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CIBC Aventura Visa Infinite Card review

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CIBC Aventura Visa Infinite Card
Welcome Offer
35,000 points
Rewards
Up to 2 points per $1 spent
Annual Fee
$0 annual fee for the first year ($139 thereafter)
Purchase Interest Rate
20.99%
Cash Advance Rate
22.99%
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Summary

Get comprehensive travel benefits and earn a decent return on Aventura Points to put towards your next big trip. 

Earn up to 35,000 Aventura Points in the first year. Plus, get a rebate on the first year annual fee.

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The CIBC Aventura Visa Infinite Card offers a full suite of travel benefits and a decent return on Aventura Points. Earn 1.5 points for every $1 you spend on daily purchases like gas and groceries, 2 points on travel purchased through the CIBC Rewards Centre and 1 point on everything else.

30-second take

  • Think about this card if you travel regularly and want to earn more points for daily purchases.
  • Choose something else if you want low interest or no annual fee.
  • You’ll need to have an individual income of $60,000 or a household income of $100,000 to apply for this credit card.

The basics

If you want to take advantage of a full spread of travel benefits along with a decent return on Aventura Points, then you might benefit from the CIBC Aventura Visa Infinite Card.

  • Decent return. Earn 1.5 Aventura Points for every dollar you spend on daily purchases like gas and groceries.
  • Welcome bonus. Earn up to 35,000 Aventura Points (up to $800 in travel value). Get 20,000 Aventura Points when you make your first purchase. Plus, in the first year, you can earn an additional 1,250 Aventura Points each monthly when you spend at least $1,000. That’s a total of up to 15,000 points. Also, get a rebate on the first year annual fee.
  • Airport Companion Program. Gain access to 1,200+ airport lounges with 4 complimentary visits per year.
  • Travel medical insurance. Avoid paying for third-party travel medical insurance with full coverage on your card for the first 15 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 a $50 rebate on your application fee
  • Common carrier insurance. Insure your trip with up to $500,000 coverage when you travel by plane, ferry, train or bus. You'll get coverage for travel accidents, lost/stolen/damaged baggage, car rental theft and damage, flight delays, hotel burglaries, mobile devices, Purchase Security and Extended Protection Insurance.
  • Car rental insurance. Get covered for collision and damage when you rent a car using your card.
  • Mobile device insurance. Get coverage for the cost of replacing your cell phone in the event of loss, damage or theft.
  • Optional insurance. Pay more to get balance protection insurance in case you get injured or can no longer work to pay your bills.
  • 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 $139 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) on cash advances and balance transfers.
  • Fee for additional cards. Every additional card that you add to your account will cost $50.
  • High minimum income. You’ll need to make at least $60,000 per year to qualify for this card.

CIBC Aventura Visa Infinite 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?

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 frequent flyer who wants to earn flexible points for daily purchases, the CIBC Aventura Visa Infinite Card could be a good fit for you. This card comes with a generous welcome bonus and comprehensive travel insurance, but you’ll have to pay an annual fee to keep your account active.

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
Up to 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 partner stores and at least 1% 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
21.99%
$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 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.
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.
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