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Mr. Loonie
CIBC Aventura® Visa Infinite Card

CIBC Aventura® Visa Infinite Card

8.1
Very good
Expert Score · 6 reviews How we score

Best for: Travellers who want flexible Aventura points, travel insurance and lounge passes

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Year one
$1,241
Every year after
$502

Ranked #20 of 176 for year one. See the list

See how we worked it out
Welcome offer you’d get
$600
The full offer. Up to 60,000 Aventura points.
Annual fee
$0 first year
Then $139 a year
Apply now on CIBC’s site (opens in a new tab)
Needs $60,000 personal or $100,000 household income
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from CIBC’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? What you’d earn Welcome offer Can I get it? Fees Similar cards
3 quick questions

Is it for me?

Do you spend $600 or more a month on travel?

Is your personal income $60,000 or more, or your household’s $100,000 or more?

Do you pay your card off in full most months?

Answer the 3 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 2 points per $1 on travel At our value for these points, that’s about 2% back.
  • Good: No fee in the first year Then $139 a year.
  • Good: Welcome offer up to 60,000 Aventura points About $600 at our value for these points.

Watch for

  • Watch for: $139 a year from year two You need about $600 a month on travel to earn it back.
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

Aventura points valued at 1¢ each.

  • Groceries $144
    1.5 points per $1 · 1.5% back $800 a month · 14,400 Aventura points a year
  • Restaurants $30
    1 point per $1 · 1% back $250 a month · 3,000 Aventura points a year
  • Gas $45
    1.5 points per $1 · 1.5% back $250 a month · 4,500 Aventura points a year
  • Recurring bills $30
    1 point per $1 · 1% back $250 a month · 3,000 Aventura points a year
  • Travel $36
    2 points per $1 · 2% back $150 a month · 3,600 Aventura points a year
  • Everything else $78
    1 point per $1 · 1% back $650 a month · 7,800 Aventura points a year
  • Foreign currency $18
    1 point per $1 · 1% back $150 a month · 1,800 Aventura points a year
For you Year one Later years
Points you earn38,100 Aventura points a year, at 1¢ each $381 $381
Welcome offer60,000 Aventura points you’d reach $600 $0
Annual fee $0 −$139
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Lounge visits2 visits at $45 $90 $90
Travel medical insurance1 trip at $50 $50 $50
Rental car damage cover1 rental of 3 days at $35 a day $105 $105
Phone insurance$60 a year $60 $60
Total $1,241 $502

Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.

What counts in each category
Groceries
1.5 points per $1
Gas
1.5 points per $1 Including electric vehicle charging stations
Travel
2 points per $1 When you purchase your trip through the CIBC Rewards Centre.
Pharmacy
1.5 points per $1
Everything else (base rate)
1 point per $1
How Aventura points work, and why 1¢

We count Aventura points at 1¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 0.63¢ to 2.3¢.

We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Welcome offer

Can your spending get the full offer?

At $2,500 a month, here’s when you’d reach each step.

  1. 1

    15,000 Aventura points · about $150

    Get approved for the card.

    • Make your first purchase
  2. 2

    30,000 Aventura points · about $300

    Spend $3,000 in your first 4 months.

    You’d reach it in month 2.

  3. 3

    15,000 Aventura points · about $150

    Spend $5,000 in your first 4 months.

    You’d reach it in month 2.

Offer end date not published.

Offer checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Personal income $60,000 or more Issuer says
  • Household income $100,000 or more Issuer says
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Checked on Nov 8, 2026. Source

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

8.1
Very good
Expert Score How we score
  • Frugal Flyer (opens in a new tab) May 2026

    “The CIBC Aventura Visa Infinite card is a great introduction to travel credit cards as it can get you on the path to complimentary airport lounge access and working towards a free yet valuable NEXUS membership. The fact that the card often comes with the first year annual fee rebated makes it even sweeter if you want to try the card out or if you aren’t 100% sure that a travel credit card is right for your needs.”

