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CIBC Aventura Visa Infinite Privilege

CIBC

VisaAventura

Accumulation des récompenses

Earn 3 Aventura points per $1 on eligible CIBC Rewards travel, 2 in eligible accelerated categories and 1.25 on other purchases.

Offre actuelle : Jusqu’à 80 000 points Aventura Des conditions s’appliquent.

  • 12 types d’assurance inclus
Frais annuels
499,00 $
Valeur de la prime la première année
800 $
Récompenses annuelles nettes
-153 $
Valeur la première année
647 $

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

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Dernière vérification : 10 octobre 2026. Confirmez les conditions actuelles auprès de l’émetteur.Source officielle de l’émetteur for CIBC Aventura Visa Infinite Privilege (opens new tab)

Détails de la carte

Frais annuels

Carte principale : 499,00 $

Cartes supplémentaires : 99,00 $

Taux d’intérêt

Achats : 21,99 %

Avances de fonds : 22,99 %

Prime de bienvenue

Jusqu’à 80 000 points Aventura

25,000 points after $3,000 in the first 4 statements; 25,000 after $6,000 in the first 4 statements; 30,000 after $25,000 in the first 12 statements.

Revenu annuel

Personnel : 150 000 $

Ménage : 200 000 $

Opérations en devises

Frais : 2,5 %

Type de carte

Visa · Voyages

Récompenses

Programme : Aventura

Émetteur

CIBC

L’approbation relève de l’émetteur.

Comment vous accumulez des récompenses

  • Earn 3 Aventura points per $1 on eligible CIBC Rewards travel, 2 in eligible accelerated categories and 1.25 on other purchases

Combien cette carte vaut-elle pour vous?

Selon des dépenses typiques de 2 000 $ par moisPoints Aventura évalués à 1 ¢ chacun

Valeur estimée la première année

647,00 $

net annual rewards + welcome bonus

Récompenses annuelles nettes
-153,00 $

Récompenses d’une année typique, après les frais annuels

Prime de bienvenue
800,00 $

Une seule fois, si vous respectez l’exigence de dépenses de l’offre

Détail des récompenses annuelles

Récompenses accumulées en un an346,00 $
Frais annuels− $499.00
Récompenses annuelles nettes-153,00 $

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.

Current Aventura Flexible Travel Reward uses100points/CAD1; eligible CIBC Rewards Centre booking required. Flight chart uplift, variable discounts and cash redemptions excluded.

Illustrative annual rewards
346,35 $
Frais annuels habituels
499,00 $
Illustrative net ongoing value
-153,00 $

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 groceries. This is part of your existing spending.
  • Enter monthly Eligible dining. This is part of your existing spending.
  • Enter monthly Eligible gas. This is part of your existing spending.
  • Enter monthly Eligible transit. This is part of your existing spending.
  • Enter monthly Eligible entertainment. This is part of your existing spending.
  • Enter monthly Eligible pretax 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 Privilege

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.

Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.

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

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
800,00 $
Récompenses annuelles nettes
-153,00 $
Valeur la première année
647,00 $

Redemption methods

  • Aventura Flexible Travel Reward
    1¢ per point
    Fonctionnement

    Current Aventura Flexible Travel Reward uses100points/CAD1; eligible CIBC Rewards Centre booking required. Flight chart uplift, variable discounts and cash redemptions excluded.

    Official methodology (opens new tab)

    Verified 2026-10-10

Bonus rates apply to eligible purchases; everything else earns the base rate.
Points Breakdown — earning schedule
Spending categoryEarning rateRestrictions & Spending capAnnual earning
groceries2 pts per $1
Up to $200,000 a statement year$200,000.00 total account purchases / statement year

After cap: 1.25 pts per $1

Annual earned points: 6,000 pts

Not included in the value
dining2 pts per $1
Up to $200,000 a statement year$200,000.00 total account purchases / statement year

After cap: 1.25 pts per $1

Annual earned points: 2,400 pts

Not included in the value
gas2 pts per $1
Up to $200,000 a statement year$200,000.00 total account purchases / statement year

After cap: 1.25 pts per $1

Annual earned points: 1,800 pts

Not included in the value
transit2 pts per $1
Up to $200,000 a statement year$200,000.00 total account purchases / statement year

After cap: 1.25 pts per $1

Annual earned points: 960 pts

Not included in the value
entertainment2 pts per $1
Up to $200,000 a statement year$200,000.00 total account purchases / statement year

