The ClearFin bottom line
💎 Aventura Elite
Its strongest published earn rate in our data is 3.0% on travel. The $499 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 Privilege
Start with up to 80,000 Aventura Points, worth about $1,600.
Independent comparisonFees includedCanadian card data
- Annual fee
- $499
- Reward type
- Aventura Points
- Welcome offer
- 80,000 pts
- Insurance
- Not listed
Current new-cardmember offer
Confirm with the issuer
💎 Aventura Elite
Welcome bonus
Up to 80,000 Aventura PointsEstimated value: $1,600
How to earn it
- 25,000 Aventura PointsSpend $3,000 or more during the first 4 monthly statement periods.
- 25,000 Aventura PointsSpend $6,000 or more during the first 4 monthly statement periods.
- 30,000 Aventura PointsHave at least $25,000 in net eligible purchases posted to the account during the first 12 monthly statement periods.
How you earn
- 3 Aventura Points per $1 spent on eligible travel purchased through the CIBC Rewards Centre (CIBC by Expedia)
- 2 Aventura Points per $1 spent on eligible dining purchases
- 2 Aventura Points per $1 spent on eligible entertainment purchases
- 2 Aventura Points per $1 spent on eligible transportation purchases
- 2 Aventura Points per $1 spent at eligible gas stations
- 2 Aventura Points per $1 spent at eligible electric vehicle charging stations
- 2 Aventura Points per $1 spent at eligible grocery stores
- 1.25 Aventura Points 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$499
Purchase interest20.99%
Cash advance interest22.99%
Foreign transaction fee2.5%
Income requirement$150,000Issuer approval criteria apply
Household income$200,000Alternative minimum
Recommended credit score760+ Very Good to Excellent
The CIBC Aventura Visa Infinite Privilege Card is a premium travel rewards card with a high annual fee and substantial income requirements. It is generally intended for established borrowers with strong credit profiles.
300Poor
560Fair
660Good
725Very Good
760+Excellent
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 obligations, payment history, existing credit relationships and overall creditworthiness.
Reward limits: No annual earning caps or category spending limits are disclosed by CIBC for the Aventura Visa Infinite Privilege Card. Cardholders earn 3 Aventura Points per $1 spent on eligible travel purchased through the CIBC Rewards Centre (CIBC by Expedia), 2 Aventura Points per $1 spent on eligible dining, entertainment, transportation, gas, electric vehicle charging and grocery purchases, and 1.25 Aventura Points 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.
Annual Travel Credit
Receive a $200 annual travel credit to use on eligible travel purchases booked through CIBC by Expedia.
Visa Airport Companion Program
Receive 6 complimentary airport lounge visits annually at over 1,200 participating lounges worldwide.
NEXUS Fee Rebate
Receive two NEXUS application fee rebates every 4 years.
Business Class Flight Redemptions
Access exclusive business class flight bookings through the Aventura Airline Rewards Chart.
Visa Infinite Privilege Benefits
Access premium Visa Infinite Privilege travel, dining, entertainment and lifestyle benefits.
Luxury Hotel Privileges
Receive hotel benefits through Visa Infinite Luxury Hotel Collection, Visa RSVP Rewards and Relais & Châteaux properties.
Priority Airport Benefits
Access Priority Security Lane services and parking discounts at participating Canadian airports.
24/7 Concierge Service
Access concierge assistance for travel planning, dining reservations, entertainment and lifestyle requests.
Show all 15 benefitsShow fewer
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
Coverage for 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
Coverage for eligible rental vehicles when the full rental cost is charged to the card.
Mobile Device Insurance
Coverage for eligible mobile devices purchased with the card against theft, loss or accidental damage.
Purchase Security and Extended Protection
Protection against theft or damage on eligible purchases and extended warranty coverage.
Common Carrier Accident Insurance
Provides accidental injury and travel accident coverage while travelling on eligible common carriers.
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
- High travel earn rates
- Annual $200 travel credit
- 6 complimentary lounge visits
- Two NEXUS fee rebates
- Premium Visa Infinite Privilege benefits
- Business class flight redemptions
- Comprehensive travel insurance
- Luxury hotel privileges
- No point expiry
- Metal card
Worth noting
- High annual fee
- High income requirement
- 2.5% foreign transaction fee
- Travel bonus limited to CIBC Rewards Centre
- Lounge visits capped annually
- No airport lounge membership
- Premium benefits may be underutilized
- Requires significant spending for full welcome bonus
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
💎 Aventura Elite
3x Aventura on travel via CIBC Rewards Centre. 2x on dining, entertainment, transport, gas & groceries. 1.25x else.
How the rewards work
Travel receive the strongest estimated return at 3.0%. Purchases outside the accelerated categories earn an estimated 1.3%.
What the annual cost means
Using the strongest estimated category return alone, roughly $16,650 in annual spending at that rate would equal the $499 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 dining 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.