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Plus, earn a Welcome Bonus1 of up to 25,000 Aventura® Points
You also have the choice to use your points for travel, merchandise and payments or contributions towards your CIBC Aventura® card balance or select CIBC financial products.
1x1 Aventura Point for every $1 dollar spent using your card3
1.5x1.5 Aventura Points for every $1 you spend on gas and travel purchases such as airlines, hotels, car rentals and travel agencies4
2xDouble Aventura Points when you purchase your trip through the CIBC Aventura Rewards Centre7
Enjoy great new options for redeeming your Aventura Points with the Payment with Points feature in CIBC Online Banking®. Use them to help pay down your credit card balance or contribute them to select financial products⋄. Learn more
Visit cibcrewards.com and discover how easy it is to turn your points into rewards such as travel, merchandise and payments or contributions towards your CIBC Aventura® card balance or select CIBC financial products
Effective as of January 1, 2014
Note: Chart applies to round-trip economy flights booked through the CIBC Rewards Centre at 1-888-232-5656 or CIBCRewards.com. The Chart is available to the following cardholders only: Aventura® Visa Infinite™ Card, Aventura Visa™ Card for Business, Aventura World Elite MasterCard™ Card, Aventura Gold Visa Card. The exact number of Aventura Points required to purchase a flight depends on ticket prices set by airlines. You must have at least 80% of the points required to obtain your desired flight (up to 20% of the points required can be purchased at a rate of 1 point = $0.03 CAD). A maximum ticket price (before taxes and other charges) applies for each destination; any excess cost over the maximum ticket price, plus taxes and other charges, must either be charged to your card or paid for with Aventura Points at a rate of 100 points = $1.00 CAD. Tickets are nonrefundable. Chart may be changed without notice at any time. For complete details, see Aventura Rewards Program Terms at CIBCRewards.com.
Annual Fee: $120 (may be tax deductable)11For an additional $60 annual fee, receive an interest rate as low as 12.99% for purchases and 14.50% for cash.12 Additional Cards: $50 each per year (up to a maximum of 9)
Interest Rate - Purchases13:
Interest Rate - Cash13:
Cardholder Agreement, Benefits Guide and Insurance Certificates
Assign specific spending limits for purchases and cash to your authorized user(s)14 – at no cost.
Innovative credit management tools to help you better manage your credit card spending, plus protection features for enhanced security.
On-the-go banking 24/7 with CIBC Mobile Banking Apps for iPhone, iPad, Android™ and other smartphones.
Make secure credit card purchases of up to $50 at participating vendors using an eligible smartphone.
View electronic statements, make payments and transfers, increase credit limits, request additional cards, and more.
Contactless payments for small purchases: a fast, safe and convenient alternative to paying with cash15.
Discover the convenience of Apple Pay and Samsung Pay.
For a limited time, get a first year annual fee rebate on your primary and up to 3 secondary cards!†.
Offer expires March 31, 2017
Terms and Conditions
† You are eligible for this offer only if you apply and are approved for your first CIBC Aventura® Visa* Card for Business ($120 and $180). If you are a current or former CIBC Aventura® Visa* Card for Business cardholder, we may approve your application but you will not be eligible for the offer.
This offer applies to the following eligible cards: CIBC Aventura® Visa* Card for Business (“Eligible Card”). If you apply and are approved for a new Eligible Card between December 1, 2016 and March 31, 2017, CIBC will rebate the annual fee for you (the primary cardholder) and up to three authorized users added at the time of the application. This offer does not apply to annual fees for authorized users that are added after you submit your application. This offer applies for the first year only. If your application for an Eligible Card is not approved, you may be considered for another card (as disclosed in your credit card application). If you are approved for that card, this rebate offer will still apply. If you qualify, the rebate will be awarded to you and will appear as a credit against the applicable annual fee(s) within two statements. Your new credit card account must be open and in good standing at time the rebate is awarded. This offer is not transferable and cannot be combined with any other offer. This offer does not apply to transfers from another credit card account. This offer may be withdrawn or changed without prior notice at any time. CIBC may, in its sole discretion, disqualify, limit or revoke this offer if you are believed to be abusing or manipulating it, or engaging in any suspicious or fraudulent activity.