  • Yore Oyster (opens in a new tab) Dec 2022

    “CIBC Aventura Visa Infinite Privilege Card is one of the most expensive travel rewards credit cards that CIBC offers. This card is best for frequent travelers and business owners who take traveling as part of their lifestyle. For $499 per year, you can get up to 3 Aventura points, annual fee rebates, global airport lounge access, luxury hotel benefits, dining and wine events, and more exclusive offers and discounts. It may not be worth its price, but the travel experience you can do with it is treasured.”

  • SAVVY New Canadians (opens in a new tab) Aug 2021

    “This credit card has an overall package that is commensurate with its $120 price tag. If you travel frequently, you could save a lot of money earning and redeeming your Aventura Points. The CIBC Aventura Visa Infinite offers a combination of loyalty rewards when you spend using the card, as well as travel insurance benefits and perks that stand out in its category.”

  • Ratehub.ca (opens in a new tab) Oct 2018

    “The CIBC Aventura Visa Infinite’s new premium features in combination with its stacked welcome bonus has upped the ante when it comes to travel credit cards in Canada. If you’re on the hunt for a well-rounded travel card chock full of benefits, this card should be high on your consideration list.”

  • Money We Have (opens in a new tab) Oct 2018

    “My CIBC Aventura Visa Infinite card review is positive and clearly deserves a spot among the best travel credit cards in Canada. With a strong sign up bonus, and a ton of additional benefits, Aventura truly is the traveller’s credit card.”

  • creditcardGenius (opens in a new tab) Jan 2018
    10

    “The nice thing about the CIBC Aventura Visa Infinite is that the flexible rewards that you earn can be used for a number of things and earned a number of different ways.”

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Car rental damage Included
  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Travel medical Included
  • Flight delay Included
  • Baggage delay Included
  • Lost baggage Included
  • Trip cancellation Included
  • Trip interruption Included
  • Hotel burglary Included
  • Mobile device Included
  • Lounges: Dragonpass 4 free visits
  • Enjoy a Priority Pass Membership and 4 complimentary visits per year at 1,200+ airport lounges: over $200 value
  • Speed up your border crossings with NEXUS: CIBC will cover your NEXUS Application Fee: A $50 value
  • Flight Delay and Baggage Insurance
  • Trip Cancellation and Trip Interruption Insurance
  • Enjoy a $120 travel credit when you book travel with an Aventura Travel Assistant
  • Mobile Device Insurance
  • Hotel Burglary Insurance
  • Mobile wallets Apple Pay, Google Pay, Samsung Pay
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read CIBC’s insurance certificate before you count on any coverage.

Fees and interest

What it costs

Annual fee
$0 first year Then $139 a year
Purchase interest
21.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$50
Fee waivers
First year: $139 off (First-year annual fee rebate)
Cash advance fee
$5.00
Balance transfer fee
3%, Maximum
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
22.99%
Source
Issuer page

Province differences

Quebec
Balance transfer rate: 21.99%. Cash advance rate: 21.99%. Over-limit fee: none.

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: $1,241 year one, $502 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the CIBC Aventura® Visa Infinite Card?

$0 the first year, then $139 a year. Each extra card costs $50.

How much is the CIBC Aventura® Visa Infinite Card welcome offer worth?

Up to 60,000 Aventura points, about $600. You get it in 3 steps: 15,000 Aventura points when you are approved; 30,000 Aventura points after you spend $3,000 in the first 4 months; 15,000 Aventura points after you spend $5,000 in the first 4 months.

What income do I need?

CIBC asks for $60,000 in personal income.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

21.99% on purchases. Cash advances are 22.99%.

Does it include insurance?

It lists extended warranty, purchase protection, flight delay and baggage insurance and trip cancellation and trip interruption insurance. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$1,241
year one for you
Apply now on CIBC’s site (opens in a new tab)
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