Editorial Note: DollarWise may earn a commission on sales made from partner links on this page.

Performance test results

At DollarWise, for each credit card we test 7 different factors including the rewards, value for money, perks, insurance, strengths and weaknesses of the card.

You can see our full testing methodology here to learn why we're the most trusted source for credit card reviews.

The {{card.name}} has earned a {{ranking}} DollarWise Rating out of 5. This score is based on a weighted average of the two highest scoring factors (excluding acceptance and approval).

The highest scoring categories for the {{card.name}} are {{score_1}} and {{score_2}}.

These factors are weighted 70% to the highest scoring factor and 30% to the second highest score to get an overall review score.

This weighting allows us to judge cards on their merits and the customers they are designed for.

For the {{card.name}} the most important factors for scoring this card are its {{score_1}} and {{score_2}}.

Rewards

With the {{card.name}}, here's the rates at which you earn rewards for different spending categories per dollar you spend:

Calculating your annual rewards

We estimate that spending {{monthlyspend}} per month with the {{card.name}} would earn {{card.rewards}} in rewards over the year.

Our performance testing research uses an accurate estimation of the average Canadian households spending patterns to predict the rewards a card will earn.

We found that you'd earn this per category:

Our study investigating the value found that each dollar spent on the {{card.name}} is worth up to {{card.max_reward}}, depending on how you redeem.

This {{card.rewards}} in rewards value puts the {{card.name}} in the {{decile.annual_rewards}} of credit cards in Canada based on rewards earned.

The average credit card in our database earns {{averages.mean_annual_rewards}} in rewards for the same spend that the {{card.name}} earns {{card.rewards}} in rewards value.

We can compare this card to other options by looking at the earn rate by category.

This earn rate is the percentage return that you would get when you spend on this card, assuming you redeem at the predicted maximum value.

For example, if a card earned 5 points per dollar on gas and each point is worth up to $0.02, then the earn rate is 5 points multiplied by $0.02 each, divided by the dollar you spent.

In this example, that's a 10% earn rate on gas.

For an annual spend of {{annualspend}}, we estimated annual rewards value at up to {{total_net_rewards}}.

That's equivalent to a {{total_earn_rate}} return on spending.

The {{card.name}} has an annual fee of {{card.annualFee}}. After deducting this, we predicted net annual rewards of {{net_after_fee}}.

This puts it in the {{decile.net_annual_rewards}} of credit cards for net rewards after fees.

In comparison, the average card earns net annual rewards of {{averages.mean_net_annual_rewards}}.

Fees

The {{card.name}} has a {{card.annualFee}} annual fee.

The average card charges {{averages.mean_annual_fee}}. So, the {{card.name}} is in the {{decile.annual_fee}} of cards based on the cost of the annual fee.

Perks

We manually review the perks of each credit card to determine how they compare to other cards.

The {{card.name}} scored a {{factor_score_perks}} out of 5 for perks, putting it in the {{decile.factor_score_perks}} of cards.

The average card scores {{averages.mean_factor_score_perks}} out of 5 for perks.

Interest Rates

The average (median) credit card has a purchase interest rate of {{averages.median_purchase_interest_rate}} and so the {{card.name}} charges {{purchase_interest_diff}} than the average.

For cash advances it costs {{cash_advance_interest_rate}}% compared to the average of {{averages.mean_cash_advance_interest_rate}}.

Testing the {{card.name}} with a $2,000 starting balance, you can see in the graph how the {{purchase_interest_diff}} in interest rates impacts the interest over a year, compared to the average card.

Insurance coverage

We scored it {{factor_score_insurance}} out of 5 for insurance.

It offers {{insurance_count}} types of insurance, whereas the average card has {{averages.insurance_count}} types of coverage.

Approval and qualifying

We scored it {{factor_score_approval}} out of 5 for approval.

We predict that you will require a credit score of at least {{credit_score_low}} to qualify for the {{card.name}}, while the average card requires {{averages.mean_credit_score_low}} to qualify.

This puts it in the top {{decile.credit_score_low}} of cards by approval difficulty.

The personal income requirements are {{personal_income}}, while the average card requires {{averages.mean_personal_income}}.

This puts it in the {{decile.personal_income}} of cards by the income required to qualify.

The CIBC Aventura Visa Infinite Card (QC) is a versatile travel rewards credit card that offers cardholders a variety of perks and benefits. In this review, we’ll discuss the earning potential with the card, four key benefits, two drawbacks, and additional information that may be useful to potential users.

Earning potential with the card

The CIBC Aventura Visa Infinite Card (QC) earns Aventura points on various spending categories. Cardholders earn 2 points per $1 spent on travel purchased through the CIBC Rewards Centre, 1.5 points per $1 spent on gas, groceries, and drugstore purchases, and 1 point per $1 spent on all other purchases.

Benefits

1. Travel perks: The first major advantage of this card is its travel perks. Cardholders enjoy preferential treatment at over 1,200 airport lounges worldwide, with a priority pass membership, along with a rebate on their Nexus application fees and access to CIBC’s comprehensive travel insurance package.





2. Aventura points: Cardholders can redeem their Aventura points for travel, merchandise, gift cards or statement credits, providing flexibility in how they use their rewards. Additionally, the Aventura points never expire as long as the card remains open, allowing users to save for a future dream vacation or big-ticket item.





3. Signup bonus: New cardholders can take advantage of a generous signup bonus and receive a full rebate on the annual fee for the primary and up to three additional cards when they meet certain criteria during their first year.





4. Protection on purchases: This card offers protection on purchases by providing mobile device insurance up to $1,000 and purchase security for eligible items purchased with the card. Additionally, there’s extended warranty and price protection benefits on select items.

Drawbacks

1. Drawback: The first significant drawback of this card is the annual fee of $139 for the primary cardholder, which can be a significant expense for many users. Additional cards carry a $50 annual fee.





2. Drawback: Although Aventura points offer some flexibility, the program has limited transfer partners compared to other travel rewards credit cards. Users seeking more extensive transfer options should consider a card with more comprehensive partnerships.

Additional information

The CIBC Aventura Visa Infinite Card (QC) shines in offering travel perks, flexible redemption options, and valuable insurance coverages to its users.

This card may be suitable for frequent travelers seeking a rewards card with a range of benefits, but potential cardholders should also be aware of the annual fees and limited transfer partner options.

Is the CIBC Aventura Visa Infinite Card (QC) not convincing you? Consider the CIBC Dividend Platinum Visa Card or the CIBC Aventura Visa Card. Still not the right credit card? Make sure not to miss the CIBC Dividend Visa Infinite Card (QC).

FAQ

Key benefits

• Welcome offer: Earn up to 35,000 Aventura Points





• Travel insurance: Comprehensive coverage for various scenarios





• Reward rates: 2 points/$1 (CIBC Rewards Centre); 1.5 points/$1 (gas, grocery, drugstore); 1 point/$1 (other purchases)





• Foreign transactions: Zero additional fees on international purchases





• Visa Infinite privileges: Concierge services and exclusive hotel collection access





• Mobile protection: Extensive device insurance provided





• Annual fee: $139 per year





• Geographic limitation: Exclusively for Québec residents





• Income requirements: Minimum $60,000 (individual) or $100,000 (household) per annum





• Redemption restrictions: Points can only be redeemed via Aventura Rewards





• Point expiration: 60-month validity period