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CIBC Aventura points are worth the most on flights booked with the Aventura Airline Rewards Chart: a round trip within Canada or the US costs 10,000 to 35,000 points against a maximum ticket price, which works out to between about 1.6 and 2.3 cents a point at the top of each range. Used for other travel they’re worth 1 cent, and against your card balance 0.625 cents.
Checked November 2026
FlightsFrom 10,000points for a short-haul round trip
Flight chart value1.6 to 2.3¢a point at the maximum fares
A mid-range travel card for people who want Aventura points plus airport perks. You earn extra on travel, gas and groceries, and the $139 fee is rebated in year one.
Suits you if
You travel a few times a year and like airport lounges
You spend a lot on groceries, gas and drugstore items
You’d use a NEXUS rebate for quicker border crossings
Look elsewhere if
You spend mostly outside the bonus categories, where it earns 1x
You shop abroad often, with a 2.5% foreign transaction fee
You don’t want to pay $139 a year after the first year
Credit Lab Expert
2 points per dollar on travel purchases
1.5 points per dollar on gas, groceries and drugstore purchases
$139 annual fee rebated in the first year
Includes airport lounge access and a NEXUS rebate
2.5% foreign transaction fee on purchases abroad
Only 1 point per dollar outside the bonus categories
CIBC Aventura® Visa Infinite* Card: fees and rates
Annual fee
$139
Foreign transaction fee
2.5%
Purchase rate
21.99%
Cash advance rate
22.99%
Eligibility
CIBC Aventura® Visa Infinite* Card: eligibility
Recommended credit score
720or higher (Good)
Minimum personal income
$60,000
Minimum household income
$100,000
Travel emergency medical
Trip cancellation & interruption
Flight & baggage delay
Rental car collision/loss damage
Mobile device insurance
Book any airline, any seat, with no blackout dates
4 complimentary lounge visits through the Visa Airport Companion Program (welcome offer)
NEXUS application fee rebate (welcome offer)
One-time annual fee rebate for the primary cardholder and up to three authorized users in year one
Free Skip+ membership when you link the card
Up to 10 cents off per litre on eligible gas with Journie Rewards
LAB REPORT
A good pick if you want to fly any airline without blackout dates. It pairs flexible Aventura points with a well-rounded insurance package, including mobile device coverage.
Suits you if
You want to book any airline and any seat with points
You spend steadily on groceries, gas and drugstores
You want travel, trip cancellation and phone insurance on one card
Look elsewhere if
You earn less than $60,000 a year
You won’t book travel through CIBC to get 2x
You spend often in other currencies, with a 2.5% fee
Credit Lab Expert
Book any airline and any seat with no blackout dates
Up to 60,000 Aventura points plus a first-year fee rebate
1.5 points per dollar on gas, EV charging, groceries and drugstores
Includes travel medical, trip cancellation and mobile device insurance
2.5% foreign transaction fee on purchases abroad
Only 1 point per dollar outside the bonus categories
Requires $60,000 in personal or $100,000 in household income
CIBC Aventura® Visa* Card for Business: fees and rates
Annual fee
$139
Foreign transaction fee
2.5%
Purchase rate
20.99%
Cash advance rate
22.99%
Eligibility
CIBC Aventura® Visa* Card for Business: eligibility
Recommended credit score
720or higher (Good)
Minimum personal income
$35,000
Trip cancellation
Trip interruption
Flight delay
Delayed baggage
Lost or stolen baggage
Car rental theft and damage
Travel accident
Purchase protection
Extended warranty
LAB REPORT
Built for small business owners who drive and travel for work. Gas and travel earn extra Aventura points, and the current offer rebates the $139 fee for the first 2 years.
