Pros & cons
Pros
- Up to 2 points per $1 spent on purchases.
- Includes 8 types of insurance.
- Points worth up to 2.29 cents each.
- Ability to pay a higher annual fee to get lower interest rates.
Cons
- High annual fee of up to $120.
Your rewards
Getting your welcome bonus
Based on $2,000 in monthly spending, you can get up to 20,000 points which translates to an estimated $458.◊
For all welcome bonus details click here.
How you earn rewards
Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With CIBC Aventura Visa Card for Business, here's how you earn rewards:
- 2 points per $1 spent on travel through CIBC Rewards
- 1.5 points per $1 spent on eligible gas , EV charging , and travel
- 1 point per $1 spent on all other purchases
For all reward details click here.
How much your rewards are worth
The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For CIBC Aventura Visa Card for Business in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Airline Rewards Chart | $618 | |
| Travel through CIBC rewards | $270 | |
| Charity donations | $270 | |
| CIBC Financial Products | $224 | |
| Gift Cards | $192 | |
| Merchandise | $192 | |
| Pay with points | $170 |
| Redemption Option | Point Value | Total Value |
|---|---|---|
| Airline Rewards Chart | 2.29 cents | $23 |
| Travel through CIBC rewards | 1 cent | $10 |
| Charity donations | 1 cent | $10 |
| CIBC Financial Products | 0.83 cents | $8 |
| Gift Cards | 0.71 cents | $7 |
| Merchandise | 0.71 cents | $7 |
| Pay with points | 0.63 cents | $6 |
Calculating your annual rewards
$24,000 annual spending x 2.58% return on spending = $618 annual rewards
$618 annual rewards − $120.00 annual fee = $498 net annual rewards
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Details and eligibility
- Estimated Credit Score
- 760 - 900
- Personal Income
- $35,000
- Household Income
- N/A
- Annual Fee
- $120.00
- Extra Card Fee
- $50
- Card type
- Credit
- Purchase
- 19.99%
- Cash Advance
- 21.99%
- Balance Transfer
- 21.99%
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 90 days
- Travel Accident
- $500,000
- Trip Cancellation
- $1,000
- Trip Interruption
- $2,000
- Flight Delay
- $500
- Baggage Delay
- $500
- Rental Car Theft & Damage
- Yes
Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
CIBC Aventura Visa Card for Business's 3.3 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
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