Pros & cons
Pros
- No currency exchange fees on U.S. dollar purchases.
- Includes 4 types of insurance.
- Up to 1 point per $1 spent on purchases.
Cons
- Relatively high annual fee of US$35.
Your rewards
Getting your welcome bonus
Based on $2,000 in monthly spending, you can get up to 2,500 points which translates to an estimated $57.◊
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 U.S. Dollar Aventura Gold Visa Card, here's how you earn rewards:
- 1 point for every $1 spent on travel through CIBC Rewards
- 1 point for every $2 spent everywhere else
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 U.S. Dollar Aventura Gold Visa 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 | $289 | |
| Travel through CIBC rewards | $126 | |
| Charity donations | $126 | |
| CIBC Financial Products | $105 | |
| Gift Cards | $89 | |
| Merchandise | $89 | |
| Pay with points | $79 |
| 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 1.20% return on spending = $289 annual rewards
$289 annual rewards − $35.00 annual fee = $254 net annual rewards
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Details and eligibility
- Estimated Credit Score
- 760 - 900
- Personal Income
- $15,000
- Household Income
- N/A
- Annual Fee
- US$35.00
- First Year Free
- Yes
- Extra Card Fee
- $0
- Card type
- Credit
- Purchase
- 21.99%
- Cash Advance Δ
- 22.99%
- Balance Transfer Δ
- 22.99%
Insurance coverage
- 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, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
CIBC U.S. Dollar Aventura Gold Visa Card's 2.8 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.
Learn more about our rating methodology.
Awards
Each year for our annual credit card rankings our Genius Rating algorithm computes the best credit cards across 28 different categories. Here’s what this card has won this year:
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Key benefits
User reviews
Reviewed by 3 Canadians
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Not even worth a Rating. Every purchase I make, out of country, I have to call in to customer service. I spend 25 to 40 mins on the phone for every purchase. What are the advantages ? I haven't found one yet. Frustrated and going to use T.D or Scotiabank, maybe they want the business. CIBC is horrible.
FYI - As with ALL Canadian credit cards (when using at any gas bar that requires a ZIP) you simply enter the three NUMBERS in your Postal Code followed by two zeros (IE: for postal code V4B4K8 > enter 44800). It works every time everywhere.
I only have it to make USD purchases, online and traveling. Some places in the US did not accept it, including gas bars (no zip code associated, still a Canadian card).
$100 GeniusCash + Earn up to 15,000 Welcome Bonus Membership Rewards® Points.*