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Pros & Cons

Pros

  • +Welcome Bonus: 12,500 points
  • +Purchase protection included
  • +No annual fee

Cons

  • Foreign Transaction Fee (2.5%)

Our Review

The CIBC Aventura® Visa* Card is one of the best no-fee Visa credit cards with travel rewards in Canada.

Get up to 12,500 Aventura points (a value of up to $125 toward travel):

  • 2,500 Aventura Points when you complete all five activities within 60 days of your CIBC Aventura® Visa* account approval.
  • 10,000 Aventura points after making your first purchase during the period covered by your first 4 monthly statements

With this no annual fee CIBC Aventura Credit Card, you get:

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

And this no-annual-fee CIBC Credit Card offers some insurance coverage:

  • $100,000 Common Carrier Accident Insurance
  • Purchase Security and Extended Protection Insurance

Rewards

All Spending

0.5x

CIBC Aventura pts per dollar

Groceries

1x

Gas

1x

Pharmacy

1x

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.60¢3.6¢
Groceries1x
$700/month
Gas & EV1x
$200/month
Transit0.5x
$100/month
Restaurants0.5x
$300/month
Pharmacy1x
$50/month
Travel0.5x
$150/month
Bills & recurring payments0.5x
$250/month
Telecom0.5x
$150/month
Entertainment & streaming0.5x
$100/month
Office supplies0.5x
$0/month
All other spending0.5x
$500/month

Points Earned

20,700

CIBC Aventura/yr

Estimated Value

$248

After Fees

+$248

1st Year Value

$398

incl. welcome bonus

Annual rewards breakdown

Groceries$8,400/yr × 1x8,400 pts
Gas & EV$2,400/yr × 1x2,400 pts
Transit$1,200/yr × 0.5x600 pts
Restaurants$3,600/yr × 0.5x1,800 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 0.5x900 pts
Bills & recurring payments$3,000/yr × 0.5x1,500 pts
Telecom$1,800/yr × 0.5x900 pts
Entertainment & streaming$1,200/yr × 0.5x600 pts
All other spending$6,000/yr × 0.5x3,000 pts
Total annual spend$30,000
Monthly spend$2,500
Average earn rate on spend per year0.69x
Average earn rate on spend 1st year with welcome bonus1.11x
Total points earned on spend20,700 pts
Welcome bonus points+12,500 pts
  • Earn 2,500 CIBC Aventura
  • Earn 10,000 CIBC Aventura
Total points earned33,200 pts
Value of accumulated points$398

Travel Insurance

Travel Accident

Up to $100,000

Purchase Protection

Purchase Protection

Included

Extended Warranty

+1 year(s)

View the insurance certificate (PDF)

Fees and interest rates

  • Annual Fee
    $0
  • Additional card fee
    $0
  • Foreign currency conversion fee
    2.5%
  • Purchase Rate
    21.99%
  • Balance transfer rate22.99%
    Quebec21.99%
  • Cash advance rate22.99%
    Quebec21.99%

Eligibility

Personal Income

$15,000

Household Income

$15,000

Terms & Conditions

Card Features

Welcome Offer: Join and get up to $200 in value for no annual fee.

Here’s how it adds up:

  • Get up to 12,500 Aventura Points (up to $125 in travel value):
    • 2,500 Aventura Points when you complete all five activities within 60 days of your CIBC Aventura® Visa* account approval.
    • 10,000 Aventura Points after you make your first purchase within first 4 months.
  • As an eligible CIBC Cardholder, take advantage of a free Skip+ membership (first year value of $110).
  • Travel when it’s right for you – your Aventura Points don’t expire
  • Redeem your Aventura Points for more than travel with our Shop With Points/Pay with Points features
  • Travel local – Aventura Points can be redeemed for more than just flights – use your points for hotels and car rentals for a weekend getaway
  • 1 point for every $1 spent on travel purchased through the CIBC Rewards Centre
  • 1 point for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores
  • 1 point for every $2 spent on all other purchases

Get a free Skip+ membership when you link your eligible CIBC credit card

Plus, enjoy $0 delivery fees and earn a $10 monthly voucher.

Fuel up for less

Link your card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. RedFlagDeals may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 CIBC. All trademarks are property of their respective owners.