CIBC Aventura® Visa* Card for Business Review

^†To qualify for this offer, applications for a new CIBC Aeroplan® Visa* Business Card must be submitted and approved beginning October 29, 2025.

In order to be eligible for this offer, you must also abide by the terms and conditions set out in this footnote.

If an application for a new CIBC Aeroplan® Visa* Business Card is submitted and approved, the Primary Cardholder can earn:

i. A welcome bonus of 10,000 Aeroplan points. The 10,000 Aeroplan points will appear on your statement after you make your first purchase at any time with your card, if you are eligible.

ii. 25,000 Aeroplan points if at least $7,500 in net purchases are posted to the Credit Card Account during the first 3 monthly statement periods. The incremental 25,000 Aeroplan points will be awarded (i) if the spend requirement is met and (ii) by the end of your next monthly statement period after the spend requirement is met.

iii. An additional bonus of 25,000 Aeroplan points if at least $40,000 in net purchases are posted to the Credit Card Account during the first 12 monthly statement periods. The incremental 25,000 Aeroplan points will be awarded (i) if the spend requirement is met and (ii) by the end of your next monthly statement period after the spend requirement is met.

iv. An additional bonus of 15,000 Aeroplan points if at least $40,000 in net purchases are posted to the Credit Card Account during the first 12 monthly statement periods.

v. A one-time annual fee rebate for the Primary Cardholder, and up to nine (9) Authorized Users set up at the time of the application.

This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion.

As set out in and subject to the Aeroplan Program General Terms and Conditions, you may not be eligible for this offer or to receive any of the Welcome Bonus, Additional Bonus, or Anniversary Bonus, even if CIBC approves your application for an Account, if you have previously received a Welcome Bonus, Additional Bonus or Anniversary Bonus in connection with opening a new Aeroplan credit card account with CIBC or any other issuer of an Aeroplan credit card of the same card category type as the CIBC Account you are applying for.

A one-time annual fee rebate for the Primary Cardholder, and up to nine (9) Authorized Users set up at the time of the application.

This offer does not apply to annual fees for Authorized Users that are added after you submit the application. This offer applies for the first year only. If the application for an eligible card is not approved, you may be considered for another card (as disclosed in the credit card application). If the application is approved for that card, this annual fee rebate offer will apply in the amount of the annual fee, if any, of the alternate card or credit card account, as applicable. If you qualify, the rebate will be awarded to the Credit Card Account and will appear as a credit against the applicable annual fee(s) within 2 statements. Your Credit Card Account must be open and in Good Standing at the time the rebate is awarded.

Offer applies to newly approved Credit Card Accounts.

Credit Card Account must be open and in Good Standing at the time the bonus Aeroplan points are awarded. Aeroplan points are awarded to you within 8 weeks after all qualifying purchase(s) are posted to your account. For this offer, the following do not qualify as purchases: Cash Advances, Balance Transfers, Convenience Cheques, fees, interest, payments and Aeroplan points redemptions. It may take up to several business days for purchases to be posted to your account.

Please ensure that the Primary Cardholder provides their personal Aeroplan number to be linked to your credit card as linking a different loyalty number may impact the airline benefit fulfillment.

The up to $2,000 value is based on the combined total value of: Free first checked bags for two people, on a round-trip in the first year ($140); Maple Leaf Lounge One-Time Guest Passes in North America ($236 based on up to four passes at $59 each for each $10,000 in eligible spend). The annual fee rebate for the first year ($180) for the Primary Cardholder and three additional Cardholders ($50 each), and that the 75,000 Aeroplan points upon approval and required spend on the CIBC Aeroplan Visa Business Card are redeemed for a flight reward ($1,500), based on the majority of current Aeroplan cardholders who receive a value of $0.02/point or more when redeeming for a flight reward as of September 1, 2025. Redemption calculation is based on actual redemptions made by Cardholders between the period of November 8, 2020 to September 1, 2025. Aeroplan points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at Aeroplan. Aeroplan points may be redeemed only in accordance with the General Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available on the Air Canada website.

