CIBC Aventura Visa Infinite: flexible travel points, no blackout dates
The CIBC Aventura Visa Infinite Card is a travel rewards credit card that earns points on everyday spending and includes travel insurance, airport lounge visits and Visa Infinite benefits.
It fits Canadians who want flexible travel rewards and meet the card’s minimum income requirement, as long as they’re comfortable with the annual fee and the card’s interest rates.
With this card, you earn Aventura Points on eligible purchases and can redeem them for flights on any airline, with no blackout dates when booking through the CIBC Rewards Centre, as well as for hotels, car rentals, vacation packages and more.
Pros and cons of the credit card
Pros
- Earn 2 Aventura Points per $1 on travel booked through the CIBC Rewards Centre, 1.5 points per $1 at eligible gas stations, electric vehicle charging stations, grocery stores and drug stores, and 1 point per $1 on all other purchases;
- Aventura Points don’t expire, and you can use them for flights, hotels, car rentals and vacation packages, to pay down your balance or for merchandise and gift cards;
- Includes travel and purchase insurance, such as out-of-province emergency travel medical, flight delay and baggage, trip cancellation and interruption, car rental collision and loss damage, $500,000 common carrier accident, hotel burglary, purchase security and extended protection, and mobile device insurance;
- Get 4 complimentary airport lounge visits per year through the Visa Airport Companion Program, at more than 1,200 lounges worldwide;
- Get a rebate on one NEXUS application fee every 4 years;
- Access Visa Infinite benefits and a complimentary Skip+ membership when you link your card.
Insurance coverage is subject to the terms, limits and exclusions in the Certificate of Insurance provided with the card.
Cons
- A minimum income requirement applies: $60,000 personal or $100,000 household income;
- A $139 annual fee applies, plus $50 for each of up to 3 additional cards. You may be eligible for a rebate with a CIBC Smart Account;
- The purchase interest rate is 21.99%, so interest charges can add up quickly if you carry a balance;
- A 2.5% foreign currency conversion fee applies to purchases in other currencies;
- The flight rewards chart has a maximum ticket price for each region, so points may cover less of the fare for expensive flights.
Credit card fees and charges
According to the CIBC Credit Card Summary of Annual Interest Rates and Fees, the annual fee for the CIBC Aventura Visa Infinite Card is $139, and each authorized user card is $50.
The annual interest rate is 21.99% for purchases. For cash advances, balance transfers and convenience cheques, the rate is 22.99% (21.99% for Quebec residents). Your payment due date is at least 21 days after your statement date, and there’s no interest-free period for cash advances, balance transfers or convenience cheques.
If CIBC doesn’t receive your required payment two or more times in any 12-month period, higher interest rates apply for at least 12 months: 25.99% for purchases and 27.99% for cash advances, balance transfers and convenience cheques.
Foreign currency transactions are converted to Canadian dollars at the same rate CIBC must pay, and a 2.5% fee is charged on the converted amount, on both debits and credits.
Other fees listed by CIBC include:
- Overlimit fee: $29 (not applicable to Quebec residents);
- Cash advance fee: $5 within Canada and $7.50 outside Canada (not applicable to Quebec residents);
- Dishonoured payment to CIBC: $42.50;
- Dishonoured convenience cheque or balance transfer: $40;
- Mailed statement fee: $2.25 per monthly statement (no fee for eStatements).
Rates and fees checked on September 22, 2026, against the CIBC website and the CIBC Credit Card Summary of Annual Interest Rates and Fees (current as of August 1, 2026). Confirm current terms on the CIBC website before applying.
About CIBC
CIBC, or the Canadian Imperial Bank of Commerce, is one of Canada’s “Big Five” banks.
CIBC offers personal banking, business banking and wealth management across the country, including credit cards with different rewards structures.
Through the CIBC Mobile Banking app and CIBC Online Banking, you can activate your card, lock a missing card, report a lost or stolen card, and set up spend and fraud alerts.
Application
You can apply for the CIBC Aventura Visa Infinite Card online, by phone at 1-866-525-8622 or at a CIBC banking centre. CIBC says the online application takes about 5 minutes, and you’ll get a response in as little as 60 seconds.
You’ll be asked for personal and financial information, including your income, since the card requires a personal income of $60,000 or a household income of $100,000. The card also has a minimum credit limit.
CIBC reviews your application based on the information you provide and its credit criteria.
Once your card is activated, you can start earning Aventura Points on eligible purchases and manage your account through CIBC’s online and mobile banking.
Why apply for this credit card?
The CIBC Aventura Visa Infinite Card is built around Aventura Points, which you earn at a higher rate on gas, groceries, drug stores and travel booked through CIBC. You can use them for flights on any airline through the CIBC Rewards Centre, with no blackout dates, and to cover the full airfare, including taxes and fees.
For example, a round-trip flight within your province or to a nearby province or U.S. state requires 10,000 to 20,000 points, for a base fare of up to $400.
The card can also be useful for travellers who want insurance included with their card, like travel medical and trip cancellation coverage, plus 4 complimentary lounge visits.
Before applying, read the cardholder agreement and the fees summary. This helps you understand the $139 annual fee, the 21.99% purchase interest rate, the 2.5% foreign currency fee and the costs that apply if you carry a balance.
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Legal Disclaimer: This website is independent and purely informational, and its content does not constitute financial advice. Finvyu is not affiliated with CIBC. We do not guarantee credit approval or card issuance, which are subject solely to the risk analysis of the Canadian Imperial Bank of Commerce (CIBC). Finvyu Editorial Team.