CIBC · Visa
Business card
The same $139 and the same earn as the Aventura Visa for Business, with liability on the business rather than the owner and fifteen additional cards instead of nine.
Rates and features verified 2026-08-18Full terms and conditionsHow we research cards
What we like, and what we don’t
Worth having
- Liability sits with the business rather than the individual owner
- Supports fifteen additional cards, against nine on the personal liability version
- The $139 fee is rebated in the first year
- 2 Aventura points a dollar on CIBC travel bookings and 1.5 on gas and travel elsewhere
- 20,000 points on the first purchase with no minimum spend
Watch out for
- Identical earn rates to the cheaper to qualify for personal liability twin
- Aventura is a fixed value currency, so 1.5 points a dollar is about 1.5%
- Employee cards cost $50 each with none included
- Business liability underwriting is stricter, so a young company may not qualify
- A 2.5% foreign transaction fee
What this card earns
- Gas
- 1.5x
- Travel
- 2x
- Everything else
- 1x
- Bonus categories at once
- 2 you choose which
- What we value a point at
- 1¢
The earning fine print
Identical earn structure to the personal-liability Aventura Visa for Business: 2 Aventura Points per $1 on eligible travel purchased through the CIBC Rewards Centre; 1.5 points per $1 on eligible gas, EV charging, travel, transportation and related services; 1 point per $1 on everything else. No caps published.
The welcome offer
- Welcome bonus
- 20,000 points after you spend $0
- Second tier
- 50,000 points after you spend $40,000, within 12 months
- Also included
- The first-year annual fee is waived
What the offer actually requires
Up to 70,000 Aventura Points: 20,000 on first purchase (no minimum spend) plus 50,000 when spend reaches $40,000 or more within 12 months. Annual fee rebate for the first TWO years on the primary card (up to $278) and on three additional cards (up to $300). CIBC markets the package at 'up to $2,200 in combined value' including a first-year Skip+ membership. No offer end date published.
Fees and interest rates
- Annual fee
- $139 waived the first year
- Employee card
- $50
- Employee cards included
- None
- Foreign transaction fee
- 2.5%
- Purchase APR
- 20.99%
- Cash advance APR
- 22.99%
- Balance transfer APR
- 22.99%
Who can get this card
- Personal guarantee required
- No you are personally liable for the balance
Insurance and benefits
- Rental car damage waiver
- Included
- Purchase protection
- Included
- Extended warranty
- Included
What the benefits really mean
Coverage set: flight delay, baggage, purchase security, car rental collision and loss damage, $500,000 common carrier accident, trip cancellation and trip interruption. CIBC publishes no dollar limits other than the $500,000 common carrier figure. Up to 15 additional cards at $50 each. Six more than the personal-liability version. LIABILITY: CIBC files this card in its 'Business liability cards' group, meaning the business entity rather than the individual cardholder holds liability for the account. Visa Spend Clarity spending controls included. THIS IS THE BUSINESS-LIABILITY TWIN of the CIBC Aventura Visa Card for Business, at the same $139 fee and same earn rates. The only material differences are that liability sits with the business rather than the individual, and the card supports 15 additional cards instead of 9. Do not merge the two records. requires_personal_guarantee is recorded FALSE purely on CIBC's own 'Business liability cards' classification. CIBC does not publish whether it separately requires an owner guarantee at underwriting, and a business-liability classification is not the same thing as no personal guarantee. Treat this as the single most important item to verify with CIBC before publishing. The 50,000-point tier still needs $40,000 of spend. CIBC publishes no insurance dollar limits beyond the $500,000 common carrier figure. The CIBC business rates PDF does not cover the Plus cards, so the 20.99%/22.99% figures come from CIBC's business credit cards listing page only.
Our verdict
This is the version to want if you can get it. Same fee, same earn rates, same first year rebate as the personal liability Aventura business card, and liability sits with the company instead of with you. For an incorporated business with a trading history that is a materially better card for no extra money.
The catch is the qualifying. CIBC underwrites business liability on the business, so a newer or smaller company will be pushed to the personal liability version regardless of what it applies for. Apply for this one first and take the other if you are declined, because there is no price penalty for trying.
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Where this came from. cibc.com/en/business/credit-cards.html (lineup, liability grouping, fees, rates); cibc.com/en/business/credit-cards/aventura-plus-visa.html (earn, welcome, insurance names, card count, liability). Verified 18 Aug 2026.. We take every figure from the issuer’s own pages, never from another comparison site, and we leave a field blank rather than guess at it.