^‡To qualify for this offer, applications for a new CIBC Aeroplan® Visa* Business Card must be submitted and approved beginning October 29, 2025.

In order to be eligible for this offer, you must also abide by the terms and conditions set out in this footnote.

If an application for a new CIBC Aeroplan® Visa* Business Card is submitted and approved, the Primary Cardholder can earn:

i. A welcome bonus of 10,000 Aeroplan points. The 10,000 Aeroplan points will appear on your statement after you make your first purchase at any time with your card, if you are eligible.

ii. 25,000 Aeroplan points if at least $7,500 in net purchases are posted to the Credit Card Account during the first 3 monthly statement periods. The incremental 25,000 Aeroplan points will be awarded (i) if the spend requirement is met and (ii) by the end of your next monthly statement period after the spend requirement is met.

iii. An additional bonus of 25,000 Aeroplan points if at least $40,000 in net purchases are posted to the Credit Card Account during the first 12 monthly statement periods. The incremental 25,000 Aeroplan points will be awarded (i) if the spend requirement is met and (ii) by the end of your next monthly statement period after the spend requirement is met.

iv. An additional bonus of 15,000 Aeroplan points if at least $40,000 in net purchases are posted to the Credit Card Account during the first 12 monthly statement periods.

v. A one-time annual fee rebate for the Primary Cardholder, and up to nine (9) Authorized Users set up at the time of the application.

This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion.

As set out in and subject to the Aeroplan Program General Terms and Conditions, you may not be eligible for this offer or to receive any of the Welcome Bonus, Additional Bonus, or Anniversary Bonus, even if CIBC approves your application for an Account, if you have previously received a Welcome Bonus, Additional Bonus or Anniversary Bonus in connection with opening a new Aeroplan credit card account with CIBC or any other issuer of an Aeroplan credit card of the same card category type as the CIBC Account you are applying for.

A one-time annual fee rebate for the Primary Cardholder, and up to nine (9) Authorized Users set up at the time of the application.

This offer does not apply to annual fees for Authorized Users that are added after you submit the application. This offer applies for the first year only. If the application for an eligible card is not approved, you may be considered for another card (as disclosed in the credit card application). If the application is approved for that card, this annual fee rebate offer will apply in the amount of the annual fee, if any, of the alternate card or credit card account, as applicable. If you qualify, the rebate will be awarded to the Credit Card Account and will appear as a credit against the applicable annual fee(s) within 2 statements. Your Credit Card Account must be open and in Good Standing at the time the rebate is awarded.

Offer applies to newly approved Credit Card Accounts.

Credit Card Account must be open and in Good Standing at the time the bonus Aeroplan points are awarded. Aeroplan points are awarded to you within 8 weeks after all qualifying purchase(s) are posted to your account. For this offer, the following do not qualify as purchases: Cash Advances, Balance Transfers, Convenience Cheques, fees, interest, payments and Aeroplan points redemptions. It may take up to several business days for purchases to be posted to your account.

Please ensure that the Primary Cardholder provides their personal Aeroplan number to be linked to your credit card as linking a different loyalty number may impact the airline benefit fulfillment.

The up to $2,000 value is based on the combined total value of: Free first checked bags for two people, on a round-trip in the first year ($140); Maple Leaf Lounge One-Time Guest Passes in North America ($236 based on up to four passes at $59 each for each $10,000 in eligible spend). The annual fee rebate for the first year ($180) for the Primary Cardholder and three additional Cardholders ($50 each), and that the 75,000 Aeroplan points upon approval and required spend on the CIBC Aeroplan Visa Business Card are redeemed for a flight reward ($1,500), based on the majority of current Aeroplan cardholders who receive a value of $0.02/point or more when redeeming for a flight reward as of September 1, 2025. Redemption calculation is based on actual redemptions made by Cardholders between the period of November 8, 2020 to September 1, 2025. Aeroplan points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at Aeroplan. Aeroplan points may be redeemed only in accordance with the General Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available on the Air Canada website.

