Annual fee
$0 first year
Then $120 annually
Best CIBC Aventura Credit Cards in Canada
Aventura cards are easier to compare when travel value is clear
CIBC Aventura cards can help earn points toward travel and other redemptions, but value depends on earn rates, annual fees, bonus offers, and benefits. RateBuddy brings those details into a clearer comparison view.
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Compare Top Aventura Cards
Use the filters to shape the card results below. Adjust your monthly spend, narrow by provider, or highlight no-fee and welcome-bonus options — RateBuddy will quietly refresh the list so the results stay connected to your choices.
Ready to refine
Annual fee
$120$0
First year waived
Purchase APR
19.99%
Cash advance
21.99%
CIBC
Best for
Travel Rewards
Business
Best for
Travel Rewards
Business
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$900
Estimated rewards from spending
Based on $1,500 in monthly spending
$198
First-year annual fee
$120 first-year fee waiver applied
$120
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$1,098
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1% | $54 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 1.5% | $27 |
| Travel | $75 | 2% | $18 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Aventura
First year free
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Purchase APR
19.99%
Regular purchase rate
Cash advance APR
21.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
—
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$35,000
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$120$0
First year waived
Purchase APR
19.99%
Cash advance
22.99%
CIBC
Best for
Travel Rewards
Business
Premium
Best for
Travel Rewards
Business
Premium
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$900
Estimated rewards from spending
Based on $1,500 in monthly spending
$198
First-year annual fee
$120 first-year fee waiver applied
$120
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$1,098
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1% | $54 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 1.5% | $27 |
| Travel | $75 | 2% | $18 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Aventura
First year free
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0 first year
Then $120 annually
Purchase APR
19.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
—
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$35,000
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$499
Purchase APR
21.99%
Cash advance
22.99%
CIBC
Best for
Travel Rewards
Premium
Best for
Travel Rewards
Premium
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$1,100
Estimated rewards from spending
Based on $1,500 in monthly spending
$321.75
First-year annual fee
Fee charged during the first year
$499
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$922.75
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 2% | $108 |
| Dining | $300 | 2% | $72 |
| Gas and transit | $150 | 2% | $36 |
| Travel | $75 | 3% | $27 |
| Recurring bills | $75 | 1.25% | $11.25 |
| Other purchases | $450 | 1.25% | $67.50 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Aventura
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$499
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
—
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$150,000
Minimum household income
$200,000
Approval, rates and credit limits are determined by the card provider.
Annual fee
$139
Purchase APR
21.99%
Cash advance
22.99%
CIBC
Best for
Travel Rewards
Premium
Best for
Travel Rewards
Premium
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$600
Estimated rewards from spending
Based on $1,500 in monthly spending
$225
First-year annual fee
Fee charged during the first year
$139
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$686
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1.5% | $81 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 1.5% | $27 |
| Travel | $75 | 2% | $18 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Aventura
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$139
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
—
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$60,000
Minimum household income
$100,000
Approval, rates and credit limits are determined by the card provider.
Annual fee
$139
Purchase APR
21.99%
Cash advance
22.99%
CIBC
Best for
Travel Rewards
Best for
Travel Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$600
Estimated rewards from spending
Based on $1,500 in monthly spending
$225
First-year annual fee
Fee charged during the first year
$139
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$686
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1.5% | $81 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 1.5% | $27 |
| Travel | $75 | 2% | $18 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Aventura
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$139
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
—
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
$15,000
Approval, rates and credit limits are determined by the card provider.
Annual fee
$0
Purchase APR
21.99%
Cash advance
22.99%
CIBC
Best for
Travel Rewards
No Annual Fee
Best for
Travel Rewards
No Annual Fee
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$125
Estimated rewards from spending
Based on $1,500 in monthly spending
$130.50
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$255.50
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1% | $54 |
| Dining | $300 | 0.5% | $18 |
| Gas and transit | $150 | 1% | $18 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 0.5% | $4.50 |
| Other purchases | $450 | 0.5% | $27 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Aventura
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
—
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
$15,000
Approval, rates and credit limits are determined by the card provider.
