Earn rates
The Visa Infinite earns at three rates. Travel booked through the CIBC Rewards Centre earns 2 Aventura Points per dollar; gas stations, EV charging, grocery stores and drug stores earn 1.5; everything else earns 1. The rates match the Aventura Gold Visa; what the Infinite adds is the income tier and the Visa Infinite benefits.
| Spending category | Earn rate | Points per $100 spent |
|---|---|---|
| Travel via CIBC Rewards Centre | 2x Aventura | 200 pts |
| Gas and EV charging | 1.5x Aventura | 150 pts |
| Grocery stores | 1.5x Aventura | 150 pts |
| Drug stores | 1.5x Aventura | 150 pts |
| Everything else | 1x Aventura | 100 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 | 15,000 points on first purchase, 20,000 more on $3,000 in the first 4 statement periods, first-year fee rebated for the primary and up to three additional cards, 4 Visa Airport Companion lounge visits, a NEXUS application fee rebate and one year of Skip+. |
| 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, $500,000 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 insurance | Coverage on a mobile device bought with the card or financed on a plan paid with the card. |
| Purchase protection | Purchase security and extended protection on eligible purchases charged to the card. |
| Visa Infinite benefits | Visa Infinite Concierge, the Visa Infinite hotel collection and dining series, and Visa Airport Companion access. |
Travel insurance on the CIBC Aventura Visa Infinite
The CIBC Aventura Visa Infinite scores 81 of 100 on the figures its certificate publishes, joint 17th of the 59 Canadian cards compared. Emergency medical is capped at $5,000,000 for trips up to 15 days. At 65 the longest covered trip falls from 15 days to 3.
| Emergency medical | $5,000,000 · age 0–64: 15 days; age 65+: 3 days · 90-day stability window |
|---|---|
| Trip cancellation | $1,500 per person · $5,000 per account |
| Trip interruption | $2,000 per person |
| Flight or trip delay | $500 per person · after 4 hours · $500 per trip |
| Baggage delay | $500 per person · after 6 hours |
| Rental car collision or damage | Pays first · rentals to 48 days · vehicles to $85,000 |
You must charge 75% of the trip cost to the card for the coverage to apply. 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: 15 days; age 65+: 3 days pre existing stability days: 90 days (180 days if age 65 or over on the departure date) |
|---|---|
| Trip cancellation | per person: $1,500 (per insured person, per trip) per account: $5,000 (combined maximum for all insured persons per trip) covered reasons: Your medical condition or admission to a hospital or medical facility following an emergency (truncated; first of 27 covered reasons in the certificate chart, which also includes family member medical conditions and deaths, Government of Canada travel advisories, employer transfer, involuntary job loss, business meeting cancellation, jury duty, quarantine, common carrier and cruise cancellations, and default of an air transportation supplier) |
| Trip interruption | per person: $2,000 (per insured person, per trip; shared with trip delay) |
| Flight or trip delay | per person: $500 (Flight Delay: aggregate per occurrence for all insured persons combined, not per person; sub-limits of $100 ground transportation and $100 entertainment; Trip Delay benefit under the Trip Cancellation/Trip Interruption certificate pays up to $2,000 per insured person, including up to $100 per day to $1,000 per trip for out-of-pocket expenses) trigger hours: 4 hours (certificate prints the trigger in words as four hours; numeral appears in the benefit guide and product summary) per trip cap: $500 (per occurrence for all insured persons combined) |
| Baggage delay | per person: $500 (aggregate $1,000 for all insured persons combined; replacement items must be purchased within four days of the delay) trigger hours: 6 hours (certificate prints the trigger in words as six hours; numeral appears in the benefit guide and product summary) |
| Lost, stolen or damaged baggage | per person: $500 (aggregate $1,000 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 (includes taxi, bus, train or airport limousine directly to or from the terminal and time in the terminal before boarding or after alighting) covers 24h: No (coverage begins on boarding a common carrier or arriving at the terminal with intent to board and ends on alighting or leaving 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; 1 866 363-3338 in Canada and the United States, collect + 905 403-3338 elsewhere) hotline url: https://cibc.client.insure |
| 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: $85,000 (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. (truncated; the certificate list continues with trailers, campers, recreational vehicles or vehicles not licensed for road use, vehicles towing trailers, mini-buses or buses, handmade or low-production vehicles, antique vehicles and tax-free cars, plus vehicles with a MSRP over $85,000) |
| Purchase protection | days: 90 days (from the date of purchase; loss, theft or physical damage anywhere in the world) |
| Mobile device | limit: $1,000 (per occurrence and per insured person; replacement cost capped at depreciated value (purchase price less 2% per completed month); one claim per 12 months and two per 48 months across all CIBC cards; coverage ends two years from purchase) deductible: less a 10% deductible (applied to the depreciated value of the mobile device at the date of loss) requires full charge: Yes (or any required up-front payment charged to the card and the balance financed with the card through a Canadian wireless service provider or Canadian Buy Now Pay Later payment plan with all bill payments charged to the card) eligible events: lost, stolen or accidentally damaged (anywhere in the world; mobile device means a new cell phone, smartphone or tablet; laptop computers excluded) |
Figures above are from the CIBC Aventura Visa Infinite 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 | 1.5x | 900 pts |
| Gas | $200 | 1.5x | 300 pts |
| Drug store | $100 | 1.5x | 150 pts |
| All other spending | $1,600 | 1x | 1,600 pts |
| Total | $2,500 | 2,950 pts / mo |
35,400 Aventura Points per year from everyday spending at this mix, worth about $354 in Rewards Centre travel at 1¢ per point, before any travel booked through the centre at 2x. The welcome offer roughly doubles the first year and the fee is rebated; from year two the $139 fee is the number to weigh against a $354 return.
Good fit if
- You bank at CIBC, want a travel card, and do not fly Air Canada enough for the Aeroplan version to matter
- You want points that cover any airline, taxes included, without managing a separate loyalty account
- You spend most on gas, groceries and drug stores and can book travel through the Rewards Centre
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 fly Air Canada often: the CIBC Aeroplan Visa Infinite has the same fee and a currency worth more per point
- You want lounge access every year and 2x on dining and transit; that is the Infinite Privilege
- You want points that transfer to an airline program; Aventura is a closed currency worth about 1¢ on travel