CIBC · Visa · travel
Aventura Visa Infinite
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Terms read from CIBC's page on Oct 16, 2026.
Year 1, after fees
$1,089
Year 2+, after fees
$350
every year after
3 years, after fees
$1,788
Break-even
Month 1
⚠ mostly first-year value
Earn rate by category
Points at 1.00¢ each (cash or statement credit); published range 1¢ to 2¢. Source: CIBC Aventura Visa Infinite card page.
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
On each spending preset
After fees; points at their cash value. "~" marks estimates.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student ($985/mo) | $608 | $19 | $646 | Month 1 |
| Couple ($2,555/mo) | $974 | $235 | $1,444 | Month 1 |
| Family ($3,350/mo) | $1,089 | $350 | $1,788 | Month 1 |
| Frequent traveller ($3,880/mo) | $1,127 | $388 | $1,903 | Month 1 |
| Big spender ($7,960/mo) | $1,671 | $932 | $3,536 | Month 1 |
Who it suits
- People who spend a lot on groceries and gas, where it earns above its base rate.
- Even light spenders: on a student's $985 a month it still earns back its fee.
Who should skip it
- Anyone keeping one card for years: most of its value on a family's spending comes in year 1.
- Spending abroad: 2.5% on every foreign-currency purchase.
- Anyone below the published income minimum ($60,000 personal or $100,000 household).
Fees and rates
- Annual fee
- $139, waived in year 1
- Additional card
- $50
- Foreign transaction fee
- 2.5%
- Purchase APR
- 21.99%
Rewards
- 2x on travel through the CIBC Rewards Centre
- 1.5x on gas, EV charging, groceries and drugstores
- 1x on everything else
Credits, as counted
- NEXUS application fee rebate: $160 every 4 years50% used
Eligibility and availability
- Income
- $60,000 personal or $100,000 household
- Provinces
- All (no restriction stated)
Published requirements only. We don't estimate approval odds.
Assumptions
- Point value: CIBC Aventura points at 1.00 cents each: no redemption style chosen, so cash or statement credit. Source: CIBC Aventura Visa Infinite card page.
- Welcome bonus: 15,000 points on the first purchase, 30,000 after $3,000 and 15,000 more after $5,000 in the first 4 statements. Your spending meets it in month 1.
- Credits: Each credit counts at the share a typical cardholder uses (listed on the card's page).
- Travel portal: Portal-only rates aren't counted, since you book directly.
- Note: The first-year fee is rebated.
- Note: CIBC's site doesn't state every term; the ones it doesn't are from third-party sites, cited in the sources.
Perks, listed but not valued
- 4 Visa Airport Companion lounge visits a year
Earns more every year after year 1
On a family's spending, these keep more value from year 2 than this card's $350.
Scotiabank Gold American ExpressYear 2+ $940
American Express SimplyCash PreferredYear 2+ $936
CIBC Dividend Visa InfiniteYear 2+ $767
Head to head
Frequently asked questions
Is the CIBC Aventura Visa Infinite worth it?
On a family's spending ($3,350 a month, points at their cash value), it's worth $1,089 in year 1 and $350 a year after that, after a $139 annual fee, waived in the first year. It covers its fee by month 1.
What is the CIBC Aventura Visa Infinite welcome offer?
15,000 points on the first purchase, 30,000 after $3,000 and 15,000 more after $5,000 in the first 4 statements.
Does the CIBC Aventura Visa Infinite charge foreign transaction fees?
Yes, 2.5% of each purchase in a foreign currency.
What income do you need for the CIBC Aventura Visa Infinite?
CIBC publishes a minimum of $60,000 personal income or $100,000 household income. Approval depends on more than income, and we don't estimate approval odds.
Sources
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Compare it with 39 other cards on the Canadian card comparison or read how cards are valued.