CIBC Aventura Visa Infinite Privilege Card

3 Aventura Points per $1 on travel purchased through the CIBC Rewards Centre (CIBC by Expedia). 2 points per $1 on eligible Dining and Entertainment, and 2 points per $1 on eligible Transportation, Gas, Electric Vehicle Charging and Groceries. 1.25 points per $1 on all other purchases. Cap: the 2x accelerated earn applies only to the first $200,000 in net annual card purchases on the account. A single shared account-wide counter across all cardholders and all bonus categories, not per category. Above $200,000 those merchants revert to the regular 1.25 rate. The limit resets to zero after the day your December statement is printed, so it is statement-driven rather than calendar-year or anniversary-based. Supplementary cardholder spend consumes the same counter.

Advertised as up to $2,600 in total value, of which up to 80,000 Aventura Points (stated as up to $1,600 in travel value). Tier 1: 25,000 points for $3,000+ in the first 4 billing periods. Tier 2: a further 25,000 points for $6,000+ in the first 4 billing periods (cumulative, not additional to tier 1). THIRD TIER not captured in the tier fields: 30,000 anniversary bonus points requiring $25,000+ in net purchases within the first 12 months. This is a 12-month, anniversary-paid tier. Remaining advertised value is recurring cardholder benefits rather than welcome value: 6 lounge visits (~$385), 2 NEXUS rebates ($325), $200 annual travel credit, first-year Skip+ ($110). No first-year annual fee waiver. No offer end date published.

Emergency travel medical $5,000,000 per insured person per trip, 31 consecutive days at age 64 or under but only 10 consecutive days at age 65 or over (no hard age cutoff, hence age_limit null); auto-extensions of up to 5 additional days each for delayed transport, medical unfitness or hospitalization. Trip cancellation $2,500 per person / $10,000 combined. Trip interruption $5,000 per person / $25,000 combined, including accommodation and meals at $250/day to $2,000 per trip combined. Flight delay $500 per person / $1,000 per occurrence. Baggage delay $500 per person / $1,000 per occurrence. Lost or stolen baggage $1,000 per person / $2,500 per occurrence. Rental car collision/loss damage waiver on vehicles with MSRP up to $100,000 for up to 48 consecutive days, no deductible. Mobile device $1,500 per occurrence per insured person. Purchase Security 180 days; Extended Protection up to two additional years. Hotel burglary $2,500 per occurrence combined. Common carrier accident $500,000 per insured person. Lounge: 6 complimentary visits per MEMBERSHIP year via Visa Airport Companion at 1,200+ lounges, additional visits US$32 per person per visit. $200 annual travel credit applies to CIBC Rewards Centre travel, posts up to 30 days after the qualifying purchase, unused portion forfeited at end of calendar year and reinstated 1 January. NEXUS: two statement credits up to CAD$200 each, limit two per every 4 years. 24/7 Visa Infinite Privilege concierge. Annual fee rebates possible with an active eligible CIBC Smart Account. Up to 9 additional cards at $99 each. HEADLINE VS SUBSTANCE: 'up to $2,600 in value' conflates one-time welcome points with recurring annual benefits (lounge passes, travel credit, NEXUS rebate) that a cardholder receives every year and which are partly offset by the $499 fee. Only the ~80,000 points are genuinely a welcome bonus. The two 25,000-point tiers are CUMULATIVE against the same 4-billing-period window ($3,000 then $6,000), not two independent bonuses. Total from spend tiers is 50,000, not 50,000 on top of separate thresholds. A third 30,000-point tier requires $25,000 in 12 months and pays at anniversary; it does not fit the two-tier schema and is easy to drop. Travel medical days collapse from 31 to 10 at age 65. A very large real-world reduction that a single ins_travel_medical_days value cannot express. $200,000 earn cap resets after the December statement prints, not on the account anniversary despite this being an anniversary-benefit-heavy card. $200 annual travel credit uses a CALENDAR-year forfeiture (reinstated 1 January) while the earn cap uses the December statement date. Two different clocks on the same card. Lounge passes reset on the MEMBERSHIP year, a third distinct clock. Interest rates render as placeholder tokens on the live page; taken from PDF 11995-en.