Travel Rewards
No Annual Fee
CIBC Aventura Visa Card
CIBC
Welcome Bonus:
Earn up to 12,500 Aventura Points for no annual fee.
Secure RateBuddy connection · Application completed on CIBC’s site
Annual Fee
$0
Purchase APR
21.99%
Cash Advance
22.99%
Bonus Value
$125
RateBuddy Verdict
The Good
- Allows you to earn flexible travel rewards without paying an annual fee.
- Highly accessible to apply for, requiring only a $15,000 minimum annual household income.
- Allows you to add up to 3 authorized users to the account completely free of charge.
The Trade-offs
- The base earn rate is exceptionally low, providing only 1 point for every $2 spent on non-category purchases.
- Does not include any travel or medical insurance, which is a major drawback for a travel-branded credit card.
- Lacks premium perks like airport lounge access or NEXUS application fee rebates found on higher-tier Aventura cards.
Rewards & Earnings
Groceries
1%
Dining
0.50%
Gas
1%
Travel
1%
Recurring Bills
0.50%
Base Rate
0.50%
Rewards Summary:
Travel via CIBC Rewards: 1 pt per $1; Gas, EV, Groceries & Drugstores: 1 pt per $1; Base Earn: 1 pt per $2; Perks: 12-month Skip+ free trial.
Welcome Bonus Details
Earn up to 12,500 Aventura Points for no annual fee.
Estimated Value: $125
Features & Benefits
No Annual Fee
No annual fee
Extended Warranty Insurance
Included
Purchase Security Insurance
Included
Hotel Status Benefits
4th Night Free on Aeroplan hotel redemptions
Common Carrier Accident Insurance
Up to $100,000 coverage
Insurance Coverage
Purchase Security: 90 days; Extended Warranty: +1 Year; Common Carrier: $100,000; Note: No Travel/Medical Insurance included.
Rates, Fees & Eligibility
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $0 |
| Income Required | Household: $15,000 |
| Recommended Credit Score | — |
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Filed Under
Travel Rewards
No Annual Fee
Secure RateBuddy connection