but CIBC Aventura® Visa* Card cardholders can easily earn points on a daily basis based on the following structure:
- 1 point on travel through the CIBC Rewards Centre†
-
1 point on gas, EV charging, groceries and drug stores†
-
1 point for every $2 spent on all other purchases†
All you have to do is shop with your card and, for those who are wondering, no your points won’t expire† as long as you are a cardholder. Each point is worth about $0.0116, however the value changes based on how you choose to redeem each point.
How to redeem rewards with the CIBC Aventura® Visa* Card
When it comes time to redeem your rewards, you can do so easily online. Rewards can be redeemed in a number of different ways:
- Travel: flights, hotels, car rentals and more†
- Shopping: redeem for merchandise or gift cards through the CIBC Rewards online catalog†
- Points that pay the bills: your points can be used to pay down your credit card balance or credit card purchases moments after you make them.†
As a general rule of thumb, your points go the furthest when redeemed for travel, especially since with this card you can fly on any airline with no consideration for blackout periods.
To redeem for travel or merchandise, you’ll have to log into your CIBC Rewards account or call the CIBC Rewards Centre. If you want to use your points towards a flight through the Aventura® Airline Rewards Chart, you will need to have at least 80% of the required points. You can use your points to fly with any airline with no blackout periods. Also, it’s worth mentioning that your points can be used to cover taxes and fees on flight tickets which is not common with most travel credit cards
| Destination | Aventura points needed | Max ticket price |
|---|---|---|
| Canada and U.S. (short haul) Within a province, territory or U.S. state or to an adjoining province or territory or US state. | 10,000 - 20,000 | $400 |
| Canada and U.S. (long haul) From and to any location in Canada or the U.S. | 25,000 - 35,000 | $800 |
| Mexico, Alaska, Hawaii, Central America, Caribbean | 40,000 - 60,000 | $1,000 |
| From Canada or U.S. to select destinations in Europe | 50,000 - 70,000 | $1,300 |
| From Canada or U.S. to select destinations in Africa, Asia, Australia, New Zealand, South Pacific, Middle East or South America | 75,000 - 125,000 | $2,000 |
If you would prefer to redeem your points towards your statement balance you can do this through your CIBC online banking account. Just click ‘payment with points’.
Key benefits of the Aventura Visa Card from CIBC
- No annual fee for the primary cardholder
- $0 for up to 3 additional cardholders
- Low minimum annual household income requirement of $15,000
- Earn 1 point on travel through the CIBC Rewards Centre†
- $100,000 in travel accident insurance coverage
- $65,000 in rental car coverage when using the CIBC Aventura® Visa* Card to book a rental vehicle
- Flexible travel redemption options for flights, car rentals, hotels, vacation packages and more
- Personalized travel booking assistance
CIBC Aventura® Visa* Card insurance coverage
| Insurance | Coverage amount |
|---|---|
| Extended warranty | Any item that comes with a manufacturer's warranty automatically gets an additional 1 year of warranty |
| Purchase protection | Items you charge to the card are protected from loss, damages and theft for up to 90 days |
| Out-of-province emergency travel medical insurance | Those 64 or under are eligible for up to $5 million in coverage. |
| common carrier travel/accident | Up to $100,000 coverage for loss of life or limb in a passenger vehicle/plane/ferry. |
| Auto rental collision and loss damage insurance | This policy covers rental vehicles with an MSRP up to $65,000 for up to a 48-day rental period. |
On top of the main benefits listed above, this card also comes with a few additional perks, including the following:
- Contactless payment technology
- Aventura mobile app access (available in both the Google Play Store and the Apple App Store)
- Online account management through CIBC Mobile Banking app
- Access to CIBC Pace It™ installment plans for larger purchases
- Aventura Travel Assistant, which tailors travel bookings to your needs, with no booking fees†
How does the CIBC Aventura® Visa* Card compare?
Let's see how the CIBC Aventura® Visa* Card compares to its competitors.
