Payment with Points and Shopping with Points

Great options for your Aventura Points^◊!

Use them to help pay down your credit card balance²or contribute them to select financial products.^{3, 4, 5, 6} You can even shop with your Points.⁷

Shopping with Points⁷

Get more with Points

Redeem your points to pay off eligible Aventura credit card purchases.

How to redeem your Points

Sign on to CIBC Online Banking^®or CIBC Mobile Banking^®
Go to your Credit Card Account Details page
Select an eligible pending transaction
Select “Redeem with Points”

Payment with Points

Get more with Points

Use your Points to pay down your Aventura credit card balance¹. Redemptions start at 4,000 points for a $25 payment.

How to redeem your Points

Sign on to CIBC Online Banking
Select the Payment with Points² link on your card's Account Details page
Fill in your information and choose how you want to redeem your Points

Financial products with Points

Get more with Points

Use your Points to help make payments or contributions to the following financial products:

Residential mortgage³
CIBC Tax Advantage Savings Account (TFSA)⁴
CIBC Daily Interest Savings Account (RRSP)⁴
Self-Directed CIBC Investor’s Edge brokerage account⁵
Or pay down a CIBC Personal Loan⁶

Redemptions start at 12,000 points for a $100 payment or contribution to an existing CIBC financial product.

How to redeem your Points

Sign on to CIBC Online Banking
Select the Payment with Points² link on your card's Account Details page
Fill in your information and choose how you want to redeem your Points

Play video: How to shop with points (1:59)

Transcript for the video How to shop with points. Opens in a new window.

Play video: How to pay with points (2:00)

Transcript for the video How to pay with points. Opens in a new window.

Play video: How to earn points (1:46)

Transcript for the video How to earn points. Opens in a new window.

Don’t have an Aventura card? Get one today

^◊ Please note that you can also use these options to redeem Gold Bonus Points. It will take up to 5 business days for your Points to be redeemed and appear in your account. You don’t need to visit your branch. You can also call us to redeem your Points at 1-800-465-4653 Opens your phone app..

¹Payment with Points redemption towards credit cards balances will be reflected within 5 business days.

² Only primary cardholders are permitted to perform a “Payment with Points” or “Financial Product with Points” redemption. Authorized Users are not eligible. Redemptions are non-refundable, non-exchangeable and non-transferable unless you are advised otherwise. Requested redemption amount must be equal to or less than the cardholder’s available points balance. Points to dollars conversion ratio is determined by CIBC and can be changed at any time without notice.

³ Points can only be used to prepay outstanding principal. The prepayment cannot exceed the amount of your annual prepayment privilege. You can find this amount in your mortgage documents, or in Mortgage Loan-Details in the My Accounts section of CIBC Online Banking. A prepayment can only be made on a regular mortgage payment date. You must submit this request at least 5 business days before the regular payment date on which you want the prepayment applied. The prepayment will be visible through online banking within 5 business days after the regular payment date on which it is applied.

⁴ Eligible registered savings accounts for contributions from Aventura / Gold points redemptions are: RRSP Daily Interest Savings Account (DISA); and TFSA Tax Advantage Savings Account (TASA). Cardholder is responsible for ensuring their contribution amount does not exceed their CRA issued contribution limit. Points redemption contributions must be from the cardholder’s existing Aventura / Gold product to their DISA or TASA. Posting of Aventura / Gold point redemption contributions to DISAs or TASAs can take up to 5 business days.

⁵ The following Investor’s Edge accounts are eligible for Financial Products with Points: Registered Accounts (RRSP, RRIF, TFSA, RESP) and Investment Accounts (Cash, Margin, Options). Financial product rewards transferred to a Registered Account will be applied as a cash contribution by the cardholder. The cardholder is responsible for ensuring the amount does not exceed any contribution limit applicable to the Registered Account. Cardholders can contact CIBC Investor’s Edge at 1-800-567-3343 Opens your phone app. in order to apply a Financial Product Reward into their existing CIBC Investor’s Edge account, or to open a CIBC Investor’s Edge account and then arrange for the financial product reward. Posting of cash credit to the Cardholder’s CIBC Investor’s Edge account can take upwards of 5 business days. Cash credit received in connection with a financial product reward can be used to purchase any available investment product (including stocks, mutual funds, GICs, precious metals, etc.)

⁶ Redemptions can only be applied towards existing personal lending accounts. Eligible personal lending products must have a balance owing. Posting of Aventura / Gold point based payments to the cardholder’s respective personal lending account will be visible through online banking within 5 business days from the processing date.

⁷ Requested redemption amount must be equal to or less than the cardholder’s available Aventura Points balance.

Aventura Points to dollars conversion ratio is determined by CIBC and can be changed at any time without notice.

Shopping with Points redemptions are non-refundable, non-exchangeable and non-transferable unless you are advised otherwise.

Only primary cardholders are permitted to perform a Shopping with Points redemption. Authorized Users are not eligible.

Shopping with Points redemptions are eligible only for authorized transactions that are not posted to the card account.

The redemption of your Aventura Points will be treated as a payment to your account and not as a credit. To learn how payments are applied to your account, refer to the Consumer Cardholder Agreement (PDF, 70 KB) Opens in a new window..

Existing terms of the Aventura Reward Program and credit card account continue to apply. This offer may be withdrawn or changed without notice at any time.

Trademarks

PAYMENT WITH POINTS¹ AND SHOPPING WITH POINTS

Great options for your Aventura Points^◊!

Shopping with Points⁷

Get more with Points

How to redeem your Points

Payment with Points

Get more with Points

How to redeem your Points

Financial products with Points

Get more with Points

How to redeem your Points

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PAYMENT WITH POINTS1 AND SHOPPING WITH POINTS

Great options for your Aventura Points◊!

Shopping with Points7

Get more with Points

How to redeem your Points

Payment with Points

Get more with Points

How to redeem your Points

Financial products with Points

Get more with Points

How to redeem your Points

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Play video: How to pay with points (2:00)

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Play video: How to earn points (1:46)

PAYMENT WITH POINTS¹ AND SHOPPING WITH POINTS

Great options for your Aventura Points^◊!

Shopping with Points⁷