Head-to-Head: CIBC Aventura Visa Infinite vs RBC Visa Infinite Avion

Q: Which welcome bonus is more attractive: Aventura or Avion?

Both bonuses are close, but with different structures: CIBC Aventura Visa Infinite : up to 60,000 points , plus a first-year rebate ($139) and authorized-user credits, worth about $1,200 in travel according to CIBC, plus up to $189 in refunded annual fees RBC Avion Visa Infinite : up to 70,000 points (35,000 on approval, 20,000 after $5,000 in purchases within 6 months and 15,000 at your account anniversary), worth about $1,500 Avion keeps the edge on raw value (up to $1,500, against $1,200 in travel according to CIBC). Aventura still has two advantages: its full bonus arrives within the first year, without waiting for the account anniversary, and the annual fee rebate lightens your first year.

Q: What are the annual fees and points earning rates?

The structures differ depending on the card: CIBC Aventura Visa Infinite : $139 annual fee (often rebated the first year as a promotion). 2 points/$ on travel booked through CIBC by Expedia , 1.5 points/$ on gas, groceries, and pharmacy, and 1 point/$ everywhere else RBC Avion Visa Infinite : $120 annual fee (rarely rebated). 1.25 points/$ on travel and 1 point/$ everywhere else Aventura earns faster on everyday categories (groceries, gas) thanks to the 1.5x rate.

Q: Which card offers airport lounge access?

Only the Aventura CIBC Visa Infinite offers lounge access: 4 free visits per year through the Visa Airport Companion program. The Avion RBC Visa Infinite does not include any lounge access. If you travel 4 to 6 times per year, those 4 visits represent $120 to $200 in value (USD 32 per paid visit at the Priority Pass rate). For frequent travellers who want lounge access, Aventura is clearly the better deal, or you’ll need to move up to the Visa Infinite Privilege level.

Q: Which card should you choose between Aventura and Avion?

A simple rule based on your profile: Choose the CIBC Aventura Visa Infinite if you want everyday earning (groceries, gas, and pharmacy at 1.5x), lounge access, and a welcome offer with the first-year fee rebated Choose the RBC Avion Visa Infinite if you want transfer flexibility (WestJet, American Airlines, British Airways Avios) and slightly stronger travel insurance for pre-existing conditions On a pure bonus + everyday spending calculation, Aventura comes out ahead for most Canadians.

RBC and CIBC each offer a travel rewards credit card:

But which of these Visa Infinite cards is the best deal? You can also check out our comparison between the CIBC Aventura^® Visa Infinite* Card and the Scotiabank Passport Visa Infinite +* Card if a Scotiabank card also interests you.

FeaturedCompare

RBC Avion Visa Infinite Card

RBC RBC Avion Rewards - Elite

Annual fee: $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$935Total$935$255 deferred bonus, excluded from the first-year estimate and not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $935
Welcome offer35,000 points after approval; 20,000 after $5,000 in eligible transactions within 6 months; 15,000 credited 12–16 weeks after the first account anniversary. Eligible account must remain open and in good standing; offer terms and posting times apply.: Up to 70,000 points; Ends Nov 25, 2026

For a limited time, the RBC Avion Visa Infinite Card offers a welcome bonus of up to 70,000 Avion points, worth up to $1,500 in travel.

35,000 points upon approval of your application
20,000 points when you charge $5,000 in purchases to your account within the first six months
15,000 points credited 12–16 weeks after the first account anniversary, provided the account is open and in good standing when the points are credited

You can redeem your Avion points for flights with more than 500 airlines, with no blackout periods or seat restrictions, or transfer them to partner programs such as American Airlines AAdvantage, The British Airways Club, Cathay Pacific Asia Miles and WestJet Rewards.

The card earns you 1.25 points per dollar on eligible travel purchases and 1 point per dollar on all your other eligible purchases. It also includes extensive insurance coverage: emergency medical, trip cancellation and interruption, collision coverage for rental vehicles, and mobile devices.

The annual fee is $120.

Legal

Refer to RBC page for up to date offer terms and conditions

^† Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 35,000 Avion points for one round-trip long-haul flight to almost anywhere in Canada or the United States with a maximum ticket price of $750, you will need a minimum of 70,000 Avion Points for two round-trips long-haul flights to almost anywhere in Canada or the United States, exclusive of Hawaii and Alaska. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

^ Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 15,000 Avion points for a round trip within or to an adjacent Canadian province/territory or U.S State with a maximum ticket price of $350. You will need a minimum of 60,000 Avion Points for four round-trips within or to an adjacent Canadian province/territory or U.S State. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including information on redeeming for first class and business class seats, please visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

1 This offer only applies to new applications for an RBC Avion Visa Infinite or RBC Avion Visa Platinum credit card (each, an “Eligible Credit Card”) received between “August 13, 2026” and “November 25, 2026” (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”) subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the Eligible Credit Card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an Eligible Credit Card account during the Offer Period, are not eligible for the offer.

35,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your Eligible Credit Card account remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Eligible Credit Card account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.

You will receive 20,000 bonus Avion points (“Bonus Points”) if a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Eligible Credit Card account within the first six (6) months from your Eligible Credit Card account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty days (60) after you reach $5,000 in Qualifying Transactions, provided your Eligible Credit Card account remains open and in good standing at the time the Bonus Points are credited to your account.

Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees. Credits for returns and adjustments posted to your Eligible Credit Card account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.

15,000 additional Avion points (“Anniversary Points”) will appear on your monthly credit card statement within twelve (12) to sixteen (16) weeks after the one- year anniversary of your account opening, provided that your Eligible Credit Card account remains open and in good standing at the time the Anniversary Points are credited to your account.

If you close or change your Eligible Credit Card Account for another type of RBC Royal Bank credit card before the Welcome Points, the Bonus Points and/or the Anniversary Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.

^Point redemptions for flights under the Air Travel Redemption Schedule start at 7,500 points for a short-haul one-way Economy Class flight priced at no more than $175 (and start at 15,000 points for a short-haul round-trip Economy Class flight priced at no more than $350). The traveller is responsible for all applicable taxes, administration fees and surcharges. To learn more, including guidelines regarding redeeming points for a Business Class flight, visit www.avionrewards.com/travel/.

2 Avion points are earned on qualifying net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant) interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.

4 To participate in this offer, you must have an RBC debit card or a credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) RBC business credit cards and one (1) RBC business debit card to a Petro-Points card.

You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.

6 Each time you use your linked Eligible Avion Rewards Credit Card to pay for purchases at a Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Avion points than you normally earn for every $1 in purchases in accordance with the Avion Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into Avion Rewards account. Authorized Users are excluded from earning Avion points bonus.

6 Each time you use your eligible linked Avion Rewards credit card to pay for purchases at a Petro-Canada location, you will receive a bonus of twenty percent (20%) more Avion points than you would normally receive for each dollar of purchase, in accordance with the terms of the Avion Rewards program. Please allow up to ninety (90) days from the date the transaction is posted to your credit card statement for your bonus points to be deposited into your Avion Rewards account. Authorized users cannot earn bonus Avion points.

