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.
1 point per $1 on travel booked through the CIBC Rewards Centre, gas, EV charging, groceries and drug stores.
1 point per $2 (0.5x) on everything else.
No caps published, but the low base rate means this is a hold-and-pool card, not a daily driver.
The no-fee door into CIBC Aventura: earn transferable-adjacent travel points with no annual fee, so you can hold and pool Aventura points without paying to keep the card.
People who want to earn and pool Aventura points without an annual fee.
A keep-forever card to hold points while carrying a better daily driver.
You want strong everyday earn; the 0.5x base rate is low.
You want travel insurance or lounge access.
Watch-outs Everything outside the bonus categories earns just 1 point per $2 spent. · The 1x travel rate applies only to CIBC-portal bookings.
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.