Suits you if
You own a small business with regular travel costs
You fill up the tank often for business
You want simple points with only three earn rates
Look elsewhere if
You spend mostly on supplies or services, which earn just 1x
You pay suppliers in other currencies, with a 2.5% fee
You don’t want a $139 fee from year three
Credit Lab Expert
2 points per dollar on Rewards Centre travel and 1.5 on gas, other travel and transportation
Annual fee rebated for the first 2 years
Up to 70,000 Aventura points in the welcome offer
2.5% foreign transaction fee
Only 1 point per dollar outside travel, gas and transportation
Earn flexible Aventura travel points with no annual fee
Points redeemable for flights on any airline, hotels and more
Points never expire while the account is open
Send money abroad to 120+ countries with no transfer fee
Up to 10 cents off per litre with Journie Rewards
LAB REPORT
A no-fee way to start collecting travel points. Gas, groceries and drugstore runs earn 1 point per dollar, and you can use points on flights with any airline.
Suits you if
You want travel points without paying an annual fee
You spend mostly on gas, groceries and drugstores
You like points that never expire while your account is open
Look elsewhere if
You spend a lot elsewhere, where it earns 1 point per $2
You want travel medical or trip cancellation insurance
You often buy things in other currencies, with a 2.5% fee
Credit Lab Expert
No annual fee
1 point per dollar on gas, groceries and drug stores
Points redeem for flights on any airline, hotels and more
Points never expire while the account is open
Just 1 point per $2 on everything else
Thin insurance: common carrier accident and purchase coverage only
CIBC Aventura® Visa* Card for Students: fees and rates
Annual fee
$0
Foreign transaction fee
2.5%
Purchase rate
21.99%
Cash advance rate
22.99%
Eligibility
CIBC Aventura® Visa* Card for Students: eligibility
Recommended credit score
600or higher (Fair)
Common carrier accident
Purchase security
Extended protection
No annual fee and no minimum income requirement
Free SPC+ membership with discounts at 450+ brands
Builds credit history while earning travel points
Credit limit up to $5,000 for Canadian students
Points never expire while the account is open
LAB REPORT
A first credit card for students who want to build credit while saving points for a trip. There’s no annual fee or income minimum, and you get a free SPC+ membership.
Suits you if
You’re a student getting your first credit card
You have little or no income right now
You’d use SPC+ discounts at stores you already shop at
You want points you can put toward flights later
Look elsewhere if
You want cash back instead of travel points
You spend mostly elsewhere, which earns 1 point per $2
You’ll study or travel abroad, where a 2.5% fee applies
Credit Lab Expert
No annual fee and no minimum income requirement
Up to 12,500 Aventura points as a welcome bonus
Free SPC+ membership with discounts at 450+ brands
Aventura points don’t expire while your account is open
Only 1 point per $2 outside the bonus categories
Insurance limited to common carrier accident and purchase coverage
CIBC Aventura® Visa Infinite Privilege* Card: fees and rates
Annual fee
$499
Foreign transaction fee
2.5%
Purchase rate
21.99%
Cash advance rate
22.99%
Eligibility
CIBC Aventura® Visa Infinite Privilege* Card: eligibility
Recommended credit score
760or higher (Excellent)
Minimum personal income
$150,000
Minimum household income
$200,000
Out-of-province emergency travel medical
Trip cancellation
Trip interruption
Flight delay
Baggage
Car rental collision and loss damage
Hotel burglary
Common carrier accident
Mobile device insurance
Purchase security
Extended protection
$200 annual travel credit
6 complimentary airport lounge visits per year via Visa Airport Companion
2 NEXUS application fee rebates (a $325 value)
Priority Security Lane and airport parking discounts at select Canadian airports
24/7 Visa Infinite Privilege concierge and luxury hotel benefits
LAB REPORT
Worth the $499 fee only if you travel often and will use the $200 yearly travel credit, lounge visits and NEXUS rebates. Everyday spending earns well too, with 2x on groceries, gas and dining.
