CIBC Aventura Gold Visa Card
Travellers below the Visa Infinite income threshold who still want full Aventura earn rates.
VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Our verdict
Effectively the Aventura Visa Infinite for those who don't meet the $60k income bar: same fee, same earn rates and most of the same perks, minus trip cancellation coverage.
Reward rates
Travel via CIBC Rewards Centre (CIBC by Expedia) | 2x |
Gas & EV charging | 1.5x |
Groceries | 1.5x |
Drug stores | 1.5x |
Everything else | 1x |
VaultNerd values these points at ~1¢ each.
Welcome bonus
Up to 60,000 Aventura Points plus a one-time annual fee rebate ($139); CIBC values the offer at up to $1,800
Requirement: 15,000 points on first purchase; 30,000 points after $3,000 spend in first 4 statement periods; 15,000 points with $5,000 in net purchases in first 4 statement periods
Pros
- Visa Infinite-level earn rates with only a $15,000 income requirement
- Lounge visits and NEXUS rebate included
Cons
- No trip cancellation/interruption insurance, unlike the Infinite version
- Fewer Visa Infinite lifestyle perks
Perks
- 4 complimentary airport lounge visits per year via Visa Airport Companion
- NEXUS application fee rebate every 4 years
- Same earn rates as the Visa Infinite with a lower income requirement
- Flexible redemption on any airline plus hotels and more
- Up to 10 cents off per litre with Journie Rewards
Insurance
- Out-of-province emergency travel medical
- Flight delay and baggage
- Car rental collision and loss damage
- Common carrier accident ($500,000)
- Purchase security and extended protection
- Hotel burglary
- Mobile device insurance
Frequently asked questions
Is the CIBC Aventura Gold Visa Card worth it?
It charges a $139 annual fee, and we rate it 3.9 out of 5. It's best suited to travellers below the Visa Infinite income threshold who still want full Aventura earn rates. The welcome bonus is worth roughly $739, which covers the first year for many people. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the CIBC Aventura Gold Visa Card earn?
It earns 2x on travel via cibc rewards centre (cibc by expedia), 1.5x on gas & ev charging and 1.5x on groceries. We value these points at about 1¢ each, so the top rate works out to roughly 2.0% back.
What credit score do you need for the CIBC Aventura Gold Visa Card?
We'd suggest a score of around 680 or higher, which puts approval in our "moderate" band. It also lists an income requirement of $15,000 household. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed June 2026 · How we research
“CIBC Aventura Gold Visa Card Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/cibc-aventura-gold-visa, updated June 2026.
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