^♢"Get a 4^th Night Free” Hotel Offer Terms and Conditions

“Get a 4th Night Free” hotel offer (the “Offer”) for hotel room redemption bookings at participating hotels made with Aeroplan points between 12:01 am Eastern Standard Time (“EST”) September 13, 2023 and 11:59 pm EST on December 31, 2026 by Primary or linked Additional Aeroplan co-brand cardholders (each a “Cardholder” and collectively “Cardholders”). Unless otherwise permitted, the Offer cannot be combined with any other offer. For every 4-night consecutive hotel stays at a participating hotel using only Aeroplan points from the Aeroplan account of the Cardholder booked on the travel booking website operated by Loyalty Travel Agency LLC, doing business as CX Loyalty (the “Website”), a Cardholder will be able to stay one of those four nights at that same hotel during that same stay under the same confirmation number for no additional Aeroplan points. For example, a Cardholder booking a 4-night consecutive stay will only need to redeem Aeroplan points for 3 nights (i.e., 15,000 points per night required for 4 nights is 60,000 points but under the Offer you only require 45,000 points (15,000 × 3) for the 4 nights). Or for an 8-night consecutive stay, the Cardholder will only need to redeem Aeroplan points for 6 nights and so forth. The nights must be within the same stay at the same participating hotel, and you can’t combine separate bookings and still get an extra night. There will be no points refund or free night credit for any unused portion of the Offer. The redemption booking summary will show the taxes and fees included in the points redemption rate. Local taxes and fees (such as destination and/or resort fees) may not be included in your hotel room points redemption rate and will still apply to each hotel night booked with points and be payable directly at the hotel. For more details, refer to the Travel Terms and Conditions of Loyalty Travel Agency LLC.

Hotel redemption pricing in points can fluctuate from night to night and the free night is based on the average points cost per hotel room redemption night across all nights of the stay of 4 nights or longer that will be calculated. The average points required for one hotel room night redemption will then be removed from the total of the 4 nights.

The amount of Aeroplan points required per night varies by the participating hotel, room type available at the participating hotel, length of stay, and may also vary by time of year. Points required per hotel room night redemption are updated continuously and may change at any time without notice. If a Cardholder makes a modification to a booking made pursuant to the Offer, the Cardholder will be responsible for any changes to the number of points required for the hotel room redemption nights.

The Offer applies to hotel redemptions of all room types made using only Aeroplan points on the Website. Offer is not applicable to bookings combining cash and points or cash only. To participate in the Offer, a Cardholder must have enough Aeroplan points (either in their own Aeroplan account or in their Aeroplan family pooling account) to cover the cost of redeeming for at least 3 hotel room nights at the selected participating hotel.

The Offer is not transferable and is not redeemable for cash. If the Offer is not running as planned for any reason, including infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, pandemic or any other causes beyond the reasonable control which corrupt or affect the administration, security or proper conduct of the Offer, the Offer can be terminated or suspended, in whole or in part, or modified in any way, without advance notice. Furthermore, any individual that is believed to be tampering with the process or the operation of the Offer can be disqualified from the Offer and banned from any future offers.

The following terms also apply to this Offer:

• Aeroplan Program General Information and Terms and Conditions
• Air Canada Privacy Policy
• Aeroplan’s Privacy Policy
• Travel Terms and Conditions of Loyalty Travel Agency LLC
• HotelSavers Terms and Conditions

Aeroplan is responsible for the fulfillment of the Offer and its terms of use. The Aeroplan program is a loyalty rewards and recognition program operated by Air Canada’s subsidiary Aeroplan Inc.

^††The CIBC and Skip+ Program consists of a: (i) 12-month free trial of a Skip+ membership, (ii) Skip welcome voucher, and (iii) discounted Skip+ subscription fee after the trial period ends (collectively, the “Offer”). To participate in the CIBC and Skip+ Program and receive the Offer, an eligible CIBC cardholder must: (i) actively opt-in to the Program by linking their eligible CIBC card with their Skip account through the Skip app or Skip website, and (ii) pay using their eligible CIBC card at checkout on eligible Skip+ orders (excluding payments made using a CIBC card through third party digital wallets). Following the end of the 12-month Skip+ free trial period, your Skip+ subscription will automatically renew at $6.99 plus tax per month (while available and subject to change) unless you cancel your subscription earlier or the Program or Offer ends.

