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CIBC Aventura Visa Card for Business review

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CIBC Aventura Visa Card for Business
Welcome Offer
60,000 points
Rewards
Up to 2 points per $1 spent
Annual Fee
$120
Purchase Interest Rate
Pay an additional fee and get interest rates as low as 12.99% on purchases and 14.50% on cash advances
Cash Advance Rate
21.99%
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Summary

Earn flexible rewards and a generous welcome bonus when you make purchases for your business.

Earn up to 60,000 Aventura Points. Earn 25,000 Aventura Points when you make your first purchase. Plus, get 35,000 additional anniversary bonus Aventura Points when you spend $35,000 or more during the first year.

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The CIBC Aventura Visa Card for Business offers a decent return on Aventura Points when you spend money on your business. Earn 1.5 points for every $1 spent on travel-related purchases like flights, hotels, car rentals and gas, 2 points for every dollar spent through the CIBC Rewards Centre, and 1 point for everything else. This card also comes with a full suite of travel insurance and a generous welcome bonus.

30-second take

  • Think about this card if you travel regularly for business and want flexible rewards.
  • Choose something else if you want a personal card or you don’t want to pay an annual fee.
  • You’ll need to have a minimum annual income of $35,000 to apply for this card.

The basics

If you’re a frequent flyer and you want to earn flexible rewards for spending money on business-related purchases, then you might benefit from the CIBC Aventura Visa Card for Business.

  • High return. Earn 1.5 points for every dollar you spend on travel for your business.
  • Welcome bonus. Earn up to 60,000 Aventura Points. Earn 25,000 Aventura Points when you make your first purchase. Plus, get 35,000 additional anniversary bonus Aventura Points when you spend $35,000 or more during the first year.
  • Travel benefits. Rest easy with basic travel insurance for trip interruption and cancellation as well as flight delays and lost baggage.
  • Purchase assurance. Get 90 days
    coverage and extended warranty protection on eligible products you buy with your card.
  • Optional low-interest. Pay an additional fee and get interest rates as low as 12.99% on purchases and 14.50% on cash advances.

The perks

  • Common carrier insurance. Insure your next trip with up to $500,000 coverage when you travel by plane, ferry, train or bus.
  • Car rental insurance. Get free insurance for theft or damage on any car rental you pay for with your credit card.
  • Security features. Protect yourself from fraud with special features like instant alerts, encrypted chip-enabled cards and Visa Checkout services.
  • Flexible rewards. Redeem your points for all kinds of rewards including flights, hotels, gift cards, merchandise, statement credits and more.
  • Personalized service. Book travel with the Aventura Travel Assistant to plan your trip with no extra booking fees.
  • Many additional cards. Order up to nine additional cards to earn points faster.

What to watch out for

  • Annual fee. You’ll need to pay $120 per year to keep your account active.
  • High interest. You’ll pay an industry standard 19.99% on outstanding balances and 21.99% on cash advances, although you can pay an additional fee to get a lower rate.
  • No cash back. You can’t exchange points for cash in hand.
  • No travel medical insurance. You don’t get travel medical insurance when you spend time out of province.
  • Fee for additional cards. You’ll be required to pay an extra $50 for every card you add to your account.

CIBC Aventura Visa Card for Business interest rates

Interest TypeInterest Rate
Purchase interest rate19.99%
Cash advance rate21.99%

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 own a small business and you want to earn flexible rewards for making daily purchases, then you might like to sign up for the CIBC Aventura Visa Card for Business. This card offers a generous welcome bonus along with a full suite of travel benefits and an optional low-interest rate for a reasonable annual fee.

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