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Mr. Loonie

Comparing 2 cards

CIBC Aeroplan Visa Business vs CIBC Aventura Visa Infinite

At typical spending, CIBC Aventura Visa Infinite is worth $3 more in year one, but CIBC Aeroplan Visa Business is worth $56 more every year after.

Worked out from each card’s fees, earn rates and welcome offer. How we work it out

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

CIBC

CIBC Aeroplan® Visa Business Card

Remove CIBC Aeroplan Visa Business

CIBC

CIBC Aventura® Visa Infinite Card

Remove CIBC Aventura Visa Infinite
What it’s worth to you
Better: $1,238
Year one · The full offer.
Better: Every year after $558

Points counted at 2 cents each, our value for Aeroplan. Why we value CIBC Aeroplan Visa Business this way

Better: $1,241
Year one · The full offer.
Better: Every year after $502

Points counted at 1 cent each, our value for CIBC Aventura. Why we value CIBC Aventura Visa Infinite this way

Apply now with CIBC (opens in a new tab)
Apply now with CIBC (opens in a new tab)
We may earn a fee when you apply through these links. It never changes the numbers.

Lower is better here.

Annual fee
$180$0 in year one
Better: $139$0 in year one
Extra card For a partner or family member
$50 a year
$50 a year
Foreign currency fee On purchases in another currency
2.5%
2.5%
Interest on purchases
Better: 12.99%
21.99%
Interest on cash advances
Better: 14.5%
22.99%
Cash advance fee
$5.00
$5.00
Balance transfer fee
3%
3%, Maximum
Late payment fee
$0
$0
Source
cibc.comChecked Nov 8, 2026
cibc.comChecked Nov 8, 2026

Typical spending, $2,500 a month. Bigger is better.

Groceries $9,600 a year
Better: $192 1 point per $1 (base rate)
Better: $144 1.5 points per $1
Restaurants $3,000 a year
Better: $90 1.5 points per $1
Better: $30 1 point per $1 (base rate)
Gas $3,000 a year
Better: $60 1 point per $1 (base rate)
Better: $45 1.5 points per $1
Recurring bills $3,000 a year
Better: $90 1.5 points per $1
Better: $30 1 point per $1 (base rate)
Travel $1,800 a year
Better: $54 1.5 points per $1
Better: $36 2 points per $1
Everything else (base rate) $7,800 a year
Better: $156 1 point per $1
Better: $78 1 point per $1
Foreign currency $1,800 a year
Better: $36 1 point per $1 (base rate)
Better: $18 1 point per $1 (base rate)
Total earned Before fees and the welcome offer
Better: $678
Better: $381
Foreign currency fee On the budget’s foreign spending. * Fee not listed, counted at the usual rate
Better: $45
Better: $45
Perks you’d use Lounge visits and cover, at what they cost on their own
Better: $105
Better: $305
Limits
None listed
None listed
Source
cibc.comChecked Nov 10, 2026
cibc.comChecked Nov 8, 2026

Counted at your spending, not the advertised maximum.

What you’d get
Better: $500The full offer.
Better: $600The full offer.
See the 3 parts
  • 15,000 Aventura points when you are approved ($150)
  • 30,000 Aventura points after you spend $3,000 in the first 4 months ($300)
  • 15,000 Aventura points after you spend $5,000 in the first 4 months ($150)
Advertised
Up to 25,000 Aeroplan points.
Up to 60,000 Aventura points.
Source
Not listed
cibc.comChecked Nov 8, 2026

Car rental damage
Included
Included
Extended warranty
Included
Included
Purchase protection
Included
Included
Trip cancellation
Included
Included
Trip interruption
Included
Included
Flight delay
Included
Included
Baggage delay
Included
Included
Lost baggage
Included
Included
Travel accident
Included
Included
Travel medical
Not listed
Included
Hotel burglary
Not listed
Included
Mobile device
Not listed
Included
Airport lounges
Not listed
Dragonpass, 4 free visits
Mobile wallets
Apple Pay, Google Pay, Samsung Pay
Apple Pay, Google Pay, Samsung Pay

Personal income Minimum the bank lists
Better: $35,000 a year
$60,000 a year
Household income Or this, instead of personal
Not listed
$100,000 a year
Network
Visa
Visa
Expert Score From critic reviews, shown, not ranked
Not listed
Expert Score 8.1 out of 10. Very good
Source
cibc.comChecked Nov 8, 2026
cibc.comChecked Nov 8, 2026

Quebec rules change some rates and fees.

Different in Quebec
Same as the rest of Canada
Balance transfer rate: 21.99%. Cash advance rate: 21.99%. Over-limit fee: none.

More comparisons with these cards

Pairs our editors picked. Numbers are year one at typical spending.

Mr. Loonie’s tip Look at every year after before year one. A big welcome offer pays once; the earn rates pay every month you keep the card.

Questions

How do you work out year one?

We add what each card earns at your spending, plus the part of the welcome offer you’d get, then take off the first year’s annual fee. Every year after leaves out the offer and uses the regular fee.

Can I compare more than two cards?

Yes, up to four. Tap Add a card above the table, or + Compare on any card page.

Do banks pay to appear here?

No. You pick the cards and the math decides the numbers. We may earn a fee when you apply through some links. That never changes a number.

Year one adds what each card earns at the spending you picked, plus the part of the welcome offer that spending reaches, then takes off the first year’s fee. Every year after leaves out the offer and uses the regular fee. Points are counted at the value shown under each card.

Sources, checked by us:

  • CIBC Aeroplan Visa Business: cibc.com, checked Nov 8, 2026
  • CIBC Aventura Visa Infinite: cibc.com, checked Nov 8, 2026

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. Values are estimates for the spending you picked, rounded to the nearest dollar.

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

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