Best for: People who spend in US dollars often and want to skip conversion fees
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
- Annual fee
- US$35 a year
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?
Do you spend $300 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.
The good and the bad
Stands out
- Good: 1 point per $1 on travel At our value for these points, that’s about 1% back.
Watch for
- Watch for: Everything else earns 0.5 point per $1 That’s about 0.5% back, which is low.
- Watch for: $35 a year You need about $300 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.
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
- Travel
- 1 point per $1 On purchases through the CIBC Rewards Centre
- 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 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
-
Finder (opens in a new tab) Jan 2021
“The CIBC US Dollar Aventura Gold Visa Card may be suitable for customers who regularly shop or travel in the US and can pay their balance off in US dollars. This card lets you save money on currency conversion fees and fluctuating exchange rates. It also offers basic insurance and a generous welcome bonus for one low annual fee.”
-
My Rate Compass (opens in a new tab) Aug 20205
“Canadians who either travel a lot in the US or shop from US-based sites could definitely enjoy the perks offered by the CIBC U.S. Dollar Aventura® Gold Visa* Card. This CIBC card allows you to skip the currency conversion fee and pay with US dollars anywhere. Whether you want to travel to the US for pleasure, you're constantly flying over for business-related reasons, or you want to pay in US dollars when shopping from the States, this card is just excellent for you. At an annual fee of $35, the benefits are real. As a bonus, you can get up to 5,000 Aventura points, plus earn one point for every $2 spent. You can use your points when travelling and get 20% off. For example, with 10,000 points, you can travel from Montreal to New York and back at the Economy class.”
Ratings from people with this card
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What comes with it
- Car rental damage Included
- Extended warranty Included
- Purchase protection Included
- Travel accident Included
- Chip enabled security
- Identity Theft Assistance
- 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
- US$35 a year
- Purchase interest
- 21.99%
- Cash advance interest
- 22.99%
- Foreign currency fee
- 2.5%
All fees and rates
Fees
- Extra cards
- None
- Billed in
- US dollars
- Cash advance fee
- $3.50
- Balance transfer fee
- 3%, Maximum
- Over-limit fee
- US$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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With typical spending. This card: $184 year one, $184 every year after.
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Questions people ask
What is the annual fee on the CIBC U.S. Dollar Aventura® Gold Visa Card?
US$35 a year.
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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