Pros & cons
Pros
- Earn up to 3 points per $1 spent on purchases.
- Annual $200 travel credit.
- Points worth up to 2.29 cents each.
- Comes with 6 free lounge passes.
- Includes 12 types of insurance.
Cons
- High annual fee of $499.
- High income requirements of $150,000 personal or $200,000 household.
Your rewards
Getting your welcome bonus
Based on $2,000 in monthly spending, you can get up to 50,000 points which translates to an estimated $1,145.◊
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 Privilege Card, here's how you earn rewards:
- 3 points per $1 spent on travel booked through CIBC Rewards
- 2 points per $1 spent on gas , EV charging , groceries , restaurants , and transit
- 1.25 points 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 Privilege 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 | $802 | |
| Travel through CIBC rewards | $350 | |
| Charity donations | $350 | |
| CIBC Financial Products | $291 | |
| Gift Cards | $249 | |
| Merchandise | $249 | |
| Pay with points | $221 |
| 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 3.34% return on spending = $802 annual rewards
$802 annual rewards − $499.00 annual fee = $303 net annual rewards
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1x Award Winner
Details and eligibility
- Estimated Credit Score
- 760 - 900
- Personal Income
- $150,000
- Household Income
- $200,000
- Annual Fee
- $499.00
- Extra Card Fee
- $99
- Card type
- Credit
- Purchase
- 21.99%
- Cash Advance Δ
- 22.99%
- Balance Transfer Δ
- 22.99%
Insurance coverage
- Extended Warranty
- 2 years
- Purchase Protection
- 180 days
- Mobile Device
- $1,500
- Travel Accident
- $500,000
- Emergency Medical Term
- 31 days
- Emergency Medical over 65
- 10 days
- Trip Cancellation
- $2,500
- Trip Interruption
- $5,000
- Flight Delay
- $500
- Baggage Delay
- $500
- Lost or Stolen Baggage
- $1,000
- 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 Privilege Card's 4.1 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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Key benefits
User reviews
Reviewed by 6 Canadians
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I have lost my enthusiasm for this card. Having two Nexus cards is nice if you want to travel to USA but as the statistics prove, Canadians don’t want to travel there. Value of Nexus benefit = $0
Ability to book the type of travel I want through the cards travel agency (CIBC by Expedia) has provided nothing but frustration. Belligerent staff. Can only book what is in the Expedia online inventory. Tried to book an Intrepid Tour to Iceland. Can’t book it. But they can book flight and separated day trips. But told me I can’t use points to pay for it. CIBC by Expedia benefit = $0
I do benefit from the $200 yearly travel credit and insurance for anyone over 65.
If you value the freedom to book the travel that you want, and not what Expedia has to offer, suggest a pass on this card.
Avoid it! I traveled with my family, and our flight was canceled and rescheduled. With my 3-year-old son exhausted from all the waiting, I had to book a hotel, believing it was covered by Travel Insurance. However, I found out that the policy is very specific and does not cover "the cancellation."
The rewards are also terrible, and flight prices are always above market rates. After a long time, I am canceling this card.
Good card, but could not find flights that valued points at more than 1 cent, not the 2 cents talked about
Great card. Very high reward rate (2.9% in my case) and great insurance.
Plus pays for mine and my wife's Nexus, and an annual $200 travel credit, and airport lounge access.
Excellent card. Great value with NEXUS rebate, 200 dollar travel credit and 120 off with Smart plus account effectively making the card almost free the first year plus 50000 sign up points.
