Illustration, not the actual card design.
CIBC · Earns Aeroplan points · Business card
CIBC Aeroplan Visa Business
Annual fee
$180 · waived year one
Welcome offer
Up to 75,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $40,000 in your first 12 monthly statement periods.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$530
+$350 welcome bonus
+$180 yearly credits
−$0 fee (waived)
Year 2
$400
+$400 welcome bonus
+$180 yearly credits
−$180 fee
Every year after
$0
+$180 yearly credits
−$180 fee
Plus 16 benefits with no fixed dollar value, like 4th Hotel Night Free, Avis and Budget rental discount and No Cash Surcharges on Aeroplan Flight Rewards. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Oct 10, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Offer may end without notice. Under Aeroplan's terms, you may not get the bonus points if you have already received a welcome, additional or anniversary bonus for a new Aeroplan card of the same card category type from CIBC or another issuer. Only newly approved accounts qualify. The annual fee is rebated for each of the first two years, for you and up to nine authorized users added at application.
75,000 points: worth $750 at 1¢ a point, or up to $1,500 on travel (2¢ a point). How that works
- 1Make your first purchase10,000 pts≈ $100 est.Year 1
- 2Spend $7,500 in your first 3 monthly statement periods25,000 pts≈ $250 est.Year 1
- 3Spend $40,000 in your first 12 monthly statement periods40,000 pts≈ $400 est.Year 2
- First-year annual fee waived$180savedYear 1
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Valued at 1¢ per point. Aeroplan points can be worth more on travel. How that works
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Hyatt Hotels | 2 pts per $ | 2¢ |
| Air Canada | 2 pts per $ | 2¢ |
| Dining & Restaurants | 1.5 pts per $ | 1.5¢ |
| Travel | 1.5 pts per $ | 1.5¢ |
| Telecom | 1.5 pts per $ | 1.5¢ |
| Shipping | 1.5 pts per $ | 1.5¢ |
| Transit | 1.5 pts per $ | 1.5¢ |
| Everything else | 1 pt per $ | 1¢ |
What else you get
Perks · 5
- Free First Checked Bag$180/yr
Free first checked bag (23 kg) on Air Canada flights for you and authorized users and up to 8 companions; valued at $180 a year (2 people, 1 round trip)
Worth about $45 per bag, each way · Air Canada's price, Economy Basic or Standard fare, within Canada and to or from the U.S., before tax (Flex fares include one free), checked Oct 2026
- 4th Hotel Night Free
Extra hotel night free for every 3 nights redeemed with Aeroplan points
Every booking - Avis and Budget rental discount
Up to 25% off at participating Avis and Budget locations worldwide
- No Cash Surcharges on Aeroplan Flight Rewards
No cash carrier surcharges on any Air Canada flight booked with Aeroplan points
Every flight
Show all 5Show fewer
- Preferred Pricing on Aeroplan Flight Rewards
Book Air Canada flight rewards for fewer Aeroplan points, when offered
Insurance · 9
- Trip Cancellation Insurance
Trip cancelled for a covered reason, up to $1,000 per person, $5,000 per trip for everyone combined
- Trip Interruption Insurance
Trip interrupted or delayed for a covered reason, up to $2,000 per person per trip
- Flight Delay Insurance
Meals and hotel when a flight is delayed 4 hours or more, up to $500 for all insured persons combined
- Baggage Delay Insurance
Checked baggage delayed 6 hours or more, up to $500 per person, $1,000 combined
Show all 9Show fewer
- Lost Baggage Insurance
Checked or carry-on baggage lost, damaged or stolen, up to $500 per person, $1,000 combined
- Rental Car Collision Damage Insurance
Rental car theft, loss or damage, up to $85,000 per rental, rentals up to 48 days
- Common Carrier Travel Accident Insurance
Accidental death or dismemberment as a passenger on a plane, train, bus or ship, up to $500,000
- Purchase Protection
Loss, theft or damage to new items within 90 days of purchase; $60,000 maximum per cardholder across all CIBC cards
- Extended Warranty
Doubles the manufacturer's warranty, up to 1 extra year, on eligible new items bought with the card
Status
- Aeroplan Elite Status Boost
1,000 Status Qualifying Credits per $20,000 spent, up to 25,000 SQC a calendar year
- Avis Preferred Plus Membership
Avis Preferred Plus status for the primary cardholder
Enroll first
Awards
- Maple Leaf Lounge Guest Passes
One Maple Leaf Lounge guest pass per $10,000 in eligible net purchases, up to 4 per account year
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by CIBC. Card and program names belong to their owners.
Details last checked Oct 10, 2026.