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 Visa Infinite
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.
How you earn
- 2 Aventura Points per $1 on eligible travel booked through the CIBC Rewards Centre (CIBC by Expedia)
- 1.5 Aventura Points per $1 at eligible gas stations
- 1.5 Aventura Points per $1 at eligible electric vehicle charging stations
- 1.5 Aventura Points per $1 at eligible grocery stores
- 1.5 Aventura Points per $1 at eligible drug stores
- 1 Aventura Point per $1 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 requirement$60,000Issuer approval criteria apply
Household income$100,000Alternative minimum
Recommended credit score725+ Good to Very Good
The CIBC Aventura Visa Infinite Card is a premium travel rewards credit card with minimum income requirements and is generally best suited for applicants with established credit profiles.
300Poor
560Fair
660Good
725+Very 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. CIBC does not publish a minimum credit score requirement. Approval is based on multiple factors including income, credit history, debt levels, payment history, and overall creditworthiness.
Reward limits: No annual earning caps or category spending limits are disclosed by CIBC for the Aventura Visa Infinite Card. Cardholders earn 2 Aventura Points per $1 spent on eligible travel booked through the CIBC Rewards Centre, 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 over 1,200 participating lounges worldwide.
NEXUS Fee Rebate
Receive a rebate for one NEXUS application fee every 4 years.
Visa Infinite Privileges
Access Visa Infinite benefits including luxury hotel privileges, dining experiences, entertainment offers and exclusive events.
Out-of-Province Emergency Medical Insurance
Coverage for eligible emergency medical expenses incurred while travelling outside your province or territory of residence.
Trip Cancellation and Trip Interruption Insurance
Protection against eligible prepaid travel expenses if a trip is cancelled, interrupted or delayed.
Flight Delay and Baggage Insurance
Coverage for eligible expenses resulting from flight delays, delayed baggage, lost baggage or travel disruptions.
Car Rental Collision and Loss Damage Insurance
Provides collision and loss damage coverage when renting eligible vehicles and paying with the card.
Mobile Device Insurance
Coverage for eligible mobile devices purchased with the card against theft, loss or accidental damage.
Show all 12 benefitsShow fewer
Purchase Security and Extended Protection
Extends manufacturer warranties and protects eligible purchases against theft or damage for a limited period.
Hotel Burglary Insurance
Provides coverage for eligible personal property stolen from a hotel or motel room during travel.
Common Carrier Accident Insurance
Provides up to $500,000 in coverage for accidental injury or death while travelling on a common carrier.
Flexible Travel Redemption
Redeem Aventura Points for flights, hotels, vacation packages, car rentals and travel purchases with no point expiry.
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
- Flexible travel redemptions
- 4 complimentary lounge visits
- NEXUS fee rebate
- Strong travel insurance coverage
- First-year annual fee rebate
- No point expiry
Worth noting
- 2.5% foreign transaction fee
- Travel bonus limited to CIBC Rewards Centre
- Income requirement
- Annual fee after first year
- No unlimited lounge access
- Average everyday earn rate
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.
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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.