Pros & cons
Pros
- Up to 45,000 Aventura points.
- Earn up to 2 points per $1 spent on purchases.
- Points worth up to 2.29 cents each.
- Save up to 10 cents per litre on fuel at Journie Rewards gas stations.
- Visa Airport Companion Membership with 4 free passes.
- Includes 12 types of insurance.
Cons
- High income requirements of $60,000 personal or $100,000 household.
- Poor rewards outside of the airline rewards chart.
Your rewards
Getting your welcome bonus
Based on $2,000 in monthly spending, you can get up to 45k points + $120 which translates to an estimated $1,151.◊
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 Infinite Card, here's how you earn rewards:
- 2 points per $1 spent on travel booked through the CIBC Rewards Centre
- 1.5 points per $1 spent on eligible gas , groceries , EV charging , and drugstores
- 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 Infinite Card 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 | $639 | |
| Travel through CIBC rewards | $279 | |
| Charity donations | $279 | |
| CIBC Financial Products | $232 | |
| Gift Cards | $198 | |
| Merchandise | $198 | |
| Pay with points | $176 |
| 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 2.66% return on spending = $639 annual rewards
$639 annual rewards − $139.00 annual fee = $500 net annual rewards
Details and eligibility
- Estimated Credit Score
- 660 - 724
- Personal Income
- $60,000
- Household Income
- $100,000
- Annual Fee
- $139.00
- Extra Card Fee
- $50
- Card type
- Credit
- Purchase
- 21.99%
- Cash Advance
- 22.99%
- Balance Transfer
- 22.99%
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 90 days
- Mobile Device
- $1,000
- Travel Accident
- $500,000
- Emergency Medical Term
- 15 days
- Emergency Medical over 65
- 3 days
- Trip Cancellation
- $1,500
- Trip Interruption
- $2,000
- 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, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
CIBC Aventura Visa Infinite Card's 4.2 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.
Top cards from CIBC
CIBC Aventura Visa Infinite Review
Earning rewards points doesn’t count for much if you can’t use those points for what you really want. The CIBC Aventura Visa Infinite program lets you earn flexible rewards that can be used for a number of redemptions. They can be earned in a number of different ways.
But as you'll see, there's really only one way to use your points for top value. Here's what this card has to offer.
Earning CIBC Aventura rewards
So what will you actually be earning in terms of rewards?
Here's what you'll get on every purchase:
- 2 points per $1 spent on travel booked through the CIBC Rewards Centre
- 1.5 points per $1 spent on eligible gas, groceries, EV charging, and drugstores
- 1 point per $1 spent on all other purchases
The ability to earn up to 2 points per dollar spent is really beneficial, especially when those points are worth more than the standard 1 cent each. Because of the highly valuable and completely flexible flight rewards, Aventura points are worth up to 2.3 cents each.
At 1 point per $1 spent, this means you’ll achieve a 2.3% return on spending. But if you get 1.5 or 2 points per $1 spent, then your return jumps to an outstanding 3.5% or 4.6% respectively. A typical person with spending spread out across many areas can expect to achieve a return of about 2.77% when redeeming for high-value flights.
Redeeming your CIBC Aventura rewards
Although you do get the best bang for your buck when you redeem your points for flights, CIBC Aventura points are very flexible because they can be used for a number of different things:
- flights on any airline (best value),
- other types of travel,
- merchandise,
- gift cards,
- one-of-a-kind activities,
- financial services like investments, or even
- as a statement credit to help pay down your balance.
The value of each of these options can be seen in the "Rewards" tab above.
But, the only way to get unmatched value from them is by using the Aventura Flight chart – you can get a value of up to 2.29 cents each on flight bookings. Every other reward option is worth 1 cent or less. You'll be sacrificing a lot of value, and if your goal is to get rewarded for things other than travel, there are other reward cards that will be better for you.
Here's a summary of all your options and what your points are worth for each one.
5 benefits to the CIBC Aventura Visa Infinite
There's more to this card than just the rewards – here are 5 other things to like about it.
1. Top-notch insurance package
Valuable rewards are nice, but as a top flexible travel credit card, it also comes standard with 12 different types of complimentary travel and purchase insurance. Check out the "Insurance Coverage" tab above for more information on that.
A couple of coverages stand out. Trip cancellation insurance is great to have in case something comes up last minute and you won't be able to go, meaning you can get a refund on any non-refundable trip plans.
And not many credit cards offer mobile device insurance. It's great coverage in case something happens to your mobile phone, especially considering how expensive they are these days.
2. Airport lounge access
Want to escape a busy airport while you're waiting for your flight? Airport lounge access can give you a relaxing place to wait with food and drinks to boot.
The CIBC Aventura Visa Infinite will give you a Visa Airport Companion membership and 4 free passes at over 1,200 airport lounges worldwide.
3. Nexus fee rebate
If you hated the crowds in an airport, you probably don't like the long lines and checks at security either. That's where a Nexus pass comes in. If you wanted to get rid of some of the hassle when travelling to the U.S., the Aventura Visa Infinite card has a unique benefit for you.
Every four years, you can get 1 rebate of $160 on a Nexus application fee charged to your CIBC card.
4. Visa Infinite benefits
And because this card is a Visa Infinite card, you are also given some nice perks and benefits through the Visa Infinite program:
- Visa Infinite Concierge,
- Visa Infinite Luxury Hotel Collection,
- Visa Infinite Dining Series, as well as
- access to exclusive events.
