🇨🇦 CIBC Aventura Visa Infinite Card

Highlights

• Eligible travel purchased through the CIBC Rewards Centre earns a total of 3x Aventura Points per $1. Taxes, insurance, service charges, and similar items are excluded.
• Gas, grocery, drugstore, and EV-charging purchases earn 1.5x on the first $80,000 of annual net account spend. After the cap, those categories earn 1x.
• Visa Airport Companion provides four complimentary lounge visits per membership year across a network of more than 1,200 lounges worldwide.
• The card includes out-of-province emergency medical, trip cancellation and interruption, car-rental, flight and baggage, mobile-device, purchase, and extended-warranty insurance.

Who it suits: This card makes sense if you book travel through the CIBC Rewards Centre, can use the lounge or NEXUS benefits, and are comfortable managing a $139 annual fee. The 1.5x categories are easier to use when your grocery, gas, and EV-charging spend is substantial. If most of your spending falls outside them, calculate the long-term value against the annual fee.

Issuer: CIBC
Payment network: Visa
Type: Credit card
Annual fee: $139 for the primary card; $50 for each supplementary card, up to three
Foreign-currency conversion fee: 2.5%

The card earns Aventura Points. You can use them for flights, hotels, car rentals, vacation packages, gift cards, merchandise, eligible purchases, and payments. Points do not expire; the available redemption methods and points required follow the CIBC Rewards Centre and the programme terms in effect at the time.

Welcome Offer

【October 26, 2026 update】 60,000 points plus first-year fee waivers for the primary card and three supplementary cards, plus a $100 fuel discount:

• First purchase: 15,000 points.
• Spend $3,000 during the first four months: 30,000 points.
• Spend $5,000 during the first four months: 15,000 points.
• The primary card and the first three supplementary cards have their first-year annual fees waived. The supplementary cards must be added when you apply.
• Apply through the targeted promotion page and, if approved, receive a discount code for 20 cents off per litre on up to 500 litres of gasoline, worth up to $100.

Official application link

【October 3, 2026 update】 Up to 60,000 Aventura Points plus first-year annual-fee rebates for the primary card and up to three supplementary cards added at application

• First purchase: 15,000 Aventura Points.
• Reach $3,000 in net purchases during the first four monthly statement periods: an additional 30,000 Aventura Points.
• Have at least $5,000 in net purchases posted during the first four monthly statement periods: an additional 15,000 Aventura Points.
• The first-year $139 primary-card fee and the $50 fee for each of up to three supplementary cards added at application are rebated. Supplementary cards added later are excluded, and the rebate generally posts within two statement periods.

This offer applies to new CIBC Aventura Visa Infinite or Aventura Gold Visa accounts applied for and approved between September 1 and November 15, 2026. Apply through the link directly provided by CIBC, a partner, or an affiliate. Opening, transferring, or cancelling another Aventura card during the previous 12 months, or transferring from another CIBC card, may make you ineligible. Bonus points are awarded within eight weeks after all qualifying purchases post, and the account must remain open and in good standing. Cash advances, Global Money Transfers, balance transfers, Convenience Cheques, interest, fees, payments, and points redemptions do not count as qualifying purchases.

Official application link🔗

Eligibility: Minimum personal annual income of $60,000 or household annual income of $100,000.

Everyday Spending

3x: Eligible travel purchased through the CIBC Rewards Centre (CIBC by Expedia) earns 3 Aventura Points per $1. Taxes, insurance, service charges, and similar items do not earn points, and travel booked by redeeming Aventura Points does not earn additional points. The product-page tile shows 2x, while the detailed footnote specifies the total rate as 3x.

1.5x: Gas, grocery, drugstore, and EV-charging purchases with MCC 5552 earn 1.5 Aventura Points per $1. The bonus applies to the first $80,000 of annual net card spend across all cardholders on the account. After the cap, these categories earn 1x. The cap resets the day after the December statement is printed. Merchant categories follow CIBC’s MCC coding, and returns affect net spend.