7 Coverage underwritten by RBC Insurance Company of Canada. Please refer to the insurance certificate for complete details. rbc-visa-infinite-avion-certificate-of-insurance.pdf

9 Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.

12 You will earn 1.25 Avion points for every dollar spent when you use your RBC Avion Visa Infinite card to pay for travel-related purchases made at merchants classified by Visa’s “Merchant Category Code” (“MCC”) as “travel”, which may include: airlines, accommodations, tour operators, cruise lines, travel agencies and car rental companies. Even though some merchants may sell travel products/services, purchases made at these locations may not necessarily qualify for the 1.25 Avion points per dollar if the merchant is not classified with a “travel” MCC. Also, merchants that are not classified by a “travel” MCC may be located on the premises of merchants that are classified with a “travel” MCC, and purchases made at these locations may not qualify for this added benefit. For more details, please refer to the Avion Rewards Terms and Conditions at: https://www.avionrewards.com/terms-and-conditions/index.html

14 The term “redeem” means using your Be Well points to pay, or partially pay, for eligible purchases using your Be Well card at participating Rexall locations according to the instructions provided by the cashier, the point-of-sale terminal or any other payment processing device. You can redeem the Be Well points you earn for eligible purchases—see section 5 of the Be Well terms (available at https://www.letsbewell.ca/terms-conditions)—or for another purpose that we may provide from time to time.

You must have joined the Be Well program and registered your Be Well card, or otherwise called customer service, to redeem Be Well points. Any Be Well points earned on a Be Well card will remain the property of the Be Well administrator until the enrollment and registration process is complete.

You must redeem a minimum of 25,000 Be Well points at any time, which are worth $10. Be Well points can be redeemed in $10 increments, up to a maximum of $200 (500,000 Be Well points) in a single transaction. A maximum of 500,000 Be Well points can be redeemed within a 24-hour period.

In Ontario and British Columbia, Be Well points cannot be redeemed for prescription drugs. As the laws of each province and territory may change from time to time, you are encouraged to consult your pharmacist for more information in this regard.

Be Well points you earn when you make a purchase cannot be redeemed immediately for that same purchase. They can only be redeemed for a future eligible purchase that must be made at least 12 hours after earning those Be Well points.

16 To receive a complimentary DashPass subscription for $0 delivery fees on orders of $15 or more at eligible restaurants when you pay with your Eligible RBC Credit Card, you must subscribe to DashPass by adding an Eligible RBC Credit Card, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass” before November 16, 2028 (“Offer Period”). If you are an existing DashPass subscriber and have already added an Eligible RBC Credit Card to your account you must activate your benefit by clicking “Activate Free DashPass” during the Offer Period. If you have been charged for DashPass you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass” you agree to the DoorDash terms and conditions which can be found at https://help.doordash.com/consumers/s/terms-and-conditions .

Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on an Eligible RBC Credit Card account.

The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive either a 6 months or 12 months Complimentary DashPass Subscription based on the Eligible RBC Credit Card you use to subscribe to DashPass.

DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription.

Eligible RBC Credit Cards: Your Eligible RBC Credit Card may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription you cannot use the same eligible RBC Credit Card to obtain a Complimentary DashPass Subscription with another DoorDash account.

You are only eligible for one 12 month Complimentary DashPass Subscription and one 6 months Complimentary DashPass Subscription during the Offer Period. The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. For example, if you subscribe to a 12 month Complimentary DashPass Subscription in on the last day of your second month of a 6 months Complimentary DashPass Subscription you will receive a total of 14 months of Complimentary DashPass Subscription. In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated.

12 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

As an RBC Avion Visa Platinum, RBC Avion Visa Infinite , RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking, WestJet RBC World Elite Mastercard, RBC Rewards Visa Preferred, RBC Cash Back Preferred World Elite Mastercard, More Rewards RBC Visa Infinite, RBC British Airways Visa Infinite, RBC Avion Visa Business, RBC Avion Visa Infinite Business, WestJet RBC World Elite Mastercard for Business (Elite Benefit cards) cardholder.

You are eligible for a Complimentary DashPass Subscription for 12 months from the date you subscribe to receive the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 12 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.

6 Months Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

As an Rewards+TM Visa‡, Signature^® RBC Rewards^® Visa‡, RBC^® Visa‡ Platinum, RBC^® Visa‡ Cash Back, RBC^® Cash Back Mastercard‡, RBC^® Visa‡ Classic Low Rate Option, RBC^® Visa‡ Classic, RBC^® Student Visa‡ Classic, RBC^® Visa‡ Classic II Student, RBC^® Visa‡ Gold, RBC^® U.S. Dollar Visa‡ Gold, RBC Rewards Visa‡ Gold, RBC RateAdvantage^® Visa‡, WestJet RBC^® Mastercard‡, RBC ION Visa, RBC ION+ Visa, More Rewards RBC Visa, RBC Staff VISA Classic Expense, RBC Staff VISA Gold Expense, RBC^® Visa‡ Business, RBC^® Visa‡ Business Gold, RBC^® Visa‡ CreditLine for Small BusinessTM, or RBC^® Business Cash Back Mastercard‡, WestJet RBC^® World Elite Mastercard‡ (Premium Benefit Cards).

You are eligible for a Complimentary DashPass Subscription for 6 months from the date you subscribed to the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 6 months Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.

DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit www.doordash.com/dashpass (opens to external site). For full DashPass for RBC Program Terms and Conditions, visit rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf

Annual fee

Primary card$120

Additional card$50

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

1.25xTravel
1xAll spending

Value

1st Year Value$1,312

2nd Year Value$271

Transfer partners

American Airlines AAdvantageAirline
British Airways ClubAirline
Cathay Asia MilesAirline
WestJet RewardsAirline

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Unlimited / 15 days

Travel medical (55-64)Unlimited / 15 days

Travel medical (65+)Unlimited / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $5,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,500 / 1 years

Auto Rental CollisionUp to $65,000 / 48 days

Compare

CIBC Aventura^® Visa Infinite* Card

CIBC CIBC Aventura First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $139
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$600Annual fee rebated$139Total$739Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $739
Welcome offerAfter $5,000 in 4 months: Up to 60,000 points

The CIBC Aventura^® Visa Infinite* Card is one of the best Visa credit cards with travel rewards.

With this offer, get up to $1,900 in value, including a first-year annual fee rebate.

CIBC has an offer with which you can earn up to 60,000 Aventura points:

15,000 Aventura Points when you make your first purchase^†
30,000 Aventura Points if you spend $3,000 or more in the first 4 monthly statement periods^†
15,000 Aventura Points if you have at least $5,000 in net purchases posted to your account in the first 4 monthly statement periods^†

In addition, you can benefit from a rebate on the first year’s annual fee for the primary card holder ($139 value) and up to three authorized users ($50 each).