Suits you if
You fly several times a year and like airport lounges
You’ll use a $200 travel credit every year
You spend a lot on groceries, gas, dining and transportation
You want broad travel insurance without being tied to one airline
Look elsewhere if
You won’t use the travel credit to offset the $499 fee
You spend a lot abroad, where a 2.5% foreign transaction fee applies
You have a credit score under 760
Credit Lab Expert
2x points on groceries, gas, dining and transportation; 1.25x elsewhere
$200 annual travel credit
Six lounge visits a year and two NEXUS application fee rebates
Broad insurance, including travel medical and mobile device coverage
$499 annual fee, plus $99 for each additional card
2.5% foreign transaction fee on a premium travel card
Aimed at applicants with a credit score of 760 or higher
CIBC Aventura points (2026): what they’re worth on flights, travel and your bill
LAB REPORT
Best for CIBC cardholders who redeem for flights on the Aventura Airline Rewards Chart, where points can be worth about 2¢. Used on your card balance they’re worth 0.625¢, so the chart is where the program earns its keep.
Suits you if
You take a round-trip flight in Canada or the US most years
You’re happy to book through the CIBC Rewards Centre
You want points that don’t expire
Look elsewhere if
You’d mostly use points to pay your card balance
You want a fixed value without checking fares
You want simple cash back at one rate
Credit Lab Expert
What are your CIBC Aventura points worth?
How many points will I earn?
You’d earn about500 pointsWorth about $5.00 at 1.00¢ a point. Rates vary by card, so pick yours above for its exact rates.
How many points do I need?
Published price20,000 pointsCovers a ticket up to $40010,000 to 20,000 points, maximum ticket price $400, plus taxes.
Aventura is CIBC’s travel rewards program. You earn Aventura points on CIBC Aventura credit cards, then redeem them for flights, other travel, merchandise and gift cards, or payments to your card and other CIBC products. Travel is booked through the CIBC Rewards Centre, which CIBC says has used Expedia as its travel supplier since October 1, 2024.
This is where Aventura points are worth the most. Instead of converting points to dollars, the chart sets a points price for a round-trip economy flight in each region, up to a maximum ticket price before taxes. CIBC says the exact points within each range depend on the fare the airline sets.
Canada and US, short-haul (within or to a neighbouring province or state)
10,000 to 20,000
$400
2.0¢
Canada and US, long-haul (not Hawaii or Alaska)
25,000 to 35,000
$800
2.29¢
Mexico, Alaska, Hawaii, Central America, Caribbean
40,000 to 60,000
$1,000
1.67¢
Europe
50,000 to 70,000
$1,300
1.86¢
Rest of the world
75,000 to 125,000
$2,000
1.6¢
The last column divides the maximum ticket price by the top of the points range. A cheaper fare costs fewer points, so check your own booking: divide the base fare by the points it costs.
Taxes and other charges aren’t included. Charge them to your card or pay them with points at the Flexible Travel rate.
If the fare is above the maximum ticket price, you pay the difference in cash or points.
You need at least 80% of the points for the flight; CIBC lets you buy up to 20%.
Chart tickets are non-refundable, and CIBC can change the chart without notice.
CIBC Aventura Visa Infinite Privilege cardholders also get a business class chart, from 40,000 points for a short-haul round trip up to $1,000 to 150,000 points for Europe up to $3,000.
Other ways to redeem and what they’re worth
Aventura redemption rates
Redemption
Rate
Value per point
Flexible Travel: flights, hotels, car rentals and packages through the CIBC Rewards Centre
CIBC says its points-to-dollars ratios can change at any time without notice. Only the primary cardholder can use Payment with Points, Shopping with Points or financial product redemptions.
How you earn Aventura points
Points per $1, from CIBC’s card pages
Spending
Visa Infinite and Gold Visa
Visa Infinite Privilege
Aventura Visa and Students
Travel booked through the CIBC Rewards Centre
2
3
1
Gas and EV charging, groceries
1.5
2
1
Drugstores
1.5
1.25
1
Dining, entertainment and transportation
1
2
0.5
Everything else
1
1.25
0.5
Annual fee
$139
$499
$0
CIBC’s pages don’t list caps on these rates. The business card earns at its own rates; see its review.
