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Mr. Loonie
CIBC Aventura® Visa Card for Business

CIBC Aventura® Visa Card for Business

Best for: Business owners who want flexible Aventura points on travel and gas

Your spending a month
What’s in each?
Solo:
Office supplies $100, shipping $50, phone and internet $150, software $150, online ads $200, gas $250, restaurants $200, travel $250, everything else (base rate) $1,050, foreign currency $100
Small team:
Office supplies $250, shipping $200, phone and internet $300, software $400, online ads $600, gas $500, restaurants $400, travel $400, everything else (base rate) $2,650, foreign currency $300
Growing:
Office supplies $500, shipping $600, phone and internet $600, software $1,000, online ads $2,000, gas $1,000, restaurants $800, travel $1,200, everything else (base rate) $6,300, foreign currency $1,000
Year one
$894
Every year after
$774

Ranked #18 of 27 business cards for year one. See the list

See how we worked it out
Annual fee
$0 first year
Then $120 a year
Apply now on CIBC’s site (opens in a new tab)
Needs $35,000 personal 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 Can I get it? Fees Similar cards
3 quick questions

Is it for me?

Do you spend $700 or more a month on travel, hotels and gas?

Is your personal income $35,000 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: 1.5 points per $1 on travel, hotels, gas and transit At our value for these points, that’s about 1.5% back.
  • Good: No fee in the first year Then $120 a year.

Watch for

  • Watch for: $120 a year from year two You need about $700 a month on travel, hotels and gas 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 small team spending of $6,000 a month.

Aventura points valued at 1¢ each.

  • Office supplies $30
    1 point per $1 · 1% back $250 a month · 3,000 Aventura points a year
  • Shipping $24
    1 point per $1 · 1% back $200 a month · 2,400 Aventura points a year
  • Phone and internet $36
    1 point per $1 · 1% back $300 a month · 3,600 Aventura points a year
  • Software $48
    1 point per $1 · 1% back $400 a month · 4,800 Aventura points a year
  • Online ads $72
    1 point per $1 · 1% back $600 a month · 7,200 Aventura points a year
  • Gas $90
    1.5 points per $1 · 1.5% back $500 a month · 9,000 Aventura points a year
  • Restaurants $48
    1 point per $1 · 1% back $400 a month · 4,800 Aventura points a year
  • Travel $72
    1.5 points per $1 · 1.5% back $400 a month · 7,200 Aventura points a year
  • Everything else $318
    1 point per $1 · 1% back $2,650 a month · 31,800 Aventura points a year
  • Foreign currency $36
    1 point per $1 · 1% back $300 a month · 3,600 Aventura points a year
For you Year one Later years
Points you earn77,400 Aventura points a year, at 1¢ each $774 $774
Welcome offerYour spending wouldn’t reach it $0 $0
Annual fee $0 −$120
Foreign currency fee2.5% on $3,600 a year −$90 −$90
Rental car damage cover2 rentals of 3 days at $35 a day $210 $210
Total $894 $774

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
Travel
1.5 points per $1 2 points on travel booked through the CIBC Rewards Centre
Hotels
1.5 points per $1 On purchases made on airlines, car rentals, and travel agencies. ; 2 points per $1 spent when you purchase your trip through the CIBC Aventura Rewards Centre
Gas
1.5 points per $1 Including EV charging
Transit
1.5 points per $1 Including parking and tolls
Everything else (base rate)
1 point per $1

Enjoy a $120 travel credit when you book travel through the CIBC Travel Rewards Centre.

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

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 $35,000 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

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

    “The CIBC Aventura Visa Card For Business is an excellent choice for business owners who love giving their employees credit cards to give them incentives or earn more points. For an annual fee of $120, you can get up to 2 Aventura points and up to 60,000 welcome bonus, which you can redeem for airline tickets, merchandise, gift cards, or as bill payments for card balance and investments. However, if you are planning on getting a card for business and travel purposes, this card might be for someone else.”

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
  • Flight delay Included
  • Baggage delay Included
  • Lost baggage Included
  • Trip cancellation Included
  • Trip interruption Included
  • Flight Delay Insurance
  • Baggage Insurance
  • Trip Cancellation and Interruption Insurance
  • Get free UP Express tickets
  • 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 and mobile device.

Fees and interest

What it costs

Annual fee
$0 first year Then $120 a year
Purchase interest
19.99%
Cash advance interest
21.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$50
Fee waivers
First year: $120 off (For an additional $60 annual fee, receive an interest rate as low as 12.99% - 18.99% for purchases and 14.50% - 21.5% for cash advance and balance transfer. ; Waived on the first year)
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
21.99%

Province differences

Quebec
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 small team spending. This card: $894 year one, $774 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 Card for Business?

$0 the first year, then $120 a year. Each extra card costs $50.

What income do I need?

CIBC asks for $35,000 in personal income.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

19.99% on purchases. Cash advances are 21.99%.

Does it include insurance?

It lists extended warranty, purchase protection, flight delay insurance and baggage 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

$894
year one for you
Apply now on CIBC’s site (opens in a new tab)
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