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 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, 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
$
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.
Card Details
Based on $2,000 spending
First Year Value
$376.86
-$123.14 in years after
Annual Rewards
$375.86
CIBC Aventura
First Year Bonus
$500
CIBC Aventura
Annual Fee
$499
First Year Value
$376.86
-$123.14 in years after
Interest Rates
Cash Advance: 22.99%, for Quebec 21.99%
Purchase: 20.99%
Balance Transfer: 22.99%
Annual Fee
$499
Annual Income
Personal: $150,000
Household: $200,000
Credit Score
Very Good
Welcome Bonus
25,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods, 25,000 Aventura Points when you spend $6,000 or more in the first 4 monthly statement periods, 30,000 Aventura Points as an additional anniversary bonus when you have at least $25,000 in net eligible purchases posted on your account during the first 12 monthly statement periods
Card Type
Category: Points
Loyalty Program: CIBC Aventura
Our Rating
3/5
Institution
CIBC
Rewards
- 3 points per $1 spent on travel purchased through the CIBC Rewards Center
- 2 points per $1 spent on dining, entertainment, gas, transportation, and groceries if they are in the first $200k transactions of the year
- 1 point per $1 spent on all other purchases
CIBC Aventura® Visa Infinite Privilege* Card Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
All categories with bonus points
23,384 points
All other purchases
14,201 points
Annual Fee
- $499
Net Annual Rewards
37,585 points
Valued at -$123.14 (after fees)
Rewards Summary
Net Annual Rewards
37,585 points
Valued at -$123.14 (after fees)
First Year Card Bonus
50,000 points
Valued at $500
First Year Card Value
37,585 points
Valued at $376.86
Point Redemptions
Redemptions Chart
Travel
$376.86
Financial products
$227.96
Gift Cards
$122.86
Merchandise
$122.86
Statement Credits
$44.03
Insurance & Benefits
Insurance
Coverage
Travel Accident
$500,000
Emergency Out of province Medical
31 days
Emergency Medical Over 65
10 days
Flight Delay
$500
Baggage Delay
$500
Trip Cancellation
$2,500
Trip Interruption
$5,000
Lost or Stolen Baggage
$1,000
Hotel Burglary Insurance
$2,500
Purchase Protection
180 days
Extended Warranty
Up to 2 years
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Car Rental Damage & Theft
up to car value of $65k
Mobile Device Insurance
$1,500
Benefits
Details
Airport Lounge - Dragon Pass
Airport lounges Visa Airport Companion Program managed by DragonPass International + 6 Free complimentary visits
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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.
Nexus Program Rebate
Up to $100 statement credit for Nexus Application fee every 4 years
Visa Infinite Exclusive Benefits
Exclusive offers
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Travel Credit
Annual $200 travel credit to use at the CIBC Rewards Center
Pros & Cons
Pros
- Generous rewards: Earn up to 3 points per $1 spent on travel and 2 points per $1 on gas, groceries, restaurants, and more.
- Valuable travel perks: Includes an annual $200 travel credit, 6 complimentary airport lounge passes, and discounts at Avis and Budget car rentals.
- High point value: Points are worth up to 2.29 cents each when redeemed for flights.
- Comprehensive insurance: Offers 12 types of insurance, including mobile device protection and emergency medical coverage.
Cons
- High annual fee: A $499 annual fee makes this a more expensive option.
- Strict income requirements: Requires a personal income of $150,000 or household income of $200,000 to qualify.
MX Connect
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