With this CIBC Aventura Credit Card, you get:

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

The CIBC Aventura^® Visa Infinite* Card also offers:

Airport lounges access: Visa Airport Companion Program membership with 4 complimentary visits
Reimbursement of NEXUS membership fees ( $160 value)
A free Skip+ membership (a $110 first-year value)

The minimum annual income required for this card is $60,000 (personal) or $100,000 (household).

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.

Annual fee

Primary card$139

Additional card$50

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

1.5xPharmacy
1.5xGroceries
1.5xGas
1xAll spending

Value

1st Year Value$957

2nd Year Value$359

Card benefits

Airport lounge access$160

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days

Travel medical (55-64)Up to $5,000,000 / 15 days

Travel medical (65+)Up to $5,000,000 / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $2,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

Auto Rental CollisionUp to $65,000 / 48 days

Let’s look at each of their features in detail, to distinguish these two credit cards. Apart from their almost identical name, what are their differences?

Welcome Bonus

Both credit cards offer a welcome bonus.

By signing up for the RBC Avion Visa Infinite Card, you can earn up to 70,000 Avion points worth up to $1,500 (15,000 of them arrive at your account anniversary), for applications received by November 25, 2026:

35,000 Avion points on approval
20,000 additional Avion points after spending $5,000 on the card within the first six months

With the CIBC Aventura^® Visa* Infinite Card, you’ll earn up to 60,000 Aventura Points:

15,000 Aventura points after your first purchase
30,000 Aventura points if you spend $3,000 or more in total during the period covered by your first 4 monthly statements
15,000 Aventura points if you have at least $5,000 in net purchases posted to your account during the period covered by your first 4 monthly statements

In addition, it offers a one-time refund of the annual fee ($139) to the primary cardholder.

Then, if there are up to three authorized users, another $50 annual fee refund is available for each.

According to CIBC, the 60,000 points are worth up to $1,200 in travel, and the annual fee refunds up to $189.

Advantage: RBC Avion Visa Infinite Card

The 35,000 base Avion points offered by the RBC Avion Visa Infinite Card are extremely easy to earn, and you could get up to 20,000 additional points within the first six months by spending $5,000, for up to 55,000 points in the first six months, plus 15,000 more at your account anniversary.

Exclusive Benefits and Savings

Thanks to certain partners, credit cards offer more points or useful discounts for everyday purchases.

The RBC Avion Visa Infinite Card has exclusive benefits for Visa Infinite cardholders.

Luxury Hotel Collection and its VIP benefits
Culinary experiences in top restaurants
Experiences in wine regions
Free concierge service

This card also entitles you to:

3 cents per liter savings and 20% more points at Petro-Canada
50 Be Well points per dollar at Rexall
Free 12-month subscription to Doordash DashPass
Tons of points and rebate offers at various retailers with RBC offers

The CIBC Aventura^® Visa Infinite* Card has the same Visa Infinite benefits as its competitor.

Luxury Hotel Collection and its VIP benefits
Culinary experiences in top restaurants
Experiences in wine regions
Free concierge service

In addition, it offers:

Link your card to Journie Rewards to save up to 10 cents per litre on fuel at Ultramar, Pioneer, Fas Gas, and Chevron.
Reimbursement of NEXUS membership fees ($160 value)

Advantage: RBC Avion Visa Infinite Card

For both its travel benefits and offers as well as in everyday life, the RBC Avion Visa Infinite Card wins this round.

Access to airport VIP lounges

Having access to an airport lounge before a flight is a comfort to be discovered.

The RBC Avion Visa Infinite Card does not offer membership or access to airport lounges.

This card gives you 4 free visits to airport lounges through the Visa Airport Companion Program.

Advantage: CIBC Aventura Visa Infinite Card

Between the two, only the CIBC Aventura^® Visa* Card offers free access to airport lounges.

After the 4 free visits, admission to lounge costs US$32.

Earning Reward Points

Both credit cards offer purchase categories that allow you to earn more rewards points.

Purchase categories for travel

The RBC Avion Visa Infinite Card has a rate of 1.25 Avion points per dollar for travel purchases.

Travel” expenses include those incurred with :

of an airline
of a hotel
a tour operator, cruise line or travel agency
and a car rental company.

This has a value of 1.25%.

With the CIBC Aventura^® Visa Infinite* Card, you earn :

2 points / dollar of travel purchases made with CIBC by Expedia.

This is a 2% value.

Advantage: CIBC Aventura Visa Infinite Card but …

The point accumulation value for travel expenses is better with the CIBC Aventura^® Visa Infinite* Card with 2%.

However, the big drawback is that this expense must be done directly with the CIBC travel agency.

For more flexibility and without any ties, the RBC Avion Visa Infinite Card is the best.

Basic Earning Level

Outside these accelerated purchase categories, the RBC Avion Visa Infinite Card and the CIBC Aventura^® Visa Infinite* Card offer a basic accumulation rate.

With the RBC Avion Visa Infinite Cardyou can earn 1 point per dollar on all other purchases.

This is a 1% value.

With the CIBC Aventura^® Visa Infinite* Card, you earn :

1.5 points / dollar spent at gas stations, grocery stores and drug stores
1 point / dollar spent on the rest

This represents a value between 1% and 1.5%.

Advantage: CIBC Aventura Visa Infinite Card

The CIBC Aventura^® Visa Infinite* Card provides more value for everyday expenses such as gas, groceries and drugstore.

Redeeming Points

Both cards are reward point cards, mainly for travel.

However, the loyalty programs are completely different:

Avion Rewards for the RBC Avion Visa Infinite Card
CIBC Aventura Rewards for the CIBC Aventura^® Visa Infinite* Card

Points redeemed for trips purchased with the card

You can use the points from both credit cards for travel.

With the RBC Avion Visa Infinite Card, you can apply your points to travel purchases.

The redemption rate is:

100 points = $1 for purchases of your choice that you make yourself, directly at the hotel or for airline tickets, cruises, car rentals, etc.

Or, via the Avion Rewards site which acts as a travel agency, choose the airline, the one-way or round-trip flight, and the date of your choice. There are no blackout periods or reservations imposed, even during high season.

15,000 points

Flight within a province or neighbouring state. Maximum ticket price: $350

35,000 points

Fly anywhere in Canada or the United States (except Hawaii and Alaska). Maximum ticket price: $750

60,000 points

Western Canada or the United States to Mexico, Hawaii or Alaska. Eastern Canada to Bermuda, Central America or the Caribbean. Maximum ticket price: $900

55,000 points

Eastern Canada or the United States to Mexico, Hawaii or Alaska. Western Canada to Bermuda, Central America or the Caribbean. Maximum ticket price: $1,100

65,000 points

Flight from Canada or United States to Europe. Maximum ticket price: $1,300

100,000 points

Fly from Canada or United States to … anywhere in the world! Maximum ticket price: $2,000

So this equals to about 2 cents per point ($350 divided by 15,000 points) on average.

