CIBC Aventura Visa Infinite Card (QC) Review



Annual Fee


Annual Rewards

40,000 points

Intro Offer


Annual fee


Annual rewards

40,000 points

Intro offer


  • Generous welcome bonus of up to 35,000 Aventura Points
  • Comprehensive travel insurance package included
  • Earn 2 points for every $1 spent on travel through the CIBC Rewards Centre
  • Earn 1.5 points for every $1 spent on gas, grocery, and drugstore purchases
  • Earn 1 point for every $1 spent on all other purchases
  • No foreign transaction fees on purchases made outside Canada
  • Visa Infinite Concierge service and Visa Infinite Luxury Hotel Collection access
  • Mobile device insurance coverage


  • $139 annual fee
  • Québec residents only
  • High income requirements ($60,000 individual or $100,000 household)
  • Limited to redeeming points through the Aventura Rewards Program
  • Aventura Points expire after 60 months

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 CIBC Aventura Visa Infinite Card (QC) has earned a 4.57 DollarWise Rating out of 5. This score is based on a weighted average of the two highest scoring factors (excluding acceptance and approval).




Interest rates




The highest scoring categories for the CIBC Aventura Visa Infinite Card (QC) are insurance and rewards.

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 CIBC Aventura Visa Infinite Card (QC) the most important factors for scoring this card are its insurance and rewards.


With the CIBC Aventura Visa Infinite Card (QC), here’s the rates at which you earn rewards for different spending categories per dollar you spend:

Bills1 point
Pharmacy1.50 points
Gas1.50 points
Groceries1.50 points
Restaurants1 point
Specific Stores1 point
Travel1 point
All Other Spend1 point

Calculating your annual rewards

We estimate that spending $2,000 per month with the CIBC Aventura Visa Infinite Card (QC) would earn $653 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:

All Other Spend$344

Our study investigating the value found that each dollar spent on the CIBC Aventura Visa Infinite Card (QC) is worth up to $0.02, depending on how you redeem.

This $653 in rewards value puts the CIBC Aventura Visa Infinite Card (QC) in the top 10% of credit cards in Canada based on rewards earned.

The average credit card in our database earns $337 in rewards for the same spend that the CIBC Aventura Visa Infinite Card (QC) earns $653 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.

SpendThis CardAverage
Above, we’ve calculated the earn rate for the CIBC Aventura Visa Infinite Card (QC) for every spend category and compared it to the average for all Canadian credit cards.
Redemption methodAnnual rewards
Redeem for travel$285
Apply to statement credit$237
Gift cards$202
Airlines Rewards (Charts)$653
CIBC financial products$237

For an annual spend of $24,000, we estimated annual rewards value at up to $653.

That’s equivalent to a 2.72% return on spending.

The CIBC Aventura Visa Infinite Card (QC) has an annual fee of $139. After deducting this, we predicted net annual rewards of $514.

This puts it in the top 10% of credit cards for net rewards after fees.

In comparison, the average card earns net annual rewards of $254.


The CIBC Aventura Visa Infinite Card (QC) has a $139 annual fee.

The average card charges $85. So, the CIBC Aventura Visa Infinite Card (QC) is in the top 20% of cards based on the cost of the annual fee.


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

The CIBC Aventura Visa Infinite Card (QC) scored a 2.8 out of 5 for perks, putting it in the top 20% of cards.

The average card scores 1.6 out of 5 for perks.

Interest Rates

Cash Advance21.99%
Balance Transfer21.99%

The average (median) credit card has a purchase interest rate of 19.99% and so the CIBC Aventura Visa Infinite Card (QC) charges 1% more than the average.

For cash advances it costs 21.99% compared to the average of 19.96%.

Testing the CIBC Aventura Visa Infinite Card (QC) with a $2,000 starting balance, you can see in the graph how the 1% more in interest rates impacts the interest over a year, compared to the average card.

Insurance coverage

InsuranceThis CardAverage
Extended Warranty1 year1 year
Purchase Protection90 days90 days
Travel Accident$500,000$500,000
Emergency Medical Term15 days15 days
Emergency Medical over 653 days4 days
Trip Cancellation$1,500$1,500
Trip Interruption$2,000$2,000
Flight Delay$500$500
Baggage Delay$500$500
Lost or Stolen Baggage$500$1,000
Rental Car Theft & DamageYesNo
Hotel Burglary$2,500$1,000
Mobile Phone Insurance$1,000$1,000

We scored it 4.6 out of 5 for insurance.

It offers 13 types of insurance, whereas the average card has 5 types of coverage.

Approval and qualifying

Do I qualify?
Estimated Credit Score660 – 724
Personal Income$60,000
Household Income$100,000
Annual Fee$139
Extra Card Fee$0
Card typeVisa

We scored it 3.0 out of 5 for approval.

We predict that you will require a credit score of at least 660 to qualify for the CIBC Aventura Visa Infinite Card (QC), while the average card requires 652 to qualify.

This puts it in the top bottom 50% of cards by approval difficulty.

The personal income requirements are $60,000, while the average card requires $23,896.

This puts it in the top 20% 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.


  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.


  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).


The CIBC Aventura Visa Infinite Card (QC) rewards program allows cardholders to redeem their Aventura Points for a wide variety of options, including:

  • Travel: Use your points to book flights, hotels, car rentals, cruises, vacation packages, and more through the CIBC Rewards Centre.
  • Merchandise: Choose from a broad selection of products including electronics, household items, and apparel on the CIBC Rewards online catalogue.
  • Gift Cards: Redeem your points for gift cards from popular retailers, restaurants, and entertainment providers.
  • Cash Back: Convert your points into a financial rebate applied directly to your credit card balance.
  • Experiences: Access exclusive offers for local events, concerts, spa packages, or exciting getaway opportunities.
  • Investments: Use your points to contribute to your existing CIBC investment account, such as a CIBC TFSA or RRSP.
  • Charitable Donations: Donate your points to select charitable organizations and make a direct impact on various local and global causes.

The CIBC Aventura Visa Infinite Card (QC) has a foreign transaction fee of 2.5% on purchases made in foreign currencies. This fee is applied on top of the converted amount charged to your credit card when the transaction is posted in Canadian dollars.

The CIBC Aventura Visa Infinite Card (QC) has a minimum income requirement of $60,000 CAD for individual applicants, or $100,000 CAD for households. To be eligible for this card, applicants must meet this income threshold.

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

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