Skip to content
Mr. Loonie
CIBC Aventura® Gold Visa Card

CIBC Aventura® Gold Visa Card

8.1
Very good
Expert Score · 3 reviews How we score

Best for: Travellers who want flexible Aventura points without a high income requirement

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
$741
Every year after
$302

Ranked #48 of 176 for year one. See the list

See how we worked it out
Welcome offer you’d get
$300
The full offer. Up to 30,000 Aventura points.
Annual fee
$0 first year
Then $139 a year
Apply now on CIBC’s site (opens in a new tab)
Needs $15,000 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 household income $15,000 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 30,000 Aventura points About $300 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 offer30,000 Aventura points you’d reach $300 $0
Annual fee $0 −$139
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Rental car damage cover1 rental of 3 days at $35 a day $105 $105
Total $741 $302

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 offer?

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

  1. 1

    30,000 Aventura points · about $300

    Spend $3,000 in your first 4 months.

    You’d reach it in month 2.

    • On purchases within the first 4 months
    • Also get 15000 points when you make your first purchase.
    • 15,000 Aventura Points if you have at least $5,000 in net purchases posted to your account in the first 4 monthly statement periods
    • Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): up to $189 value

Offer end date not published.

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
  • Household income $15,000 or more Issuer says
  • Newcomer program CIBC newcomer offer No credit history or security deposit needed. Limit up to $15,000 on your first card when you bank with CIBC. Apply in a branch with your immigration documents.
  • 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
  • Rewards Canada (opens in a new tab) Aug 2023

    “The CIBC Aventura Gold Visa Card tends to be over shadowed by it's Visa Infinite sibling but the fact that it is almost identical makes it a hidden gem! The only difference between the cards are that trip cancellation, trip interruption insurance and the Visa Infinite benefits like concierge and the Visa Infinite Hotel program are absent on the Gold Card. Everything else is the same and I'll be honest those are not huge losses for the Gold Card. It has the same earn-burn ratios as the Visa Infinite Card, retains most of the travel insurance and offers the same airport lounge access benefits.”

  • Money We Have (opens in a new tab) Jan 2019

    “My CIBC Aventura Gold review is positive. For a credit card that has a low minimum income requirement, it comes packed with benefits. CIBC Aventura Rewards are easy to understand so when you’re ready to make a redemption, you won’t have any problems.”

  • creditcardGenius (opens in a new tab) Jan 2018
    9.8

    “A Gold flexible travel rewards card that is nearly as good as its Infinite counterpart without the hefty minimum income requirement. Plus good insurance, a big sign up bonus, and the first year is free.”

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
  • Mobile Device Insurance
  • Hotel Burglary Insurance
  • Priority Pass membership
  • Flight Delay and Baggage Insurance
  • Airport Lounge Access
  • Receive a rebate for your NEXUS application fee once every four (4) years.
  • Emergency Card Replacement
  • 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.

Not included

Not listed for this card: travel medical, trip cancellation, trip interruption, flight delay, lost baggage and mobile device.

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: $741 year one, $302 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® Gold Visa Card?

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

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

30,000 Aventura points after you spend $3,000 in the first 4 months, worth about $300.

What income do I need?

CIBC asks for $15,000 in household 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, mobile device insurance and hotel burglary 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

$741
year one for you
Apply now on CIBC’s site (opens in a new tab)
Compare
Compare is full