With the CIBC Aventura^® Visa Infinite* Card, you can apply your points to travel purchases charged to the card.

For more flexible use, Aventura Points can be used to book any trip with the Shopping with Points option. 8,000 Aventura points will earn you a $50 Statement credit.

However, CIBC has previously cut the points required, and you could then redeem 35% fewer points. At that rate, 10,000 Aventura Points gave a $100 statement credit, a value of about 1 cent per point. CIBC no longer documents this discount on its public pages: at the standard rate, plan on 16,000 points for $100.

Another option is to use points through a fixed fare structure. Here’s their Aventura Airline Award Chart. Airfare must be booked on their CIBC site through Expedia and this has an average value of 2 cents per point.

10,000 to 20,000 points

Short-haul flight within a province or neighbouring state. Maximum ticket price: $400

25,000 to 35,000 points

Long-haul flights anywhere in Canada or the United States (except Hawaii and Alaska). Maximum ticket price: $800

40,000 to 60,000 points

To Mexico, Hawaii, Alaska, Bermuda, Central America or the Caribbean. Maximum ticket price: $1,000

50,000 to 70,000 points

From Canada and the United States to some European cities. Maximum ticket price: $1,300

75,000 to 125,000 points

Flights from Canada or the United States to select cities in Africa, Asia, Australia, New Zealand, the South Pacific, the Middle East and South America. Maximum ticket price: $2,000

Advantage: CIBC Aventura Visa Infinite Card

The 2 tariffs and their valuation are almost similar. Your choice between the 2 depends on the place of departure and the destination.

But for the best flexible exchange rate, the CIBC Aventura^® Visa Infinite* Card is the best … when CIBC offers a discount! Without a discount, you’d be better off choosing RBC Avion Visa Infinite Card.

Points for Other Rewards

The CIBC Aventura^® Visa Infinite* Card and the RBC Avion Visa Infinite Card both allow points to be used for other rewards: everyday purchases, gift cards, products, investments.

But we do not recommend these uses because of the low value.

With the RBC Avion Visa Infinite Card, you can use 12,000 points for $100 (0.83 cents per point) on:

RRSP and TFSA contributions
Repayment of a line of credit or mortgage :

You can also:

obtain a gift card from our extensive catalog: 12,000 to 14,000 points for a $100 gift card (0.71 to 0.83 cents per point)
make a donation (1 cent per point)

Finally, you can apply your points to everyday purchases: 4,300 points = $25 (0.58 cents per point)

With the CIBC Aventura^® Visa Infinite* Card, you can use 12,000 points for $100 (0.83 cents per point) on :

Paying off a mortgage or line of credit
Contribute to an RRSP or TFSA
Investment in the CIBC Investor’s Edge Portfolio

This has a value of 0.83 cents per point.

You can use 14,000 points for a $100 gift card (0.71 cents per point).

Finally, you can apply your points to everyday purchases: 4,000 points = $25 (0.63 cent per point).

IT’S A DRAW

It’s hard to tell the two cards apart in this respect: the utilization rate is poor and similar on both sides. Better to use the points for travel!

However, depending on your financial needs at the time, each can be practical. It is up to you to analyze whether you use these financial institutions in your daily operations.

Transfers to partners

Being able to transfer points to another program is a strength.

The Avion points from the RBC Avion Visa Infinite Card can be transferred to:

WestJet Rewards
American Airlines
British Airways
Asia Miles

CIBC Aventura Points cannot be transferred to another loyalty program.

Advantage: RBC Avion Visa Infinite Card

The RBC Avion Visa Infinite Card has transfer partners and thus, more possibilities!

Please note that a few times during the year, RBC offers transfer bonuses. This is a great way to further increase the value of Avion points.

Annual Fee

Both credit cards have roughly similar annual fees.

The RBC Avion Visa Infinite Card has an annual fee of $120. It is rare to have an annual fee rebate promotion for this card.

The CIBC Aventura^® Visa Infinite* Card has an annual fee of $139.

However, this card often has a first-year annual fee rebate (like right now!).

Advantage: CIBC Aventura Visa Infinite Card

For its $0 net annual fee, it’s a no-brainer.

Insurance

Both credit cards offer extensive insurance.

The RBC Avion Visa Infinite Card has very comprehensive insurance coverage. View the complete insurance booklet here:

Travel Medical Insurance	Unlimited up to 15 days
Trip Cancellation Insurance	$ 1,500 per person
Baggage Delay or Loss insurance	$ 500 per person
Trip Interruption Insurance	$ 5,000 per person
Car rental insurance	$ 65,000, up to 48 days
Purchase Insurance	90 days
Extended Warranty Insurance	1 year
Mobile Device Insurance	$ 1,500, for 1 year
Hotel/motel burglary insurance	$2,500
Travel Accident Insurance	$500,000
Flight Delay Insurance	$250 per day

The CIBC Aventura^® Visa Infinite* Card offers something similar for insurance. View the insurance summary here:

Travel Medical Insurance	$5,000,000 and 15 days
Trip Cancellation Insurance	$ 1,500 per person
Baggage Delay or Loss insurance	$ 500 per person
Trip Interruption Insurance	$ 2,000 per person
Car rental insurance	$ 65,000, up to 48 days
Purchase Insurance	90 days
Extended Warranty Insurance	1 year
Mobile Device Insurance	$ 1,000, for 2 years
Hotel/motel burglary insurance	$2,500
Travel Accident Insurance	$500,000
Flight Delay Insurance	$500

Advantage: RBC Avion Visa Infinite Card

With its slightly more generous insurance coverages, the RBC Avion Visa Infinite Card is slightly superior. The major differences are in travel medical insurance and flight delay insurance.

Minimum Income

The RBC Avion Visa Infinite Card requires:

a minimum individual income of $60,000
or $100,000 minimum family income
or total assets of $250,000 or more

To obtain a CIBC Aventura^® Visa Infinite* Card you must meet one of the following criteria

a minimum individual income of $60,000
or $100,000 minimum family income

Advantage: Draw

Since they are both Visa Infinite and Visa sets the minimum income requirements, it is only natural that they are both the same.

Conclusion

So? Which Card is the winner?

The CIBC Aventura^® Visa Infinite* Card has a slight edge with its mix of lifestyle and travel benefits:

Net annual fee of $0 for the first year ;
4 free accesses to airport lounges;
Faster accumulation rate for everyday grocery, gas and drugstore purchases;
Flexible use for travel expenses (only when CIBC offers a discount).

The RBC Avion Visa Infinite Card has excellent value, especially with its welcome offer. In addition, it is better for :

Easy to obtain welcome offer
Its superior insurance for travel and mobile devices;
Savings opportunities with exclusive offers and discounts on everyday expenses;
Avion points can be transferred to other loyalty programs.

Comparison: CIBC Aventura Visa Infinite Card vs RBC Avion Visa Infinite Card - Hsbc Nyc

It’s up to you to choose between these two excellent credit cards according to your needs!