Annual fee
$0
Purchase APR
21.99%
Cash advance
22.99%
CIBC
Best for
Travel Rewards
No Annual Fee
Student
Best for
Travel Rewards
No Annual Fee
Student
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$125
Estimated rewards from spending
Based on $1,500 in monthly spending
$130.50
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$255.50
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1% | $54 |
| Dining | $300 | 0.5% | $18 |
| Gas and transit | $150 | 1% | $18 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 0.5% | $4.50 |
| Other purchases | $450 | 0.5% | $27 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Aventura
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
—
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$0
Minimum household income
$0
Approval, rates and credit limits are determined by the card provider.
Annual fee
$35$0
First year waived
Purchase APR
21.99%
Cash advance
22.99%
CIBC
Best for
Travel Rewards
US Dollar Cards
Best for
Travel Rewards
US Dollar Cards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$60
Estimated rewards from spending
Based on $1,500 in monthly spending
$94.50
First-year annual fee
$35 first-year fee waiver applied
$35
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$154.50
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 0.5% | $27 |
| Dining | $300 | 0.5% | $18 |
| Gas and transit | $150 | 0.5% | $9 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 0.5% | $4.50 |
| Other purchases | $450 | 0.5% | $27 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Aventura
First year free
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0 first year
Then $35 annually
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
—
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
$15,000
Approval, rates and credit limits are determined by the card provider.
RateBuddy
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Why Choose a Credit Card?
Beyond simple convenience, the right credit card offers a layer of consumer protection, financial leverage, and rewards that debit cards or cash simply cannot match.
Zero Liability Protection
Canadian credit cards come with robust federal protections against unauthorized transactions. Unlike cash, which is gone forever if lost, or debit cards which are directly linked to your bank funds, a credit card offers a buffer. If your card is used fraudulently, you are generally not held liable for those charges once reported. This keeps your actual bank account safe and liquid while the bank investigates the issue. It provides peace of mind in an era of increasing digital fraud.
Value-Added Rewards
Every purchase you make is an opportunity to earn a return on your spending. Whether you prefer travel points, merchandise, or cash back, using a credit card allows you to get value back on expenses you were going to pay anyway. Over the course of a year, a standard 1-2% reward rate can accumulate into hundreds of dollars in free groceries or flights. It is effectively a discount on your entire lifestyle, provided you pay your balance in full. Why pay full price with cash when you can earn a rebate with credit?
Building Credit History
Your credit score is your financial passport in Canada, dictating your ability to rent apartments, get a mortgage, or finance a car. Responsible credit card use is one of the most effective and fastest ways to establish this history. By using a card and paying it off on time every month, you demonstrate reliability to future lenders. A long, positive history with a credit card accounts for a significant portion of your credit score calculation. Without this history, obtaining major loans later in life can be difficult or much more expensive.
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Cash Back
Earn money on daily spend.
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Best for frequent flyers.
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Frequently Asked Questions
Common questions about Compare Top Aventura Cards Cards and financial strategy.
Disclaimer: Information is for educational purposes only and does not constitute financial or legal advice. Terms subject to change by issuers.
Major networks like Visa, Mastercard, and Amex have 'Zero Liability' policies. This generally means that cardholders are not held responsible for unauthorized transactions if they have taken reasonable care of their card and PIN, and report the loss or theft promptly to the issuer.
Yes, many major banks offer specific programs for newcomers that do not require a Canadian credit history. You may need to visit a branch in person and provide immigration documents (such as a Permanent Resident card or Work Permit) to be approved.
If a transaction pushes you over your limit, the issuer may decline the transaction or, in some cases, accept it and charge an 'Over-Limit Fee' (typically around $29). Exceeding your limit can also negatively impact your credit score. It is best to keep balances well below your limit.
Personal income generally refers to your individual annual earnings. Household income typically includes the combined income of you and your spouse or common-law partner. Premium cards often have higher income thresholds (e.g., $60k personal or $100k household) to qualify.
An authorized user is someone you add to your account (like a spouse or child) who gets their own card. The primary cardholder is fully responsible for all debt incurred by the authorized user. It can be a way to help someone build credit habits, but legal liability remains with the primary account holder.
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