Reviewed by Jen, founder of MoneyMint · Updated September 25, 2026
CIBC U.S. Dollar Aventura Gold Visa Card
Our take: the only U.S.-dollar card in Canada we track that earns rewards on every purchase and rebates its fee in the first year — useful if you spend in U.S. dollars often enough to collect points worth having.
- Goes straight to CIBC
- Our review
The CIBC U.S. Dollar Aventura Gold Visa Card is a USD-denominated card: purchases made in U.S. dollars are charged and repaid in U.S. dollars, so there is no currency conversion fee on them. What sets it apart from the other USD cards we cover is that it still earns Aventura points, and CIBC rebates the US$35 annual fee for the first year. See how it compares with the rest in our best U.S. dollar credit cards ranking.
MoneyMint rating
#2 of 5 U.S.-dollar cards · How we rate
Rewards on a USD card
Rated against the four other U.S.-dollar cards we track, where cost and rate matter more than points. Find the right fit for you →
Not Sure? Three Cards People Compare It With
Scotiabank U.S. Dollar Visa Card
Pick this instead if you want the cheapest USD card to hold (US$35, 19.99%).
Fee US$35Rating 4.8 ★
TD U.S. Dollar Visa Card
Pick this instead if you want built-in travel insurance on a USD card.
Fee US$39Rating 3.5 ★
RBC U.S. Dollar Visa Gold
Pick this instead if you want to earn a point on every U.S. dollar you spend.
Fee US$65Rating 3.2 ★
CIBC U.S. Dollar Aventura Gold Visa Card
USD card with rewards · US$35/year
This is general information, not personalized financial advice — consider your own spending habits and consult a professional for decisions specific to your situation. Rates, fees, and offers are set by CIBC and can change without notice; always confirm current terms on the issuer’s official page before applying.
Frequently Asked Questions
What is the annual fee for the CIBC U.S. Dollar Aventura Gold Visa Card?
The annual fee is US$35, with no fee for up to three additional cards. CIBC rebates the fee for the first year with the current welcome offer, and rebates it on an ongoing basis if you hold a CIBC US$ Personal Account or a CIBC Bank USA Smart Account along with a premium CIBC personal credit card.
What rewards does the CIBC U.S. Dollar Aventura Gold Visa Card earn?
You earn 1 Aventura point per $1 on eligible travel booked through the CIBC Rewards Centre (CIBC by Expedia) and 1 point per $2 on all other purchases. Using our valuation of about 1.2 cents per Aventura point, that is roughly 0.6% back on everyday spending.
Does this card have a foreign transaction fee?
There is no currency conversion fee on U.S. dollar purchases, because the account is held in U.S. dollars and you repay it in U.S. dollars. Purchases in other currencies are converted, and conversion costs apply, so check CIBC’s terms before using it outside the U.S.
What is the welcome offer?
Up to 2,500 Aventura points: 500 points for each of five actions completed within 60 days of approval — sharing your email address with CIBC, signing up for eStatements, adding an authorized user, holding an eligible CIBC chequing account and adding the card to Apple Pay, Samsung Pay or Google Pay. CIBC also rebates the first-year annual fee and includes a free first-year Skip+ membership.
What income do I need to qualify?
CIBC lists a minimum annual household income of $15,000 for this card, and a minimum credit limit applies. Approval also depends on your credit history, not income alone.
Do I need a U.S. dollar bank account?
Not strictly, but it helps. The statement is due in U.S. dollars, so paying from a Canadian-dollar account means your bank converts the payment at its own rate, which can cancel out the saving the card is meant to deliver.