Illustration, not the actual card design.
CIBC · Earns Aeroplan points
CIBC Aeroplan Visa Infinite
Annual fee
$139 · waived year one
Welcome offer
Up to 50,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $12,000 in your first 12 monthly statement periods and keep the account open and in good standing.
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
$430
+$250 welcome bonus
+$180 yearly credits
−$0 fee (waived)
Year 2
$291
+$250 welcome bonus
+$180 yearly credits
−$139 fee
Every year after
$41
+$180 yearly credits
−$139 fee
Plus 20 benefits with no fixed dollar value, like Avis and Budget rental discount, Visa Infinite Concierge and Visa Infinite Luxury Hotel Collection. 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. Additional cardholders are not eligible. 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; transfers and product changes from other CIBC credit cards are excluded. The first-year fee rebate covers you and up to three authorized users added at application, and the account must be open and in good standing when it is awarded.
50,000 points: worth $500 at 1¢ a point, or up to $1,000 on travel (2¢ a point). How that works
- 1Make your first purchase10,000 pts≈ $100 est.Year 1
- 2Spend $6,000 in your first 6 monthly statement periods15,000 pts≈ $150 est.Year 1
- 3Spend $12,000 in your first 12 monthly statement periods and keep the account open and in good standing25,000 pts≈ $250 est.Year 2
- First-year annual fee waived$139savedYear 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.) |
|---|---|---|
| Gas & Fuel | 1.5 pts per $ | 1.5¢ |
| Groceries | 1.5 pts per $ | 1.5¢ |
| Hyatt Hotels | 1.5 pts per $ | 1.5¢ |
| Air Canada | 1.5 pts per $ | 1.5¢ |
| Everything else | 1 pt per $ | 1¢ |
What else you get
Perks
- Free First Checked Bag$180/yr
Air Canada flights: first bag free for you, 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
- Avis and Budget rental discount
Up to 25% off at participating Avis and Budget locations worldwide
- Visa Infinite Concierge
24/7 concierge for travel, dining, tickets and shopping help
- Visa Infinite Luxury Hotel Collection
Upgrade, breakfast for two, $25 food credit and late checkout at 900+ hotels booked through the collection
Insurance · 12
- Emergency Travel Medical Insurance
Out-of-province emergency medical, up to $5,000,000, first 15 days of a trip, 64 or under
- Trip Cancellation Insurance
Up to $1,500 per person and $5,000 per trip if you cancel before departure
- Trip Interruption Insurance
Up to $2,000 per person per trip if a trip is cut short or delayed
- Flight Delay Insurance
Delays over 4 hours, up to $500 per occurrence for meals, hotel and transport
Show all 12Show fewer
- Delayed Baggage Insurance
Bags delayed 6+ hours, up to $500 per person for essentials
- Lost Baggage Insurance
Checked or carry-on baggage lost, stolen or damaged, up to $500 per person, $1,000 for all insured persons combined
- Car Rental Collision Damage Insurance
Damage or theft of a rental car, rentals up to 48 days, vehicles up to $85,000
- Hotel Burglary Insurance
Personal items stolen from your hotel room, up to $2,500 per occurrence
- Common Carrier Accident Insurance
Accidental injury or death on a plane, train, bus or ferry, up to $500,000 per person
- Mobile Device Insurance
Phone or tablet loss, theft or accidental damage, up to $1,000, for 2 years
- Purchase Security
New items bought with the card, lost, stolen or damaged within 90 days; $60,000 maximum per cardholder across all CIBC cards
- Extended Protection
Doubles the manufacturer's warranty, up to 1 extra year
Status
- Aeroplan Elite Status Boost
1,000 Status Qualifying Credits per $20,000 spent, up to 25,000 a year
- Avis Preferred Plus Membership
Avis Preferred Plus status for the primary cardholder
Enroll first
Awards
- 4th Hotel Night Free
One extra night free for every 3 hotel nights redeemed with Aeroplan points
Every booking - No Airline Surcharges on Air Canada Rewards
No cash carrier surcharges on Air Canada flight rewards booked with points
Every flight - Preferred Pricing on Flight Rewards
Book Aeroplan flight rewards for fewer points, offered from time to time
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.