Existing terms of your CIBC rewards program, credit card account and debit card continue to apply. Program and Offer subject to Skip+ membership terms and condition. Program may end at any time without notice. Offer may be withdrawn or changed without notice at any time, including without limitation, changes to the discounted monthly Skip+ subscription fee, the welcome voucher, and the length of time the discounted monthly Skip+ subscription fee is available. Conditions apply. For full terms and conditions, CIBC and Skip+ partnership page.

^✦As part of the Skip+ program, subscribers are entitled to at least the following loyalty Benefits:

$0 delivery fee on orders placed at participating Partners, subject to a minimum spend of at least $15 (before associated taxes) in order to benefit from the Free Delivery Promotion. Such minimum order value may vary depending on the Partner selected, but will always be shown to you before placing your order on the platform. Participating partners may change at any time.

Discounted service fees: A saving of at least 40% off the regular Services Fees charged. Participating partners only. Participating partners will be identifiable when placing an order through the use of the Skip+ logo. You can check the Service Fee charged by each participating partner in the partner menu. Service Fees in general may vary between partners and locations.

Skip+ Members will be entitled to exclusive and/or priority access to promotions offered by Skip and its partners from time to time, provided you have not opted out of receiving marketing communications from Skip.

Additional promotional benefits, offers and rewards may additionally be made available from time to time, subject to any additional terms published alongside those offers or rewards.

Read the full program terms and conditions.

¹Interest rates may change from time to time. "Purchase" means card purchases less returns and does not include: Cash Advances, Balance Transfers interest, fees and CIBC Convenience Cheques. “Cash” means Cash Advances, Balance Transfers and CIBC Convenience Cheques.

For CIBC Aeroplan Visa Business Card with an annual fee of $180: the annual interest rates are 12.99%, 15.99% or 18.99% for Purchases and 14.5%, 17.5% or 21.5% for Cash Advances, Balance Transfers and CIBC Convenience Cheques. The annual interest rates assigned to the Account will be based on your personal credit bureau and other information at the time the request is processed.

²Earn bonus rate of 1.5 Aeroplan points on each $1.00 in purchases (net of and/or less returns) at merchants that are classified in the Visa network as airlines, car rental agencies, travel agencies/ tour operators, hotels, cruise lines, tour buses/bus lines, local/suburban commuter passenger transportation, ferries, local water transportation, railways, limousines/cabs and certain other transportation services, shipping, internet, cable, phone services and dining. Bonus rate of 2 Aeroplan points on each $1.00 in purchases (net of and/or less returns) made directly from Air Canada, for products and services completed online at aircanada.com, in-person at an Air Canada customer service counter at the airport or aboard an Air Canada flight and Air Canada Vacations packages. Excluded from the bonus rate are car rentals, hotel bookings, and other third party partner products and services that can be purchased through aircanada.com. Bonus rate of 2 Aeroplan points per $1.00 spent on Air Canada purchases made directly through an Air Canada channel will not earn bonus rate of 1.5 Aeroplan points for travel purchases. Bonus Aeroplan points offer is only available on the first $80,000 in net annual card purchases on the account (meaning all card purchases by all cardholders, at any type of merchant); after which Aeroplan points are earned at the regular rate on net card purchases. The $80,000 annual limit will reset to zero on the day after the December statement is printed. Terms, conditions and eligible merchant categories may change at any time without notice. Aeroplan points will be awarded only if the CIBC Aeroplan Visa Business Card account is in Good Standing on each monthly statement date (otherwise Aeroplan points earned in the monthly period are cancelled). Aeroplan partners, rules and regulations are subject to change; refer to Aeroplan.

³CIBC is not responsible for any Aeroplan points earned under this “earn points twice” feature of the Aeroplan program when the Aeroplan number is provided. For the full terms and conditions of the Aeroplan program, visit Aeroplan Program Terms and Conditions.

