The main difference between the American Express Cobalt and the CIBC Aventura Visa Infinite Card lies in their rewards dance-off. Both cards sport enticing travel vibes and perks, but they swing to different rhythms. Let's break it down like a jazz riff.
Rewards Structure: Cobalt takes you on a vibrant taste tour with a focus on dining and food delivery, plus travel and transit jazz. Meanwhile, Aventura Visa Infinite lets you explore the skies, earning points on travel and everyday expenses.
Fees: Keep your wallet cool with the Cobalt's annual fee, while Aventura Visa Infinite dances to its own tune with a heftier fee but more robust insurance coverage.
Intro Offers & Bonuses: Cobalt hits the floor with a swanky welcome bonus and monthly spend boosts, while Aventura Visa Infinite invites you with its own bonus and Air Canada perks.
Standout Features: Feeling the groove with Cobalt's multi-category bonus points and the cool feature of redeeming for almost any travel expense. Aventura Visa Infinite jazzes up your travel with Priority Pass membership and points flexibility.
Both cards know how to jazz up your spending, but Cobalt is the ultimate foodie explorer, while Aventura Visa Infinite elevates your travel game. So, whether you're savoring the flavors or soaring through the skies, the choice is yours, my savvy spenders!
 On website |  |
|---|---|
| Description | |
| Offers an attractive rewards program with a focus on earning points quickly on everyday spending categories like dining, streaming subscriptions, and transportation. | A flexible travel rewards card that lets you earn up to 35,000 points plus 4 complimentary visits to over 1,200 lounges globally. |
| Basics | |
| Additional Cardholders | |
| 9 | 3 |
| Card Type | |
| American Express | Visa |
| Minimum Credit Limit | |
| N/A | N/A |
| Maximum Credit Limit | |
| N/A | N/A |
| Sign up bonus | |
| Signup Bonus Points | |
| 15000 points | 20000 points |
| Signup Bonus Points Required Spend | |
| $750.00 | $3,000.00 |
| Signup Bonus Points Required Spend Terms | |
| eligible purchases every month for 12 months, that's 1,250 Membership Rewards points for each monthly billing period. | eligible purchases in the first 4 monthly statement periods. Plus earn Get 15,000 Aventura Points on your first purchase. That is a total of 35,000 Aventura Points |
| Rewards | |
| Rewards Program | |
| American Express Rewards | CIBC Rewards |
| Domestic Rewards Points Earn Rate | |
| 1 | 1 |
| Benefits | |
| Airport Lounge Access Included | |
| Yes | Yes |
| Concierge Service Included | |
| Yes | No |
| Cardholder's International Travel Insurance | |
| Yes | Yes |
| Complimentary Flight Voucher Included | |
| No | No |
| Introductory balance transfer | |
| Balance Transfer Rate | |
| N/A | N/A |
| Balance Transfer Period | |
| N/A | N/A |
| Balance Transfer Fee Percentage | |
| N/A | N/A |
| Balance Transfer Limit Percentage | |
| N/A | N/A |
| Balance Transfer Revert Rate | |
| N/A | N/A |
| Ongoing rates | |
| Cash Advance Rate | |
| 21.99% p.a. | 22.99% p.a. |
| Purchase Rate Ongoing | |
| 21.99% p.a. | 20.99% p.a. |
| Ongoing fees | |
| Annual Fee Ongoing | |
| $155.88 | $139.00 |
| Foreign Exchange Fee | |
| $2.50 | N/A |
| Foreign Exchange Fee Percentage | |
| N/A | 2.5% |
| Late Payment Fee | |
| $38.00 | N/A |
| Overseas ATM Withdrawal Fee | |
| $5.00 | $5.00 |
| Digital wallets | |
| Apple Pay Enabled | |
| Yes | Yes |
| Google Pay Enabled | |
| Yes | Yes |
| Samsung Pay Enabled | |
| Yes | Yes |
| Eligibility | |
| Available To Existing Customers | |
| No | No |
| Minimum Age | |
| 18 years | 18 years |
| Minimum Credit Rating | |
| Good | Good |
| Minimum Income | |
| N/A | $60,000.00 |
| Temporary Residents Accepted | |
| No | No |
