CIBC Aventura Visa Card

Base earn is 1 Aventura Point per $2 spent (0.5 points per $1). Accelerated earn is 1 point per $1 at eligible grocery stores, gas stations, EV charging stations and drug stores. But ONLY on the first $6,000 in total annual spending across those bonus categories combined (a single shared counter, not per category). Past $6,000 those merchants drop back to the 1-point-per-$2 base rate. The $6,000 limit resets to zero the day after your December statement is printed. Statement-driven, not calendar-year and not anniversary. Separately, travel booked through the CIBC Rewards Centre (CIBC by Expedia) earns double points, i.e. 1 point per $1; the benefit guide does not attach the $6,000 cap to this travel multiplier. Points not earned on cash advances, CIBC Global Money Transfers, interest, fees, balance transfers, payments, convenience cheques or points redemptions.

Up to 12,500 Aventura Points, advertised as up to $125 in travel value and up to $200 total offer value. Tier 1: 2,500 points for completing five specified account activities within 60 days of approval. This tier is activity-based, NOT spend-based, so bonus_tier1_spend is null. Tier 2: 10,000 points if $1,000+ in net purchases post during the first 4 statement periods. Remainder of the advertised value is a first-year free Skip+ membership (stated $110 value). No offer end date published on the product or travel-cards page.

Common Carrier Accident Insurance up to $100,000 CAD per insured person, requiring at least 75% of the travel fare to be charged to the card. Purchase Security (90 days) and Extended Protection (doubles manufacturer warranty up to one additional year). Despite being marketed as a travel card, there is NO emergency travel medical, NO trip cancellation/interruption, NO flight or baggage delay, and NO rental car CDW. HEADLINE VS SUBSTANCE: the product page lists the 1-point-per-$1 category rate with no cap disclosed anywhere on the page. The $6,000 annual bonus-category cap appears only in the benefit guide PDF. The $6,000 cap is SHARED across groceries + gas + EV charging + drug stores combined, not $6,000 per category. It is a very low ceiling, roughly $500/month of category spend. Cap resets the day after the December statement prints, not 1 January and not on account anniversary. Base rate is 1 point per $2, which is easy to misread as 1 point per $1. Recorded as earn_base 0.5. Welcome tier 1 (2,500 points) requires completing five account ACTIVITIES within 60 days, not a spend threshold. A spend-only filter will misprice this offer. Marketed as a travel card but carries no travel medical or trip cancellation insurance whatsoever. Interest rates render as placeholder tokens on the live page; taken from PDF 11995-en.