What the cards really pay back
The same points pay very different amounts depending on how you use them. Here is the return per $1 spent, using about 2 cents for chart flights near their maximum fares.
Return per $1 spent, by how you redeem
Card and category
Chart flights (about 2¢)
Flexible Travel (1¢)
Card balance (0.625¢)
Visa Infinite: gas and groceries (1.5 points)
3%
1.5%
0.94%
Visa Infinite: everything else (1 point)
2%
1%
0.63%
Visa Infinite Privilege: groceries and dining (2 points)
4%
2%
1.25%
Visa Infinite Privilege: everything else (1.25 points)
2.5%
1.25%
0.78%
Aventura Visa: gas and groceries (1 point)
2%
1%
0.63%
Worked example: 30,000 points from a year on a Visa Infinite card fall inside the 25,000 to 35,000 range for a long-haul round trip in Canada or the US, a fare that can be up to $800 before taxes. As a card payment, the same 30,000 points are worth $187.50.
Expiry and account rules
CIBC says Aventura points don’t expire.
If you close your Aventura card yourself, unredeemed points are cancelled after 60 days.
If CIBC closes the account, for example because it isn’t in good standing, the terms say all points are forfeited immediately.
Points have no cash value and can’t be turned into a credit on your balance except through Payment with Points or Shopping with Points.
Getting the most from Aventura
Save points for flights on the chart, especially round trips within Canada and the US, where the value is highest.
Compare the fare with the maximum ticket price: a fare close to the maximum gets the most from your points.
Pay taxes in cash if you can, since points on taxes are worth only 1 cent.
Avoid Payment with Points unless you need it; it’s the weakest common option at 0.625 cents.
Before you cancel a card, redeem within 60 days.
Who CIBC Aventura suits
It suits CIBC cardholders who fly within North America and are happy to book through the CIBC Rewards Centre. On the chart, a Visa Infinite card’s grocery and gas rate is worth about 3%, which is strong for a $139 card.
It depends on how you redeem. On the Aventura Airline Rewards Chart they can be worth about 2 cents each near the maximum fares. Other travel is 1 cent (100 points = $1), and payments to your card balance are 0.625 cents (4,000 points = $25).
How many Aventura points do I need for a flight?
On the chart, a round-trip economy flight costs 10,000 to 20,000 points for short-haul in Canada and the US, 25,000 to 35,000 for long-haul, 40,000 to 60,000 for Mexico and the Caribbean, 50,000 to 70,000 for Europe and 75,000 to 125,000 elsewhere, plus taxes.
What is the maximum ticket price on the Aventura chart?
Each region has a cap on the base fare: $400 short-haul, $800 long-haul in Canada and the US, $1,000 for Mexico and the Caribbean, $1,300 for Europe and $2,000 for the rest of the world. You pay anything above it, and taxes, separately.
Do CIBC Aventura points expire?
CIBC says they don’t expire. If you close your card, you have 60 days to redeem them before they’re cancelled.
Can I use Aventura points to pay my credit card bill?
Yes, with Payment with Points, starting at 4,000 points for a $25 payment. That’s 0.625 cents a point, well below what the points are worth on flights.
Can I put Aventura points toward my mortgage or TFSA?
Yes. CIBC’s Financial Products with Points start at 12,000 points for a $100 payment or contribution to a CIBC mortgage, TFSA or RRSP savings account, line of credit, loan or Investor’s Edge account.
Do I have to book through CIBC to use the flight chart?
Yes. The chart applies to round-trip flights booked through the CIBC Rewards Centre, online or by phone.
What if I don’t have enough points for a flight?
CIBC says you need at least 80% of the points the flight requires, and you can buy up to 20% of them.
General information for Canadians, not financial advice. Programs change their rules and redemption rates, so confirm the details with the program before you redeem. See our methodology.
