TD® Aeroplan® Visa Infinite Privilege* vs CIBC Aeroplan® Visa Infinite* Card: Which one is better?

TD® Aeroplan® Visa Infinite Privilege*

2.9

Apply Now More Details

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

Get your free credit score

CIBC Aeroplan® Visa Infinite* Card

3.3

Apply Now More Details

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

Get your free credit score

Welcome Bonus

20,000 points after the eligible first purchase. 35,000 additional bonus points after spending $12,000 within 180 days of account opening. 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening at the anniversary of the card.

Welcome Bonus

10,000 Aeroplan points when you make your first purchase. 20,000 Aeroplan points when you spend $5,000 or more during the first 4 statements periods. 20,000 Aeroplan points as an additional anniversary bonus when you have at least $15,000 in net purchases posted on your account during the first 12 monthly statement periods.

Rewards Breakdown

Annual Rewards

$601.85

Air Canada Aeroplan®

First Year Bonus Value

$420

Air Canada Aeroplan®

Annual Fee

$599

First Year Value

$422.85

$2.85 in years after

Based on a hypothetical $2,000/mo average spending. Calculate your rewards.

Rewards Breakdown

Annual Rewards

$541.37

Air Canada Aeroplan®

First Year Bonus Value

$1,050

Air Canada Aeroplan®

Annual Fee

$139

First Year Waived

First Year Value

$1,452.37

$402.37 in years after

Based on a hypothetical $2,000/mo average spending. Calculate your rewards.

How to Earn Rewards

2 points on Air Canada and Air Canada Vacations if they are in the first $100k transactions of the year
1.5 points on Gas, Groceries, Travel and Dining if they are in the first $100k transactions of the year
1.25 Point on everything else

How to Earn Rewards

1.5 Aeroplan® points per $1 spent on eligible gas, electric vehicle charging, groceries and with Air Canada directly, including through Air Canada Vacations®
1 Aeroplan® point per $1 spent on all other purchases

Insurance Included

Lost or Stolen Baggage

$2.5K/person

Baggage Delay

$1K/person after 4 hours

Car Rental Damage & Theft

Up to 48 consecutive rental days

Travel Accident

$500,000

Mobile Device Insurance

$1,500

Extended Warranty

2 years

Purchase Protection

120 days

Hotel Burglary Insurance

$2500

Emergency Out of province Medical

$5M/insured up to 31 days

Emergency Medical Over 65

$5M/insured up to 4 days

Trip Cancellation

$2.5K/person, $5K/trip

Trip Interruption

$5K/person, $25K/trip

Flight Delay

$1,000/person after 4 hours

Insurance Included

Lost or Stolen Baggage

$500

Baggage Delay

$500

Car Rental Damage & Theft

yes

Travel Accident

$500,000

Mobile Device Insurance

$1,000

Extended Warranty

Up to 1 year

Purchase Protection

90 days

Hotel Burglary Insurance

$2,500

Emergency Out of province Medical

15 days

Emergency Medical Over 65

3 days

Trip Cancellation

$1,500

Trip Interruption

$2,000

Flight Delay

$500

Extra Benefits

Car Rental Discount

10% off base rate of Avis Rent A Car and Budget Rent A Car

Visa Infinite Exclusive Benefits

Status lift

Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchases

Status lift

Complimentary upgrade to Avis® President's Club

Status lift

Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.

Status lift

Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.

Status lift

Diamond Status with Visa RSVP Rewards™ Benefit. Benefits at 60+ participating Sandman, Sandman Signature and Sutton Place Hotels from coast-to-coast in Canada and beyond.

Free first checked bag

First checked bag is free for primary cardholder on AirCanada flight and up to 8 guests

Airport Lounge - Dragon Pass

6 Free complimentary visits

Trip and legal Assistance

Concierge Services

Companion Voucher

Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card

Extra points

Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores

Extra points

Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore

Extra points

Earn 2 Aeroplan points for every $1 you spend on eligible purchases with Rocky Mountaineer, Plus, cardholders could receive a GoldLeaf Upgrade, and a hotel room upgrade

Nexus Program Rebate

$100 every 4 years

Priority Travel

At Toronto, Vancouver, Ottawa and Montreal airports get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking.

