The ClearFin bottom line
✈️ Aventura Points
Its strongest published earn rate in our data is 2.0% on travel. The $139 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-09 · Official issuer catalogueIndependent ClearFin review · CIBC
CIBC Aventura Gold Visa
Start with up to 35,000 Aventura Points, worth about $700.
Independent comparisonFees includedCanadian card data
- Annual fee
- $139
- Reward type
- Aventura Points
- Welcome offer
- 35,000 pts
- Insurance
- Not listed
Current new-cardmember offer
Confirm with the issuer
✈️ Aventura Points
Welcome bonus
Up to 35,000 Aventura PointsEstimated value: $700
How to earn it
- 15,000 Aventura PointsMake your first purchase with the card.
- 20,000 Aventura PointsSpend $3,000 or more in net purchases during the first 4 monthly statement periods.
Offer details
Offer available to new CIBC Aventura Gold Visa cardholders approved through the digital application offer. Account must be open and in good standing when bonus points are awarded. Additional terms and conditions apply.
How you earn
- 2 Aventura Points per $1 spent on eligible travel purchased through the CIBC Rewards Centre (CIBC by Expedia)
- 1.5 Aventura Points per $1 spent at eligible gas stations
- 1.5 Aventura Points per $1 spent at eligible electric vehicle charging stations
- 1.5 Aventura Points per $1 spent at eligible grocery stores
- 1.5 Aventura Points per $1 spent at eligible drug stores
- 1 Aventura Point per $1 spent on all other purchases
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$139
Purchase interest20.99%
Cash advance interest22.99%
Foreign transaction fee2.5%
Income requirementNot statedIssuer approval criteria apply
Household income$15,000Alternative minimum
Recommended credit score680+ Good to Very Good
The CIBC Aventura Gold Visa Card is a mid-tier travel rewards card with a modest household income requirement and a $139 annual fee. It is generally suited for applicants with good credit who want travel rewards and airport lounge benefits without the higher income requirements of Visa Infinite cards.
300Poor
560Fair
660Good
725Very Good
760Excellent
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. This is an estimated approval range based on the card's positioning, annual fee, and minimum household income requirement. CIBC does not publish a minimum credit score requirement. Approval decisions also consider factors such as income, employment, credit history, existing debt, payment history, and overall creditworthiness.
Reward limits: The CIBC Aventura Gold Visa Card does not have published monthly or annual spending caps on its standard earn rates. Cardholders earn 2 Aventura Points per $1 spent on eligible travel purchased through the CIBC Rewards Centre (CIBC by Expedia), 1.5 Aventura Points per $1 spent at eligible gas stations, electric vehicle charging stations, grocery stores, and drug stores, and 1 Aventura Point per $1 spent on all other purchases.
Using your rewards
Redemption options
Redemption values and availability may vary by option and can change.
Redeem eligible Aventura points for travel through the CIBC Rewards Centre, including flights and other available travel products.
Use points for eligible statement credits, merchandise, gift cards, or financial products where offered; values vary by option.
Beyond the points
Benefits that come with the card
Consider these extras by the value they add to purchases and experiences you already use.
Visa Airport Companion Program
Receive 4 complimentary airport lounge visits annually at more than 1,200 lounges worldwide through the Visa Airport Companion Program.
NEXUS Fee Rebate
Receive a rebate for one NEXUS application fee every 4 years.
Flexible Travel Redemptions
Redeem Aventura Points for flights, hotels, vacation packages, car rentals, cruises, and other travel purchases through the CIBC Rewards Centre.
Aventura Flight Rewards Chart
Access fixed-point flight redemptions that can provide exceptional value on eligible flights within Canada, the U.S., Europe, and other international destinations.
Points Never Expire
Aventura Points do not expire as long as the account remains open and in good standing.
Payment with Points
Redeem Aventura Points to pay down eligible credit card purchases or your card balance.
Mobile Device Insurance
Coverage for eligible mobile devices against accidental damage, theft, loss, or mechanical breakdown.
Out-of-Province Emergency Travel Medical Insurance
Coverage for eligible emergency medical expenses incurred while travelling outside your province or territory of residence.
Show all 20 benefitsShow fewer
Flight Delay and Baggage Insurance
Coverage for eligible expenses resulting from flight delays, baggage delays, loss, or damage.
Car Rental Collision and Loss Damage Insurance
Coverage for eligible rental vehicles when the full rental cost is charged to the card.
Hotel Burglary Insurance
Coverage for loss of personal property resulting from burglary while staying at eligible hotel accommodations.
Purchase Security Insurance
Protection against theft, loss, or damage on eligible purchases for up to 90 days from the purchase date.
Extended Protection Insurance
Extends the original manufacturer's warranty on eligible purchases by up to one additional year.
Common Carrier Accident Insurance
Provides accidental death and dismemberment coverage while travelling on eligible common carriers.
CIBC by Expedia
Access a dedicated travel booking platform for flights, hotels, vacation packages, activities, and car rentals.
Skip+ Membership
Complimentary Skip+ membership with eligible card linkage, including delivery fee savings and monthly voucher benefits.
Disney+ Statement Credit Offer
Eligible cardholders may receive promotional statement credits on qualifying Disney+ subscriptions.
Journie Rewards Fuel Savings
Save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar, and Chevron stations when linked with Journie Rewards.
Global Money Transfer
Send money to more than 120 countries with no transfer fee through CIBC Global Money Transfer.
CIBC Pace It
Convert eligible purchases into fixed monthly installment plans with predictable payments.
Protection included
Insurance at a glance
No included coverage is verified in ClearFin's current catalogue.
Insurance is not currently listed for this product.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗The verdict
What we like
- Strong welcome bonus
- First-year annual fee rebate
- Airport lounge access included
- NEXUS fee rebate
- Flexible travel redemption options
- Points never expire
- Comprehensive travel insurance coverage
- Low household income requirement
Worth noting
- Annual fee after first year
- Foreign transaction fee
- Lower rewards on non-category spending
- Travel redemptions can be complex
- Limited premium travel benefits
- Requires booking through CIBC Rewards Centre for maximum travel earn rate
- No free checked bag benefit
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
✈️ Aventura Points
2x Aventura on travel via CIBC Rewards Centre. 1.5x on gas, EV, groceries & drugstores. 1x everything else.
How the rewards work
Travel receive the strongest estimated return at 2.0%. Purchases outside the accelerated categories earn an estimated 1.0%.
What the annual cost means
Using the strongest estimated category return alone, roughly $6,950 in annual spending at that rate would equal the $139 fee before considering the value of insurance, partner benefits, or a welcome offer.
Who it may suit
This card is most relevant for someone who spends consistently on travel and groceries and can use enough of the included value to justify the yearly cost.
What to examine before applying
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
Other cards to examine
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Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.