Great ways to redeem your points

Redeem your way. Use your Aventura points^† or Adapta points^{1, 2} to help pay down your credit card balance^{1, 3} contribute to select CIBC financial products^{1, 4, 5, 6, 7} and more⁸.

Choose your points program

Get the most from your CIBC Aventura credit card

Experience more of the world with our most flexible travel rewards program.

Shopping with Points⁸

Redeem your Aventura points to pay off eligible Aventura credit card purchases.

How to redeem your Points

Sign on to CIBC Online Banking^®or CIBC Mobile Banking^®
Go to your Credit Card Account Details page
Select an eligible pending transaction
Select “Redeem with Points”

Payment with Points

Use your Aventura points to pay down your Aventura credit card balance⁹. Redemptions start at 4,000 points for a $25 payment.

How to redeem your Points

Sign on to CIBC Online Banking
Select the "Payment with point"³ link on your card's Account Details page
Fill in your information and choose how you want to redeem your Aventura points

Financial products with Points

Use your Aventura points to help make payments or contributions to the following financial products:

Residential mortgage⁴
CIBC Tax Advantage Savings Account (TFSA)⁵
CIBC Daily Interest Savings Account (RRSP)⁵
Self-Directed CIBC Investor’s Edge brokerage account⁶
CIBC Personal Loan⁷

Redemptions start at 12,000 Aventura points for a $100 payment or contribution to an existing CIBC financial product.

How to redeem your Points

Sign on to CIBC Online Banking
Select the "Payment with points"³ link on your card's Account Details page
Fill in your information and choose how you want to redeem your Points

Play video: How to shop with Aventura points (1:59)

Transcript for the video How to shop with Aventura points. Opens a new window.

Play video: How to pay with Aventura points (2:00)

Transcript for the video How to pay with Aventura points. Opens a new window.

Play video: How to earn Aventura points (1:46)

Transcript for the video How to earn Aventura points. Opens a new window.

Don’t have an Aventura card? Get one today by applying for a CIBC Aventura travel rewards card.

Ready to start redeeming¹ your Adapta points?²

Here's how to get the most from the credit card that adapts to the way you spend.

Shopping with points¹

Redeem your Adapta points toward a recent purchase before your statement arrives.

How to redeem your Points

Sign on to CIBC Online Banking® or CIBC Mobile Banking®
Go to your Credit Card Account Details page
Select an eligible pending transaction
Select “Redeem with Points”

Payment with Points

Use your Adapta points to pay down your Adapta credit card balance.¹ Redemptions start at 1,500 Adapta points for a $10 payment.

How to redeem your Points

Sign on to CIBC Online Banking® or CIBC Mobile Banking®
Go to your Credit Card Account Details page
Select the Payment with Points¹ link on your card's Account Details page
Fill in your information and choose how you want to redeem your points.

Financial products with Points

Use your Adapta points to help make payments or contributions to the following financial products:

Residential mortgage¹
CIBC Tax Advantage Savings Account (TFSA)¹
CIBC Daily Interest Savings Account (RRSP)¹
Investor’s Edge brokerage account¹
CIBC Personal Loan¹

Every 1,200 Adapta points you redeem is equal to a $10 payment or contribution toward a select CIBC financial product.

How to redeem your Points

Sign on to CIBC Online Banking
Select the "Payment with points"¹ link on your card's Account Details page
Fill in your information and choose how you want to redeem your Points

Play video: Redeeming points with your CIBC Adapta Mastercard (2 minutes)

Transcript for video Redeeming points with your CIBC Adapta Mastercard. Opens a new window.

Play video: How Adapta works (3 minutes)

Transcript for video How Adapta works. Opens a new window.

Play video: Keeping up with your points (2 minutes)

Transcript for video Keeping up with your points. Opens a new window.

Don't have an Adapta Mastercard? Get one today by applying for the CIBC Adapta Mastercard.

Aventura points

Get the most from your CIBC Aventura credit card

Experience more of the world with our most flexible travel rewards program.

Shopping with Points⁸

Redeem your Aventura points to pay off eligible Aventura credit card purchases.

How to redeem your Points

Sign on to CIBC Online Banking^®or CIBC Mobile Banking^®
Go to your Credit Card Account Details page
Select an eligible pending transaction
Select “Redeem with Points”

Payment with Points

Use your Aventura points to pay down your Aventura credit card balance⁹. Redemptions start at 4,000 points for a $25 payment.

How to redeem your Points

Sign on to CIBC Online Banking
Select the "Payment with point"³ link on your card's Account Details page
Fill in your information and choose how you want to redeem your Aventura points

Financial products with Points

Use your Aventura points to help make payments or contributions to the following financial products:

Residential mortgage⁴
CIBC Tax Advantage Savings Account (TFSA)⁵
CIBC Daily Interest Savings Account (RRSP)⁵
Self-Directed CIBC Investor’s Edge brokerage account⁶
CIBC Personal Loan⁷

Redemptions start at 12,000 Aventura points for a $100 payment or contribution to an existing CIBC financial product.

