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's algorithm factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, etc.)
$
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
$
Linked Credit Cards
Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.
What's on this Page
Card Details
Based on $2,000 spending
First Year Value
$63.81
$38.81 in years after
Annual Rewards
$38.81
CIBC Aventura
First Year Bonus
$25
CIBC Aventura
Annual Fee
$0
$0
First Year Waived
First Year Value
$63.81
$38.81 in years after
Interest Rates
Purchase: 20.99%
Cash Advance: 22.99%, for Quebec 21.99%
Balance Transfer: 22.99%
Annual Fee
$0
$0
First Year Waived
Annual Income
Personal: N/A
Household: $15,000
Credit Score Estimate
Welcome Bonus
Up to 2,500 bonus Aventura Points for completing the below activities within 60 days of your CIBC Aventura® Visa* account approval. Each one is worth 500 Aventura Points: 1. Share your email address with CIBC; 2. Sign up for eStatements for your new Aventura® Visa* card; 3. Add an authorized user on your new Aventura® Visa* card; 4. Hold any eligible CIBC Chequing Account; and 5. Add your Aventura® Visa* card with Apple Pay® or Samsung Pay® or Google Pay™
Our Rating
2.8/5
Institution
CIBC
Rewards
- 1 point per $1 spent on travel purchased through the CIBC Rewards Centre
- 1 point per $1 spent at eligible gas stations, electric vehicle charging stations, grocery stores and drug stores (up to $6,000 spent combined per year)
- 0.5 point per $1 spent on all other eligible purchases
Insurance & Benefits
Insurance
Coverage
Travel Accident
$100,000
Purchase Protection
90 days
Extended Warranty
Up to a year.svg)
Car Rental Damage & Theft
up to car value of $65k
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
Pros & Cons
Pros
- No Annual Fee: A great perk, especially for a travel rewards card.
- Rewards on Everyday Purchases: Earn 1 point per $1 on travel, groceries, gas, EV charging, and drugstores, and 1 point per $2 on all other purchases.
- Fuel Savings: Save up to 10 cents per litre at Journie Rewards gas stations.
- Flexible Redemption: Points can be redeemed for travel, merchandise, gift cards, or as statement credits.
Cons
- Limited Insurance: Includes only basic coverage (e.g., travel accident and purchase protection).
- Low Base Earn Rate: You only earn 1 point per $2 spent on most purchases, which is lower than many competing cards.