45,000 CIBC Aventura points† 
$600 First-year value The CIBC Aventura® Gold Visa* Card is a near identical copy of the CIBC Aventura® Visa Infinite* Card, with a lower minimum income requirement and less travel insurance.
This card is right for you if you have a more modest income and want to earn Aventura Points to put towards travel.
Bonuses and Fees
The CIBC Aventura® Gold Visa* Card is currently offering an elevated bonus of up to 45,000 Aventura Points,† structured as follows:
- 15,000 Aventura Points when you make your first purchase†
- 30,000 Aventura Points when you spend $3,000 (CAD) or more in the first 4 monthly statement periods†
The $139 annual fee is currently rebated in the first year†; otherwise, if that offer weren’t available, it can be rebated if you have a CIBC Smart Plus Chequing Account.2
Plus, you can enjoy a first-year annual fee rebate for up to three supplementary cardholders as part of the current offer, that values up $189 in savings.†
Earning Rewards
This credit card earns CIBC Aventura Points on daily spending at the following rates:
- Earn 2 Aventura Points per dollar spent on eligible travel booked through the CIBC Rewards Centre†
- Earn 1.5 Aventura Points per dollar spent on eligible gas stations, grocery stores, electric vehicle charging, and drugstores†
- Earn 1 Aventura Point per dollar spent on all other eligible purchases†
Redeeming Rewards
CIBC Aventura Points can be redeemed in a variety of ways. However, the most valuable way to redeem Aventura Points is on travel purchases.
For example, you can redeem Aventura Points for eligible flights booked through the CIBC Rewards Centre at a rate of 1 cent per point.
You can also use CIBC Aventura Points towards an $800 (CAD) airline ticket in the “Canada and U.S. (Long-Haul)” category on the Aventura Flight Rewards Chart, which could increase the value of your points from 1 cent per point (cpp) to 2.28 cents per point.
Generally speaking, it’s recommended to redeem Aventura Points via the Aventura Flight Rewards Chart whenever possible, since it offers the maximum value for your points. It’s worth noting that this must be done through the CIBC Rewards Centre.
However, Aventura Points can also be useful for offsetting the cost of travel that’s otherwise difficult to book with points.
For example, Aventura Points can be used to cover the cost of eligible independent hotels, short-term rentals, car rentals, trains, or flights that can’t be booked with other airline- or hotel-specific loyalty programs.
Perks & Benefits
As the primary cardholder, you’ll enjoy four complimentary lounge visits per membership year for you and any guests, which can be used at 1,200+ lounges globally through the Visa Airport Companion Program.†
Four lounge visits per year can be useful if you don’t tend to travel very often and don’t otherwise have lounge access with another credit card.
Another unique feature is the NEXUS application fee rebate, which provides one rebate of up to $100 (CAD) every four years towards the cost of your NEXUS application.†
NEXUS is a frequent traveller program designed to speed up your travels between Canada and the United States, and you’ll receive a full rebate simply by charging the application fee to your CIBC Aventura® Gold Visa* Card.
Cardholders of the CIBC Aventura® Gold Visa* Card can save up to 10¢ per litre at participating Pioneer, Fas Gas, Ultramar, and Chevron gas stations.† To benefit from this discount, you’ll need to link your card with Journie Rewards, and then make qualifying purchases at eligible gas stations.†
Insurance Coverage
The CIBC Aventura® Gold Visa* Card is effectively a version of the CIBC Aventura® Visa Infinite* Card for those who don’t meet the higher income requirements. In fact, insurance is the only major aspect in which these two cards differ.
The CIBC Aventura® Gold Visa* Card features out-of-province emergency medical insurance of up to $5,000,000,† plus coverage for flight and baggage delays,† hotel burglary,† and car rental loss or damage.†
It’s worth noting that the CIBC Aventura® Gold Visa* Card doesn’t feature Trip Cancellation/Trip Interruption insurance, or emergency medical insurance for anyone over the age of 64, which are offered on the CIBC Aventura® Visa Infinite* Card.†
There’s also Mobile Device Insurance available to cardholders.† By paying for your smartphone, tablet, or smartwatch using your CIBC Aventura® Gold Visa* Card, you’ll get coverage of up to $1,000 in the event your mobile device is lost, stolen, or accidentally damaged, for up to 24 months!†
That can be beneficial for many people, and so the next time you’re in the market for a new mobile device, it’s worth considering using the CIBC Aventura® Gold Visa* Card to fund your purchase.