Reward estimates are based on published earn rates and may vary. Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based on your spending data, not commissions. Butter provides information and tools, not financial advice.
3 points per $1 on travel booked through the CIBC Rewards Centre (other travel earns 1.25x).
2 points per $1 on dining, entertainment, transportation, gas, EV charging and groceries.
1.25 points per $1 on everything else. No caps published.
The top of the Aventura line: the highest earn rates CIBC offers, a $200 travel credit, six lounge visits and two NEXUS rebates, aimed at high-income frequent travellers.
High-income frequent travellers who will use the $200 credit, lounge visits and NEXUS rebates.
Big spenders across dining, gas and groceries who clear the $499 fee on earn alone.
You can't reliably use the travel credit and lounge perks; the $499 fee is steep otherwise.
You book travel directly with airlines; the headline 3x is portal-only.
Watch-outs The 3x travel rate is portal-only (other travel earns 1.25x). · The fee is only rebated with a qualifying CIBC Smart Account; otherwise it's a real $499.
Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based solely on your spending data, not commissions. Butter provides information and tools, not financial advice. Card details such as earn rates, fees and bonuses may change. Verify on issuer's site → Always confirm with the issuer before applying.