Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Finly factors in all the reward limits and fine prints of every single credit card.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$2,000
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Card Details
Based on $2,000 spending
First Year Value
$614.39
$125.39 in years after
Annual Rewards
$264.39
CIBC Aventura
First Year Bonus
$350
CIBC Aventura
Annual Fee
$139
$0
First Year Waived
First Year Value
$614.39
$125.39 in years after
Interest Rates
Cash Advance: 22.99%, for Quebec 21.99%
Purchase: 20.99%
Balance Transfer: 22.99%
Annual Fee
$139
Annual Income
Personal: N/A
Household: $15,000
Credit Score
Very Good
Welcome Bonus
15,000 Aventura Points when you make your first purchase, and 20,000 Aventura Points when you spend $3,000 or more in net purchases in the first 4 monthly statement periods
Card Type
Category: Points
Loyalty Program: CIBC Aventura
Our Rating
2.6/5
Institution
CIBC
Rewards
- 2 points per $1 spent on travel purchased through the CIBC Rewards Centre
- 1.5 points per $1 spent at eligible gas stations, electric vehicle charging stations, grocery stores and drug stores
- 1 point per $1 spent on all other purchases
CIBC Aventura® Gold Visa* Card Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
Groceries, Gas, Pharmacy
10,158 points
All other purchases
16,281 points
Annual Fee
- $139
Net Annual Rewards
26,439 points
Valued at $125.39 (after fees)
Rewards Summary
Net Annual Rewards
26,439 points
Valued at $125.39 (after fees)
First Year Card Bonus
35,000 points
Valued at $350
First Year Card Value
61,439 points
Valued at $614.39
Point Redemptions
Redemptions Chart
Travel
$475.39
Financial products
$370.95
Gift Cards
$297.22
Merchandise
$297.22
Statement Credits
$241.92
Insurance & Benefits
Insurance
Coverage
Travel Accident
$500,000
Emergency Out of province Medical
15 days
Flight Delay
$500Baggage Delay
$500
Lost or Stolen Baggage
$500
Hotel Burglary Insurance
$2,500
Purchase Protection
90 days
Extended Warranty
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Car Rental Damage & Theft
up to car value of $65k
Mobile Device Insurance
$1,000
Benefits
Details
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Gas Discount
save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations
Car Rental Discount
Get up to 25% off auto rentals at participating Avis and Budget locations worldwide.
Airport Lounge - Dragon Pass
Airport lounges Visa Airport Companion Program managed by DragonPass International + 4 Free complimentary visits
Nexus Program Rebate
Up to $100 statement credit for Nexus Application fee every 4 years
Pros & Cons
Pros
- High Rewards on Travel: Earn 2 points per $1 on travel booked through the CIBC Rewards Centre and 1.5 points per $1 on gas, groceries, EV charging, and drugstore purchases.
- Flexible Point Redemption: Points can be used for flights, merchandise, gift cards, and more, with airline redemptions offering up to 2.29 cents per point.
- Airport Lounge Access: Includes 4 complimentary visits to Visa Airport Companion lounges globally.
- NEXUS Application Fee Rebate: Offers a rebate on the NEXUS program application fee, making U.S. travel easier.
Cons
- Poor Non-Travel Rewards: Outside of the airline rewards chart, points have a lower value when redeemed for non-travel items like gift cards and merchandise.
- Annual Fee: $139 annual fee, which can be high if you're not fully utilizing the travel benefits.
- Limited Insurance: Includes only 10 types of insurance, fewer than some other premium travel cards.