1x: Other eligible purchases, and purchases in the accelerated categories after the $80,000 cap, earn 1 Aventura Point per $1. Returns, cash advances, Global Money Transfers, interest, fees, balance transfers, payments, regular Convenience Cheques, and Aventura Points redemptions are excluded.

Benefits & Insurance

• Visa Airport Companion Lounge Access

The primary cardholder must enrol through the Visa Airport Companion app or website. Each membership year includes four complimentary visits, which the cardholder can use personally or for accompanying guests. Additional visits cost $32 USD per person per visit, subject to change. The network includes more than 1,200 participating lounges worldwide, and membership may be suspended if the card is cancelled or the account is no longer in good standing.

• NEXUS Application Fee Rebate

Receive up to a $200 CAD statement credit once every four years. Charge the NEXUS application fee directly to the eligible card; approval does not affect eligibility. The account must be in good standing when the fee posts.

• Flexible Aventura Point Redemptions

Redeem Aventura Points through the CIBC Rewards Centre for flights, hotels, car rentals, vacation packages, activities, merchandise, and gift cards. You can also use points for eligible card purchases or to pay down the card balance. The Aventura Airline Rewards Chart has its own route, fare, and points bands, so check the current chart before booking.

• CIBC by Expedia

CIBC by Expedia lets you book and modify flights, hotels, car rentals, vacation packages, and activities online, with 24/7 phone and online support. Expedia and other independent suppliers provide the travel services, and their booking terms apply.

• Journie Rewards Fuel Savings

Link the card to Journie Rewards and save up to 10 cents/L at participating Pioneer, Fas Gas, Ultramar, and Chevron stations. The exact saving depends on the Journie account and the current promotion terms.

• Skip+ Membership and Monthly Voucher

Link an eligible CIBC card to a Skip account to receive free Skip+ membership and $0 delivery fees. Four orders of at least $30 before tax, tip, and service fees in a calendar month can earn a $10 Monthly Voucher. The voucher generally expires after 30 days, and the linked eligible card must be used at checkout; third-party digital wallets do not count. The number of memberships and vouchers per eligible card and account follows Skip’s terms.

• Disney+ Statement Credit

Eligible primary cardholders who buy a Standard with Ads monthly Disney+ plan directly from Disney+ and pay with the card can receive a statement credit of up to $4.50 per month for up to six consecutive months, equal to 50% of the plan’s price at the time. New or returning subscribers who had no Disney+ subscription during the previous 12 months can qualify. Annual plans and payments through Apple, Google, PayPal, or another third party are excluded; the credit generally posts within 90 days.

• CIBC Global Money Transfer

Use an eligible CIBC account or card to send money to more than 120 countries with no CIBC transfer fee. For a credit-card-funded transfer, the primary cardholder’s limits are $15,000 per transaction, $40,000 per week, and $80,000 per month, subject to change. Paying the statement balance by the due date avoids interest on the credit-card-funded transfer.

• Visa Infinite Exclusive Offers and Car-Rental Discounts

Visa Infinite cardholders can view upgrades, tickets, and travel activities through Visa Infinite Exclusive Offers. The CIBC Benefits Guide also lists car-rental discounts at participating locations; check the supplier and booking terms before using them.

Travel Insurance

Official insurance certificate🔗

• Out-of-Province Emergency Travel Medical Insurance

Canadian residents travelling outside their province can receive up to $5,000,000 per insured person per trip for eligible emergency medical care. The primary cardholder, spouse, and qualifying dependent children can be covered. The usual limit is the first 15 days for travellers aged 64 or under and the first three days for travellers aged 65 or older. Global Excel assistance and pre-approval requirements apply, and unstable pre-existing conditions or non-emergency treatment may be excluded.

• Trip Cancellation Insurance

Qualifying prepaid, non-refundable, non-transferable travel arrangements must be paid with the card or Aventura Points. Coverage is up to $1,500 per insured person and $5,000 per trip for all insured persons combined. Contact the insurer promptly after the cause of cancellation occurs; pre-existing medical conditions and foreseeable events are subject to the certificate’s exclusions.