If you frequently fly with Air Canada and are looking for a great travel rewards credit card, you can consider the TD Aeroplan Visa Infinite card. This card helps you earn enhanced 1.5 points† for every $1 spent on eligible gas, electric vehicle charging, grocery and direct through Air Canada® purchases (including Air Canada Vacations®). You earn 1 Aeroplan point on all other purchases†. You also get great comprehensive insurance benefits, including travel interruption, baggage protection, mobile device coverage, and more. These benefits are in addition to other great perks, such as the free 1st checked bag for up to 8 guests on the same itinerary, Visa Infinite privileges and NEXUS security fast pass credits.
However, while the CIBC Aventura offers similar insurance benefits with no annual fee, the TD® Aeroplan® Visa Infinite* Card, which has an annual fee of $139 (21.99% purchase interest; 22.99% cash advance interest), offers an annual fee rebate for the first year†.
Disclosures:
- To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while this offer is in effect.
up to 40,000 pts†
Welcome Bonus
$486
First Year Value
$0
Annual Value
Welcome Bonus: Up to $1,350 in value† including up to 40,000 Aeroplan points† could be yours. Plus, receive an annual fee rebate for the first year† and additional travel benefits. Conditions Apply.
Get this card if you...
- want to quickly rack up Aeroplan points
- need comprehensive travel insurance benefits
- value a great welcome offer
Annual Fee & Annual Interest Rates
$139
Annual Fee
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The TD® Aeroplan® Visa Infinite* Card is a travel rewards credit card designed for frequent Air Canada travelers, offering elevated Aeroplan points on eligible gas, grocery, travel, and dining purchases. Cardholders benefit from perks such as a NEXUS application fee rebate†, a complimentary first checked bag for the primary cardholder and up to eight companions on Air Canada flights†, and access to select airport lounges†; however, the card carries an annual fee and requires a minimum personal or household income for eligibility.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- The card has a high earn rate for Aeroplan Points, generating 1.5 points† per $1 spent on eligible purchases.
- Insurance offered includes coverage in the categories that travellers need, and is generally better than its Aeroplan peers at a similar annual fee level.
Cons
- No airport lounge membership or free lounge access.
- Aeroplan points can’t be redeemed for flights outside the Star Alliance network, nor can they be redeemed for cash credit. This makes them less flexible than some competing travel rewards programs.
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
2.50%
Foreign Transaction
Rewards Aeroplan
1.5 points†
for every $1 spent on eligible gas, electric vehicle charging, grocery and direct through Air Canada® purchases (including Air Canada Vacations®)
1 point†
Earn 1 point for every $1 you spend on all other purchases
2x
Earn points twice with Aeroplan partner brands and on the Aeroplan eStore.
50%
Earn 50% more Aeroplan points at Starbucks when you link your card to your account†. Conditions apply.
1
Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD)†. Additional Cardholders can also take advantage of this NEXUS program application fee rebate.
1st
checked bag free for you and up to 8 travel companions†
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Up to $1,350 in value† including up to 40,000 Aeroplan points† could be yours. Plus, receive an annual fee rebate for the first year† and additional travel benefits. Conditions Apply.
Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card†
Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening†
Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†
Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD)†.
Plus, share free first checked bags with up to 8 travel companions†
Get an annual fee rebate for the first year†.
To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while this offer is in effect.
Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
†Terms and conditions apply.
This offer is not available for residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
Our Take
The TD® Aeroplan® Visa Infinite* Card is a travel rewards credit card designed for frequent Air Canada travelers, offering elevated Aeroplan points on eligible gas, grocery, travel, and dining purchases. Cardholders benefit from perks such as a NEXUS application fee rebate†, a complimentary first checked bag for the primary cardholder and up to eight companions on Air Canada flights†, and access to select airport lounges†; however, the card carries an annual fee and requires a minimum personal or household income for eligibility.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- The card has a high earn rate for Aeroplan Points, generating 1.5 points† per $1 spent on eligible purchases.
