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CIBC Aventura Visa Card for Students review

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Get a decent return on travel rewards and earn student discounts when you sign up for this fee-free card. 

Get up to 2,500 bonus Aventura Points when you sign up and complete a series of simple tasks.

19.99%

Purchase Interest Rate

$0

Annual Fee

Please note: All information about CIBC Aventura Visa Card for Students has been collected independently by Finder and this card is not available through this site.

The CIBC Aventura Visa Card for Students offers a decent return on travel rewards with no annual fee. You’ll collect 1 Aventura Point for every $1 you spend on gas, groceries and other daily essentials and 1 Point for every $2 you spend on everything else. This card also comes with a free SPC membership, purchase protection, car rental insurance and a generous welcome offer.

30-second take

  • Think about this card if you want flexible rewards and no annual fee.
  • Choose something else if you want low interest rates and cashback.
  • There are no minimum income requirements to qualify for this card.

The basics

If you’re looking for a low-cost travel card that’s tailored to meet your needs as a student, then you might benefit from the CIBC Aventura Visa Card for Students.

  • No annual fee. Earn flexible rewards and benefits for no annual fee.
  • More points for daily purchases. Earn 1 point for every dollar you spend on daily purchases like gas and groceries.
  • Welcome offer. Get up to 2,500 bonus Aventura Points when you sign up and complete a series of simple tasks.
  • Flexible rewards. Use your points to pay for travel expenses like flights and hotels or other rewards like merchandise and gift cards.
  • Free SPC membership. Get a free Student Price Card and save money with 450 partner brands.
  • Purchase assurance. Relax knowing that your purchases are insured against loss, theft or damage for 90 days
    after you buy them.
  • Extended warranty. Extend your warranty by one year for all eligible purchases you make with your card.

The perks

  • Common carrier insurance. You’ll be insured for up to $100,000 every time you travel by plane, ferry, train or bus.
  • Car rental insurance. Get complimentary collision and damage insurance when you pay for a car rental on your card.
  • Optional payment protection. Pay an extra fee to cover your credit card payments in the event that you lose your job or get injured and can no longer work.
  • Fraud alerts. Get notified quickly about unauthorized use of your credit card with custom email and online alerts.
  • Free additional cards. Order up to three additional cards at no extra cost.
  • Tap and pay. Add your card to Apple Pay, Samsung Pay or Google Pay for quick and easy payments.
  • Enhanced security. Enjoy safe payments with encrypted chip-enabled cards and Visa Checkout services for online payments.

What to watch out for

  • Low return on points. You’ll have to spend up to $35,000 on your card to qualify for a reward of around $800 (equal to about $0.023 per point).
  • Interest rates. You’ll pay an industry standard 19.99% interest on your outstanding balances and 22.99% interest on cash advances and balance transfers.
  • No cash back. You won’t be able to exchange your points for cash in hand.
  • Strict criteria for welcome bonus. You’ll need to meet certain criteria to be eligible for a part of your welcome bonus.
  • Limited benefits. You won’t get extra benefits like extended travel medical, mobile phone insurance or roadside assistance with this card.

What criteria do I need to fill to get my welcome bonus?

If you want to collect your bonus Aventura Points when you sign up, you have to complete a laundry list of activities in your first 60 days. Each task is worth 500 points.

  • Share your email address with CIBC
  • Sign up for eStatements for your card
  • Add an authorized user to your card
  • Hold any eligible CIBC Chequing Account
  • Add your Aventura Visa card to Apple, Samsung or Google Pay

What should I know before I apply?

How to apply

  1. Head to the CIBC website to begin your application.
  2. Complete the application, which includes providing your name, email address, social insurance number and birth date.
  3. Review and submit your application.

Bottom line

If you’re a student who enjoys earning discounts on travel and other purchases, the CIBC Aventura Visa Card for Students could be a good fit for you. This card gives you a higher return on points for daily purchases like gas and groceries, and comes with a free SPC membership, flexible rewards and decent benefits.

