2 Aventura Points are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments, regular CIBC Convenience Cheques or Aventura Points redemptions. Aventura Rewards and Program Terms may change without notice. Taxes, fees and other charges may apply to Rewards. Aventura Points earned on purchases during a monthly statement period may not be credited to you if your card is not in good standing at any time during the monthly statement period.
3 Bonus (double) Aventura Points are earned on each dollar charged to the card on CIBC Rewards Centre travel purchases other than taxes, insurance, service charges or similar items.
4 The number of Bonus Aventura Points that you may earn is at the sole discretion of the participating CIBC Bonus Rewards partner and may only be earned when you use your card for payment. The CIBC Bonus Rewards Benefit cannot be combined with other promotional offers. CIBC Bonus Rewards terms, conditions and participating merchants may change without notice. The CIBC Bonus Rewards program is owned and operated by Advantex® Marketing International Inc. For full details and important information regarding the CIBC Bonus Rewards Benefit, please visit www.cibcbonusrewards.com.
5 Some airlines may impose fees, restrictions or other conditions on air travel. Aventura Points will be cancelled if they remain unredeemed for 60 days after you voluntarily close your Aventura credit card account or within 12 months of your death.
6 Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). Different cards will have different coverage(s). To learn about which coverage(s) are included with a specific card, and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, see www.cibc.com/ca/credit-card/agreements-insurance.html and the insurance certificate(s) in your card package. Some insurance coverage(s) require purchase(s), auto rentals, common carrier fares and other trip costs to be charged to the card to activate coverage. Other conditions may also apply. Auto Rental Collision/Loss Damage Insurance (CLDI) is available for automobile rentals of up to 48 days. The full cost of the rental must be charged to the card and the rental agency's Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) must be declined. CLDI provides coverage up to the actual cash value (ACV) of the rental vehicle as defined in your insurance certificate. Note that some rental agencies may assess their damages at an amount greater than the ACV of the rental vehicle and you may be liable to them for the difference. Before declining the rental agency's CDW or LDW, you should read carefully and compare the terms of the rental agreement, the CLDI insurance certificate in your card package and any other insurance you own to decide which coverage best meets your protection needs. Out-of-Province Emergency Travel Medical Insurance (TMI) covers the primary cardholder, their spouse and dependent children for the first 15 days of a trip if the covered person is age 64 or under*.Dependent children must be age 20 or under or a full-time student age 24 or under, unless they have a permanent physical or mental deficiency. TMI may not cover medical procedures performed without pre-approval. TMI and Trip Interruption Insurance may not cover certain pre-existing health/medical conditions. Certain RSA coverages are "excess insurance" (all other sources of insurance and recovery must be exhausted before coverage is available). For more information, call RSA toll-free at 1-866-363-3338 in Canada, continental U.S. and Hawaii or collect from elsewhere at 905-403-3338.
7 Discounts are determined by the participating rental agency and apply to time and kilometer/mileage charges only. Visit www.cibc.com for further details.
8 Personalized CIBC Convenience Cheques can be ordered by calling a CIBC Card Services Representative. Convenience Cheques are subject to available credit and available cash and bear interest from the date they are posted to your credit card account. Convenience Cheques do not earn Aventura Points.
9 Cash advances bear interest from the date they are taken from your credit card account and are subject to available credit and available cash.
10 When you use your card to reserve hotel accommodations, a guaranteed reservation request may be made to hold the requested or comparable hotel room (subject to individual hotel policies and conditions).
11 Interest rates will change from time to time on at least 30 days prior notice to primary cardholders. "Cash" means cash advances, balance transfers and Convenience Cheques.
12 Primary Cardholder may assign and change the Authorized User Spending Limits on your credit card account for any authorized user(s) by contacting CIBC. CIBC may make adjustments to the spending limits any time following a decrease in the Credit Limit or Cash Limit of the Card. "Cash" refers to Cash Advances, Convenience Cheques and Balance Transfers. For full details visit https://www.cibc.com/ca/credit-cards/budgeting-spend/spending-limits.html.
13 Aventura Points can be redeemed for up to 100% of the cost of airfare as well as (if you have sufficient points) for taxes and other charges on airfare purchased through the CIBC Rewards Centre. You must book all flights through the CIBC Rewards Centre. Some taxes and other charges may be collected locally/when you are travelling, and cannot be prepaid; please ask a CIBC Rewards Centre Counselor for specific details.
14 CIBC Aventura Lifestyle Rewards include taxes. Any additional fees will be confirmed when a reward is redeemed. Due to the unique nature of Aventura Lifestyle Rewards, availability of space and/or dates may be limited.
MasterCard™ is a registered trademark and PayPass™ are trademark of MasterCard International Incorporated.
Avis® is a registered trademark licensed to Aviscar, Inc. for use in Canada. Budget® is a registered trademark licensed to Budgetcar Inc. for use in Canada.
Advantex® is a registered trademark of Advantex Marketing International Inc.
+ American Express Travellers Cheques and Cheques for Two are registered trademark of American Express Company.
All other trademarks are owned by CIBC or related entities.
All information is valid at the time of publication and is subject to change without notice.