CIBC U.S. Dollar Aventura® Gold Visa* Card

Pros & Cons

Pros

+First Year Annual Fee Rebate ($35 annual fee rebated)
+Welcome Bonus: 2,500 points
+Purchase protection included

Cons

–Foreign Transaction Fee (2.5%)

Our Review

The CIBC U.S. Dollar Aventura Gold Visa Card is designed for people who regularly make purchases in U.S. dollars, for example for travel or U.S.-based subscriptions. By paying your expenses directly in U.S. dollars, you avoid the fees and fluctuations tied to currency conversion.

You earn Aventura Points, redeemable for travel, and you get an annual fee rebate for the first year. The annual fee is US$35 and the minimum personal income required is $15,000.

The annual interest rate is 21.99% on purchases and 22.99% on cash advances.

Rewards

All Spending

0.5x

CIBC Aventura pts per dollar

Credit Card Rewards Calculator

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

Your point valuation· CIBC Aventura¢/ point

0.60¢3.6¢

Groceries0.5x

$700/month

Gas & EV0.5x

$200/month

Transit0.5x

$100/month

Restaurants0.5x

$300/month

Pharmacy0.5x

$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

15,000

CIBC Aventura/yr

Estimated Value

$180

After Fees

+$180

1st Year Value

$210

incl. welcome bonus

Annual rewards breakdown

Groceries$8,400/yr × 0.5x4,200 pts

Gas & EV$2,400/yr × 0.5x1,200 pts

Transit$1,200/yr × 0.5x600 pts

Restaurants$3,600/yr × 0.5x1,800 pts

Pharmacy$600/yr × 0.5x300 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 year0.5x

Average earn rate on spend 1st year with welcome bonus0.58x

Total points earned on spend15,000 pts

Welcome bonus points+2,500 pts

Earn 2,500 CIBC Aventura

Total points earned17,500 pts

Value of accumulated points≈ $210

Travel Insurance

✓

Travel Accident

Up to $100,000

Purchase Protection

✓

Purchase Protection

Included

✓

Extended Warranty

+1 year(s)

✓

Auto Rental

Up to $65,000 / 48 days

Interest Rates

Purchase Rate
21.99%
Cash Advance
22.99%
Cash advance rate (Quebec)
21.99%
Foreign Transaction Fee
2.5%

Eligibility

Personal Income

$15,000

Household Income

$15,000

Terms & Conditions

Card Features

Earn up to 2,500 Aventura Points^† and get an annual fee rebate for the first year^†
Get 500 Aventura Points for completing each of the activities below within 60 days of your CIBC Aventura® Visa* card account approval^†:
- Share your email address with CIBC
- Register for e-statements with your new Aventura Visa card;
- Add an authorized user to your new Aventura Visa card;
- Hold any eligible CIBC checking account;
- Add your Aventura Visa card to Apple Pay^MD, Samsung Pay or Google Pay^MC.