FeaturedCompare

RBC Avion Visa Infinite Card

RBC RBC Avion Rewards - Elite

Annual fee: $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$935Total$935$255 deferred bonus, excluded from the first-year estimate and not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $935
Welcome offer35,000 points after approval; 20,000 after $5,000 in eligible transactions within 6 months; 15,000 credited 12–16 weeks after the first account anniversary. Eligible account must remain open and in good standing; offer terms and posting times apply.: Up to 70,000 points; Ends Nov 25, 2026

For a limited time, the RBC Avion Visa Infinite Card offers a welcome bonus of up to 70,000 Avion points, worth up to $1,500 in travel.

35,000 points upon approval of your application
20,000 points when you charge $5,000 in purchases to your account within the first six months
15,000 points credited 12–16 weeks after the first account anniversary, provided the account is open and in good standing when the points are credited

The annual fee is $120.

Legal

Refer to RBC page for up to date offer terms and conditions

7 Coverage underwritten by RBC Insurance Company of Canada. Please refer to the insurance certificate for complete details. rbc-visa-infinite-avion-certificate-of-insurance.pdf

9 Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.

Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on an Eligible RBC Credit Card account.

12 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

6 Months Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

Annual fee

Primary card$120

Additional card$50

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

1.25xTravel
1xAll spending

Value

1st Year Value$1,312

2nd Year Value$271

Transfer partners

American Airlines AAdvantageAirline
British Airways ClubAirline
Cathay Asia MilesAirline
WestJet RewardsAirline

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Unlimited / 15 days

Travel medical (55-64)Unlimited / 15 days

Travel medical (65+)Unlimited / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $5,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,500 / 1 years

Auto Rental CollisionUp to $65,000 / 48 days

Compare

CIBC Aventura^® Visa Infinite* Card

CIBC CIBC Aventura First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $139
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$600Annual fee rebated$139Total$739Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $739
Welcome offerAfter $5,000 in 4 months: Up to 60,000 points

The CIBC Aventura^® Visa Infinite* Card is one of the best Visa credit cards with travel rewards.

With this offer, get up to $1,900 in value, including a first-year annual fee rebate.

CIBC has an offer with which you can earn up to 60,000 Aventura points:

15,000 Aventura Points when you make your first purchase^†
30,000 Aventura Points if you spend $3,000 or more in the first 4 monthly statement periods^†
15,000 Aventura Points if you have at least $5,000 in net purchases posted to your account in the first 4 monthly statement periods^†

In addition, you can benefit from a rebate on the first year’s annual fee for the primary card holder ($139 value) and up to three authorized users ($50 each).

With this CIBC Aventura Credit Card, you get:

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

The CIBC Aventura^® Visa Infinite* Card also offers:

Airport lounges access: Visa Airport Companion Program membership with 4 complimentary visits
Reimbursement of NEXUS membership fees ( $160 value)
A free Skip+ membership (a $110 first-year value)

The minimum annual income required for this card is $60,000 (personal) or $100,000 (household).

Legal

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

Annual fee

Primary card$139

Additional card$50

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

1.5xPharmacy
1.5xGroceries
1.5xGas
1xAll spending

Value

1st Year Value$957

2nd Year Value$359

Card benefits

Airport lounge access$160

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days

Travel medical (55-64)Up to $5,000,000 / 15 days

Travel medical (65+)Up to $5,000,000 / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $2,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

Auto Rental CollisionUp to $65,000 / 48 days

Frequently Asked Questions about the Aventura CIBC Visa Infinite vs RBC Avion Visa Infinite comparison

Here are frequently asked questions in the milesopedia community about this card.

Which welcome bonus is more attractive: Aventura or Avion?

Both bonuses are close, but with different structures:

CIBC Aventura Visa Infinite: up to 60,000 points, plus a first-year rebate ($139) and authorized-user credits, worth about $1,200 in travel according to CIBC, plus up to $189 in refunded annual fees
RBC Avion Visa Infinite: up to 70,000 points (35,000 on approval, 20,000 after $5,000 in purchases within 6 months and 15,000 at your account anniversary), worth about $1,500

Avion keeps the edge on raw value (up to $1,500, against $1,200 in travel according to CIBC). Aventura still has two advantages: its full bonus arrives within the first year, without waiting for the account anniversary, and the annual fee rebate lightens your first year.

What are the annual fees and points earning rates?

The structures differ depending on the card:

CIBC Aventura Visa Infinite: $139 annual fee (often rebated the first year as a promotion). 2 points/$ on travel booked through CIBC by Expedia, 1.5 points/$ on gas, groceries, and pharmacy, and 1 point/$ everywhere else
RBC Avion Visa Infinite: $120 annual fee (rarely rebated). 1.25 points/$ on travel and 1 point/$ everywhere else

Aventura earns faster on everyday categories (groceries, gas) thanks to the 1.5x rate.

Which card offers airport lounge access?

Only the Aventura CIBC Visa Infinite offers lounge access: 4 free visits per year through the Visa Airport Companion program. The Avion RBC Visa Infinite does not include any lounge access. If you travel 4 to 6 times per year, those 4 visits represent $120 to $200 in value (USD 32 per paid visit at the Priority Pass rate). For frequent travellers who want lounge access, Aventura is clearly the better deal, or you’ll need to move up to the Visa Infinite Privilege level.

Which card should you choose between Aventura and Avion?

A simple rule based on your profile:

Choose the CIBC Aventura Visa Infinite if you want everyday earning (groceries, gas, and pharmacy at 1.5x), lounge access, and a welcome offer with the first-year fee rebated
Choose the RBC Avion Visa Infinite if you want transfer flexibility (WestJet, American Airlines, British Airways Avios) and slightly stronger travel insurance for pre-existing conditions

On a pure bonus + everyday spending calculation, Aventura comes out ahead for most Canadians.

RBC and CIBC each offer a travel rewards credit card:

FeaturedCompare

RBC Avion Visa Infinite Card

RBC RBC Avion Rewards - Elite

Annual fee: $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$935Total$935$255 deferred bonus, excluded from the first-year estimate and not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $935
Welcome offer35,000 points after approval; 20,000 after $5,000 in eligible transactions within 6 months; 15,000 credited 12–16 weeks after the first account anniversary. Eligible account must remain open and in good standing; offer terms and posting times apply.: Up to 70,000 points; Ends Nov 25, 2026

For a limited time, the RBC Avion Visa Infinite Card offers a welcome bonus of up to 70,000 Avion points, worth up to $1,500 in travel.

35,000 points upon approval of your application
20,000 points when you charge $5,000 in purchases to your account within the first six months
15,000 points credited 12–16 weeks after the first account anniversary, provided the account is open and in good standing when the points are credited

The annual fee is $120.

Legal

Refer to RBC page for up to date offer terms and conditions

7 Coverage underwritten by RBC Insurance Company of Canada. Please refer to the insurance certificate for complete details. rbc-visa-infinite-avion-certificate-of-insurance.pdf

9 Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.

Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on an Eligible RBC Credit Card account.

12 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

6 Months Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

Annual fee

Primary card$120

Additional card$50

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

1.25xTravel
1xAll spending

Value

1st Year Value$1,312

2nd Year Value$271

Transfer partners

American Airlines AAdvantageAirline
British Airways ClubAirline
Cathay Asia MilesAirline
WestJet RewardsAirline

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Unlimited / 15 days

Travel medical (55-64)Unlimited / 15 days

Travel medical (65+)Unlimited / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $5,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,500 / 1 years

Auto Rental CollisionUp to $65,000 / 48 days

Compare

CIBC Aventura^® Visa Infinite* Card

CIBC CIBC Aventura First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $139
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$600Annual fee rebated$139Total$739Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $739
Welcome offerAfter $5,000 in 4 months: Up to 60,000 points

The CIBC Aventura^® Visa Infinite* Card is one of the best Visa credit cards with travel rewards.

With this offer, get up to $1,900 in value, including a first-year annual fee rebate.

CIBC has an offer with which you can earn up to 60,000 Aventura points:

15,000 Aventura Points when you make your first purchase^†
30,000 Aventura Points if you spend $3,000 or more in the first 4 monthly statement periods^†
15,000 Aventura Points if you have at least $5,000 in net purchases posted to your account in the first 4 monthly statement periods^†

In addition, you can benefit from a rebate on the first year’s annual fee for the primary card holder ($139 value) and up to three authorized users ($50 each).

With this CIBC Aventura Credit Card, you get:

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

The CIBC Aventura^® Visa Infinite* Card also offers:

Airport lounges access: Visa Airport Companion Program membership with 4 complimentary visits
Reimbursement of NEXUS membership fees ( $160 value)
A free Skip+ membership (a $110 first-year value)

The minimum annual income required for this card is $60,000 (personal) or $100,000 (household).

Legal

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

Annual fee

Primary card$139

Additional card$50

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

1.5xPharmacy
1.5xGroceries
1.5xGas
1xAll spending

Value

1st Year Value$957

2nd Year Value$359

Card benefits

Airport lounge access$160

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days

Travel medical (55-64)Up to $5,000,000 / 15 days

Travel medical (65+)Up to $5,000,000 / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $2,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

Auto Rental CollisionUp to $65,000 / 48 days

Let’s look at each of their features in detail, to distinguish these two credit cards. Apart from their almost identical name, what are their differences?

Welcome Bonus

Both credit cards offer a welcome bonus.

35,000 Avion points on approval
20,000 additional Avion points after spending $5,000 on the card within the first six months

With the CIBC Aventura^® Visa* Infinite Card, you’ll earn up to 60,000 Aventura Points:

15,000 Aventura points after your first purchase
30,000 Aventura points if you spend $3,000 or more in total during the period covered by your first 4 monthly statements
15,000 Aventura points if you have at least $5,000 in net purchases posted to your account during the period covered by your first 4 monthly statements

In addition, it offers a one-time refund of the annual fee ($139) to the primary cardholder.

Then, if there are up to three authorized users, another $50 annual fee refund is available for each.

According to CIBC, the 60,000 points are worth up to $1,200 in travel, and the annual fee refunds up to $189.

Advantage: RBC Avion Visa Infinite Card

Exclusive Benefits and Savings

Thanks to certain partners, credit cards offer more points or useful discounts for everyday purchases.

The RBC Avion Visa Infinite Card has exclusive benefits for Visa Infinite cardholders.

Luxury Hotel Collection and its VIP benefits
Culinary experiences in top restaurants
Experiences in wine regions
Free concierge service

This card also entitles you to:

3 cents per liter savings and 20% more points at Petro-Canada
50 Be Well points per dollar at Rexall
Free 12-month subscription to Doordash DashPass
Tons of points and rebate offers at various retailers with RBC offers

The CIBC Aventura^® Visa Infinite* Card has the same Visa Infinite benefits as its competitor.

Luxury Hotel Collection and its VIP benefits
Culinary experiences in top restaurants
Experiences in wine regions
Free concierge service

In addition, it offers:

Link your card to Journie Rewards to save up to 10 cents per litre on fuel at Ultramar, Pioneer, Fas Gas, and Chevron.
Reimbursement of NEXUS membership fees ($160 value)

Advantage: RBC Avion Visa Infinite Card

For both its travel benefits and offers as well as in everyday life, the RBC Avion Visa Infinite Card wins this round.

Access to airport VIP lounges

Having access to an airport lounge before a flight is a comfort to be discovered.

The RBC Avion Visa Infinite Card does not offer membership or access to airport lounges.

This card gives you 4 free visits to airport lounges through the Visa Airport Companion Program.

Advantage: CIBC Aventura Visa Infinite Card

Between the two, only the CIBC Aventura^® Visa* Card offers free access to airport lounges.

After the 4 free visits, admission to lounge costs US$32.

Earning Reward Points

Both credit cards offer purchase categories that allow you to earn more rewards points.

Purchase categories for travel

The RBC Avion Visa Infinite Card has a rate of 1.25 Avion points per dollar for travel purchases.

Travel” expenses include those incurred with :

of an airline
of a hotel
a tour operator, cruise line or travel agency
and a car rental company.

This has a value of 1.25%.

With the CIBC Aventura^® Visa Infinite* Card, you earn :

2 points / dollar of travel purchases made with CIBC by Expedia.

This is a 2% value.

Advantage: CIBC Aventura Visa Infinite Card but …

The point accumulation value for travel expenses is better with the CIBC Aventura^® Visa Infinite* Card with 2%.

However, the big drawback is that this expense must be done directly with the CIBC travel agency.

For more flexibility and without any ties, the RBC Avion Visa Infinite Card is the best.

Basic Earning Level

Outside these accelerated purchase categories, the RBC Avion Visa Infinite Card and the CIBC Aventura^® Visa Infinite* Card offer a basic accumulation rate.

With the RBC Avion Visa Infinite Cardyou can earn 1 point per dollar on all other purchases.

This is a 1% value.

With the CIBC Aventura^® Visa Infinite* Card, you earn :

1.5 points / dollar spent at gas stations, grocery stores and drug stores
1 point / dollar spent on the rest

This represents a value between 1% and 1.5%.

Advantage: CIBC Aventura Visa Infinite Card

The CIBC Aventura^® Visa Infinite* Card provides more value for everyday expenses such as gas, groceries and drugstore.

Redeeming Points

Both cards are reward point cards, mainly for travel.

However, the loyalty programs are completely different:

Avion Rewards for the RBC Avion Visa Infinite Card
CIBC Aventura Rewards for the CIBC Aventura^® Visa Infinite* Card

Points redeemed for trips purchased with the card

You can use the points from both credit cards for travel.

With the RBC Avion Visa Infinite Card, you can apply your points to travel purchases.