⁴The Aeroplan number of the person accessing the benefit must be included in the qualifying reservation, and the name on the airline reservation must be identical to the name on the Aeroplan account of the traveller. For authorized users’ ability to access available benefits, their Aeroplan number must be linked to a valid CIBC Aeroplan credit card account as verified by the bank. Linking can be done by visiting Link Your Aeroplan Account. Allow up to 72 hours after the CIBC Aeroplan credit card account is approved, or the Aeroplan number of the authorized user is linked to the authorized user credit card, for these benefits to be activated. The Aeroplan accounts of the primary cardholder and authorized users must be in Good Standing at time of flight for airline benefits to apply. Airline benefits will no longer be available if your CIBC Aeroplan credit card account is not in Good Standing, or if it is closed, regardless of reason for closure. Airline benefits may no longer apply if the CIBC Aeroplan credit card product is changed to a different product. Aeroplan membership and benefits are subject to the Aeroplan Program Terms and Conditions and any applicable Air Canada terms and conditions relating to a benefit, as determined by Air Canada in its sole discretion and as may be changed from time to time. Capitalized terms used have the meanings set out in the CIBC Business Cardholder Agreement (Personal Liability).

⁵CIBC Aeroplan Visa Business Card primary cardholders, authorized users, and up to 8 other passengers travelling on the same reservation (up to a maximum of 9 travellers), are each entitled to a free first checked bag up to 23kg/50lbs. Benefit only applies when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Free first checked bag benefit is applicable only when the bag is checked in at the designated check-in counter, prior to security. Bags checked in at the gate are not eligible for this benefit. Benefit is not available if check-in is with another airline. If the first checked bag is already complimentary (for example, as a result of Aeroplan Elite Status or fare purchased), there is no additional checked bag benefit that will be provided. Free first checked bag benefit may not be applied retroactively and no refunds will be issued. Service charges for additional/oversized/overweight baggage may apply. For more information on baggage restrictions, visit Air Canada Baggage Information Guide.

⁶CIBC Aeroplan Visa Business Card primary cardholders are entitled to receive one (1) Air Canada Maple Leaf Lounge One-Time Guest Pass (each a “Guest Pass”) for every $10,000 in eligible net Purchases (which excludes any returns and credits, Cash Advances, Balance Transfers, CIBC Convenience Cheques, interest, fees and payments) charged to the CIBC Aeroplan Visa Business Card account within an account year (being each consecutive 12 month period following the CIBC Aeroplan Visa Business Card account open date) up to a maximum of 4 Guest Passes in an account year. All earned Guest Passes will be deposited in the primary cardholder's Aeroplan account approximately 7-14 calendar days following the account year. Each Guest Pass will expire 12 months from the date of issuance. One Guest Pass may be used for single admittance by the primary cardholder or authorized users or any guest(s) accompanying  any of them to access an eligible Air Canada Maple Leaf Lounge (as identified below) upon presentation of a Guest Pass, along with a same-day, confirmed ticket on a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Eligible Maple Leaf Lounges are limited to those Maple Leaf Lounges located in Canada and in the United States only and exclude International Maple Leaf Lounges located in the international departure zones of Canadian airports. Access also excludes Air Canada Signature Suites and lounges operated by third parties, such as the Star Alliance member airlines. Any guest entering a Maple Leaf Lounge using a Guest Pass must be accompanied by the eligible primary cardholder or authorized user. Anyone under the age of majority entering a Maple Leaf Lounge must be accompanied by an adult with access to the lounge. Age of majority is determined by the jurisdiction in which the Maple Leaf Lounge is located. Benefit may only be used as described, and otherwise cannot be transferred. Access is subject to space availability. An unused Guest Pass will automatically be cancelled if the CIBC Aeroplan credit card account is not in Good Standing, or if it is closed, regardless of reason for closure. An unused Guest Pass may no longer be available if the CIBC Aeroplan credit card product is changed to a different product. All Maple Leaf Lounges Terms and Conditions apply and can be reviewed at Maple Leaf Lounges Terms and Conditions.

