Quels sont les frais annuels de la carte CIBC Aventura Visa Infinite?

La carte CIBC Aventura Visa Infinite comporte des frais annuels de 139 $.

Quelle est la prime de bienvenue de la carte CIBC Aventura Visa Infinite?

Jusqu’à 60 000 points Aventura + remboursement des frais annuels la première année. WalletReturn évalue la prime à environ 375 $. Des conditions et des délais s’appliquent; confirmez auprès de CIBC.

La carte CIBC Aventura Visa Infinite en vaut-elle la peine?

Pour des dépenses typiques de 2 000 $ par mois, WalletReturn estime 24 $ en récompenses annuelles nettes après les frais annuels et 538 $ de valeur la première année, prime de bienvenue comprise. Votre résultat dépend de vos dépenses dans ses catégories bonifiées.

Combien de points ou de remise en argent la carte CIBC Aventura Visa Infinite rapporte-t-elle?

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

Quel est le taux d’intérêt de la carte CIBC Aventura Visa Infinite?

Le taux d’intérêt sur les achats est de 21,99 %.

Les noms officiels des produits sont conservés. Les textes sans version française restent identifiés en anglais; les conditions de l’émetteur font foi.

CIBC Aventura Visa Infinite

CIBC

Aventura

Accumulation des récompenses

Earn 2 Aventura points per CAD $1 on eligible paid CIBC Rewards Centre travel

Offre actuelle : Jusqu’à 60 000 points Aventura + remboursement des frais annuels la première année Des conditions s’appliquent.

12 types d’assurance inclus

Frais annuels: 139,00 $
Valeur de la prime la première année: 375 $
Récompenses annuelles nettes: 24 $
Valeur la première année: 538 $

Selon des dépenses typiques de 2 000 $ par mois, après les frais annuels. Voir le détail

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Dernière vérification : 5 octobre 2026. Confirmez les conditions actuelles auprès de l’émetteur.Source officielle de l’émetteur

Détails de la carte

Frais annuels

Carte principale : 139,00 $

Cartes supplémentaires : 50,00 $

Taux d’intérêt

Achats : 21,99 %

Avances de fonds : 22,99 %

Prime de bienvenue

Jusqu’à 60 000 points Aventura + remboursement des frais annuels la première année

15,000 points on first purchase; 30,000 after $3,000 in the first 4 statements; 15,000 after $5,000 in the first 4 statements. First-year annual fee rebated.

Revenu annuel

Personnel : 60 000 $

Ménage : 100 000 $

Opérations en devises

Frais : À confirmer auprès de l’émetteur

Type de carte

Visa · Voyages

Récompenses

Programme : Aventura

Émetteur

CIBC

L’approbation relève de l’émetteur.

Comment vous accumulez des récompenses

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

Combien cette carte vaut-elle pour vous?

Selon des dépenses typiques de 2 000 $ par moisPoints Aventura évalués à 0,625 ¢ chacun

Valeur estimée la première année

538,00 $

net annual rewards + welcome bonus + first-year fee rebate

Récompenses annuelles nettes: 24,00 $
Prime de bienvenue: 375,00 $
Remboursement des frais la première année: 139,00 $

Détail des récompenses annuelles

Récompenses accumulées en un an	163,00 $
Frais annuels	− $139.00
Récompenses annuelles nettes	24,00 $

La répartition par catégorie n’est pas encore offerte pour cette carte.

Utiliser vos propres dépenses

Requiert vos données
Complete spending details. Complete spending details to calculate your rewards.

View illustrative rewards

Illustrative example — not your personalized estimate. Example: $2,000/month · $24,000/year · no bonus. Uniform full reward year; half of applicable categories is allocated to eligible scopes, split across sibling scopes; streaming $25, portal/digital/membership $0. These are scenario assumptions. No fee waiver is included. This example does not change your spending profile. Edit example allocations in the card's Rewards & conditions menu.

Illustrative annual rewards: 162,94 $
Frais annuels habituels: 139,00 $
Illustrative net ongoing value: 24,00 $

Actual rewards depend on eligible purchases, caps and redemption rules. Interest is excluded. Personalize this calculation

Complete these assumptions to calculate your value:

Confirm whether your spending mix is typical throughout one complete rewards year.
Confirm whether this profile includes all purchases for this account, including additional cardholders.
Enter monthly Eligible grocery purchases. This is part of your existing spending.
Enter monthly Eligible gas and EV charging. This is part of your existing spending.
Enter monthly Eligible drugstore purchases. This is part of your existing spending.
Enter monthly Eligible paid CIBC Rewards Centre travel. This is part of your existing spending.

