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CIBC Aventura Visa Infinite Card review
- 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% (21.99% for Quebec residents)
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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.
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 Type | Interest Rate |
|---|---|
| Purchase interest rate | 20.99% |
| Cash advance rate | 22.99% |
| Standard balance transfer rate | 22.99% |
What should I know before I apply?
How to apply
- Head to the CIBC website to begin your application.
- Complete the application, which includes providing your name, email address, social insurance number and birth date.
- 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.
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