⁷Primary Cardholders of a CIBC Core Credit card (CIBC Aeroplan® Visa Infinite* Card, CIBC Aeroplan® Visa* Business Card and CIBC Aeroplan® Visa* Business Plus Card) may qualify to enroll for Avis Preferred Plus status. Enrollment into the Avis Preferred Plus status is required via the Aeroplan form which is available on the Avis Preferred Status with Aeroplan page. The Avis Preferred Plus status will be in effect immediately but may take up to 7 business days after enrollment and acceptance by Avis to appear on your Avis Preferred® profile.

Authorized Users do not qualify for Avis Preferred Plus status unless they hold 25K, 35K or 50K status in the Aeroplan Elite™ Status Program. For full terms and conditions, visit Elevate your Avis Preferred status with Aeroplan.

⁸From time to time, primary Aeroplan credit cardholders can get access to preferred pricing, which means they can book flight rewards for even fewer points. The number of points required to book a flight reward is determined by several factors, including, but not limited to, holding an eligible Aeroplan-branded credit card, along with other rules as determined by Aeroplan in its sole discretion.

⁹Learn more at Aeroplan.

¹⁰Subject to availability. If there is a seat available for purchase in cash, it will be available in points. There are no blackout periods.

¹¹For full details please visit Aeroplan Program Terms and Conditions.

¹²For every $20,000 in net purchases (which excludes any returns and credits, Cash Advances, Balance Transfers, Convenience Cheques, fees, interest and payments charged to the credit card account, Primary Cardholders can receive 1,000 Status Qualifying Credits (SQC) up to a combined total maximum of 25,000 SQC per Aeroplan Member per calendar year for all SQC that may be awarded to that Aeroplan member in connection with any Aeroplan credit card held by that Aeroplan member, regardless of credit card issuer (the “Annual Credit Card Maximum”). SQC will be deposited to your Aeroplan member account at the end of the next credit card account billing period. Please allow up to 1 week after your credit card account statement date for the deposit to appear. Authorized User(s) are not eligible to receive SQC through this benefit; however, net purchases by Authorized Users will count towards the Primary Cardholder’s net purchases and correspondingly, SQC eligibility. SQC are not redeemable towards Aeroplan rewards and only count towards Aeroplan Elite Status qualification. SQC cannot be exchanged and do not count towards Million Mile status. Aeroplan reserves the right, at any time and at its sole discretion, to reverse, revoke or rescind SQC, Elite Status and associated benefits in the event of misuse of this benefit. The Annual Credit Card Maximum is tracked and maintained by Aeroplan. All Aeroplan Elite Status Conditions apply and can be reviewed at Aeroplan Elite Status Terms and Conditions.

¹³Your points will not expire provided that you are the primary cardholder of a CIBC Aeroplan credit card and your Aeroplan account is in good standing under the Aeroplan Terms and conditions.

For more information on Aeroplan's inactivity policy, please visit Air Canada: Keeping your Aeroplan account active.

¹⁴Aeroplan points displayed are estimated ranges for one-way or round trip travel, and are for informational purposes only. For travel in high-demand periods, such as a popular time to visit a destination or during a holiday period, the actual price in Aeroplan points might be higher. Aeroplan points required for itineraries combining both Air Canada and partner airline flights may vary. For flight rewards including travel with a partner airline, a partner booking fee will apply. Aeroplan points required for partner airline flight rewards are based on the actual distance flown between origin and destination. Taxes and third-party charges may apply. For full details please visit Aeroplan Program Terms and Conditions.