Using typical spending

$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.

Edit spending

Calculation assumptions for this card

Annual estimate assumptions for CIBC Aventura Visa Infinite

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

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.

Les montants particuliers de cette carte sont explicitement fixés à 0 $; les dépenses de la catégorie continuent de suivre le taux de base examiné.

Eligible grocery purchases · CAD/monthDisjoint eligible net purchases at network-classified merchants; gas includes eligible EV charging MCC 5552. Residual eligible purchases earn base. Parent: $500/month; remaining: $500/month.Eligible gas and EV charging · CAD/monthDisjoint eligible net purchases at network-classified merchants; gas includes eligible EV charging MCC 5552. Residual eligible purchases earn base. Parent: $150/month; remaining: $150/month.Eligible drugstore purchases · CAD/monthDisjoint eligible net purchases at network-classified merchants; gas includes eligible EV charging MCC 5552. Residual eligible purchases earn base. Parent: $40/month; remaining: $40/month.Eligible paid CIBC Rewards Centre travel · CAD/monthOnly qualifying card-paid CIBC Rewards Centre travel, including the eligible paid portion of mixed payments. Exclude taxes, insurance, service charges, similar amounts and points-funded travel from acceleration. Residual eligible travel earns base; allocations are not inferred. Parent: $100/month; remaining: $100/month.Je suppose une répartition uniforme des dépenses pendant tout le cycle de récompensesCe profil représente tous les achats de ce compte, y compris ceux des titulaires supplémentaires concernés

Monthly spending details

Review your monthly spending. Apply changes to update your profile across WalletReturn.

Taux d’accumulation, plafonds et options d’échange

Typical spending: $2,000/month · $24,000/year · net of annual fee

First-year bonus: 375,00 $
Récompenses annuelles nettes: 24,00 $
Valeur la première année: 538,00 $

Redemption methods

CIBC Aventura — Payment with Points earned-value methodology
0.63¢ per point

Bonus rates apply to eligible purchases; everything else earns the base rate.

Points Breakdown — earning schedule
Spending category	Earning rate	Restrictions & Spending cap	Annual earning
grocery purchases	1.5 pts per $1	Up to $80,000 a statement year $80,000.00 total account purchases / statement year After cap: 1 pt per $1	Annual earned points: 4,500 pts Not included in the value
gas and EV charging	1.5 pts per $1	Up to $80,000 a statement year $80,000.00 total account purchases / statement year After cap: 1 pt per $1	Annual earned points: 1,350 pts Not included in the value
drugstore purchases	1.5 pts per $1	Up to $80,000 a statement year $80,000.00 total account purchases / statement year After cap: 1 pt per $1	Annual earned points: 360 pts Not included in the value
paid CIBC Rewards Centre travel	2 pts per $1	See rules Confirm the earning rules in the full calculation ledger	Annual earned points: 0 pts Not included in the value
Other & non-bonus-eligible purchases	1 pt per $1	Base rate on residual purchases; merchant bonus eligibility not assumed	Annual earned points: 19,860 pts Not included in the value

Full base-rate purchase details (10 categories)

Residual purchases	Base rate	Annual purchases	Annual earning
groceries	1 pts per $1	3 000,00 $	3,000 pts
dining	1 pts per $1	2 400,00 $	2,400 pts
gas	1 pts per $1	900,00 $	900 pts
transit	1 pts per $1	960,00 $	960 pts
travel	1 pts per $1	1 200,00 $	1,200 pts
recurring bills	1 pts per $1	2 400,00 $	2,400 pts
entertainment	1 pts per $1	1 200,00 $	1,200 pts
drugstore	1 pts per $1	240,00 $	240 pts
online shopping	1 pts per $1	3 600,00 $	3,600 pts
other	1 pts per $1	3 960,00 $	3,960 pts

Potential offer — timing or valuation unresolved

Currentdigitaloffer15000firstpurchase+30000at3000and15000at5000within4monthlystatementperiods;fee139firstyearrebate. Calendar-month/day contract cannot substitute4statementperiods; exactcurrentoffereligibility andcurrentenddate required. Year 1: Year 1 requires separately verified offer terms and qualifications.

Assumptions, restrictions & sources

Using typical spending. Annual rewards below are before the regular annual fee and exclude welcome offers.

Purchase scopes, account thresholds or shared limits affect earning. Eligible purchase scopes, spending thresholds or shared limits require the complete rules and calculation ledger.