How to redeem your Points

Sign on to CIBC Online Banking
Select the "Payment with points"³ link on your card's Account Details page
Fill in your information and choose how you want to redeem your Points

Play video: How to shop with Aventura points (1:59)

Transcript for the video How to shop with Aventura points. Opens a new window.

Play video: How to pay with Aventura points (2:00)

Transcript for the video How to pay with Aventura points. Opens a new window.

Play video: How to earn Aventura points (1:46)

Transcript for the video How to earn Aventura points. Opens a new window.

Don’t have an Aventura card? Get one today by applying for a CIBC Aventura travel rewards card.

Adapta points

Ready to start redeeming¹ your Adapta points?²

Here's how to get the most from the credit card that adapts to the way you spend.

Shopping with points¹

Redeem your Adapta points toward a recent purchase before your statement arrives.

How to redeem your Points

Sign on to CIBC Online Banking® or CIBC Mobile Banking®
Go to your Credit Card Account Details page
Select an eligible pending transaction
Select “Redeem with Points”

Payment with Points

Use your Adapta points to pay down your Adapta credit card balance.¹ Redemptions start at 1,500 Adapta points for a $10 payment.

How to redeem your Points

Sign on to CIBC Online Banking® or CIBC Mobile Banking®
Go to your Credit Card Account Details page
Select the Payment with Points¹ link on your card's Account Details page
Fill in your information and choose how you want to redeem your points.

Financial products with Points

Use your Adapta points to help make payments or contributions to the following financial products:

Residential mortgage¹
CIBC Tax Advantage Savings Account (TFSA)¹
CIBC Daily Interest Savings Account (RRSP)¹
Investor’s Edge brokerage account¹
CIBC Personal Loan¹

Every 1,200 Adapta points you redeem is equal to a $10 payment or contribution toward a select CIBC financial product.

How to redeem your Points

Sign on to CIBC Online Banking
Select the "Payment with points"¹ link on your card's Account Details page
Fill in your information and choose how you want to redeem your Points

Play video: Redeeming points with your CIBC Adapta Mastercard (2 minutes)

Transcript for video Redeeming points with your CIBC Adapta Mastercard. Opens a new window.

Play video: How Adapta works (3 minutes)

Transcript for video How Adapta works. Opens a new window.

Play video: Keeping up with your points (2 minutes)

Transcript for video Keeping up with your points. Opens a new window.

Don't have an Adapta Mastercard? Get one today by applying for the CIBC Adapta Mastercard.

^† 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 Opens your phone app.

¹ Adapta Points may only be redeemed by the Primary Cardholder. Your Credit Card Account must be in Good Standing in order to redeem Adapta Points. Adapta Points may be redeemed on CIBC Mobile Banking® and CIBC Online Banking®, or any other method we make available to you from time to time. When you redeem Adapta Points, additional terms and conditions specified at the time of redemption may apply.

If it appears that you have sufficient Adapta Points at the time you request Adapta Points to be redeemed, but you in fact do not, you authorize CIBC to do any of the following, regardless of the reason for the deficiency:

Complete your redemption request, but only for the number of Adapta Points then available in your Adapta Account; or
Cancel the request.

Redemptions are non-refundable, non-reversible and non-transferable.

You may redeem your Adapta Points toward payment of your outstanding credit card balance or toward a recent purchase that was authorized, but that has not yet been posted to your Credit Card Account. You must have a minimum of 1,500 Adapta Points in your Adapta Account to redeem points toward your card balance.

Every 1,500 Adapta Points you redeem is equal to a $10 CAD payment to your outstanding credit card balance.

You may redeem your Adapta Points to make payments or contributions toward eligible financial products you hold with CIBC, including your CIBC TFSA, RRSP, Investor's Edge account, line of credit or mortgage. Specific terms and conditions based on the financial product you choose will apply, and will be specified at the time you redeem your Adapta Points. You must have a minimum of 1,200 Adapta Points in your Adapta Account to redeem points toward select CIBC financial products.

The eligibility of select CIBC financial products and the terms and conditions to complete the redemption are subject to change, without notice to you.

Every 1,200 Adapta Points you redeem is equal to a $10 CAD payment or contribution toward a select CIBC financial product.

² Adapta Points are earned on eligible purchases posted to your Credit Card Account, less all returns and credits. Cash advances, CIBC Global Money Transfers™, optional credit card insurance premiums, fees, interest, balance transfers, payments, CIBC Convenience Cheques, adjustments or Adapta Points redemptions are not eligible purchases.

You will earn 1 Adapta Point for each whole dollar ($1.00 CAD) on every eligible purchase posted to your Credit Card Account.

You will also earn 0.5 bonus Adapta Points for each whole dollar ($1.00 CAD) on every eligible purchase in the 3 Spend Categories with the highest total of net eligible purchases, as determined at the end of each Credit Card Account statement period.

Adapta Points and bonus Adapta Points are calculated for each eligible purchase individually. Cents do not earn Adapta Points, bonus Adapta Points or partial Adapta Points.