¹⁵The rewards calculator tool is only for general illustration purposes; your actual results may differ. Welcome Bonus applies only in the first year. Aeroplan points will be earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments, convenience cheques or Aeroplan point redemptions (as applicable). For the CIBC Aeroplan Visa Business Card and CIBC Aeroplan Visa Business Plus Card, bonus rate of 1.5 Aeroplan points on each $1.00 in purchases (net of and/or less returns) on travel, dining, shipping, cable, internet and phone services purchases and bonus rate of 2 Aeroplan points on each $1.00 in purchases (net of and/or less returns) on Air Canada purchases, are only available on the first $80,000 in net annual card purchases on the account (meaning all card purchases by all cardholders, at any type of merchant); after that net card purchases at travel, dining, shipping, cable, internet and phone services merchants or on Air Canada purchases will earn Aeroplan points at the regular rate of 1 Aeroplan point on each $1.00 in purchases (net of and/or less returns). For the CIBC Aeroplan Visa Infinite Privilege Card, bonus rate of 1.5 Aeroplan points on each $1.00 in purchases (net of and/or less return) on gas, grocery, travel and dining purchases and bonus rate of 2 Aeroplan points on each $1.00 in purchases (net of and/or less returns) on Air Canada purchases, are only available on the first $100,000 in net annual card purchases on the account (meaning all card purchases by all cardholders, at any type of merchant); after that net card purchases at gas, grocery, travel and dining merchants or on Air Canada purchases will earn Aeroplan points at the regular rate of 1.25 Aeroplan points on each $1.00 in purchases (net of and/or less returns). For the CIBC Aeroplan Visa Card, bonus rate of 1 Aeroplan point on each $1.00 in purchases on gas, grocery and Air Canada purchases is only available on the first $40,000 in net annual card purchases on the account (meaning all card purchases by all cardholders, at any type of merchant); after that net card purchases at gas and grocery merchants or on Air Canada purchases will earn Aeroplan points at the regular rate of 1 Aeroplan point on each $1.50 in purchases (net of and/or less returns). Bonus rate earned on Air Canada purchases made directly through an Air Canada channel will not earn bonus rate for travel purchases. Terms, conditions and eligible merchant categories may change at any time without notice.

For details about earning and redeeming rewards, the Welcome Bonus and other card benefits, including terms and conditions, review the benefit guides on CIBC Agreements and Insurance. For the full terms and conditions of the Aeroplan program, visit Aeroplan Program Terms and Conditions.

In case of a discrepancy between the redemption amount shown above and displayed on Air Canada Flight Rewards Chart, the redemption amount displayed on Air Canada Flight Rewards Chart shall apply. To review the chart, go to Aeroplan Flight Reward Chart (PDF, 475 KB). All information is valid at the time of publication and is subject to change.

¹⁶Insurance coverage(s) included with CIBC credit cards are underwritten by Belair Insurance Company Inc. You may contact the insurer at 1-866-363-3338 in Canada and the U.S. or collect from elsewhere at 905-403-3338 or visit cibc.client.insure. Different cards will have different coverage(s). To learn about which coverage(s) are included with a specific card, and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, review the Certificate(s) of Insurance in your card package and CIBC Agreements and Insurance. Some insurance coverage(s) require purchase(s), car rentals, common carrier fares, accommodations and other trip costs to be charged to the card, or be for business purposes, to activate coverage. Other conditions may also apply. Car Rental Collision/Loss Damage Insurance (CLDI) is available for a rental period of up to 48 days for rental vehicles with a MSRP of up to $85,000 CAD and not otherwise excluded from coverage. The full cost of the rental must be charged to the card and the rental agency’s Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) must be declined. CLDI provides coverage up to the actual cash value (ACV) of the rental vehicle as defined in your Certificate of Insurance. Note that some rental agencies may assess their damages at an amount greater than the ACV of the rental vehicle and you may be liable to them for the difference. Before declining the rental agency's CDW or LDW, you should read carefully and compare the terms of the rental agreement, the CLDI Certificate of Insurance in your card package and any other insurance you own to decide which coverage best meets your protection needs. Trip Cancellation and Trip Interruption Insurance may not cover certain health/medical conditions that are not stable before your trip. Certain coverages are “excess insurance” (all other sources of insurance and recovery must be exhausted before coverage is available).

¹⁷CIBC Travel Insurance is underwritten by member companies of The Co-operators, and is administered by TIC Travel Insurance Coordinators Ltd. No insurance is payable for any pre-existing condition unless you have applied and qualified for pre-existing condition coverage and received a Guarantee of Coverage from the insurer. A detailed summary of the terms, conditions, limitations, exclusions and other provisions are contained in the Certificate of Insurance, which you receive upon purchase.

All information is valid at the time of publication and is subject to change without notice.

Trademarks