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CIBC Aventura Visa Infinite Privilege Card review

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CIBC Aventura Visa Infinite Privilege Card
Welcome Offer
80,000 points
Rewards
Up to 3 points per $1 spent
Annual Fee
$499
Purchase Interest Rate
20.99%
Cash Advance Rate
22.99%
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Summary

Book your flights and get the best of every world when you sign up for this exclusive travel card.

Earn 50,000 Aventura Points when you spend $3,000 or more during your first 4 monthly statement periods. Also, in your first year, you can earn an additional 2,500 Aventura Points each monthly statement period in which you spend at least $2,000. That’s up to 30,000 points.

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The CIBC Aventura Visa Infinite Privilege Card offers exceptional travel benefits and a high return on Aventura Points. You can Earn 3 points whenever you spend money on travel with the CIBC rewards centre, earn 2 points for every dollar you spend on daily purchases like gas and groceries and 1.25 points for every $1 spent on all other purchases. You’ll also get a generous welcome bonus and a travel credit when you sign up.

30-second take

  • Think about this card if you’re a frequent flyer and you want to take advantage of exclusive rewards.
  • Choose something else if you want a low interest rate or you’d rather not pay an annual fee.
  • You’ll need to have a household income of $200,000 to apply for this credit card.

The basics

If you’re looking for the ultimate travel card with all the bells and whistles, then you might like to check out the CIBC Aventura Visa Infinite Privilege Card.

  • Decent return. Earn 3 Aventura Points on travel with the CIBC Rewards Centre, 2 points for every $1 spent on daily purchases like gas, groceries and transportation, and 1.25 points for every $1 spent on all other purchases..
  • Promotional offer. Earn 50,000 Aventura Points when you spend $3,000 or more during your first 4 monthly statement periods. Also, in your first year, you can earn an additional 2,500 Aventura Points each monthly statement period in which you spend at least $2,000. That’s up to 30,000 points.
  • Priority lounge access. Gain access to 1,200+ airport lounges with 6 free visits per year (and a discounted fee to enter after that).
  • Travel medical insurance. Avoid paying for third-party travel medical insurance with full coverage on your card for the first 31 days of your trip.
  • Travel benefits. Protect against losses with additional trip interruption, hotel burglary, baggage and flight delay insurance.

The perks

  • Nexus fee rebate. Apply for fast border crossings between the US and Canada and get your fee rebated up to two times.
  • Exclusive business class bookings. Get access to exclusive bookings for first-class seats that are only available to CIBC Aventura Visa Infinite Privilege cardholders.
  • Car rental insurance. Get up to 25% off car rentals at participating Avis and Budget locations worldwide when you pay with your Aventura card.
  • Metal card. Get a high-quality metal card to set yourself apart from the crowd whenever you pay for purchases with your card.
  • Gas rebates. Link your Journie Rewards card with your Aventura card to save money every time you fill up at Chevron, Ultramar and Pioneer gas stations.
  • Mobile device insurance. Get up to $1,500 to cover the cost of replacing your cell phone in the event of loss, damage or theft.
  • Purchase protection. Rest easy with purchase insurance and extended warranty coverage on the products you buy with your card.

What to watch out for

  • Annual fee. It costs $499 per year to maintain this card.
  • High interest. You’ll pay as much as 20.99% interest on outstanding balances and 22.99% (21.99% for Quebec residents) for cash advances.
  • Fee for additional cards. Every additional card that you add to your account will cost $99.
  • High minimum income. You’ll need to make at least $200,000 per year in household income to qualify for this card.

CIBC Aventura Visa Infinite Privilege Card interest rates

Interest TypeInterest Rate
Purchase interest rate20.99%
Cash advance rate22.99%
Standard balance transfer rate22.99%

What should I know before I apply?

Eligibility requirements

To apply for a CIBC Aventura Visa Infinite Privilege Card, you need to meet the following criteria:

  • Be a Canadian citizen or permanent resident who is at least 18 years old (19 in some provinces)
  • Earn a minimum household income of $200,000

Required documents and information

  • Your name, residential status and contact information
  • Your Social Insurance Number (SIN) and date of birth
  • Your email address and phone number

How to apply

  1. Go to the CIBC Aventura Visa Infinite Privilege Card application on CIBC’s website.
  2. Complete the application, which includes providing your name, email address, Social Insurance Number (SIN) and birth date.
  3. Submit proof of income and other required documentation to qualify.

Bottom line

If you travel regularly and want to earn flexible points for daily purchases, the CIBC Aventura Visa Infinite Privilege Card could be a good fit for you. This card comes with a generous welcome bonus, comprehensive travel insurance and a number of additional perks such as mobile phone insurance and car rental discounts. Just be aware that the annual fee is steep and you’ll need a high household income to qualify for this card.

Compare other credit cards

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
RBC ION Visa
3,500 points
1.5 points per $1 spent
20.99%
$0
Min. recommended credit score: 660
Get 3,500 Avion points when you get approved for the card.
Neo Credit Mastercard
Get $25.00 + up to 15% cash back
Average 5% cash back
19.99% - 29.99%
$0
Min. recommended credit score: 600
Get $25 when you sign up for the Neo Financial Mastercard. Plus, earn bonuses like 15% cashback on your first purchase at most partners, and earn an average of 5% cashback at thousands of partners and at least 0.5% cashback guaranteed.
Tangerine World Mastercard
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2024. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
American Express Cobalt Card
15,000 points
Up to 5x points per $1 spent
20.99%
$155.88
Min. recommended credit score: 700
Earn up to 15,000 Membership Rewards points in your first year. Earn 1,250 Membership Rewards points for each monthly billing period in which you spend $750 in purchases. That’s up to $150 towards a weekend getaway or concert tickets.
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
20.99%
$0
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,500). Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances.
Tangerine Money-Back Credit Card
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2024. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
RBC Cash Back Mastercard
N/A
Up to 2% cash back
20.99%
$0
Min. recommended credit score: 650
RBC ION+ Visa
7,000 points
3 points per $1 spent
20.99%
$48
Min. recommended credit score: 660
Get up to 7,000 welcome points. Get 3,500 points on approval and earn 3,500 bonus points when you spend $500 in your first 3 months.
BMO Preferred Rate Mastercard
0.99% rate on balance transfers for 9 months
N/A
13.99%
$0 annual fee for the first year ($29 thereafter)
Min. recommended credit score: 660
Get a rate of 0.99% on balance transfers for 9 months with a 2% transfer fee. Plus, get the $29 annual fee waived in the first year.
BMO eclipse rise Visa Card
25,000
Up to 5 points per $2 spent
20.99%
$0
Min. recommended credit score: 660
Earn up to 25,000 bonus points.
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