CIBC U.S. Dollar Aventura Gold Visa Card

Annual Fee $35 Additional Cards Fee $0 Annual interest rate 21.99% Cash Advances 22.99% General Points Reward 1pts.	Travel Medical Insurance no Travel Accident Insurance yes Trip Cancellation Insurance no Trip Interruption Insurance no Vehicle Rental Insurance yes Travel Family Insurance no Concierge Services no Price Protection Insurance yes Extended Warranty (1 Year) yes Purchase Protection (90 days) yes

$35 USD annual fee (billed in US dollars); designed for Canadians with US dollar expenses: billed in USD and paid from a USD account, avoiding FX fees on purchases; earn 1 Aventura point per $1 USD spent; welcome offer: up to 5,000 Aventura points; Visa *Gold tier insurance: common carrier, out-of-province emergency medical, auto rental collision/loss damage waiver, purchase security, extended warranty; 20.99% purchase APR / 22.99% cash advance (USD); no foreign transaction fee on USD purchases (statement is USD-denominated); requires a CIBC US Dollar Personal Account for payment. Useful for snowbirds, cross-border shoppers, and US-subscription-heavy consumers who want to avoid FX markup.Snowbirds, cross-border commuters, and US-based property owners who receive income or pay bills in US dollars and want to eliminate FX markup on those charges.