CIBC Aventura Visa Card for Business

2 Aventura Points per $1 on eligible travel purchased through the CIBC Rewards Centre; 1.5 points per $1 on eligible gas and electric vehicle charging; 1.5 points per $1 on travel purchased elsewhere (airlines, hotels etc.); 1 point per $1 on everything else. Earn_travel is set to 2 for the CIBC Rewards Centre channel; travel bought outside that channel earns 1.5. CIBC publishes no annual caps on this card.

Up to 70,000 Aventura Points: 20,000 on first purchase (no minimum spend, so tier1 spend is a genuine 0) plus 50,000 after $40,000 or more in spend within the first 12 monthly statement periods. Annual fee rebated for TWO years on the primary card. CIBC markets the package at 'up to $2,200 in combined value' including a complimentary first-year Skip+ membership. No offer end date published.

Coverages named on CIBC's page: Flight Delay and Baggage Insurance; Purchase Security and Extended Protection Insurance; Car Rental Collision and Loss Damage Insurance; $500,000 Common Carrier Accident Insurance; Trip Cancellation and Trip Interruption Insurance. CIBC does NOT publish the dollar limits or day limits for any of these on the product page and routes readers to a separate insurance certificate PDF; all limits other than the $500,000 common carrier figure are therefore recorded as null rather than assumed. No travel emergency medical insurance is named. Aventura Points do not expire. Up to 9 additional cards at $50 each. Eligibility: minimum $35,000 annual individual income. CIBC files this card under its 'Personal liability' business card group. A SECOND LOW-RATE VARIANT EXISTS AT THE SAME NAME. CIBC's own rates PDF lists 'Aventura Visa $139' at 20.99%/22.99% AND 'Aventura Visa $180' at 12.99% to 18.99% purchases / 14.50% to 21.50% cash. The product page confirms '$139 or $180 (depending on tier)'. The $139/20.99% version is recorded here; the $180 low-rate version is a separate product decision and its rate is a RANGE, not a fixed APR. PERSONAL GUARANTEE: CIBC groups this card under 'Personal liability cards' on its own business credit cards page, meaning the individual is liable for the debt. That grouping is the only published statement CIBC makes on the subject. The 50,000-point second tier needs $40,000 of spend inside 12 statement periods. One of the highest bonus spend thresholds in the Canadian business segment. CIBC publishes no insurance dollar limits on the product page beyond the $500,000 common carrier figure, and CIBC's linked insurance certificate URL for this card was not retrievable. No travel emergency medical insurance despite the travel positioning. Grace period wording differs by province: Quebec residents get the interest-free grace on paying in full, while outside Quebec CIBC requires full payment on two consecutive statements.