The top no fee travel card in Canada complete with perks, like the CIBC Travel Concierge Service, that usually come with a cost.

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
Travel Accident $100,000
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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CIBC Aventura Visa Review

The CIBC Aventura Visa card is a top travel credit card in Canada that has no annual fee and has a low minimum income requirement of only $15,000. But just because there is no annual fee, that doesn't mean it has no benefits.

In fact, this card allows you to earn 1 point for every dollar spent on gas, groceries, travel through CIBC Rewards Centre, and at the drugstore. As well as 1 point for every $2 spent everywhere else. With points that are worth more than double the usual 1 cent value when redeemed for high value flights, that's actually very impressive for a no fee card.

A person with typical spending patterns can expect to achieve a 1.5% return on spending. But, if you spend a lot on gas, grocery, drugstore, and CIBC travel purchases, that number can rise to as high as 2.3%.

Plus, the CIBC Aventura Visa will give you 2,500 bonus points when you spend $500 within your first 4 months, AND 500 bonus points for doing each of the following within the first 60 days of having your account:

  • Share your email address with CIBC
  • Sign up for eStatements for your new Aventura Visa card
  • Add an authorized user on your new Aventura Visa card
  • Hold any eligible CIBC Chequing Account
  • Register your Aventura Visa card with Apple Pay® or Samsung Pay

The first 3 items on that list are very easy to achieve and won't cost you anything. If you aren't already a CIBC client, getting an extra chequing account probably won't be worth the effort though. You're probably much more likely to have a smartphone to help you get that final 500 points, but setting up payments on your phone isn't something everyone will be comfortable with.

Either way, that's still a pretty easy 1,500 to 2,500 bonus points that never expire. Depending on how you choose to redeem them, that could easily be worth $50 or more, especially when you redeem for flights.

Speaking of redeeming points, you can use them to book a flight on any airline at any time through CIBC Rewards. You can also use your points as a statement credit, to purchase merchandise and gift cards, or to invest and save for the future through one of CIBC's many investment products (although keep in mind you will get the most value out of your points if you use them for flights).

As if that wasn't enough, It's very rare to find a no fee credit card that gives you concierge service, but the CIBC Aventura Visa does exactly that. Plus, this card also comes with 4 types of purchase and travel insurance.

If you're looking for a no fee travel card that offers flexible travel rewards and still has a high earn rate, the is a good option. You'll get a 2% return on gas, grocery, and restaurant purchases (up to $5,000 in annual spend on each category), and get a 1% return on all other purchases when you use your points to redeem for travel through MBNA Rewards.

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