Earn rates
The Infinite Privilege earns at three rates. Travel booked through the CIBC Rewards Centre earns 3 Aventura Points per dollar; dining, entertainment, transportation, gas stations, EV charging and grocery stores earn 2; everything else earns 1.25. It is the only Aventura card with an elevated base rate and the only one that bonuses dining and transit.
| Spending category | Earn rate | Points per $100 spent |
|---|---|---|
| Travel via CIBC Rewards Centre | 3x Aventura | 300 pts |
| Dining and entertainment | 2x Aventura | 200 pts |
| Transportation | 2x Aventura | 200 pts |
| Gas and EV charging | 2x Aventura | 200 pts |
| Grocery stores | 2x Aventura | 200 pts |
| Everything else | 1.25x Aventura | 125 pts |
Aventura Points are worth about 1¢ each on travel booked through the CIBC Rewards Centre. The Aventura Airline Rewards Chart prices flights in fixed point bands with a maximum ticket price per band, so a fare near the top of its band returns more; merchandise and statement credits return less. Points do not expire while the account is open.
Benefits
| Benefit | Details |
|---|---|
| Welcome offer | Up to 80,000 points in the first year: 25,000 on $3,000 and a further 25,000 on $6,000 in the first 4 statement periods, plus a 30,000-point anniversary bonus on $25,000 in net purchases in the first 12 months. Two NEXUS application fee rebates. |
| Annual travel credit | $200 each year against travel charged to the card, which brings the effective fee to $299 for anyone who travels at all. |
| Lounge access | 6 complimentary Visa Airport Companion visits per year at 1,200+ lounges. |
| Redemption | Any airline through the CIBC Rewards Centre with points covering airfare, taxes and fees; hotels, packages, cruises, merchandise and gift cards through the same centre; “Redeem with Points” against eligible travel charges on the card. |
| Travel insurance | CIBC lists out-of-province emergency travel medical, trip cancellation and trip interruption, flight delay and baggage, common carrier accident, car rental collision and loss damage, and hotel burglary coverage. Figures from the certificate are in the insurance section below. |
| Mobile device and purchase protection | Mobile device insurance, purchase security and extended protection on eligible purchases charged to the card. |
| Visa Infinite Privilege benefits | Concierge, the Visa Infinite hotel collection and dining series, car rental discounts with Avis and Budget, and one year of Skip+. |
Travel insurance on the CIBC Aventura Visa Infinite Privilege
Top 5 of 59 for coverage
Highest trip cancellation, $2,500
The CIBC Aventura Visa Infinite Privilege scores 96 of 100 on the figures its certificate publishes, joint 4th of the 59 Canadian cards compared. Emergency medical is capped at $5,000,000 for trips up to 31 days. At 65 the longest covered trip falls from 31 days to 10.
| Emergency medical | $5,000,000 · age 0–64: 31 days; age 65+: 10 days · 90-day stability window |
|---|---|
| Trip cancellation | $2,500 per person · $10,000 per account |
| Trip interruption | $5,000 per person · $25,000 per account |
| Flight or trip delay | $500 per person · after 4 hours · $1,000 per trip |
| Baggage delay | $500 per person · after 6 hours |
| Rental car collision or damage | Pays first · rentals to 48 days · vehicles to $100,000 |
A booking made with points still qualifies. You have 90 days from the incident to report a claim. Dependent children are covered to age 21.
Every figure from the certificate, with its own wording
| Emergency medical | limit: $5,000,000 (per insured person, per trip) age 0–64: 31 days; age 65+: 10 days pre existing stability days: 90 days (180 days if age 65 or over on your departure date) |
|---|---|
| Trip cancellation | per person: $2,500 (per insured person, per trip) per account: $10,000 (per trip for all insured persons combined) covered reasons: Your medical condition or admission to a hospital or medical facility following an emergency. (first of 27 covered reasons in the certificate chart; enumeration truncated at 40 words; the chart also lists family member or travelling companion medical condition or death, travel advisories, employer transfer, job loss, jury duty, common carrier delay, supplier default, quarantine, uninhabitable residence and cruise cancellation) |
| Trip interruption | per person: $5,000 (per insured person, per trip; shared maximum with trip delay) per account: $25,000 (per trip for all insured persons combined; shared maximum with trip delay) |
| Flight or trip delay | per person: $500 (Flight Delay benefit; sub-limits of $100 for ground transportation and $100 for entertainment for all insured persons combined; separate Trip Delay benefit under the trip cancellation certificate pays $200 per day to $2,000 per trip) trigger hours: 4 hours (certificate prints the trigger in words (four hours); benefits guide prints four (4) hours) per trip cap: $1,000 (aggregate limit per occurrence for all insured persons combined) |
| Baggage delay | per person: $500 (aggregate $1,000 per occurrence for all insured persons combined; replacement items purchased within four days of the delay) trigger hours: 6 hours (certificate prints the trigger in words (six hours); benefits guide prints six (6) hours) |
| Lost, stolen or damaged baggage | per person: $1,000 (aggregate $2,500 per occurrence for all insured persons combined; checked or carry-on baggage in the custody of a common carrier) |
