CIBC Aventura Visa Infinite Privilege
Churning cardWhat the roles mean
- The welcome bonus plus travel extras: up to 80,000 Aventura points, a $200 yearly travel credit and 6 lounge visits
Welcome offer now
Up to 80,000 Aventura points + $200 annual travel credit + 6 lounge visits + 2 NEXUS rebates — "up to $2,500 in value."
Checked on CIBC's own page October 21, 2026. See CIBC's page
What it earns in a year
54,750 points a year
Worth about $49 after the $499 fee at the simplest redemption, up to $596 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: 3× points.
- Dining & restaurants (First $200,000 a year, then 1.25× points): 2× points.
- Entertainment (First $200,000 a year, then 1.25× points): 2× points.
- Transit (First $200,000 a year, then 1.25× points): 2× points.
- Gas / EV (First $200,000 a year, then 1.25× points): 2× points.
- Groceries (First $200,000 a year, then 1.25× points): 2× points.
- Everything else: 1.25× points.
Highlighted = use this card here.
Using your points
On the spending above, 54,750 points a year: worth $548 the easy way, $1,095 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 Visa Infinite Privilege
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 Income: $150,000 personal or $200,000 household. 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
- Travel booked at the CIBC Rewards Centre: 3 points per $1
- Dining, groceries, gas, EV charging, transit, entertainment: 2 points per $1
- Everything else: 1.25 points per $1
- Welcome bonus: $6,000 in 4 statements (50,000), then $25,000 in 12 statements (30,000 more)
- $200 travel credit: use it on one booking of $200 or more. A smaller booking forfeits the rest for that year
- Redeem: business class on any airline, e.g. 40,000 points for a North America flight up to $1,000
- Example: $800/month groceries + $250/month gas + $250/month dining + $300/month bills = 35,700 points a year, about $445 at ~1.25¢ a point (our estimate). With the $200 credit that is about $645, roughly $145 more than the $499 fee
Key facts
- Annual fee
- $499
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- $150,000
- Min. household income
- $200,000
- Rewards
- CIBC AventuraSee every CIBC Aventura card
Annual fee waiver
- CIBC Smart Account, Tier 3: up to $139 a year back, plus up to $50 for each of 3 extra cards
- The catch: Tier 3 needs $100,000 on average across CIBC deposits and investments, and still leaves $360 to pay
- Tier 2 ($40,000–$99,999): only $50 back
- 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 Gold Visa$139 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: $317 a year after both fees, vs $49 with this card alone
- With this card's $499 fee rebated (see Fee waiver): $816 a year
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, transit, entertainment makes it $463 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 80,000 points; CIBC says "up to $2,600 in value"
- $200 travel credit every year
- 6 free airport lounge visits a year at 1,200+ lounges
- Up to 2 NEXUS application fees rebated every 4 years
- 2 points per $1 on dining, groceries, gas, transit and entertainment
- Travel medical for 31 days (under 65) and trip interruption up to $5,000 per person
Cons
- $499 a year, not rebated in year one; $99 per extra card
- Income: $150,000 personal or $200,000 household
- 30,000 of the bonus needs $25,000 of spending in year one
- No airline or hotel transfer partners
- No free checked bag
- 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 31 days if under 65, first 10 days if 65+
- Trip cancellation: $2,500 per person ($10,000 per account)
- Trip interruption: $5,000 per person ($25,000 per account)
- Flight delay: after 4 hours; +$500 per person for clothes and toiletries
- Delayed bags: $500 per person
- Rental car damage: up to 48 days, cars up to $100,000
- Phone: $1,500 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
- $200 travel credit: each year at the CIBC Rewards Centre
- Lounges: 6 free visits a year (Visa Airport Companion)
- NEXUS: up to 2 application fees rebated every 4 years
- Business class on points: any airline, on the Aventura chart
- Skip+: free for the first year (CIBC values it at $110)
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 |
Other cards for dining & restaurants
Back a year on $3,000 of dining & restaurants, caps included. Points at best-case value. Before annual fees.
| Card | Earns on dining & restaurants | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $300 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 5× points | $150 | $120 | November 2, 2026 |
| National Bank World Elite Mastercard | 5× points | $150 | $150 | October 21, 2026 |
| Simplii Cash Back Visa | 4% back | $120 | $0 | October 21, 2026 |
| RBC British Airways Visa Infinite | 2× points≈ 4.0% in value | $120 | $165 | October 23, 2026 |
| Desjardins Odyssey Visa Infinite Privilege | 4% back | $120 | $395 | October 21, 2026 |
| CIBC Aventura Visa Infinite Privilege | 2× points≈ 4.0% in value | $120 | $499 | 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 80,000 Aventura Points (25,000 on $3,000 in first 4 statements + 25,000 on $6,000 in first 4 statements + 30,000 anniversary bonus on $25,000 in first 12 statements) + $200 annual travel credit + 6 lounge visits + 2 NEXUS rebates + free Skip+. "Up to $2,600 in value." For approvals beginning July 16, 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. | $499, not rebated (AU $99) | none stated |
| October 17, 2026 | Up to 80,000 Aventura Points (25,000 on $3,000 in first 4 statements + 25,000 on $6,000 in first 4 statements + 30,000 anniversary bonus on $25,000 in first 12 statements) + $200 annual travel credit + 6 lounge visits + 2 NEXUS rebates + free Skip+. "Up to $2,600 in value." For approvals beginning July 16, 2026First §12 row. Points unchanged vs our June 15, 2026 doc; headline value $2,500 → $2,600 (Skip+ now listed). Footnote words the first 50,000 as one award on $6,000. Not eligible if another Aventura card opened, transferred or cancelled in last 12 months | $499, not rebated (AU $99) | none stated |
General information, not financial advice. Offers change; confirm on CIBC's page before you apply.