The redemption rate is:

100 points = $1 for purchases of your choice that you make yourself, directly at the hotel or for airline tickets, cruises, car rentals, etc.

15,000 points

Flight within a province or neighbouring state. Maximum ticket price: $350

35,000 points

Fly anywhere in Canada or the United States (except Hawaii and Alaska). Maximum ticket price: $750

60,000 points

Western Canada or the United States to Mexico, Hawaii or Alaska. Eastern Canada to Bermuda, Central America or the Caribbean. Maximum ticket price: $900

55,000 points

Eastern Canada or the United States to Mexico, Hawaii or Alaska. Western Canada to Bermuda, Central America or the Caribbean. Maximum ticket price: $1,100

65,000 points

Flight from Canada or United States to Europe. Maximum ticket price: $1,300

100,000 points

Fly from Canada or United States to … anywhere in the world! Maximum ticket price: $2,000

So this equals to about 2 cents per point ($350 divided by 15,000 points) on average.

With the CIBC Aventura^® Visa Infinite* Card, you can apply your points to travel purchases charged to the card.

For more flexible use, Aventura Points can be used to book any trip with the Shopping with Points option. 8,000 Aventura points will earn you a $50 Statement credit.

10,000 to 20,000 points

Short-haul flight within a province or neighbouring state. Maximum ticket price: $400

25,000 to 35,000 points

Long-haul flights anywhere in Canada or the United States (except Hawaii and Alaska). Maximum ticket price: $800

40,000 to 60,000 points

To Mexico, Hawaii, Alaska, Bermuda, Central America or the Caribbean. Maximum ticket price: $1,000

50,000 to 70,000 points

From Canada and the United States to some European cities. Maximum ticket price: $1,300

75,000 to 125,000 points

Flights from Canada or the United States to select cities in Africa, Asia, Australia, New Zealand, the South Pacific, the Middle East and South America. Maximum ticket price: $2,000

Advantage: CIBC Aventura Visa Infinite Card

The 2 tariffs and their valuation are almost similar. Your choice between the 2 depends on the place of departure and the destination.

Points for Other Rewards

The CIBC Aventura^® Visa Infinite* Card and the RBC Avion Visa Infinite Card both allow points to be used for other rewards: everyday purchases, gift cards, products, investments.

But we do not recommend these uses because of the low value.

With the RBC Avion Visa Infinite Card, you can use 12,000 points for $100 (0.83 cents per point) on:

RRSP and TFSA contributions
Repayment of a line of credit or mortgage :

You can also:

obtain a gift card from our extensive catalog: 12,000 to 14,000 points for a $100 gift card (0.71 to 0.83 cents per point)
make a donation (1 cent per point)

Finally, you can apply your points to everyday purchases: 4,300 points = $25 (0.58 cents per point)

With the CIBC Aventura^® Visa Infinite* Card, you can use 12,000 points for $100 (0.83 cents per point) on :

Paying off a mortgage or line of credit
Contribute to an RRSP or TFSA
Investment in the CIBC Investor’s Edge Portfolio

This has a value of 0.83 cents per point.

You can use 14,000 points for a $100 gift card (0.71 cents per point).

Finally, you can apply your points to everyday purchases: 4,000 points = $25 (0.63 cent per point).

IT’S A DRAW

It’s hard to tell the two cards apart in this respect: the utilization rate is poor and similar on both sides. Better to use the points for travel!

However, depending on your financial needs at the time, each can be practical. It is up to you to analyze whether you use these financial institutions in your daily operations.

Transfers to partners

Being able to transfer points to another program is a strength.

The Avion points from the RBC Avion Visa Infinite Card can be transferred to:

WestJet Rewards
American Airlines
British Airways
Asia Miles

CIBC Aventura Points cannot be transferred to another loyalty program.

Advantage: RBC Avion Visa Infinite Card

The RBC Avion Visa Infinite Card has transfer partners and thus, more possibilities!

Please note that a few times during the year, RBC offers transfer bonuses. This is a great way to further increase the value of Avion points.

Annual Fee

Both credit cards have roughly similar annual fees.

The RBC Avion Visa Infinite Card has an annual fee of $120. It is rare to have an annual fee rebate promotion for this card.

The CIBC Aventura^® Visa Infinite* Card has an annual fee of $139.

However, this card often has a first-year annual fee rebate (like right now!).

Advantage: CIBC Aventura Visa Infinite Card

For its $0 net annual fee, it’s a no-brainer.

Insurance

Both credit cards offer extensive insurance.

The RBC Avion Visa Infinite Card has very comprehensive insurance coverage. View the complete insurance booklet here:

Travel Medical Insurance	Unlimited up to 15 days
Trip Cancellation Insurance	$ 1,500 per person
Baggage Delay or Loss insurance	$ 500 per person
Trip Interruption Insurance	$ 5,000 per person
Car rental insurance	$ 65,000, up to 48 days
Purchase Insurance	90 days
Extended Warranty Insurance	1 year
Mobile Device Insurance	$ 1,500, for 1 year
Hotel/motel burglary insurance	$2,500
Travel Accident Insurance	$500,000
Flight Delay Insurance	$250 per day

The CIBC Aventura^® Visa Infinite* Card offers something similar for insurance. View the insurance summary here:

Travel Medical Insurance	$5,000,000 and 15 days
Trip Cancellation Insurance	$ 1,500 per person
Baggage Delay or Loss insurance	$ 500 per person
Trip Interruption Insurance	$ 2,000 per person
Car rental insurance	$ 65,000, up to 48 days
Purchase Insurance	90 days
Extended Warranty Insurance	1 year
Mobile Device Insurance	$ 1,000, for 2 years
Hotel/motel burglary insurance	$2,500
Travel Accident Insurance	$500,000
Flight Delay Insurance	$500

Advantage: RBC Avion Visa Infinite Card

With its slightly more generous insurance coverages, the RBC Avion Visa Infinite Card is slightly superior. The major differences are in travel medical insurance and flight delay insurance.

Minimum Income

The RBC Avion Visa Infinite Card requires:

a minimum individual income of $60,000
or $100,000 minimum family income
or total assets of $250,000 or more

To obtain a CIBC Aventura^® Visa Infinite* Card you must meet one of the following criteria

a minimum individual income of $60,000
or $100,000 minimum family income

Advantage: Draw

Since they are both Visa Infinite and Visa sets the minimum income requirements, it is only natural that they are both the same.

Conclusion

So? Which Card is the winner?

The CIBC Aventura^® Visa Infinite* Card has a slight edge with its mix of lifestyle and travel benefits:

Net annual fee of $0 for the first year ;
4 free accesses to airport lounges;
Faster accumulation rate for everyday grocery, gas and drugstore purchases;
Flexible use for travel expenses (only when CIBC offers a discount).

The RBC Avion Visa Infinite Card has excellent value, especially with its welcome offer. In addition, it is better for :

Easy to obtain welcome offer
Its superior insurance for travel and mobile devices;
Savings opportunities with exclusive offers and discounts on everyday expenses;
Avion points can be transferred to other loyalty programs.

