CIBC Aventura Visa
Skip for nowWhat the roles mean
- Keeping Aventura points alive for $0: if you are downgrading from a CIBC Aventura fee card
Up to 12,500 Aventura points — "up to $125 in travel value."
Checked on CIBC's own page October 21, 2026. See CIBC's page
What it earns in a year
19,200 points a year
Worth about $192 at the simplest redemption, up to $384 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 →
- Gas / EV (First $6,000 a year, shared with groceries and drugstore): 1× points.
- Groceries (First $6,000 a year, shared with gas and drugstore): 1× points.
- Drugstore / pharmacy (First $6,000 a year, shared with groceries and gas): 1× points.
- Travel: 1× points.
- Everything else: 0.5× points.
Highlighted = use this card here.
Using your points
On the spending above, 19,200 points a year: worth $192 the easy way, $384 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
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: $15,000 personal. 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
- Groceries, gas, EV charging, drug stores: 1 point per $1, but only on the first $6,000 a year
- Travel booked at the CIBC Rewards Centre: 1 point per $1
- Everything else: use another card. This one pays 1 point per $2
- 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 = 12,600 points a year, about $160 at ~1.25¢ a point (our estimate)
Key facts
- Annual fee
- $0
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- $15,000
- Min. household income
- $15,000
- Rewards
- CIBC AventuraSee every CIBC Aventura card
Annual fee waiver
- No annual fee
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 Visa Infinite$139 fee
CIBC Aventura Gold Visa$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
Neo World Elite Mastercard
- This card: travel
- Neo World Elite Mastercard: groceries, gas / ev, dining & restaurants, bills & subscriptions, transit, drugstore / pharmacy, entertainment, everything else
- Together: $703 a year after both fees, vs $192 with this card alone
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, bills & subscriptions, transit, drugstore / pharmacy, entertainment, everything else makes it $888 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
- $0 annual fee, including up to 3 extra cards
- Welcome: up to 12,500 points (10,000 on $1,000 in 4 statements + 2,500 for five setup tasks)
- Free Skip+ for the first year (CIBC values it at $110)
- Points do not expire while the account is open
- Income bar is only $15,000 household
Cons
- 1 point per $2 on everything else
- The 1 point rate stops after $6,000 of groceries, gas and drug store spending a year
- No airline or hotel transfer partners
- No travel medical, trip or rental car insurance
- 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 accident: $100,000
- Purchases: 90 days of theft/damage cover, +1 year warranty
Maximums as CIBC lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Skip+: free membership when linked
- Disney+: 50% off Standard with Ads for 6 months
- Journie Rewards: up to 10¢/litre at Chevron, Ultramar and Pioneer
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 Visa | 1× points≈ 1.5% in value | $140 | $0 | October 21, 2026 |
Other cards for gas / ev
Back a year on $3,000 of gas / ev, caps included. Points at best-case value. Before annual fees.
| Card | Earns on gas / ev | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| SimplyCash Preferred | 4% back | $120 | $120 | October 21, 2026 |
| Amex Cobalt | 2× points≈ 4.0% in value | $120 | $192 | October 21, 2026 |
| Amex Gold Rewards | 2× points≈ 4.0% in value | $120 | $250 | October 21, 2026 |
| CIBC Aventura Visa Infinite Privilege | 2× points≈ 4.0% in value | $120 | $499 | October 21, 2026 |
| CIBC Dividend Visa Infinite | 4% back≈ 3.9% in value | $118 | $120 | October 21, 2026 |
| BMO eclipse Visa Infinite | 5× points≈ 3.4% in value | $101 | $120 | October 21, 2026 |
| CIBC Aventura Visa | 1× points≈ 1.5% in value | $44 | $0 | 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 12,500 Aventura Points (2,500 for five activities within 60 days + 10,000 on $1,000 in first 4 statements). Headline "up to $200 in value" (points up to $125 + free Skip+ first year $110). For approvals beginning July 16, 2026Page text, all footnotes and rate sheet (rev. 11995-2026/10) identical to October 17, 2026 | $0 (primary and up to 3 AUs) | none stated |
| October 17, 2026 | Unchanged points: up to 12,500 Aventura Points (2,500 for five activities within 60 days + 10,000 on $1,000 in first 4 statements). Headline "up to $200 in value" (points up to $125 + free Skip+ first year $110). For approvals beginning July 16, 2026First §12 row. Not eligible if another Aventura card was opened, transferred or cancelled in the last 12 months. 1x category earn capped at $6,000/yr (issuer footnote) | $0 (primary and up to 3 AUs) | none stated |
General information, not financial advice. Offers change; confirm on CIBC's page before you apply.