After cap: 1.25 pts per $1

Annual earned points: 1,200 pts

Not included in the value
pretax CIBC Rewards Centre travel3 pts per $1
See rulesConfirm the earning rules in the full calculation ledger

Annual earned points: 0 pts

Not included in the value
Other & non-bonus-eligible purchases1.25 pts per $1Base rate on residual purchases; merchant bonus eligibility not assumed

Annual earned points: 22,275 pts

Not included in the value
Full base-rate purchase details (10 categories)
Residual purchasesBase rateAnnual purchasesAnnual earning
groceries1.25 pts per $13 000,00 $3,750 pts
dining1.25 pts per $11 200,00 $1,500 pts
gas1.25 pts per $1900,00 $1,125 pts
transit1.25 pts per $1480,00 $600 pts
travel1.25 pts per $11 200,00 $1,500 pts
recurring bills1.25 pts per $12 400,00 $3,000 pts
entertainment1.25 pts per $1600,00 $750 pts
drugstore1.25 pts per $1480,00 $600 pts
online shopping1.25 pts per $13 600,00 $4,500 pts
other1.25 pts per $13 960,00 $4,950 pts
Offre de bienvenueCheck the issuer for current offer terms. Year 1: Current welcome terms are reviewed separately; approval bonuses and first-year reset chronology must be independently supported.
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 3 Aventura points per $1 on eligible CIBC Rewards travel, 2 in eligible accelerated categories and 1.25 on other purchases.

Restrictions, caps & redemption

  • Cash advance APR is 21.99% for Quebec residents.
  • Accelerated categories include dining, entertainment, gas, transportation, EV charging and groceries; annual purchase limits apply.
  • Visa eligible grocery/dining/gas/EV5552/local Canadian transportation/entertainment MCC; transportation excludes air transport/car rentals/cruises. Combined accelerator availability depends on CAD200000 total annual account net purchases by all cardholders, reset after December statement printed. CIBC Rewards Centre travel excludes taxes, insurance, service charges and points-funded portions. Net card purchases exclude returns, advances, fees, interest, transfers, payments and cheques. Open/good standing required. Optional travel credits, airline chart uplift, insurance and welcome promotions excluded.

Regular annual fee: $499.00. The value ledger deducts applicable fees separately.

Total annual estimated reward value: $346.35.

Year 1 estimate unavailable. Current welcome terms are reviewed separately; approval bonuses and first-year reset chronology must be independently supported.

Aventura Flexible Travel Reward: 1 cents per points. Current Aventura Flexible Travel Reward uses100points/CAD1; eligible CIBC Rewards Centre booking required. Flight chart uplift, variable discounts and cash redemptions excluded.

Current Aventura Flexible Travel Reward uses100points/CAD1; eligible CIBC Rewards Centre booking required. Flight chart uplift, variable discounts and cash redemptions excluded.

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

12 assurances1 avantage

AssuranceCoverage
  • Protection des achats60 000 $

    $60,000 per cardholder across all CIBC cards held

    180 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

    Triples manufacturer warranty; up to 2 additional years

    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 location100 000 $

    Up to $100,000 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 voyage31 jours, jusqu’à 5 000 000 $

    Up to $5,000,000 per insured person / trip

    31 days ≤64; 10 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 voyage2 500 $

    $2,500/person/trip; $10,000 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 voyage5 000 $

    $5,000/person/trip; $25,000 combined

    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/person; $1,000/occurrence 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 volés1 000 $

    $1,000/person; $2,500 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 500 $

    Up to $1,500 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

AvantagesDétails
  • Six complimentary lounge visits, two NEXUS application fee rebates every four years and a $200 annual CIBC Rewards travel creditInclusIssuer terms (opens new tab)

    Not counted in this estimate

Points forts et points faibles

Points forts

  • Prime de bienvenue d’une valeur d’environ 800 $
  • 12 types d’assurance inclus

Points faibles

  • Frais annuels de 499 $
  • Les récompenses typiques ne couvrent pas les frais annuels
  • Revenu personnel de 150 000 $ requis
  • Frais d’opérations en devises de 2,5 %
  • 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.

Check the issuer’s rewards terms for redemption options and restrictions.

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 : 10 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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Valeur la première année avec des dépenses typiques de 2 000 $ par mois, après les frais annuels.