- Insurance offered includes coverage in the categories that travellers need, and is generally better than its Aeroplan peers at a similar annual fee level.
Cons
- No airport lounge membership or free lounge access.
- Aeroplan points can’t be redeemed for flights outside the Star Alliance network, nor can they be redeemed for cash credit. This makes them less flexible than some competing travel rewards programs.
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
2.50%
Foreign Transaction
Rewards Aeroplan
1.5 points†
for every $1 spent on eligible gas, electric vehicle charging, grocery and direct through Air Canada® purchases (including Air Canada Vacations®)
1 point†
Earn 1 point for every $1 you spend on all other purchases
2x
Earn points twice with Aeroplan partner brands and on the Aeroplan eStore.
50%
Earn 50% more Aeroplan points at Starbucks when you link your card to your account†. Conditions apply.
1
Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD)†. Additional Cardholders can also take advantage of this NEXUS program application fee rebate.
1st
checked bag free for you and up to 8 travel companions†
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Up to $1,350 in value† including up to 40,000 Aeroplan points† could be yours. Plus, receive an annual fee rebate for the first year† and additional travel benefits. Conditions Apply.
Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card†
Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening†
Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†
Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD)†.
Plus, share free first checked bags with up to 8 travel companions†
Get an annual fee rebate for the first year†.
To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while this offer is in effect.
Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
†Terms and conditions apply.
This offer is not available for residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
If you are looking for versatile spending rewards like cash back, you can check out the CIBC Dividend Visa Card. This card is a no-fee cash back credit card that rewards you with 2% cash back on eligible grocery purchases and 1% cash back on eligible gas, EV charging, transportation, dining, and recurring payments. Additionally, you earn 0.5% cash back on all other eligible purchases.
When it comes to comprehensive insurance benefits, this card falls short when compared to the CIBC Aventura® Visa* Card as it only offers you extended protection insurance, purchase security and common carrier accident insurance.
Disclosures:
- †Terms and Conditions Apply. This offer is not available for residents of Quebec.
-
This is a digital-exclusive offer.†
To be eligible for this offer:
1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and
2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.†
This offer is reserved for you. Please do not forward it to anyone else.
CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months.†
Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertising partners.
up to 10¢ off/Litre
Welcome Bonus
$249
First Year Value
$0
Annual Value
Welcome Bonus: Get up to 10 cents off per litre at participating gas stations with Journie Rewards.
Get this card if you...
- want to earn cash back with no annual fee
- want flexibility in redeeming cash back
- want purchase protection and extended warranty coverage
Annual Fee & Annual Interest Rates
$0
Annual Fee
20.99%†
Purchase
22.99%†
Cash Advance
22.99%†
Balance Transfer
Our Take
The CIBC Dividend® Visa* Card is a no-annual-fee cash back credit card offering elevated earn rates on eligible grocery purchases, with additional cash back on categories such as gas, electric vehicle charging, transportation, dining, and recurring payments. Cardholders benefit from features like purchase security, extended protection insurance, and the ability to redeem cash back at any time through CIBC Online and Mobile Banking.
Eligibility
Good (620 - 670)
Recommended Credit Score
$15,000
Required Annual Household Income
Pros
- No annual fee
- High earn rates on popular spending categories
- Up to three additional cards at no extra cost
- Low required household annual income of $15,000†
- No limit on the cash back you can earn†
Cons
- Low earn rates on everyday spending
- Only option to redeem cash back rewards is statement credit
Annual Interest Rates
20.99%†
Purchase
22.99%†
Cash Advance
22.99%†
Balance Transfer
Fees
$0
Annual Fee
2.50%†
Foreign Transaction
$5
Cash Advance
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards cash back
2%
Get 2% cash back on eligible grocery purchases†
1%
cash back on eligible gas, EV charging, transportation, dining purchases and recurring payments†
0.5%
0.5% cash back on all other purchases†
$0.10
Save up to 10 cents off per litre on gas with CIBC and Journie Rewards at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
Insurance Benefits
$100,000
Travel accident insurance amount
Get up to 10 cents off per litre at participating gas stations with Journie Rewards.
