CIBC Aventura Visa Infinite Card

1.5 points a dollar on groceries, gas, EV charging and drugstore, and 1 point on everything else. Travel earns 2 points but only booked through the CIBC Rewards Centre, so travel is recorded at the base rate here. The $80,000 cap is a SINGLE SHARED POT counting every purchase on the account at any merchant, and it resets the day after your December statement prints. CIBC publishes no cents per point rate. We use 1 cent because CIBC's own no fee Aventura card values 12,500 points at $125. The "$800 for 35,000 points" on this card is the top of a redemption band rather than a rate you can count on.

CIBC runs two different offers for this card at the same time. The public page shows 15,000 plus 20,000 for 35,000 points. A separate CIBC page shows 15,000 plus 30,000 for 45,000, targeted to people who received a direct invitation. Both claim "up to $1,500 in value" despite a 10,000 point gap, so at least one is wrong. The itemised components also sum to $1,544, not $1,500, and the $189 fee rebate figure does not match $139 plus three authorized users at $50.

Lounge access is the Visa Airport Companion programme run by DragonPass. The membership is free and four visits a year are complimentary for the primary cardholder. Every visit after that, and every guest, costs US$32 billed to the card. The NEXUS credit is up to $200 once every four years and is paid whether or not your application is approved. Travel medical is 15 days for those 64 and under and 3 days from 65. Quebec residents pay 21.99% on cash advances and no cash advance, over-limit or promotional balance transfer fees.