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Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
American Express Cobalt Card
19.99%
21.99%
$120
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Earn 5 Membership Rewards points per $1 spent at eligible grocery stores, restaurants, bars, cafés and food delivery services, 2 points per $1 spent at eligible gas stations, and on transit and travel purchases, and 1 point per $1 spent elsewhere.
Earn up to 45,000 bonus Membership Rewards points. In your first year as a new Cobalt Cardmember, earn 2,500 points for each monthly billing period in which you spend $500 on your card (for a total of 30,000 points in a year). Plus, earn 15,000 points when you spend a total of $3,000 in purchases on your Card in your first 3 months. Apply by May 5, 2021.
BMO World Elite Mastercard
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22.99%
$0 annual fee for the first year ($150 thereafter)
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Get 3 BMO Rewards points per $1 spent on eligible travel, dining and entertainment purchases (up to $50,000 spend annually), and 2 points per $1 spent on all other eligible purchases (and once you reach the $50,000 annual spend).
Get up to $575 in value in your first year. Get a bonus of 40,000 BMO Rewards points ($285 travel value booked on bmorewards.com). Plus, get the $150 annual fee waived in the first year.
American Express Aeroplan Card
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Earn 2x the points on eligible purchases made directly with Air Canada and Air Canada vacations, 1.5x the points on eligible dining and food delivery purchases and 1x the points on everything else.
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Tangerine Money-Back Credit Card
19.95%
19.95%
$0
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Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
SimplyCash Preferred Card from American Express
19.99%
21.99%
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Earn 2% cash back on all eligible purchases
Earn 10% cash back on all eligible purchases (up to $400 in cash back) for the first four months of Cardmembership.
BMO Preferred Rate Mastercard
12.99%
12.99%
$20
$15,000
Take advantage of an introductory balance transfer offer, annual fee waiver in the first year, and low purchase and cash advance interest rates.
Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.
Choice Card from American Express
19.99%
23.99%
$0
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Earn 1 American Express Membership Point for every $1 you spend on purchases.
Earn 12,500 Bonus Membership Rewards points when you charge $1,250 in purchases to your card within the first 3 months as a new Cardmember. Apply by May 5, 2021.
BMO eclipse Visa Infinite
20.99%
23.99%
$0 annual fee for the first year ($120 thereafter)
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Earn x the BMO Points for every $1 spent on groceries, dining in and out, gas and transit.
Get up to 40,000 points and the $120 annual fee waived in the first year. Earn 25,000 points after you spend $3,000 in the first 3 months and get 15,000 points on your first anniversary.
American Express Aeroplan Reserve Card
19.99%
21.99%
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Earn 3x the points on eligible purchases made directly with Air Canada and Air Canada Vacations, 2x the points on eligible dining and food delivery purchases in Canada, and 1x the points on everything else.
Earn up to 65,000 Welcome Bonus Aeroplan points and a $100 Statement Credit as a new cardmember.
American Express Business Edge Card
19.99%
21.99%
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Earn 3 Membership Rewards points for every $1 spent on eligible business essentials including office supplies, electronics, rides, gas, eats and drinks (up to an annual earn of 75,000 Membership Rewards), and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
Earn up to 42,000 Membership Rewards points in your first year. Earn a Welcome Bonus of 30,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months, and earn 1,000 Membership Rewards points each month (a total of 12,000 annually) when you spend a minimum of $3,000 on eligible purchases
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Name Product Purchase Interest Rate Balance Transfer Rate Balance Transfer Fee Annual Fee Minimum Income Reward Description
BMO Preferred Rate Mastercard
12.99%
3.99% for the first 9 months (then 12.99%)
1%
$20
$15,000
Take advantage of an introductory balance transfer offer, annual fee waiver in the first year, and low purchase and cash advance interest rates.
Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.
Tangerine Money-Back Credit Card
19.95%
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Tangerine World Mastercard
19.95%
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BMO Rewards Mastercard
19.99%
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BMO AIR MILES Mastercard
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BMO CashBack Mastercard
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BMO AIR MILES Mastercard For Students
19.99%
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BMO CashBack Mastercard For Students
19.99%
1.99% for the first 9 months (then 22.99%)
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Scotia Momentum Visa Card
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Name Product Purchase Interest Rate Cash Advance Rate Cash Back Rate Annual Fee Minimum Income Reward
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Compare up to 4 providers

Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
BMO CashBack Mastercard
19.99%
22.99%
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Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
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Tangerine Money-Back Credit Card
19.95%
19.95%
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Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
Choice Card from American Express
19.99%
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Earn 1 American Express Membership Point for every $1 you spend on purchases.
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Shell AIR MILES Mastercard from BMO
19.99%
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Tangerine World Mastercard
19.95%
19.95%
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Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
Shell CashBack Mastercard from BMO
19.99%
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BMO Rewards Mastercard
19.99%
22.99%
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Get 1 BMO Reward point for every $1 spent on eligible purchases, and get 2 BMO Rewards points for every $1 spent at participating National Car Rental and Alamo Rent A Car locations.
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BMO IGA AIR MILES Mastercard
19.99%
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Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash).
BMO AIR MILES Mastercard
19.99%
22.99%
$0
$15,000
Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). Get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
BMO AIR MILES Mastercard For Students
19.99%
22.99%
$0
$15,000
Get 3x the AIR MILES for every $25 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $25 spent elsewhere.
Get 800 AIR MILES Bonus Miles (enough for $80 towards purchases with AIR MILES Cash). Get a 1.99% introductory interest rate on balance transfers for 9 months. A 1% fee applies to balance amounts transferred.
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Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Reward
BMO Preferred Rate Mastercard
12.99%
12.99%
$20
$15,000
Take advantage of an introductory balance transfer offer, annual fee waiver in the first year, and low purchase and cash advance interest rates.
Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.
HSBC +Rewards™ Mastercard®
11.9%
11.9%
$0 annual fee for the first year ($25 thereafter)
N/A
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BMO Rewards Business Mastercard
14.99%
22.99%
$0 annual fee for the first year ($120 thereafter)
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Earn 3 BMO Rewards points for every $1 you spend on gas, office supplies, cell phone bills and internet bills, and earn 1.5 BMO Rewards points for every $1 you spend elsewhere.
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Business Platinum Card from American Express
N/A
N/A
$499
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Earn 1.25 Membership Rewards points for every $1 spent on eligible purchases
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American Express Business Gold Rewards Card
N/A
N/A
$250
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Earn 2 Membership Rewards points for every $1 spent on eligible purchases at select American Express merchant suppliers in Canada (choose 3 suppliers), and earn 1 Membership Reward point for every $1 spent on eligible purchases elsewhere
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Scotiabank Value Visa Card
12.99%
12.99%
$29
$12,000
Save on interest for 6 months by consolidating your higher-rate balances with the balance transfer offer, and get an on-going 12.99% interest rate on purchases, cash advances and balance transfers.
Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by February 28, 2021.
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Frequently asked questions about the CIBC Aventura Visa Card for Students

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