Best for: People who want to start earning Aventura points with no annual fee
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
Ranked #92 of 176 for year one. See the list
See how we worked it out- Welcome offer you’d get
- $100
- The full offer. Up to 10,000 Aventura points.
- Annual fee
- None
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?
Is your household income $15,000 or more?
Do you pay your card off in full most months?
Answer the 2 questions to see if it fits.
The good and the bad
Stands out
- Good: 1 point per $1 on groceries, gas, travel and pharmacy At our value for these points, that’s about 1% back.
- Good: No annual fee It costs nothing to keep.
- Good: Welcome offer up to 10,000 Aventura points About $100 at our value for these points.
Watch for
- Watch for: Everything else earns 0.5 point per $1 That’s about 0.5% back, which is low.
- 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.
What you’d earn
With typical spending of $2,500 a month.
Aventura points valued at 1¢ each.
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 point per $1
- Gas
- 1 point per $1 Including electric vehicle charging stations
- Travel
- 1 point per $1 When you purchase your trip through the CIBC Rewards Centre.
- Pharmacy
- 1 point per $1
- Everything else (base rate)
- 0.5 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
Can your spending get the offer?
At $2,500 a month, here’s when you’d reach each step.
-
1
10,000 Aventura points · about $100
Spend $1,000 in your first 4 months.
You’d reach it in month 1.
- On purchases within the first 4 months
- Get 500 Aventura Points for completing each of the activities below within 60 days
- Share your email address with CIBC
- Sign up for eStatements for your new Aventura Visa card
- Add an authorized user on your new Aventura Visa card
- Hold any eligible CIBC Chequing Account
- Add your Aventura Visa card with Apple Pay®, Samsung Pay or Google Pay™
Offer end date not published.
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
- 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.
Other reviewers on this card
-
Yore Oyster (opens in a new tab) Dec 2022
“CIBC Aventura Visa Card is your go-to travel rewards credit card, especially if you prefer earning Aventura points more than anything else. This credit card works best for students, retirees, and frequent travelers who want to save money from annual credit card fees. With no annual fees to pay, you can earn 1 Aventura point on all credit card purchases and redeem them for free flights, accommodations, merchandise, gift cards, or as payments to your credit card balance, loans, mortgages, or investments.”
-
9.6
“This card allows you to earn 1 point for every dollar spent on gas, groceries, travel through CIBC Rewards Centre, and at the drugstore. As well as 1 point for every $2 spent everywhere else. With points that are worth more than double the usual 1 cent value when redeemed for high value flights, that's actually very impressive for a no fee card.”
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What comes with it
- Car rental damage Included
- Extended warranty Included
- Purchase protection Included
- Travel accident Included
- 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.
What it costs
- Annual fee
- None
- Purchase interest
- 21.99%
- Cash advance interest
- 22.99%
- Foreign currency fee
- 2.5%
All fees and rates
Fees
- Extra cards
- None
- 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
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Questions people ask
What is the annual fee on the CIBC Aventura® Visa Card?
There is no annual fee.
How much is the CIBC Aventura® Visa Card welcome offer worth?
10,000 Aventura points after you spend $1,000 in the first 4 months, worth about $100.
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 and purchase protection. 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.
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