Only the selected certified method is calculated. Optional travel assumptions appear separately and are not guaranteed redemption rates.

Published earning schedule

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.

Restrictions, caps & redemption

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.

Regular annual fee: $139.00. The value ledger deducts applicable fees separately.

Total annual estimated reward value: $162.94. The engine converts total earned points once; category amounts above remain in native units.

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.

CIBC Aventura — Payment with Points earned-value methodology 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.

Issuer category definitions, earning limits and restrictions apply.

Assurances et avantages

Soins médicaux en voyage: included
Annulation de voyage: included
Interruption de voyage: included
Retard de vol: included
Bagages: included
Location de voiture: included
Accident de voyage: included
Vol à l’hôtel ou au motel: included
Appareils mobiles: included
Protection des achats: included
Garantie prolongée: not included

15 assurances8 avantages

AssuranceCoverage

Protection des achats60 000 $
$60,000 per cardholder across all CIBC cards held
90 days from purchase
Eligible personal items must meet the certificate card-payment requirements; reimbursement follows the covered purchase price or eligible portion. Excluded goods, other-insurance priority, claim documents and account-standing rules apply. Claim limits are not cash rewards.
Issuer terms (opens new tab)
Not counted in this estimate
Protection prolongée60 000 $
$60,000 per cardholder across all CIBC cards held
Doubles manufacturer warranty; up to 1 additional year
Eligible personal items must meet the certificate card-payment requirements; reimbursement follows the covered purchase price or eligible portion. Excluded goods, other-insurance priority, claim documents and account-standing rules apply. Claim limits are not cash rewards.
Issuer terms (opens new tab)
Not counted in this estimate
Collision ou dommages au véhicule de location85 000 $
Up to $85,000 per rental; eligible vehicle and certificate apply
Maximum 48 rental days
Eligible rental vehicle only; full rental payment and declining the rental agency collision waiver are required under the certificate. Vehicle exclusions, authorized-driver rules and claim documentation apply. MSRP is a vehicle eligibility ceiling, not a promised claim payment.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance accident de transport public500 000 $
Up to $500,000 per insured person
Covered common-carrier passenger journey; certificate applies
Eligible Canadian-resident cardholder, spouse or dependent; insured causes, card-payment qualifications, other insurance, good standing and claims conditions apply. Payment fraction varies by coverage: confirm the certificate before booking. Summary is explanatory; certificate controls. Accidental death/dismemberment only; sickness and non-passenger travel excluded.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance soins médicaux d’urgence en voyage15 jours, jusqu’à 5 000 000 $
Up to $5,000,000 per insured person / trip
15 days ≤64; 3 days ≥65
Eligible Canadian-resident cardholder, spouse or dependent; insured causes, card-payment qualifications, other insurance, good standing and claims conditions apply. Payment fraction varies by coverage: confirm the certificate before booking. Summary is explanatory; certificate controls. Outside home province; government health coverage, pre-existing stability and assistance requirements apply.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance annulation de voyage1 500 $
$1,500/person/trip; $5,000 combined
Before departure for covered cancellation events
Eligible Canadian-resident cardholder, spouse or dependent; insured causes, card-payment qualifications, other insurance, good standing and claims conditions apply. Payment fraction varies by coverage: confirm the certificate before booking. Summary is explanatory; certificate controls.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance interruption ou retard de voyage2 000 $
$2,000 per insured person / trip
Covered interruption or delay of insured trip
Eligible Canadian-resident cardholder, spouse or dependent; insured causes, card-payment qualifications, other insurance, good standing and claims conditions apply. Payment fraction varies by coverage: confirm the certificate before booking. Summary is explanatory; certificate controls.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance retard de vol500 $
$500 for all insured persons combined
Flight delayed at least 4 hours
Eligible Canadian-resident cardholder, spouse or dependent; insured causes, card-payment qualifications, other insurance, good standing and claims conditions apply. Payment fraction varies by coverage: confirm the certificate before booking. Summary is explanatory; certificate controls. Eligible reasonable living expenses; certificate sublimits apply.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance retard de bagages500 $
$500/person; $1,000 combined
Baggage delayed at least 6 hours
Eligible Canadian-resident cardholder, spouse or dependent; insured causes, card-payment qualifications, other insurance, good standing and claims conditions apply. Payment fraction varies by coverage: confirm the certificate before booking. Summary is explanatory; certificate controls. Eligible necessary purchases only; certificate exclusions and receipts apply.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance bagages perdus ou volés500 $
$500/person; $1,000 combined
Covered checked or carry-on baggage loss, damage or theft
Eligible Canadian-resident cardholder, spouse or dependent; insured causes, card-payment qualifications, other insurance, good standing and claims conditions apply. Payment fraction varies by coverage: confirm the certificate before booking. Summary is explanatory; certificate controls.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance vol à l’hôtel ou au motel2 500 $
$2,500 per occurrence for all insured persons combined
While registered as accommodation guest
Eligible Canadian-resident cardholder, spouse or dependent; insured causes, card-payment qualifications, other insurance, good standing and claims conditions apply. Payment fraction varies by coverage: confirm the certificate before booking. Summary is explanatory; certificate controls. Covered burglary; required proof of forced entry and exclusions apply.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance appareils mobiles1 000 $
Up to $1,000 per occurrence / insured person
Eligible phone/smartphone/tablet loss, theft or accidental damage. Card-payment/financing and device-specific duration conditions require certificate confirmation; depreciation, deductibles, claims and exclusions apply.
Issuer terms (opens new tab)
Not counted in this estimate
Insurance coverageInclus
Not counted in this estimate
Travel insuranceInclus
Age/duration/health/charge-to-card and rental restrictions apply; not all trips covered. Factual/display-only: no product-specific WalletReturn valuation approved. Monetary value blank, not coverage/discount face value; no live record treatment asserted.
Issuer terms (opens new tab)
Not counted in this estimate
Mobile-device and purchase insuranceInclus
Eligible purchase/financing and certificate exclusions/deductibles apply. Factual/display-only: no product-specific WalletReturn valuation approved. Monetary value blank, not coverage/discount face value; no live record treatment asserted.
Issuer terms (opens new tab)
Not counted in this estimate

