Illustration, not the actual card design.
CIBC · Earns Aeroplan points
CIBC Aeroplan Visa Infinite Privilege
Annual fee
$599
Welcome offer
Up to 100,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $25,000 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
$81
+$500 welcome bonus
+$180 yearly credits
−$599 fee
Year 2
$81
+$500 welcome bonus
+$180 yearly credits
−$599 fee
Every year after
−$419
Costs $419 a year until your spending covers it.
Plus 27 benefits with no fixed dollar value, like NEXUS Statement Credit, 4th Hotel Night Free and Avis and Budget rental discount. 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.
100,000 points: worth $1,000 at 1¢ a point, or up to $2,000 on travel (2¢ a point). How that works
- 1Spend $1,000 in your first 2 monthly statement periods10,000 pts≈ $100 est.Year 1
- 2Spend $5,000 in your first 4 monthly statement periods40,000 pts≈ $400 est.Year 1
- 3Spend $25,000 in your first 12 monthly statement periods and keep the account open and in good standing50,000 pts≈ $500 est.Year 2
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¢ |
| Gas & Fuel | 1.5 pts per $ | 1.5¢ |
| Transit | 1.5 pts per $ | 1.5¢ |
| Groceries | 1.5 pts per $ | 1.5¢ |
| Everything else | 1.25 pts per $ | 1.25¢ |
What else you get
Statement credits
- NEXUS Statement Credit$200
NEXUS application fee charged to the card, rebated as a statement credit of up to $200 CAD
Worth about US$120 per application · CBSA's price, 5-year membership; non-refundable, checked Oct 2026
Every few years
Perks · 11
- 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
- Longer-Lasting eUpgrade Credits
New eUpgrade credits stay valid 24 months instead of 12
Show all 11Show fewer
- Maple Leaf Lounge Access
Maple Leaf Lounges and Air Canada Cafés in Canada and the US, you plus one guest; authorized users too
- No Cash Surcharges on Aeroplan Flight Rewards
No cash carrier surcharges on any Air Canada flight booked with Aeroplan points
Every flight - Preferred Pricing on Aeroplan Flight Rewards
Book Air Canada flight rewards for fewer Aeroplan points, when offered
- Priority Check-in and Boarding
Priority Check-in, Zone 2 boarding and Priority Baggage on Air Canada, up to 9 travellers per booking
Every flight - Visa Airport Companion Lounge Visits
6 free visits a year at 1,200+ Visa Airport Companion lounges worldwide, for you or your guests
Worth about US$32 per person, per visit · Visa's price, Price once any free visits are used; subject to change, checked Oct 2026
Enroll first - Visa Infinite Concierge
24/7 Visa Infinite Privilege Concierge for travel, dining and events, 1 855 822-1240
- Visa Infinite Luxury Hotel Collection
Perks at 900+ Visa Infinite Luxury Hotel Collection properties booked through Visa Infinite Privilege
Insurance · 12
- Emergency Medical Insurance
Out-of-province emergency medical, up to $5,000,000 per person per trip, first 31 days, 64 or under
- Trip Cancellation Insurance
Trip cancelled for a covered reason, up to $2,500 per person, $10,000 per trip for everyone combined
- Trip Interruption Insurance
Trip interrupted or delayed for a covered reason, up to $5,000 per person, $25,000 combined
- Flight Delay Insurance
Meals and hotel when a flight is delayed 4 hours or more, up to $500 per person, $1,000 per occurrence
Show all 12Show fewer
- Baggage Delay Insurance
Checked baggage delayed 6 hours or more, up to $500 per person, $1,000 combined
- Lost Baggage Insurance
Checked or carry-on baggage lost, damaged or stolen, up to $1,000 per person, $2,500 combined
- Rental Car Collision Damage Insurance
Rental car theft, loss or damage, up to $100,000 per rental, rentals up to 48 days
- Hotel Burglary Insurance
Personal items stolen when your hotel room is broken into, up to $2,500 per occurrence
- Common Carrier Travel Accident Insurance
Accidental death or dismemberment as a passenger on a plane, train, bus or ship, up to $500,000
- Mobile Device Insurance
Phone or tablet lost, stolen or accidentally damaged, up to $1,500 per occurrence per person
- Purchase Protection
Loss, theft or damage to new items within 180 days of purchase; $60,000 maximum per cardholder across all CIBC cards
- Extended Warranty
Triples the manufacturer's warranty, up to 2 extra years, on eligible new items bought with the card
Status
- Aeroplan Elite Status Boost
1,000 Status Qualifying Credits per $5,000 spent, up to 25,000 SQC a calendar year
- Avis President's Club
Avis President's Club status for the primary cardholder
Enroll first - World of Hyatt Discoverist Status
World of Hyatt Discoverist status, 5 Tier-Qualifying Night credits a year and 2 Status Challenges a calendar year
Enroll first
Awards
- Annual Companion Pass
Companion base fare $99 to $599 (plus taxes) anywhere Air Canada flies, after $25,000 spend in a card 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.