A Gold flexible travel rewards card that is nearly as good as its Infinite counterpart without the hefty minimum income requirement. Plus good insurance, a big sign-up bonus, and the first year is free.

Annual Fee
Extra Card Fee
Card Type
Cash Advance
Balance Transfer
Personal Income
Household Income
Canadian resident who has reached the provincial age of majority.
Extended Warranty 1 year
Purchase Protection 90 days
Mobile Device $1,000
Travel Accident $500,000
Emergency Medical Term 15 days
Flight Delay $500
Baggage Delay $500
Lost or Stolen Baggage $500
Hotel Burglary $2,500
Rental Car Theft & Damage Yes

Please review your insurance certificate for details, exclusions and limitations of your coverage.

If we find your match, we’ll give you up to $25 when you refer your friends.*

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Our Review

The CIBC Aventura Gold Visa is one of the best flexible rewards cards on the market right now. It's particularly good for those who want a premium travel rewards credit card but don't meet the usual minimum income requirements to qualify.

What makes this card special is that it has nearly all of the features of its big brother, the , but you only need a $15,000 income and good credit to qualify.

As a cardholder you'll get a nice sign-up bonus worth up to $344 when redeemed for flights in addition to the rewards you'll earn on every purchase you make:

  • 1 point for every $1 spent
  • 1.5 points for every $1 spent at gas stations, plus grocery and drug stores
  • 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre

These flexible rewards can be used for a number of different things:

  • flights on any airline,
  • other types of travel,
  • merchandise,
  • gift cards,
  • vacation packages,
  • financial services, and...
  • statement credits.

1 point per $1 spent on most items may seem ho-hum because it is like almost every points-based card on the market and it looks worse than those offering 2 points per $1 spent or more.

It's actually much better than it seems though because each point is worth much more than the usual 1 cent per point. Each point is worth up to 2.3 cents when redeemed for highly flexible and valuable flight rewards. For example, 35,000 points can be redeemed for a flight on any airline at competitive prices worth up to $800. If you get the full $800 value on your flight, then each point is worth 2.3 cents (rounded up).

That means you're getting at least a 2.3% return on spending but that jumps to 3.5% on gas, groceries, and drugstore purchases and even further to 4.6% on CIBC travel purchases. That makes the 2% return you get with other cards that give you 2 points per $1 spent - where each point is worth 1 cent - look not quite so good anymore.

The Aventura Gold card from CIBC also comes with 8 different types of travel and purchase insurance (which you can find out more about under the Insurance Coverage tab above).

To make travel even easier and worry free, this card comes with 24/7 access to CIBC Travel Concierge Service so you can get help with your travel arrangements, gift buying, reservations, event tickets, and more.

Plus, every fourth year, if you apply for a NEXUS card, you’ll get a rebate on the application fee. A great way to make travel to the United States easier.

Although this card comes with a fairly high price tag of $120, CIBC will waive the annual fee for the first year, and again, there is only a $15,000 minimum income requirement so it's pretty easy to qualify for.

Looking for a card that earns more points?

The is a good alternative to consider. Earn more points on your everyday purchases:

  • 5 points per dollar spent on groceries and restaurants,
  • 2 points per dollar spent on gas, travel and transit purchases, and
  • 1 point per dollar spent everywhere else.

Enjoy similar redemption options, plus get the ability to transfer your points to Marriott Rewards. All for an annual fee of $120 that gets charged out as $10 per month.

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