Priority Travel

Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)

Golf Benefit

Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S

Airport Lounge - Maple Leaf and AirCanada Cafes

Unlimited Access for you and one guest

Extra Benefits

Car Rental Discount

Get up to 25% off auto rentals at participating Avis and Budget locations worldwide.

Visa Infinite Exclusive Benefits

Exclusive offers

Status lift

Reach Aeroplan Elite Status sooner: Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in eligible purchases made on your card

Free first checked bag

Enjoy a free first checked bag for you, authorized users and up to 8 companions every time you fly with Air Canada

Gas Discount

save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations

Discount

Primary cardholders can often book flight rewards for even fewer points

Free Extra Night at Hotels

Extra night free for every 3 hotel nights redeemed with Aeroplan points

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Balance Transfer:

22.99%

Annual Fee

$599

Annual Fee

$139

First Year Waived

Income Required

Min Personal Income:

$150,000

Min Household Income:

$200,000

Income Required

Min Personal Income:

$60,000

Min Household Income:

$100,000

Loyalty Program

Air Canada Aeroplan®

Loyalty Program

Air Canada Aeroplan®

Point Redemption Options

Most Optimal

Aeroplan® Flights

2.1¢ / point

Car Rentals

0.9¢ / point

Travel

0.825¢ / point

Merchandise

0.75¢ / point

Gift Cards

0.72¢ / point

Point Redemption Options

Most Optimal

Aeroplan® Flights

2.1¢ / point

Car Rentals

0.9¢ / point

Travel

0.825¢ / point

Merchandise

0.75¢ / point

Gift Cards

0.72¢ / point

Is this card worth it?

If you travel a lot throughout the year with Air Canada, the benefits of this card can significantly enhance your experience. It can help you achieve the next status level with Aeroplan and provide a better airport experience, therefore it can be worth the price tag. However, if you don't frequently fly with Air Canada, the benefits may not justify the card's expensive price tag.

Is this card worth it?

The CIBC Aeroplan Visa Infinite Card is great for Air Canada travelers who want to rack up Aeroplan points and enjoy perks like free checked bags and preferred pricing on flight redemptions. With solid reward rates in key spending categories like gas, groceries, and Air Canada purchases, this card offers decent returns. Additionally, the first-year annual fee waiver and comprehensive travel insurance make it a solid option for those looking for value without the upfront cost. However, its highest value is for people who frequently travel with Air Canada and make use of Aeroplan rewards, especially for flights.

Pros

Premium experience for Elite Air Canada travelers with many benefits and status upgrades.
High coverage limit on insurance.
Numerous luxury benefits and statuses available for use.

Pros

Generous Welcome Bonus: 40,000 Aeroplan points upon meeting the initial spending requirements.
High Reward Rates: Earn up to 1.5 points per $1 spent on gas, groceries, EV charging, and Air Canada purchases.
Air Canada Perks: Free checked bags for you and up to 8 companions when flying Air Canada.
Preferred Pricing on Aeroplan Flights: Get access to better Aeroplan point redemption rates for Air Canada flights.

Cons

The rewards rate on this card is not that high. There are non-Aeroplan cards with much better reward programs, and their points can later be transferred to this card, making them better options if you are looking to gather Aeroplan points.
You lose the flexibility to use other airlines if you want to take advantage of the benefits of this card.
The high price tag makes this card a poor choice if you don't frequently travel with Air Canada.
The unlimited lounge access is limited to Maple Leaf Lounges and Air Canada Cafe lounges which don't have a great worldwide coverage.

Cons

Income Requirements: Requires either a $60,000 personal income or a $100,000 household income to qualify.
Limited Redemption Value: The highest value for points is found when redeeming for Air Canada flights, limiting flexibility if you prefer other types of rewards.

Other Comparisons