CIBC Aventura Gold Visa
Churning cardWhat the roles mean
- The welcome bonus without the Visa Infinite income bar: up to 60,000 Aventura points, $15,000 household income
Welcome offer now
Up to 60,000 Aventura points (up to $1,200 travel value) + 4 lounge visits + 1 NEXUS rebate + first-year fee rebate — "up to $1,800 in value."
Checked on CIBC's own page October 21, 2026. See CIBC's page
What it earns in a year
39,000 points a year
Worth about $251 after the $139 fee at the simplest redemption, up to $641 at the best.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Travel: 2× points.
- Gas / EV (First $80,000 a year, then 1× points): 1.5× points.
- Groceries (First $80,000 a year, then 1× points): 1.5× points.
- Drugstore / pharmacy (First $80,000 a year, then 1× points): 1.5× points.
- Everything else: 1× points.
Highlighted = use this card here.
Using your points
On the spending above, 39,000 points a year: worth $390 the easy way, $780 the best way.
- Easy way (1¢): Gift cards, merchandise or statement credit
- Best way (2¢): CIBC's flight chart, with a ticket priced near the top of its band (any airline, no blackouts)
How to apply for the CIBC Aventura Gold Visa
Check first
- Not if you opened, transferred or cancelled another Aventura card in the last 12 months: no welcome offer
- No bonus on a switch: transfers and product changes from other CIBC cards don't qualify
- Check you qualify No minimum income listed. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on CIBC's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on CIBC's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Pick one: if you earn $60,000 (or $100,000 household), the Aventura Visa Infinite has the same offer and more perks. You cannot get both offers within 12 months
- First 4 statements: spend $5,000 for all 60,000 points (15,000 first purchase + 30,000 at $3,000 + 15,000 at $5,000)
- Travel booked at the CIBC Rewards Centre: 2 points per $1
- Groceries, gas, EV charging, drug stores: 1.5 points per $1
- Everything else: use a card that pays more than 1 point per $1
- Redeem: flights on the Aventura chart, 10,000–20,000 points for a North America flight up to $400
- Example: $800/month groceries + $250/month gas + $550/month dining and bills = 25,500 points a year, about $320 at ~1.25¢ a point (our estimate)
Key facts
- Annual fee
- $139
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- None published
- Min. household income
- $15,000
- Rewards
- CIBC AventuraSee every CIBC Aventura card
Annual fee waiver
- CIBC Smart Account, Tier 3: full $139 back a year, plus up to $50 for each of 3 extra cards
- The catch: Tier 3 needs $100,000 on average across CIBC deposits and investments
- Tier 2 ($40,000–$99,999): only $50 back, primary card only
- From January 1, 2027: the rebate is no longer automatic; Tier 3 gets it only by picking it instead of 3 CIBC Smart Benefits (Tier 2: instead of 2)
- The card must be used: at least $1 of spending in the last 12 months
From cibc.com product page, checked October 17, 2026. Not an affiliate link.
More CIBC cards
CIBC Aeroplan VisaNo annual fee
CIBC Aeroplan Visa Infinite$139 fee
CIBC Aeroplan Visa Infinite Privilege$599 fee
CIBC Aventura VisaNo annual fee
CIBC Aventura Visa Infinite$139 fee
CIBC Aventura Visa Infinite Privilege$499 fee
CIBC Dividend VisaNo annual fee
CIBC Costco MastercardNo annual fee
CIBC Dividend Visa Infinite$120 fee
CIBC Dividend Platinum Visa$99 fee
CIBC Adapta MastercardNo annual fee
Best paired with
Neo World Elite Mastercard
- This card: dining & restaurants, travel, transit, drugstore / pharmacy, entertainment, everything else
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions
- Together: $591 a year after both fees, vs $251 with this card alone
- With this card's $139 fee rebated (see Fee waiver): $730 a year
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, transit, entertainment makes it $776 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- Up to 60,000 points in 4 statements; CIBC says up to $1,200 in travel
- Year-one fee rebated for you and up to 3 extra cards (up to $189)
- Income bar is only $15,000 household
- 4 free airport lounge visits in the welcome year
- NEXUS application fee rebated every 4 years
- $1,000 phone cover
Cons
- 1 point per $1 on everything else
- $139 a year from year two
- No airline or hotel transfer partners
- Not a Visa Infinite: no concierge or hotel collection
- Travel medical stops at age 64
- 2.5% on foreign-currency purchases
- No welcome offer if you opened, transferred or cancelled another Aventura card in the last 12 months
Insurance included
- Travel medical: $5 million, first 15 days, age 64 or under only
- Delayed bags: $500 per person
- Rental car damage: up to 48 days, cars up to $85,000
- Phone: $1,000 for loss, theft or damage
- Travel accident: $500,000
- Purchases: 90 days of theft/damage cover, +1 year warranty
Maximums as CIBC lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Lounges: 4 free visits at 1,200+ lounges (Visa Airport Companion)
- NEXUS: application fee rebated every 4 years
- Skip+: free for the first year (CIBC values it at $110)
- Journie Rewards: gas savings at Chevron, Ultramar and Pioneer
Other cards for travel
Back a year on $2,400 of travel, caps included. Points at best-case value. Before annual fees.
