CIBC Aventura Visa Infinite vs. RBC Avion Visa Infinite

Earn 2 Aventura points per CAD $1 on eligible paid CIBC Rewards Centre travel; 1.5 on eligible groceries, gas, EV charging and drugstores; 1 on other eligible purchases.

Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning.

• Eligible grocery, gas, EV charging (MCC 5552) and drugstore purchases earn 1.5 Aventura points per CAD $1 until CAD $80,000 in total annual net account purchases by all cardholders at any merchant; those categories then earn 1 point per CAD $1.
• The counter resets after the day the December statement is printed.
• Qualifying paid CIBC Rewards Centre travel earns double base.
• Exclude taxes, insurance, service charges, similar amounts and points-funded travel from acceleration; residual eligible travel earns base.
• WalletReturn values Aventura points at 0.625¢ each using CIBC Payment with Points.
• Estimated earned value may not equal a currently redeemable payment amount.
• Other Aventura redemption methods may have different values.
• Redemptions start at 4,000 points for a CAD $25 payment toward the card balance.
• Primary cardholders need a qualifying account in good standing and sufficient available points; authorized users cannot redeem.
• Orders are subject to issuer terms and are non-refundable, non-exchangeable and non-transferable unless advised otherwise.
• Conversion may change.
• Exact subsequent increment rules are not publicly established; no redemption orders or balances are simulated.
• Eligible annual spending is estimated across one complete reset cycle with an even spending mix.
• Include eligible net purchases by all cardholders.
• Issuer transaction-level rounding may differ because transaction cents do not earn points; exact transaction chronology and guaranteed issuer accrual totals are not reproduced.
• Primary annual fee only; optional supplementary-card fees and conditional banking-package fee rebates excluded.
• Eligible purchases exclude returns, cash advances, Global Money Transfers, fees, interest, balance transfers, payments, Convenience Cheques and points redemptions.
• Points crediting requires good standing.
• Cash advance APR outside Quebec; Quebec rate is 21.99%.
• Redemptions start at 4,000 points for a CAD $25 payment toward the card balance. Primary cardholders need a qualifying account in good standing and sufficient available points; authorized users cannot redeem. Orders are subject to issuer terms and are non-refundable, non-exchangeable and non-transferable unless advised otherwise. Conversion may change. Exact subsequent increment rules are not publicly established; no redemption orders or balances are simulated. Eligible annual spending is estimated across one complete reset cycle with an even spending mix. Include eligible net purchases by all cardholders. Issuer transaction-level rounding may differ because transaction cents do not earn points; exact transaction chronology and guaranteed issuer accrual totals are not reproduced. Primary annual fee only; optional supplementary-card fees and conditional banking-package fee rebates excluded.
• Payment reflected within five business days.

1.25 Avion points per $1 on eligible travel; 1 point per $1 on other purchases.

Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning.

• Qualifying posted net purchases only; exclude cash advances, balance transfers, cash-like transactions, non-preauthorized bill payments, interest and fees; returns and adjustments reverse points. MCC travel classification controls the Infinite accelerator, including airlines, accommodation, tours, cruises, agencies and rental cars; travel sold by a non-travel MCC merchant does not qualify. Optional linked partner offers and insurance are excluded. Avion Elite travel equivalent at 100 points per CAD$1; exclude flight-chart maximum fare assumptions and variable airline transfers.