The CIBC Aventura Visa Infinite allows its holders to earn Aventura Points for their every purchase charged to the card. Cardholders can earn 1 Aventura Point for every $1 spent, 1.5 Aventura Points for every $1 spent at eligible gas stations, grocery stores and drug stores, and 2 Aventura Points for every $1 spent when booking a trip through the CIBC Rewards Centre. Holders can also benefit from a welcome bonus of 15,000 points with their first purchase and an additional 5,000 points when they spend $1,000 during the first 4 months of membership. For an annual fee of $120, cardholders can also get a $120 travel credit, so the card essentially pays for itself in the first year, as well as access to Visa Infinite Benefits, 4 complimentary airport lounge passes, and an extensive array of insurance coverage including mobile device coverage, travel insurance, purchase security and extended warranty. You can redeem your points for travel (which gives you their best value) or a variety of other options including merchandise and gift cards. To be eligible for this card you must have an annual personal income of $60,000 or household income of $100,000, but if you meet those requirements and don’t mind shelling out $120 annually for some nice rewards and benefits, the welcome offers alone make this card a good deal for travellers in the first year. After that first year though, the card still offers a good amount of value with its extensive insurance coverage, fairly good rewards earnings and extra perks.

As per our rating system, this card scored 23/25 on rewards, 16/25 on interest rates and balance transfers, 18/25 on perks and insurance, and 22/25 on annual fees. Therefore, the total smart score of this card is 79/100.