Our Take
The CIBC Dividend® Visa* Card is a no-annual-fee cash back credit card offering elevated earn rates on eligible grocery purchases, with additional cash back on categories such as gas, electric vehicle charging, transportation, dining, and recurring payments. Cardholders benefit from features like purchase security, extended protection insurance, and the ability to redeem cash back at any time through CIBC Online and Mobile Banking.
Eligibility
Good (620 - 670)
Recommended Credit Score
$15,000
Required Annual Household Income
Pros
- No annual fee
- High earn rates on popular spending categories
- Up to three additional cards at no extra cost
- Low required household annual income of $15,000†
- No limit on the cash back you can earn†
Cons
- Low earn rates on everyday spending
- Only option to redeem cash back rewards is statement credit
Annual Interest Rates
20.99%†
Purchase
22.99%†
Cash Advance
22.99%†
Balance Transfer
Fees
$0
Annual Fee
2.50%†
Foreign Transaction
$5
Cash Advance
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards cash back
2%
Get 2% cash back on eligible grocery purchases†
1%
cash back on eligible gas, EV charging, transportation, dining purchases and recurring payments†
0.5%
0.5% cash back on all other purchases†
$0.10
Save up to 10 cents off per litre on gas with CIBC and Journie Rewards at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
Insurance Benefits
$100,000
Travel accident insurance amount
Get up to 10 cents off per litre at participating gas stations with Journie Rewards.
The Amex Green Card is an excellent no annual fee rewards card with a highly flexible rewards redemption program. This card allows you to earn 1x point for each $1 spent on eligible everyday purchases and an additional point for hotel and car rental bookings through the Amex travel portal. You can use your Membership Rewards points to get instant statement credit, gift cards, or convert your points to great travel loyalty programs like Flying Blue and Aeroplan, enabling you to secure fantastic travel deals. The American Express® Green Card also has no income requirements, making it easy to qualify for if you have low income.
On the other hand, the CIBC Aventura® Visa* Card offers superior travel insurance benefits, making it an excellent choice for frequent travelers. This card also boasts a higher acceptance rate at stores compared to an Amex card.
Disclosures:
-
Contact American Express for the most up-to-date referral bonus figures.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.
10,000 points*
Welcome Bonus
$340
First Year Value
$240
Annual Value
Welcome Bonus: Earn 10,000 Membership Rewards® points* when you spend $1,000 on your Card within the first 3 months as a new Cardmember.*
Get this card if you...
- want rewards without paying an annual fee
- want to earn points on everyday spending
- want a flexible rewards program with exclusive perks
Annual Fee & Annual Interest Rates
$0
Annual Fee
21.99%
Purchase
21.99%
Cash Advance
Our Take
The American Express® Green Card is a no-annual-fee credit card that allows cardholders to earn points on all purchases, with additional points for eligible hotel and car rental bookings made through American Express Travel. It also provides benefits such as purchase protection, extended warranty and access to exclusive events through American Express® Experiences.
Eligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
- No annual fee
- No income requirements (unlike many other no-fee cards)
- Welcome bonus up to 10,000 points (a $100 value)
- American Express® Experiences
Cons
- The card only offers basic extended warranty and purchase protection insurance. No travel insurance or rental car coverage
- Some places might not accept American Express®. However, most major retailers do (more small businesses are starting to as well)
- Fewer perks: No specific benefits for travel or dining and no accelerated earning rates on grocery
- Lower earn rates: The reward earn rates are lower than some other no-fee credit cards
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
25.99% - 29.99%
Penalty
Fees
$0
Annual Fee
2.50%
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
Rewards Membership Rewards
1x
the points on Card purchases
1
additional Membership Rewards® point for every $1 you charge to your American Express® Green Card on eligible hotel or car rental bookings made with American Express Travel
Earn 10,000 Membership Rewards® points* when you spend $1,000 on your Card within the first 3 months as a new Cardmember.*
That’s $100 towards your next shopping spree or ordering dinner in.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
Our Take
The American Express® Green Card is a no-annual-fee credit card that allows cardholders to earn points on all purchases, with additional points for eligible hotel and car rental bookings made through American Express Travel. It also provides benefits such as purchase protection, extended warranty and access to exclusive events through American Express® Experiences.
Eligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
- No annual fee
- No income requirements (unlike many other no-fee cards)
- Welcome bonus up to 10,000 points (a $100 value)
- American Express® Experiences
Cons
- The card only offers basic extended warranty and purchase protection insurance. No travel insurance or rental car coverage
- Some places might not accept American Express®. However, most major retailers do (more small businesses are starting to as well)
- Fewer perks: No specific benefits for travel or dining and no accelerated earning rates on grocery
- Lower earn rates: The reward earn rates are lower than some other no-fee credit cards
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
25.99% - 29.99%
Penalty
Fees
$0
Annual Fee
2.50%
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
Rewards Membership Rewards
1x
the points on Card purchases
1
additional Membership Rewards® point for every $1 you charge to your American Express® Green Card on eligible hotel or car rental bookings made with American Express Travel
Earn 10,000 Membership Rewards® points* when you spend $1,000 on your Card within the first 3 months as a new Cardmember.*
That’s $100 towards your next shopping spree or ordering dinner in.
*Current or former Cardmembers with this Card are not eligible for this offer. Other terms apply.
What users say about the Aventura Visa Card
The no-fee Aventura is decent as a starter travel card. Got the 10k point welcome bonus after first purchase which was nice. Earning structure is pretty weak though - 1 point per $1 on gas/groceries and 1:2 on everything else means it takes forever to earn enough for a flight. Good to have as a no-fee option but definitely not a primary card
Reddit user u/PointsCollector92
Student credit card option: CIBC Aventura® Visa* Card for Students
2.7
CIBC Aventura® Visa* Card for Students
2.7
up to 10,000 points
Welcome Bonus
$265
First Year Value
$165
Annual Value
Welcome Bonus: Earn up to 10,000 Aventura Points† for no annual fee.
Annual Fee & Annual Interest Rates
$0
Annual Fee
20.99%†
Purchase
22.99%†
Cash Advance
22.99%†
Balance Transfer
Eligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
Pros
- Easy to earn welcome bonus
- Points can be earned on all purchases
- Your Aventura Points don’t expire†
- Redeem your Aventura Points for more than travel with the Shop With Points/Pay with Points features†
- Eligible student clients can get a free SPC+ membership
Cons
- Lower earn rate than some other travel cards on the market
Annual Interest Rates
20.99%†
Purchase
22.99%†
Cash Advance
22.99%†
Balance Transfer
Fees
$0
Annual Fee
2.50%†
Foreign Transaction
5.00%†
Balance Transfer
$5
Cash Advance
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards Aventura
1 point
for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores†
1 point
for every $1 spent on travel purchased through the CIBC Rewards Centre†
1 point
for every $2 spent on all other purchases†
Insurance Benefits
$100,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Get up to 10,000 Aventura Points (up to $100 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†
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™
7,500 Aventura Points after you make your first purchase within the first 4 monthly statement periods†
Eligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
Pros
- Easy to earn welcome bonus
- Points can be earned on all purchases
- Your Aventura Points don’t expire†
- Redeem your Aventura Points for more than travel with the Shop With Points/Pay with Points features†
- Eligible student clients can get a free SPC+ membership
Cons
- Lower earn rate than some other travel cards on the market
Annual Interest Rates
20.99%†
Purchase
22.99%†
Cash Advance
22.99%†
Balance Transfer
Fees
$0
Annual Fee
2.50%†
Foreign Transaction
5.00%†
Balance Transfer
$5
Cash Advance
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards Aventura
1 point
for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores†
1 point
for every $1 spent on travel purchased through the CIBC Rewards Centre†
1 point
for every $2 spent on all other purchases†
Insurance Benefits
$100,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Get up to 10,000 Aventura Points (up to $100 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†
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™
7,500 Aventura Points after you make your first purchase within the first 4 monthly statement periods†
Being a student doesn't mean you have to pick a credit card that doesn't offer any rewards or benefits. In fact, student cards can help you develop responsible credit habits, and the CIBC Aventura® Visa* Card for Students is a perfect example. With this card, you'll enjoy rewards, concierge service, complimentary insurance coverage and a generous welcome bonus.