Bonus Adapta Points may only be earned on the first $40,000 in net annual card purchases on your account (meaning all eligible purchases by all cardholders, at any type of merchant). This limit will reset the day after your December Statement Date.

³ Only primary cardholders are permitted to perform a “Payment with Points” or “Financial Product with Points” redemption. Authorized Users 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.

⁴ Points can only be used to prepay outstanding principal. The prepayment cannot exceed the amount of your annual prepayment privilege. You can find this amount in your mortgage documents, or in Mortgage Loan-Details in the My Accounts section of CIBC Online Banking. A prepayment can only be made on a regular mortgage payment date. You must submit this request at least 5 business days before the regular payment date on which you want the prepayment applied. The prepayment will be visible through online banking within 5 business days after the regular payment date on which it is applied.

⁵ Eligible registered savings accounts for contributions from Aventura / Gold points redemptions are: RRSP Daily Interest Savings Account (DISA); and TFSA Tax Advantage Savings Account (TASA). Cardholder is responsible for ensuring their contribution amount does not exceed their CRA issued contribution limit. Points redemption contributions must be from the cardholder’s existing Aventura / Gold product to their DISA or TASA. Posting of Aventura / Gold point redemption contributions to DISAs or TASAs can take up to 5 business days.

⁶ The following Investor’s Edge accounts are eligible for Financial Products with Points: Registered Accounts (RRSP, RRIF, TFSA, RESP) and Investment Accounts (Cash, Margin, Options). Financial product rewards transferred to a Registered Account will be applied as a cash contribution by the cardholder. The cardholder is responsible for ensuring the amount does not exceed any contribution limit applicable to the Registered Account. Cardholders can contact CIBC Investor’s Edge at 1-800-567-3343 Opens your phone app.. in order to apply a Financial Product Reward into their existing CIBC Investor’s Edge account, or to open a CIBC Investor’s Edge account and then arrange for the financial product reward. Posting of cash credit to the Cardholder’s CIBC Investor’s Edge account can take upwards of 5 business days. Cash credit received in connection with a financial product reward can be used to purchase any available investment product (including stocks, mutual funds, GICs, precious metals, etc.) Opens your phone app.

⁷ Redemptions can only be applied towards existing personal lending accounts. Eligible personal lending products must have a balance owing. Posting of Aventura / Gold point based payments to the cardholder’s respective personal lending account will be visible through online banking within 5 business days from the processing date.

⁸ Requested redemption amount must be equal to or less than the cardholder’s available Aventura Points balance.

Aventura Points to dollars conversion ratio is determined by CIBC and can be changed at any time without notice.

Shopping with Points redemptions are non-refundable, non-exchangeable and non-transferable unless you are advised otherwise.

Only primary cardholders are permitted to perform a Shopping with Points redemption. Authorized Users are not eligible.

Shopping with Points redemptions are eligible only for authorized transactions that are not posted to the card account.

The redemption of your Aventura Points will be treated as a payment to your account and not as a credit. To learn how payments are applied to your account, refer to Shopping With Points (PDF, 100 KB) Opens a new window..

Existing terms of the Aventura Reward Program and credit card account continue to apply. This offer may be withdrawn or changed without notice at any time.

⁹ Payment with Points redemption towards credit cards balances will be reflected within 5 business days.

Trademarks

Great ways to redeem your points

Choose your points program

Get the most from your CIBC Aventura credit card

Shopping with Points8

How to redeem your Points

Payment with Points

How to redeem your Points

Financial products with Points

How to redeem your Points

Cookies are disabled

Play video: How to shop with Aventura points (1:59)

Cookies are disabled

Play video: How to pay with Aventura points (2:00)

Cookies are disabled

Play video: How to earn Aventura points (1:46)

Ready to start redeeming1 your Adapta points?2

Shopping with points1

How to redeem your Points

Payment with Points

How to redeem your Points

Financial products with Points

How to redeem your Points

Cookies are disabled

Play video: Redeeming points with your CIBC Adapta Mastercard (2 minutes)

Cookies are disabled

Play video: How Adapta works (3 minutes)

Cookies are disabled

Play video: Keeping up with your points (2 minutes)

Get the most from your CIBC Aventura credit card

Shopping with Points8

How to redeem your Points

Payment with Points

How to redeem your Points

Financial products with Points

How to redeem your Points

Cookies are disabled

Play video: How to shop with Aventura points (1:59)

Cookies are disabled

Play video: How to pay with Aventura points (2:00)

Cookies are disabled

Play video: How to earn Aventura points (1:46)

Ready to start redeeming1 your Adapta points?2

Shopping with points1

How to redeem your Points

Payment with Points

How to redeem your Points

Financial products with Points

How to redeem your Points

Cookies are disabled

Play video: Redeeming points with your CIBC Adapta Mastercard (2 minutes)

Cookies are disabled

Play video: How Adapta works (3 minutes)

Cookies are disabled

Play video: Keeping up with your points (2 minutes)

Shopping with Points⁸

Ready to start redeeming¹ your Adapta points?²

Shopping with points¹

Shopping with Points⁸

Ready to start redeeming¹ your Adapta points?²

Shopping with points¹