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Six value dimensions, scored 0–100. The solid bar leads that dimension.
Earning power
Statement credits
Lounge access
Hotel & status
Protections
Low annual fee
| Perk | CIBC Aventura Visa InfiniteCIBC · CA | Sapphire ReserveChase |
|---|---|---|
| Costs & value | ||
| Annual fee | CA$139 Inferred by source | $795 Verified by source |
| Realized value* | CA$120 | $2,348 |
| Net / year | −CA$19 | +$1,553 |
| Value check | Earns its keep | Worth knowing |
| Rewards | points | points |
| Cash advance (ATM) | No separate cash advance fee charged (interest accrues from day one) Inferred by source | Either $10 or 5% of each advance, whichever is greater Inferred by source |
| LoungesFull breakdown → | ||
| Networks | — | Priority Pass · 336enroll PP |
| Points & MilesFull breakdown → | ||
| Earn rates | 2× Travel via the CIBC Rewards Centre Inferred by source 1.5× Gas, EV charging, groceries & pharmacies Inferred by source 1× Everything else Inferred by source | 8× Chase Travel (flights, hotels, rentals) Verified by source 4× Flights booked direct Verified by source 4× Hotels booked direct Verified by source 3× Dining worldwide Verified by source 1× Everything else Verified by source |
| Redemption ValueFull breakdown → | ||
| Portal value | 1¢ per pt Estimated by source | 1¢ per pt Verified by source |
| Hotel PerksFull breakdown → | ||
| The Edit (Luxury Hotel & Resort Collection) | — | Included Verified by source |
| IHG One Rewards Platinum Elite | — | Included Verified by source |
| World of Hyatt Explorist | — | Included Verified by source |
| IHG One Rewards Diamond Elite | — | Included Verified by source |
| CreditsFull breakdown → | ||
| Credits | 1 credit · CA$120/yr | 11 credits · $2,348/yr |
| ProtectionsFull breakdown → | ||
| Trip cancellation | Trip cancellation / interruption insurance Inferred by source | Up to $10,000/person, $20,000/trip Verified by source |
| Baggage | Delayed/lost baggage insurance Inferred by source | Baggage delay $100/day up to 5 days; lost luggage $3,000/traveler Verified by source |
| Rental car CDW | — | Up to $75,000 (primary) Verified by source |
| Trip delay | — | Up to $500/traveler Verified by source |
| Emergency evacuation | — | Up to $100,000 Inferred by source |
| Roadside assistance | — | $50/incident, up to 4x/year (US & Canada) Inferred by source |
| Travel accident | — | Up to $1,000,000 accidental death and dismemberment while traveling Verified by source |
| Purchase protection | — | Up to $10,000/item against damage or theft for 120 days from purchase (90 days for NY residents) Verified by source |
| Extended warranty | — | Extends manufacturer's US warranty by 1 additional year on eligible warranties of 3 years or less (up to 4 years total from purchase date); up to $10,000/item, $50,000 max per account Verified by source |
| Return protection | — | Up to $500/item within 90 days of purchase if store won't accept return; $1,000 max per 12-month period Verified by source |
| Foreign Tx FeesFull breakdown → | ||
| Fee | 2.5% Inferred by source | None Verified by source |
| Apply & freshness | ||
| Data last verified | Jun 12, 2026 | Aug 2, 2026 |
| Apply | Apply | Apply |
*Assumes full use of every non-spend-gated credit — an upper bound. Personalize it
On paper the Chase Sapphire Reserve comes out ahead: by realized value minus the annual fee, the CIBC Aventura® Visa Infinite* Card nets −CA$19/yr and the Chase Sapphire Reserve nets +CA$1,553/yr. Which is actually better depends on your spending and which perks you'll use.
The CIBC Aventura® Visa Infinite* Card has the lower annual fee (CA$139 vs CA$795).
Both include lounge access — the CIBC Aventura® Visa Infinite* Card via Visa Airport Companion, and the Chase Sapphire Reserve via Sapphire, Priority Pass, Air Canada.