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The CIBC Aventura® Gold Visa* Card is great for anyone who has consistent spending habits and wants to put those to use through travel rewards. Frequent travelers would benefit from using this card because of its elite opportunities and great rewards that make travel more affordable and specialized.

If you are able to use this card for essential purchases and consistently pay your balance, you can maintain great credit and reap awesome travel benefits!

Here is everything you need to know about the CIBC Aventura® Gold Visa* Card.

Welcome offer

This card has a great welcome offer of up to $1,250 in value including a first year annual fee rebate.

  • 15,000 Aventura Points when you make your first purchase.
  • 5,000 Aventura Points on first purchase within first 4 months
  • 20,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods.
  • Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): over $189 value
  • Elevate your airport experience with four complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: over $190 in value.
  • Plus, get a NEXUS Application Fee rebate: A $50 value


With the CIBC Aventura® Gold Visa* Card, you earn:

  • 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre
  • 1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores
  • 1 point for every $1 spent on all other purchases

Interest rates

The CIBC Aventura® Gold Visa* Card has a 20.99% Purchase Annual Interest Rate, 22.99% (for non-Quebec residents only) Cash Advance Annual Interest Rate, and a 22.99% (for non-Quebec residents only) Balance Transfer Annual Interest Rate.

Annual fees

This card has an annual fee of $139, rebated for your first year†. Each additional card (you can get up to 3) is $50 which is also rebated in the first year.

Extra perks

Insurance benefits

Here is a list of the different forms of insurance this card provides you with:

  • Mobile device insurance
  • Hotel burglary insurance
  • Purchase security and extended protection insurance
  • Flight and baggage delay insurance
  • $500,000 common carrier accident insurance
  • Auto rental collision and loss damage insurance
  • Out-of-province emergency travel medical insurance

Access to specialty experiences and travel

  • Elevate your airport experience with four complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: over $190 in value.
  • Aventura points can be redeemed for flights with any airline, hotels, car rentals, merchandise, gift cards and more.
  • The Aventura Travel Assistant provides cardholders with access to personalized travel booking and trip planning with no booking fees.
  • Use Aventura Points to cover full airfare including taxes and fees.

Discounts and Deals

  • No blackout periods or restrictions, and points that don’t expire
  • Get a NEXUS application fee rebate
  • Get a 20,000 Aventura Points welcome bonus when you make your first purchase
  • Car rental discounts available

Pros and cons of the CIBC Aventura® Gold Visa* Card



  • High value welcome offer
  • Minimal household annual income required
  • Exceptional points-redeemable travel opportunities and other perks


  • High annual fee (rebated for your first year)†
Apply now

Eligibility requirements

To be eligible for this card you must:

  • Be a Canadian resident at the age of majority in your province
  • Have a minimum annual household income of $15,000
  • Have not declared bankruptcy within the past 7 years
  • Have a good credit score (>720)

How to apply

You can apply online here for this card, call CIBC’s toll free number, or book an appointment with your bank.

How to earn and redeem Aventura points

You can maximize your rewards by using your CIBC Aventura® Gold Visa* Card for most purchases, especially within the categories (grocery stores, drugstores, and gas stations) where you can earn a higher amount of points. You can use your points to pay down your balance or pay your monthly balance on time and use the points towards special rewards.

You can redeem your points through the CIBC Rewards Centre on travel, gift cards, merchandise, or other experiences. The higher the amount of Aventura points you have, the more valuable rewards you can cash them in for. For example, saving up more Aventura points will give you more accessible travel opportunities to places that may be out of country or out of continent.

How does the CIBC Aventura® Gold Visa* Card compare to other travel rewards cards?

Welcome offer
Earn up to 40,000 Aventura Points and other bonuses totaling over $1,250 in value. See terms.
Earn up to $1,600 in value† including up to 70,000 Aeroplan points. Conditions apply. 
Earn up to $1,100* in value in the first 12 months, including up to 35,000 bonus Scene+ points and first year annual fee waived on your first supplementary card.¹ Offer ends October 31, 2023.
Earn rate
1 - 2 points
1 - 1.5 points
1 - 3 Scene+™ points
Annual fee
See terms
Additional perks
Extensive insurance benefits; Wide variety of travel rewards available for redemption; High earn rate for Aventura Points. Elevate your airport experience with 4 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: over $190 in value.
Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore 
Points can be redeemed through another vendor as long as the trip is charged to your Passport credit card, which adds flexibility in travel planning; Free Visa Airport Companion Program membership plus six complimentary lounge visits per year from the date of enrollment

The TD Aeroplan Visa Infinite Card is not available for residents of Quebec. For Quebec residents, please click here.

Terms and conditions apply.

In this table, you can see some of the best features and essential info about comparable travel rewards credit cards we’ve reviewed.

There are plenty of things to consider when deciding on the most suitable travel rewards card for you. The earn rate and available options for rewards, as well as restrictions and /or flexibility of redeeming for those rewards are all important things to compare.

You should also consider the pros and cons of different travel rewards programs. For example, the Scotiabank and CIBC cards have more transfer partners, whereas the TD® Aeroplan® Visa Infinite* Card does not. Additionally, the Scotiabank Passport® Visa Infinite* Card offers six Priority Pass Membership passes per year whereas the TD® Aeroplan® Visa Infinite* Card does not offer lounge access at all. In comparison, for the CIBC Aventura® Gold Visa* Card: Elevate your airport experience with four complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: over $190 in value.

¹ Conditions Apply. Visit here for the Scotiabank Passport® Visa Infinite* Card to learn more.

Final word

Overall, The CIBC Aventura® Gold Visa* Card is a great option for any frequent travelers and spenders. In order to earn the points you’d like to redeem on travel, you have to make sure your spending habits line up with the ways in which you can earn these points.

That being said, if you have a family and spend a good amount on both groceries and gas (and/or EV charging), this card is a sure-fire opportunity to earn points toward the travels of your dreams. Not only that, but there are other fun rewards and financial products available as a CIBC Aventura® Gold Visa* Card cardholder.

The minimal income requirement can be great but do proceed with caution in applying for this card simply because you fit that requirement. You want to make sure you are able to manage this card in a smart way for your finances and lifestyle.

Apply now

† Terms and Conditions apply

This is a digital-exclusive offer.

To be eligible for this offer:

1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and

2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.

This offer is reserved for you. Please do not forward it to anyone else. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another eligible card within the last 12 months.

Quebec residents – Learn more about this CIBC product here

Résidents du Québec : Pour en savoir plus sur ce produit CIBC, suivez ce lien

About our author

Em Norton
Em Norton, Staff Writer

Em Norton is a Staff Writer for Em holds a B.A. in Professional Writing from York University where their studies focused on publishing and editing. Em has been writing professionally since 2019 and has previously been published by IN Magazine, Xtra Magazine, Money Under 30, Money After Graduation, Our Canada and more. Though often found writing about money, generational divides and pop culture here at, Em also dabbles in poetry and prose. In their spare time, Em can be found playing with their black cat, doing yoga and reading books at an excessive pace.


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