| Travel accident | limit: $500,000 (per insured person; maximum from one accident regardless of the number of losses) common carrier only: Yes (at least 75% of the common carrier ticket price charged to the card) covers 24h: No (coverage applies while a passenger on, boarding or alighting from a common carrier, in the terminal, or in a taxi, bus, train or airport limousine directly to or from the terminal) |
| Hotel or motel burglary | $2,500 (per burglary occurrence for all insured persons combined; any portion of the accommodation paid with the card or points) |
| Emergency travel assistance | offered: Yes (Global Excel Management Inc., 24 hours a day, 7 days a week; 1 855 845-0999 in Canada and the United States, collect + 905 412-1102 elsewhere) hotline url: https://cibc.client.insure (printed as cibc.client.insure in the certificate and benefits guide; assistance is primarily by telephone) |
| Rental car collision or damage | is primary: Yes (except for losses waived or assumed by the rental agency or its insurer, and where local government insurance legislation states otherwise) limit basis: the actual cash value of the rental car and valid rental agency loss of use charges (no deductible) vehicle value cap: $100,000 (MSRP in its model year, excluding taxes, at the place the rental agreement is signed or the car is picked up) max rental days: 48 days (consecutive days; a rental exceeding 48 consecutive days has no coverage for any day) excluded classes: Vans, cargo vans or mini cargo vans (other than mini-vans), Trucks, pick-up trucks or any vehicle that can be spontaneously reconfigured into a pick-up truck, Limousines, Off-road vehicles, Motorcycles, mopeds or motor bikes. (items 3 to 7 of the 13-item EXCLUDED VEHICLES list; enumeration truncated at 40 words; the list also excludes trailers, campers, recreational vehicles or vehicles not licensed for road use, vehicles towing trailers, mini-buses or buses, hand-made or under-2,500-unit production vehicles, antique vehicles and tax-free cars) territory: The rental car may be driven across provincial and state boundaries in Canada and the United States and between Canada and the United States. (listed as an exception to the exclusion for operating the rental car in violation of the rental agreement; coverage available only to residents of Canada) |
| Purchase protection | days: 180 days (from the date of purchase; loss, theft or physical damage anywhere in the world) |
| Extended warranty | cap: $60,000 (maximum total limit of liability per cardholder for Purchase Security and Extended Protection claims across all CIBC cards held) |
| Mobile device | limit: $1,500 (per occurrence and per insured person; four claims in any 24 consecutive months across all CIBC cards; two years from purchase) deductible: less a 10% deductible (10% of the depreciated value at the date of loss; depreciated value is the purchase price less 2% per completed month since purchase) requires full charge: No (full purchase price charged to the card, or the required up-front payment charged and the balance financed with the card through a provider’s payment plan with all bill payments charged to the card) eligible events: Mobile Device Insurance provides coverage in the event your mobile device is lost, stolen or accidentally damaged, anywhere in the world. (coverage begins on the 181st day after purchase when the full price is charged; on the first transaction date when financed) |
Figures above are from the CIBC Aventura Visa Infinite Privilege Card Certificates of Insurance, effective 2025-07-01. Checked against the certificate for 13 coverage types. Terms change without notice; verify with the issuer before relying on any figure.
What the earn math looks like
A cardholder spending $2,500 per month, split across typical categories:
| Category | Monthly spend | Rate | Monthly points |
|---|---|---|---|
| Groceries | $600 | 2x | 1,200 pts |
| Dining and entertainment | $400 | 2x | 800 pts |
| Gas and transit | $300 | 2x | 600 pts |
| All other spending | $1,200 | 1.25x | 1,500 pts |
| Total | $2,500 | 4,100 pts / mo |
49,200 Aventura Points per year from everyday spending at this mix, worth about $492 in Rewards Centre travel at 1¢ per point. Add the $200 travel credit and the card returns about $692 against a $499 fee before travel booked at 3x, lounge visits or the welcome offer. That is a comfortable margin for a household with this spending; it is a thin one below about $1,500 a month, which is the honest floor for holding a $499 card on earn alone.
Good fit if
- You spend heavily on dining, transit, gas and groceries and want one card that bonuses all of them
- You take a few flights a year and will use six lounge visits and the $200 travel credit
- You bank at CIBC, meet the $150,000 income bar and want any-airline redemptions rather than an Aeroplan account
Not sure this is the card for how you travel? Book a free conversation, or see membership plans for ongoing help.
Less useful if
- You want lounge access without a visit cap or a currency that transfers to airlines; premium Aeroplan or Amex cards do both
- Your monthly spend is under about $1,500, where the earn does not clear the $499 fee even with the credit
- You mainly want the 2x / 1.5x everyday earn: the Aventura Visa Infinite gets most of it for $139