⋄Please note that you can also use these options to redeem Gold Bonus Points. It will take up to 5 business days for your Points to be redeemed and appear in your account. You don't need to visit your branch. You can also call us to redeem your Points at 1-800-465-4653.
Only primary cardholders are permitted to perform a "Payment with Points" or "Financial Product with Points" redemption. Authorized Users and Delegates are not eligible. Redemptions are non-refundable, non-exchangeable and non-transferable unless you are advised otherwise. Requested redemption amount must be equal to or less than the cardholder's available points balance. Points to dollars conversion ratio is determined by CIBC and can be changed at any time without notice.
Payment with Points redemption towards credit cards balances will be reflected within two business days.
1You will receive a welcome bonus of 20,000 Aventura Points when you make your first purchase at any time with your card. Plus, you will receive an additional bonus of 5,000 Aventura Points for CIBC Aventura® Visa* Card for Business, if you have at least $1,000 in net Eligible Card purchases within the first 3 monthly statement periods. The following do not qualify as purchases: cash advances, interest, fees, balance transfers, payments, regular CIBC Convenience Cheques or Aventura Point redemptions. It may take up to several business days for purchases to be posted to your account. Bonus points will be awarded to the primary cardholder on the first monthly statement after the qualifying purchase(s) are posted to the account. Card account must be open and in good standing at the time the Aventura Points are awarded. Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Aventura® Visa* Card for Business are excluded. Offer and bonus points are non-transferable. Offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion. Offer may be withdrawn or changed without notice at any time.
2 For full details see maximum ticket prices and Aventura Flight Rewards Chart at CIBCRewards.com. 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 the primary cardholder’s death.
3 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 surcharges 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.
4 Earn 1.5 Aventura Points per dollar charged on purchases (excluding returns) at merchants classified in the Visa network as service stations/automated gas dispensers, airlines, hotels, car rental agencies, cruise lines, travel agencies/tour operators, tour buses/bus lines, local/suburban commuter passenger transportation, ferries, local water transportation, railways, limousines/cabs and certain other transportation services. This bonus Aventura Points offer is only available on the first $80,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after that, net card purchases at gas and travel service merchants will earn Aventura Points at the regular rate. The $80,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant categories may change at any time without notice.
5 We may withdraw approval if we become aware of any unfavourable information regarding your financial position or account status, or if you are unable to provide any additional information reasonably requested by CIBC. The application response time may take longer than 60 seconds in the event of technology issues. If you supply your email address, an application status email will be sent as soon as the technology issues are resolved. Otherwise, you will receive a response to your credit card application within 7 to 10 business days.
6 Flight availability at this Aventura Point level depends on ticket prices set by airlines. Flights at this Aventura Point level will not be available to all destinations from all departure points and times.
7 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. Aventura Points are not earned on travel obtained by redeeming Aventura Points.
8 Aventura Points may be transferred between the CIBC Aventura Visa Card for Business and qualifying CIBC Aventura Visa Infinite™, CIBC Aventura World MasterCard™ and CIBC Aventura World Elite MasterCard™ cards, subject to all other Aventura Program Terms and Conditions. Your accounts must be in good standing and you must be the primary cardholder on both accounts to qualify. Offer may be changed or withdrawn at any time.
9 Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). Different cards may have different coverage(s). To learn about included insurance coverage(s), 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 car 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 car rental company’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. 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.
10 Discounts are determined by the participating rental agency and apply to time and kilometre/mileage charges only.
11 In Canada, the annual fee may be a tax deductible expense. Please consult a tax professional.
12 The current annual interest rate for purchases is set at either 12.99%, 15.99% or 18.99% and the current annual interest rate for cash advances, balance transfers and Convenience Cheques is set at either 14.5%, 17.5% or 21.5%, all based on your personal credit bureau and other information at the time your application is processed. Interest rates will change from time to time on at least 30 days prior notice to primary cardholders.
13 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.
14 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 www.cibc.com/ca/credit-cards/budgeting-spend/spending-limits.html
15 Subject to merchant transaction limits.
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