AvantagesDétails

Journie fuel discounts and loyaltyInclus
Not counted in this estimate
Airport lounge visitsInclus
Not counted in this estimate
Remboursement des frais de demande NEXUSInclus
Not counted in this estimate
Conditional banking-package fee rebatesInclus
Not counted in this estimate
Optional supplementary-card feesInclus
Not counted in this estimate
Network and service benefitsInclus
Not counted in this estimate
NEXUS application creditInclus
Charge NEXUS application fee to eligible card; account good standing. Credit is independent of application approval; approximate marketing value CAD 160 is not the contractual CAD 200 maximum. Do not annualize into guaranteed CAD 50. Factual/display-only: no product-specific WalletReturn valuation approved. Monetary value blank, not coverage/discount face value; no live record treatment asserted.
Issuer terms (opens new tab)
Not counted in this estimate
Airport lounge visits and NEXUS application fee rebateInclus
Issuer terms (opens new tab)
Not counted in this estimate

Points forts et points faibles

Points forts

Prime de bienvenue d’une valeur d’environ 375 $
1.5 points per $1 on eligible groceries, gas, EV charging and drugstores
15 types d’assurance inclus

Points faibles

Frais annuels de 139 $
Revenu personnel de 60 000 $ requis
Les catégories bonifiées ont des plafonds de dépenses

Échange

Méthode d’évaluation choisie par WalletReturn

CIBC Aventura — Payment with Points earned-value methodology. 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.

0.625 cents per point. Example conversion: 1,000 points = $6.25 using this method.

Point values vary by how you redeem.

Minimum, délais et restrictions d’échange

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.
Exact subsequent increment rules are not publicly established; no redemption orders or balances are simulated.
Eligible purchases exclude returns, cash advances, Global Money Transfers, fees, interest, balance transfers, payments, Convenience Cheques and points redemptions.

Payment reflected within five business days.

Sources et mentions légales

Points à considérer

Confirmez auprès de l’émetteur les frais, les restrictions d’accumulation, les conditions d’adhésion et les modalités actuelles avant de faire une demande.

Dernière vérification : 5 octobre 2026.

Ce qui n’est pas inclus

Les valeurs n’incluent pas les frais d’intérêt : elles supposent que vous payez votre solde en entier chaque mois. Les assurances et les avantages sans valeur fixe en dollars sont indiqués, mais pas comptés.

WalletReturn est un site de comparaison indépendant, pas l’émetteur de la carte. Les valeurs sont des estimations.

Divulgation publicitaire : WalletReturn peut toucher une commission lorsque vous faites une demande au moyen de certains liens. Cela ne change ni nos calculs ni l’ordre des cartes. Consultez notre méthodologie publiée et divulgation publicitaire.

Vérifiez les conditions actuelles du produit auprès de l’émetteur avant de faire une demande.

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