• Trip Interruption and Return-Delay Insurance

When part of the travel cost is paid with the card or points, eligible interruption or delay can be covered up to $2,000 per insured person per trip. The certificate also lists $100 per day per person for qualifying return-delay expenses, up to $1,000 per trip for all insured persons combined. Keep receipts and report the event according to the certificate.

• Car Rental Collision/Loss Damage Insurance

Charge the full rental cost, including taxes, to the card, or use points and charge the remaining amount to the card. Decline the rental company’s CDW/LDW. The vehicle MSRP must be no more than $85,000 and the continuous rental can be up to 48 days. Coverage includes the vehicle’s actual cash value and eligible loss-of-use charges, with no deductible. Report damage, loss, or theft within 48 hours. This coverage does not replace third-party liability insurance.

• Common Carrier Accident Insurance

At least 75% of the common-carrier fare, including taxes, must be charged to the card. Eligible accidents can receive up to $500,000 per person. Coverage start and end points, Canadian residency, and exclusions for illness, intentional self-harm, war, and similar events follow the certificate.

• Flight Delay Insurance

An eligible flight delayed more than four hours can qualify for up to $500 for all insured persons combined. Ground-transportation and entertainment expenses have separate sub-limits. Keep the airline’s delay confirmation and receipts.

• Delayed Checked Baggage Insurance

Checked baggage delayed more than six hours can qualify for up to $500 per person and $1,000 per occurrence for all insured persons combined. Necessary purchases must meet the certificate’s timing and receipt requirements.

• Lost or Stolen Baggage Insurance

Eligible common-carrier baggage that is lost, stolen, or damaged can qualify for up to $500 per person and $1,000 per occurrence for all insured persons combined. Payment follows the certificate’s actual-cash-value rules and exclusions.

• Hotel Burglary Insurance

When any portion of the accommodation cost is paid with the card or card points, a registered guest can receive coverage for personal items lost or damaged after a burglary. The maximum is $2,500 per burglary occurrence for all insured persons combined. Cash, gift cards, tickets, art objects, and losses caused by failing to take reasonable precautions are excluded.

Shopping Insurance

• Purchase Security Insurance

When at least part of the price of a new personal item is charged to the card, loss, theft, or physical damage within 90 days of purchase can qualify for coverage. Payment is generally limited to the lesser of the repair cost, actual cash value, or the amount charged to the card. The aggregate limit across all CIBC cards is $60,000 per cardholder. Notify the insurer within 45 days and submit a signed Loss Report within 90 days.

• Extended Protection Insurance

When the purchase conditions are met, an eligible manufacturer’s warranty can be doubled, up to one additional year. The original warranty must be valid in Canada or the United States. Dealer warranties, improper installation, and repairs not covered by the original warranty are excluded; follow the certificate’s deadlines and document requirements.

• Mobile Device Insurance

Charge the full phone price, or use a qualifying Canadian wireless-provider or BNPL financing plan and keep the required payments on the card. Loss, theft, and accidental damage are covered worldwide up to $1,000 per occurrence per insured person, after a 10% deductible and 2% depreciation for each completed month. Full-purchase coverage generally starts on day 91, while financing has separate start and end conditions. Report a claim as soon as possible and no later than 14 days after loss, and obtain approval before repairing or replacing the device.

Review

As CIBC’s flagship Aventura product, this card has a broad insurance package and flexible ways to use Aventura Points. The first year can be free, and the card offers an annual $200 NEXUS rebate plus four lounge visits. Even with a $139 annual fee, using both benefits can put the card in positive territory.

The trade-off is that Aventura Points are worth roughly 1–1.25 cents per point when redeemed outside the Aventura Airline Rewards Chart. That makes the return on the 1.5x categories and other spending less compelling unless you can use the points at a stronger value.

Past Updates

【July 9, 2025 update】 The NEXUS benefit increased from $100 to $200.