CIBC Aventura Gold Visa Card review

The CIBC Aventura Gold Visa Card offers comprehensive travel benefits and a decent return on Aventura Points. This card lets you Earn up to 35,000 Aventura Points in the first year. Plus, get a rebate on the first year annual fee.

30-second take

• Think about this card if you want travel benefits and a decent return on points.

• Choose something else if you want low interest or no annual fee.

• You’ll need to have a household income of $15,000 to qualify for this card.

The basics

Whether you’re a frequent flyer or planning your first trip overseas, you might benefit from the CIBC Aventura Gold Visa Card.

• Decent return. Earn 1.5 points for every $1 you spend on daily purchases like gas and groceries, 2 points on travel purchased through the CIBC rewards centre and 1 point on everything else.
• Welcome bonus. Earn up to 35,000 Aventura Points (up to $800 in travel value). Get 20,000 Aventura Points when you make your first purchase. Plus, in the first year, you can earn an additional 1,250 Aventura Points each monthly when you spend at least $1,000. That’s a total of up to 15,000 points. Also, get a rebate on the first year annual fee.
• DragonPass access. Get 4 complimentary passes to access more than 1,200+ airport lounges around the world every year.
• Travel medical insurance. Rest easy with full travel medical insurance for the first 15 days of your trip.
• Travel benefits. Protect yourself against losses with hotel burglary insurance and special travel coverage like baggage and flight delay insurance.

The perks

• Nexus fee rebate. Apply for fast border crossings between the US and Canada and get a $50 rebate on your application fee.
• Common carrier insurance. Cover your trip with up to $500,000 coverage when you travel by plane, ferry, train or bus
• Car rental insurance. Rent a car with your card and get automatic collision and damage insurance.
• Mobile device insurance. Get covered if you need to replace your phone due to loss, damage or theft
• Optional insurance. Pay an additional fee to get balance protection insurance to cover your minimum payments in case of emergency.
• Purchase protection. Rest easy with purchase insurance and extended warranty coverage on the products you buy with your card.

What to watch out for

• Annual fee. It will cost you $139 per year to keep your account active.
• High interest. You’ll pay as much as 20.99% interest on outstanding balances and 22.99% (21.99% for Quebec residents) on cash advances and balance transfers.
• Fee for additional cards. You’ll pay $50 for every additional card you add to your account.

CIBC Aventura Gold Visa Card interest rates

What should I know before I apply?

• Eligibility requirements

  To apply for a CIBC Aventura Gold Visa Card, you need to meet the following criteria:

  • Be a Canadian citizen or permanent resident who is at least 18 years old (19 in some provinces)
  • Earn a minimum household income of $15,000

• Required documents and information

  • Your name, residential status and contact information
  • Your social insurance number (SIN) and date of birth
  • Your email address and phone number

How to apply

1. Head to the CIBC website to begin your application.
2. Complete the application, which includes providing your name, email address, social insurance number and birth date.
3. Review and submit your application.

Bottom line

If you want to take advantage of comprehensive travel benefits and flexible rewards, the CIBC Aventura Gold Visa Card might be just the ticket. This card comes with a generous welcome bonus and a wide array of travel perks, but you’ll have to pay an annual fee to keep your account active.

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Frequently asked questions about the CIBC Aventura Gold Visa Card

• Does the CIBC Aventura Gold Visa Card have a welcome bonus?

  It does indeed. Earn up to 35,000 Aventura Points (up to $800 in travel value). Get 20,000 Aventura Points when you make your first purchase. Plus, in the first year, you can earn an additional 1,250 Aventura Points each monthly when you spend at least $1,000. That’s a total of up to 15,000 points. Also, get a rebate on the first year annual fee. You can exchange your Aventura Points for travel rewards, merchandise, gift cards and more.

  You’ll also be able to qualify for a fee rebate on your NEXUS application (which allows for priority border crossings between the US and Canada).

• Are there restrictions on redeeming points for travel?

  No. Aventura Points are quite flexible, which means you can use them to lock in flight discounts on just about any airline with no blackout periods. Your points will also never expire as long as you keep your account active and in good standing.

• Do any of CIBC's Aventura cards come without a fee?

  Yes. There are a couple of cards you can consider if you don’t want to pay an annual fee. These include the CIBC Aventura Gold Visa Card and the CIBC Aventura Visa Card for Students. The only downfall is you’ll usually earn fewer points and get fewer benefits with a fee-free card.

• Can I apply online?

  Yes, you can apply by visiting the CIBC bank website.