It’s up to you to choose between these two excellent credit cards according to your needs!

FeaturedCompare

RBC Avion Visa Infinite Card

RBC RBC Avion Rewards - Elite

Annual fee: $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$935Total$935$255 deferred bonus, excluded from the first-year estimate and not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $935
Welcome offer35,000 points after approval; 20,000 after $5,000 in eligible transactions within 6 months; 15,000 credited 12–16 weeks after the first account anniversary. Eligible account must remain open and in good standing; offer terms and posting times apply.: Up to 70,000 points; Ends Nov 25, 2026

For a limited time, the RBC Avion Visa Infinite Card offers a welcome bonus of up to 70,000 Avion points, worth up to $1,500 in travel.

35,000 points upon approval of your application
20,000 points when you charge $5,000 in purchases to your account within the first six months
15,000 points credited 12–16 weeks after the first account anniversary, provided the account is open and in good standing when the points are credited

The annual fee is $120.

Legal

Refer to RBC page for up to date offer terms and conditions

7 Coverage underwritten by RBC Insurance Company of Canada. Please refer to the insurance certificate for complete details. rbc-visa-infinite-avion-certificate-of-insurance.pdf

9 Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.

Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on an Eligible RBC Credit Card account.

12 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

6 Months Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:

Annual fee

Primary card$120

Additional card$50

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

1.25xTravel
1xAll spending

Value

1st Year Value$1,312

2nd Year Value$271

Transfer partners

American Airlines AAdvantageAirline
British Airways ClubAirline
Cathay Asia MilesAirline
WestJet RewardsAirline

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Unlimited / 15 days

Travel medical (55-64)Unlimited / 15 days

Travel medical (65+)Unlimited / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $5,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,500 / 1 years

Auto Rental CollisionUp to $65,000 / 48 days

Compare

CIBC Aventura^® Visa Infinite* Card

CIBC CIBC Aventura First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $139
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$600Annual fee rebated$139Total$739Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $739
Welcome offerAfter $5,000 in 4 months: Up to 60,000 points

The CIBC Aventura^® Visa Infinite* Card is one of the best Visa credit cards with travel rewards.

With this offer, get up to $1,900 in value, including a first-year annual fee rebate.

CIBC has an offer with which you can earn up to 60,000 Aventura points:

15,000 Aventura Points when you make your first purchase^†
30,000 Aventura Points if you spend $3,000 or more in the first 4 monthly statement periods^†
15,000 Aventura Points if you have at least $5,000 in net purchases posted to your account in the first 4 monthly statement periods^†

In addition, you can benefit from a rebate on the first year’s annual fee for the primary card holder ($139 value) and up to three authorized users ($50 each).

With this CIBC Aventura Credit Card, you get:

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

The CIBC Aventura^® Visa Infinite* Card also offers:

Airport lounges access: Visa Airport Companion Program membership with 4 complimentary visits
Reimbursement of NEXUS membership fees ( $160 value)
A free Skip+ membership (a $110 first-year value)

The minimum annual income required for this card is $60,000 (personal) or $100,000 (household).

Legal

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

Annual fee

Primary card$139

Additional card$50

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

1.5xPharmacy
1.5xGroceries
1.5xGas
1xAll spending

Value

1st Year Value$957

2nd Year Value$359

Card benefits

Airport lounge access$160

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days

Travel medical (55-64)Up to $5,000,000 / 15 days

Travel medical (65+)Up to $5,000,000 / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $2,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

Auto Rental CollisionUp to $65,000 / 48 days

Frequently Asked Questions about the Aventura CIBC Visa Infinite vs RBC Avion Visa Infinite comparison

Here are frequently asked questions in the milesopedia community about this card.

Which welcome bonus is more attractive: Aventura or Avion?

Both bonuses are close, but with different structures:

CIBC Aventura Visa Infinite: up to 60,000 points, plus a first-year rebate ($139) and authorized-user credits, worth about $1,200 in travel according to CIBC, plus up to $189 in refunded annual fees
RBC Avion Visa Infinite: up to 70,000 points (35,000 on approval, 20,000 after $5,000 in purchases within 6 months and 15,000 at your account anniversary), worth about $1,500

What are the annual fees and points earning rates?

The structures differ depending on the card:

CIBC Aventura Visa Infinite: $139 annual fee (often rebated the first year as a promotion). 2 points/$ on travel booked through CIBC by Expedia, 1.5 points/$ on gas, groceries, and pharmacy, and 1 point/$ everywhere else
RBC Avion Visa Infinite: $120 annual fee (rarely rebated). 1.25 points/$ on travel and 1 point/$ everywhere else

Aventura earns faster on everyday categories (groceries, gas) thanks to the 1.5x rate.

Which card offers airport lounge access?

Which card should you choose between Aventura and Avion?

A simple rule based on your profile:

Choose the CIBC Aventura Visa Infinite if you want everyday earning (groceries, gas, and pharmacy at 1.5x), lounge access, and a welcome offer with the first-year fee rebated
Choose the RBC Avion Visa Infinite if you want transfer flexibility (WestJet, American Airlines, British Airways Avios) and slightly stronger travel insurance for pre-existing conditions

On a pure bonus + everyday spending calculation, Aventura comes out ahead for most Canadians.

Head to Head: CIBC Aventura Visa Infinite Card vs RBC Avion Visa Infinite Card

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Transfer partners

Card benefits

Travel insurance

Purchase protection

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Card benefits

Travel insurance

Purchase protection

Welcome Bonus

Advantage: RBC Avion Visa Infinite Card

Exclusive Benefits and Savings

Advantage: RBC Avion Visa Infinite Card

Access to airport VIP lounges

Advantage: CIBC Aventura Visa Infinite Card

Earning Reward Points

Purchase categories for travel

Advantage: CIBC Aventura Visa Infinite Card but …

Basic Earning Level

Advantage: CIBC Aventura Visa Infinite Card

Redeeming Points

Points redeemed for trips purchased with the card

Advantage: CIBC Aventura Visa Infinite Card

Points for Other Rewards

IT’S A DRAW

Transfers to partners

Advantage: RBC Avion Visa Infinite Card

Annual Fee

Advantage: CIBC Aventura Visa Infinite Card

Insurance

Advantage: RBC Avion Visa Infinite Card

Minimum Income

Advantage: Draw

Conclusion

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Transfer partners

Card benefits

Travel insurance

Purchase protection

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Card benefits

Travel insurance

Purchase protection

Frequently Asked Questions about the Aventura CIBC Visa Infinite vs RBC Avion Visa Infinite comparison

Which welcome bonus is more attractive: Aventura or Avion?

What are the annual fees and points earning rates?

Which card offers airport lounge access?

Which card should you choose between Aventura and Avion?

Our editorial integrity

Comments from our members

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Transfer partners

Card benefits

Travel insurance

Purchase protection

Annual fee

Annual income required

Conversion fees

Earning rate