The CIBC Aventura® Visa* Card for Students comes with no minimum annual income requirement and a $1,000 minimum credit limit. And get ready for perks galore - you can take advantage of even more student benefits with a free SPC+ membership.
The student version of the CIBC Aventura Visa differs from the basic no-fee version in a few specific (and student-centric) ways:
- Free SPC+ membership: The student version includes complimentary Student Price Card (SPC+) membership, providing discounts at hundreds of retailers and restaurants
- Lower income requirements: While the regular card requires $15,000 minimum annual household income, the student card likely has more lenient income requirements to accommodate student financial situations
- Credit building focus: The student card is specifically designed as an entry-level option for building credit history while in school
The CIBC Aventura Visa Card for Students also requires proof of enrollment at a qualifying post-secondary institution.
Is the CIBC Aventura Visa Card worth it?
The CIBC Aventura® Visa* Card is a decent travel card, especially considering that it is free. You can earn points on all purchases, the welcome bonus is easy to obtain, and there are a couple of handy perks and benefits. We also appreciate that this credit card allows travellers to use their rewards towards paying for taxes and fees as well, not just the actual flight itself.
The point earn rates are a little low in comparison to a couple of other travel credit cards on the market and the fact that the amount of points required to redeem for flights through the Aventura Flight Rewards Chart is not a fixed amount can make things a bit confusing when trying to figure out how to get the most for your points.
CIBC Aventura® Visa* Card eligibility requirements
In order to apply for this credit card, you need to meet the following eligibility requirements:
- Be a Canadian resident
- Have reached the age of majority in your province
- Have a Good credit score
- Have a minimum household annual income of $15,000
Disclosures:
- †Terms and Conditions Apply. This offer is not available in Quebec.
-
This is a digital-exclusive offer.†
To be eligible for this offer:
1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and
2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.†
This offer is reserved for you. Please do not forward it to anyone else.
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.†
Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertising partners.
- Résidents du Québec : Pour en savoir plus sur ce produit CIBC, suivez ce lien
Hannah Logan
Money.ca writer
Hannah Logan is a Canadian freelancer writer and blogger who specializes in personal finance and travel. You can follow her adventures on her travel blog EatSleepBreatheTravel.com or find her on Instagram @hannahlogan21.
Cory Santos
Senior Reporter
Cory Santos is a finance writer, editor and credit card expert with nearly a decade of experience in personal finance. Cory joined Wise Publishing from BestCards, with bylines in numerous print and digital publications across North America, including the Miami Herald, BlogTO, Debt.ca, AOL, MSN and Medium as well as financial podcasts like KOFE Talk. He's also the creator and author of the annual Money.ca Credit Card Awards.
Explore the latest articles
Got paid, but you can’t use the money yet. Why?
What rising payment fraud means for your money, and how you can protect it
Disclaimer
The content provided on Money.ca is information to help users become financially literate. It is neither tax nor legal advice, is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Tax, investment and all other decisions should be made, as appropriate, only with guidance from a qualified professional. We make no representation or warranty of any kind, either express or implied, with respect to the data provided, the timeliness thereof, the results to be obtained by the use thereof or any other matter. Advertisers are not responsible for the content of this site, including any editorials or reviews that may appear on this site. For complete and current information on any advertiser product, please visit their website.
†Terms and Conditions apply.