CIBC Aventura® Visa* Card

Pros & Cons

Pros

+Welcome Bonus: Up to 12,500 points
+Purchase protection included
+No annual fee

Cons

–Foreign Transaction Fee (2.5%)

Our Review

The CIBC Aventura® Visa* Card is one of the best no-fee Visa credit cards with travel rewards in Canada.

With this offer, get up to $200 in value, with no annual fee:

Get up to 12,500 Aventura points (a value of up to $125 toward travel^†):

2,500 Aventura Points when you complete all five activities within 60 days of your CIBC Aventura® Visa* account approval.^†
10,000 Aventura points after making your first purchase during the period covered by your first 4 monthly statements^†
A free Skip+ membership as an eligible CIBC cardholder (a $110 first-year value)^†

With this no annual fee CIBC Aventura Credit Card, you get:

1 point for every dollar spent at gas stations, electric vehicle charging stations, and eligible grocery and drug stores^†
1 point for every $1 spent on travel purchased through the CIBC Rewards Centre
1 point for every $2 spent on all other purchases

And this no-annual-fee CIBC Credit Card offers some insurance coverage:

$100,000 Common Carrier Accident Insurance
Purchase Security and Extended Protection Insurance

Rewards

All Spending

0.5x

CIBC Aventura pts per dollar

Groceries

1x

CIBC Aventura pts per dollar

Gas

1x

CIBC Aventura pts per dollar

Pharmacy

1x

CIBC Aventura pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

Your point valuation· CIBC Aventura¢/ point

0.60¢3.6¢

Groceries1x

$700/month

Gas & EV1x

$200/month

Transit0.5x

$100/month

Restaurants0.5x

$300/month

Pharmacy1x

$50/month

Travel0.5x

$150/month

Bills & recurring payments0.5x

$250/month

Telecom0.5x

$150/month

Entertainment & streaming0.5x

$100/month

Office supplies0.5x

$0/month

All other spending0.5x

$500/month

Points Earned

20,700

CIBC Aventura/yr

Estimated Value

$248

After Fees

+$248

1st Year Value

$398

incl. welcome bonus

Annual rewards breakdown

Groceries$8,400/yr × 1x8,400 pts

Gas & EV$2,400/yr × 1x2,400 pts

Transit$1,200/yr × 0.5x600 pts

Restaurants$3,600/yr × 0.5x1,800 pts

Pharmacy$600/yr × 1x600 pts

Travel$1,800/yr × 0.5x900 pts

Bills & recurring payments$3,000/yr × 0.5x1,500 pts

Telecom$1,800/yr × 0.5x900 pts

Entertainment & streaming$1,200/yr × 0.5x600 pts

All other spending$6,000/yr × 0.5x3,000 pts

Total annual spend$30,000

Monthly spend$2,500

Average earn rate on spend per year0.69x

Average earn rate on spend 1st year with welcome bonus1.11x

Total points earned on spend20,700 pts

Welcome bonus points+12,500 pts

Earn 2,500 CIBC Aventura
Earn 10,000 CIBC Aventura

Total points earned33,200 pts

Value of points accumulated in the first year≈ $398

Travel Insurance

Travel Accident

Up to $100,000

Purchase Protection

Included

Extended Warranty

+1 year(s)

View the insurance certificate (PDF)

Fees and interest rates

Annual Fee
$0
Additional card fee
$0
Foreign currency conversion fee
2.5%
Purchase Rate
21.99%
Balance transfer rate22.99%
Quebec21.99%
Cash advance rate22.99%
Quebec21.99%

Eligibility

Personal Income

$15,000

Household Income

$15,000

Terms & Conditions

Card Features

Welcome Offer: Join and get up to $200 in value^† for no annual fee.^†

Here’s how it adds up:

Get up to 12,500 Aventura Points (up to $125 in travel value^†):
- 2,500 Aventura Points when you complete all five activities within 60 days of your CIBC Aventura® Visa* account approval.^†
- 10,000 Aventura Points after you make your first purchase within first 4 months.^†
As an eligible CIBC Cardholder, take advantage of a free Skip+ membership (first year value of $110).^†
Travel when it’s right for you – your Aventura Points don’t expire^†
Redeem your Aventura Points for more than travel with our Shop With Points/Pay with Points features^†
Travel local – Aventura Points can be redeemed for more than just flights – use your points for hotels and car rentals for a weekend getaway
1 point for every $1 spent on travel purchased through the CIBC Rewards Centre^†
1 point for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores^†
1 point for every $2 spent on all other purchases^†

Get a free Skip+ membership when you link your eligible CIBC credit card

Plus, enjoy $0 delivery fees and earn a $10 monthly voucher.^†

Fuel up for less

Link your card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.^†

Get 50% off Disney+ for 6 months

Use an eligible CIBC credit card to pay for your Disney+ Standard with Ads subscription, and automatically receive $4.50 each month in statement credits.^†

CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months.^†

Legal

This is an exclusive digital offer^†. To be eligible for this offer:
1) this offer must have been directly communicated to you from CIBC or from a partner or affiliate;
2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you^†.

This offer is reserved for you. Please do not forward it to anyone else. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months.^†

^† Conditions apply. To learn more, select the Apply Now option.

Related Cards

FAQ

Does the CIBC Aventura® Visa* Card has an annual fee?

No, the CIBC Aventura® Visa* Card has no annual fee.

This CIBC Credit Card is a travel rewards credit card that you can keep from year to year to build your credit score without paying an annual fee.

What is the welcome offer on the CIBC Aventura® Visa* Card?

The welcome offer for the CIBC Aventura® Visa* Card lets you earn up to 12,500 Aventura points, equivalent to a value of up to $125 toward travel, with no annual fee.

How can I earn Aventura points with the CIBC Aventura® Visa* Card welcome offer?

You can earn up to 12,500 Aventura points by completing five specific activities within 60 days of your account approval to earn 2,500 points, and by making your first purchase during the period covered by your first 4 monthly statements to earn 10,000 points.

How can I use my Aventura points with the CIBC Aventura® Visa* Card?

You can redeem your Aventura points for more than travel, including shopping with points and paying with points, or use them for hotel stays and car rentals for local getaways.

How can I save on gas with the CIBC Aventura® Visa* Card and Journie Rewards Card?

By linking your CIBC Aventura® Visa* Card to Journie Rewards, you can save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar, and Chevron gas stations.

How are Aventura points earned on CIBC Aventura® Visa* Card purchases?

You earn 1 Aventura point for every dollar of travel purchases made through the CIBC Rewards Centre, 1 point for every dollar spent at gas stations, electric vehicle charging stations, and eligible grocery stores and pharmacies, and 1 point for every $2 spent on all your other purchases.

Can Aventura Points from the Aventuraᴹᴰ CIBC Visa* Card be used for expenses other than travel?

Yes, Aventura Points from the Aventuraᴹᴰ CIBC Visa* Card can be redeemed not only for travel, but also through the Shop with Points and Pay with Points features.

What is the maximum value of Aventura points earned with the CIBC Aventura® Visa* Card welcome offer?

The maximum value of Aventura Points earned with the CIBC Aventura® Visa* Card welcome offer can be up to $100 towards your travels.

Can Aventura Points from the Aventuraᴹᴰ CIBC Visa* Card be used for local travel?

Yes, Aventura points can be used for local travel, including hotel stays and car rentals for a weekend getaway.