CIBC · Rewards Calculator
CIBC Aventura Gold VisaRewards Calculator
| Category | Earn Rate |
|---|---|
| Eligible travel purchased through the CIBC Rewards Centre | 2 Aventura Points per $1 |
| Eligible gas stations, electric vehicle charging stations, grocery stores and drug stores | 1.5 Aventura Points per $1 |
| All other purchases | 1 Aventura Point per $1 |
Enter Your Monthly Spending
We'll calculate your Aventura points earnings by category
Supermarkets & grocery stores
Restaurants, takeout, food delivery
Gas stations & EV charging
Public transit, Uber, taxis
Flights, hotels, car rentals
Netflix, Spotify, digital subs
Phone, internet, utilities
Pharmacies & drugstores
Movies, events, concerts
Everything else
Enter your monthly spending above
Fill in how much you spend in each category to see a detailed breakdown of your Aventura points earnings with the CIBC Aventura Gold Visa.
Or try a quick-fill preset to get started
Ready to apply for the CIBC Aventura Gold Visa?
Read our full review for detailed information on benefits, insurance coverage, and how to maximize your Aventura points.
Welcome Bonus
Bonus
Up to 60,000 Aventura Points
~$1200 estimated value
How to Earn It
15,000 Aventura Points
Spend $0 upon approval
30,000 Aventura Points
Spend $3,000 first 4 monthly statement periods
15,000 Aventura Points
Spend $5,000 first 4 monthly statement periods
Card Details
- Annual Fee
- $139/yr (1st year waived)
- Additional Card Fee
- $50
- Network
- Visa
- Rewards Program
- Aventura
- Purchase Interest Rate
- 21.99%
- Cash Advance Rate
- 22.99%
- Foreign Transaction Fee
- 2.5%
- Lounge Access
- Yes
Insurance & Perks
- Travel medical insurance
- Trip cancellation insurance
- Trip interruption insurance
- Flight delay and baggage insurance
- Auto rental collision/loss damage insurance
- Purchase security and extended protection insurance
- 4 complimentary visits per year at 1,200+ lounges globally through the Visa Airport Companion Program.
How to Use the CIBC Aventura Gold Visa Rewards Calculator
This calculator helps you estimate how many Aventura points you can earn each month and year based on your real spending habits. Enter your average monthly spending in each category above — groceries, dining, gas, transit, travel, streaming, and more — and the calculator will automatically apply the CIBC Aventura Gold Visa's earn rates to show you a complete breakdown.
Understanding CIBC Aventura Gold Visa Earn Rates
The CIBC Aventura Gold Visa earns Aventura points at different rates depending on the spending category. Here's how the card's tiered earn structure works:
- Eligible travel purchased through the CIBC Rewards Centre: 2 Aventura Points per $1
- Eligible gas stations, electric vehicle charging stations, grocery stores and drug stores: 1.5 Aventura Points per $1
- All other purchases: 1 Aventura Point per $1
By focusing your spending on the highest-earning categories, you can maximise the value you get from the CIBC Aventura Gold Visa. Use the presets above to quickly model different spending profiles and see how your rewards change.
Maximising the Value of Your Aventura points
The true value of your Aventura points depends on how you redeem them. As part of the Aventura program, you have several redemption options available — from travel bookings to transfer partners. Use the point valuation slider in the calculator to see how different redemption strategies affect the dollar value of your earnings.
Is the $139 Annual Fee Worth It?
The CIBC Aventura Gold Visa carries an annual fee of $139. Use this calculator to see whether the value of your earned rewards exceeds the fee. The "Net Value" card in the results shows your estimated rewards value minus the annual fee — if it's positive, you're coming out ahead.