| Card | Earns on travel | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Marriott Bonvoy American Express | 5× points≈ 7.0% in value | $168 | $120 | October 21, 2026 |
| CIBC Aventura Visa Infinite Privilege | 3× points≈ 6.0% in value | $144 | $499 | October 21, 2026 |
| Amex Aeroplan Reserve | 3× points≈ 6.0% in value | $144 | $599 | October 21, 2026 |
| Scotiabank Scene+ Visa | 4× points | $96 | $0 | November 2, 2026 |
| Scotiabank Amex | 4× points | $96 | $0 | November 2, 2026 |
| Amex Aeroplan | 2× points≈ 4.0% in value | $96 | $120 | October 21, 2026 |
| CIBC Aventura Gold Visa | 2× points≈ 4.0% in value | $96 | $139 | October 21, 2026 |
Other cards for groceries
Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.
| Card | Earns on groceries | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $960 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 6× points | $576 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 5% back | $480 | $149 | October 21, 2026 |
| National Bank World Elite Mastercard | 5× points | $480 | $150 | October 21, 2026 |
| Desjardins Cash Back World Elite Mastercard | 4% back | $384 | $100 | October 23, 2026 |
| SimplyCash Preferred | 4% back | $384 | $120 | October 21, 2026 |
| CIBC Aventura Gold Visa | 1.5× points≈ 3.0% in value | $288 | $139 | October 21, 2026 |
How the offer has changed
One row per check of CIBC's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 21, 2026 | Unchanged: up to 60,000 Aventura Points (15,000 first purchase + 30,000 on $3,000 in first 4 statements + 15,000 on $5,000 in first 4 statements) + first-year fee rebate + 4 lounge visits + NEXUS rebate + free Skip+. "Up to $1,900 in value." For approvals beginning September 1, 2026Offer, footnotes and rates unchanged. Product page no longer shows the Smart Account fee-rebate line. Smart Account fee-rebate change announced: from January 1, 2027 the automatic credit-card annual fee rebate is discontinued and replaced by CIBC Smart Benefits (Tier 2 may choose the up-to-$50 rebate instead of 2 benefits; Tier 3 the up-to-$139 + $50 per AU rebate instead of 3 benefits); Smart Account Tier 1 fee $16.95 → $17.95/mo. | $139, rebated yr 1 (primary + up to 3 AUs at $50) | none stated |
| October 17, 2026 | Up to 60,000 Aventura Points (15,000 first purchase + 30,000 on $3,000 in first 4 statements + 15,000 on $5,000 in first 4 statements) + first-year fee rebate + 4 lounge visits + NEXUS rebate + free Skip+. "Up to $1,900 in value." For approvals beginning September 1, 2026First §12 row. Points unchanged vs our June 15, 2026 doc; headline value $1,800 → $1,900 (Skip+ $110 now listed). Not eligible if another Aventura card opened, transferred or cancelled in last 12 months | $139, rebated yr 1 (primary + up to 3 AUs at $50) | none stated |
General information, not financial advice. Offers change; confirm on CIBC's page before you apply.