5. Excellent welcome bonus
Finally, there's also a top-notch welcome bonus.
You can earn up to 45,000 points as such:
- 15,000 points after your first purchase, and
- 30,000 points after spending $3,000 in the first 4 months.
Plus you also get an annual fee rebate in your first year.
2 downsides to the CIBC Aventura Visa Infinite
The CIBC Aventura Visa Infinite has a lot going for it, but here are a couple of things to keep in mind.
1. High income requirements
The annual fee is in-line with other premium credit cards at $139.
But that annual fee is coupled with high income requirements of either $60,000 personal or $100,000 household, which may put it out of reach for some.
2. Just fair rewards outside of the Aventura Flight Chart
The second downside is the rewards. Redeem for maximum value using the Aventura Flight Chart and you get amazing rewards.
Based on a typical $2,000 monthly spending, you're getting $638.91 in annual rewards – an excellent return on your spending.
But if you only redeem for travel through CIBC Rewards, you're down to $279 which falls in line with the best no annual fee credit cards out there.
Comparison to the CIBC Aventura Gold Visa
There's another Aventura credit card that's quite similar – the CIBC Aventura Gold Visa Card.
Here's the quick comparison.
| CIBC Aventura Visa Infinite | CIBC Aventura Gold Visa | |
|---|---|---|
| Earn Rates | * 2 points per $1 spent on travel booked through the CIBC Rewards Centre * 1.5 points per $1 spent on eligible gas, groceries, EV charging, and drugstores * 1 point per $1 spent on all other purchases | * 2 points per $1 spent on travel booked through the CIBC Rewards Centre * 1.5 points per $1 spent on eligible gas, groceries, EV charging, and drugstores * 1 point per $1 spent on all other purchases |
| Welcome Bonus | Up to 45,000 bonus points, first year annual fee waived† (terms) | Up to 45,000 bonus points, first year annual fee rebate (terms) |
| Average Earn Rate | 2.66% | 2.66% |
| Travel Redemption Options | * Aventura Flight Chart * Redeem for any travel | * Aventura Flight Chart * Redeem for any travel |
| Insurance Coverage | 12 types | 10 types |
| Interest Rates | * 21.99% purchase * 22.99% cash advance * 22.99% balance transfer | * 21.99% purchase * 22.99% cash advance * 22.99% balance transfer |
| Annual Fee | $139 | $139 |
| Income Requirements | * $60K personal * $100K household | * $15K household |
These are almost identical cards.
If you don't meet standard Visa Infinite income requirements, the Gold Visa is an excellent backup choice. THe only thing you're giving up is a few insurance coverages. But you're still getting the same high value rewards and features.
Leave a review
These are our thoughts on the CIBC Aventura Visa Infinite, but what about you?
If you have the card, or have had it in the past, leave a user review so others can see what you think about it.
FAQ
What does the CIBC Aventura Visa Infinite offer for rewards?
The CIBC Aventura offers the following rewards on purchases:
- 2 points per $1 spent on travel booked through the CIBC Rewards Centre
- 1.5 points per $1 spent on eligible gas, groceries, EV charging, and drugstores
- 1 point per $1 spent on all other purchases
What benefits does the CIBC Aventura Visa Infinite include?
The CIBC Aventura Visa offers quite a few benefits. Some of them include:
- 12 types of insurance,
- Nexus application rebate every 4th year, and
- Visa Airport Companion membership with 4 free passes.
What is the annual fee and income requirements of the CIBC Aventura Visa Infinite?
The CIBC Aventura Visa Infinite has an annual fee of $139 and income requirements of either $60,000 personal or $100,000 household.
Key benefits
† Terms and Conditions Apply. Select Apply Now to learn more.
User reviews
Reviewed by 18 Canadians
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Wow. I have had this card for years and hundreds of thousands of dollars spent on the card. Fast forward to now, and CIBC just randomly (for the second time) stopped approving purchases. I have spent two hours waiting to talk to someone for support. They apologized and stated that their back office has a huge backlog. Sorry about that. Now, the supervisor is going to call me back within 28 hours. Yeah right....it is Friday night at 4:55.
Do not get!
Travel rewards centre is a absolute horrible experience
I am canceling
They stole 35,000 points ; over a typo that was reported to them 2 minutes after I booked hotel, they refused to help correct it
DO NOT GET!
Travel booking site is terrible and I can never find flights that give the points value that is shown here. Stay away
Don’t do it. The travel agents/representatives they use are awful. They are not helpful at helping you to find the best usage of points. They don’t know anything about flights (I always have to find my own), and this time they booked my connecting flight incorrectly and are charging ME to have to fixed and I lost the money I spent on my seat. It was 100% their error, and I’m left holding the bill. I asked to escalate this, and they said their customer service standard is that managers will replay to me by email only in 4-5 WEEKS! Unreal. Get another travel rewards card. This one is not worth the hassle and loss of funds.
Worst card!
I have it
The thing is when I got lay off I had the insurance for that. I called them saying I got lay off and is there any benefit for it. They said when you had a job you paid everything on time so we can't do anything for you. I mean anyone can understand that when you have a job then you can easily pay your bills but when you don't have a job you cant pay.
When my flight and baggage got delayed, this credit card did not help me at all. I did not get a benefit of even 1$ from it. The process is very hard that no one can get claim easily.
So I don't suggest it.
