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3.7
/5
CIBC
Visa
CIBC Aeroplan® Visa* CardPoints Calculator
Up to 10,000 Aeroplan® points
Our Take
The CIBC Aeroplan Visa Card is an excellent no-fee option for Aeroplan members who want to earn miles without an annual fee. Its solid earn rates on essential categories like gas and groceries make it easy to accumulate points quickly. The card also offers Preferred Pricing on Aeroplan redemptions, giving cardholders more value when they book flights with Air Canada. For someone looking for an entry-level Aeroplan card, this is a strong choice, especially with its generous welcome bonus.
Card Details
Interest Rates
Purchase: 20.99%
Cash Advance: 22.99%□
Balance Transfer: 22.99%
□ Cash advance rate for Quebec residents is 21.99%
Annual Fees
Main Card: $0
Additional Cards: $0 for first 3 cards
Welcome Bonus
Earn up to 10,000 Aeroplan points (up to $200 in travel value†):
- 2,500 Aeroplan points when you make your first purchase†.
- 2,500 Aeroplan points when you spend $1,500 or more during the first 4 monthly statements periods†.
- 5,000 Aeroplan points as an additional anniversary bonus when you have at least $10,000 in net purchases posted on your account during the first 12 monthly statement periods†.
Annual Income
Personal: N/A
Household: $15,000
Credit Score Estimate
300Poor
560Fair
660Good
725⁎Very Good
760⁎Excellent
Card Type
Credit
Our Rating
3.7/5
Institution
CIBC
How You Earn Rewards
- 1 Aeroplan® point per $1 spent on eligible gas, electric vehicle charging, groceries and with Air Canada directly, including through Air Canada Vacations®
- 1 Aeroplan® point per $1.50 spent (0.66 point per $1) on all other purchases
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
4 insurance
2 benefits
Insurance
Coverage
Common Carrier Travel Accident Insurance
$100,000
Purchase Protection
90 days
Extended Warranty
Up to 1 year
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Car Rental Damage & Theft
Up to $65k car MSRP
Benefits
Details
Discount
Primary cardholders can often book flight rewards for even fewer points
Extra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore
Pros & Cons
Pros
- No annual fee
- Solid Rewards
- Aeroplan flight preferred pricing
Cons
- Low reward rate
- Limited non-loyalty value
Legal
†You can qualify for this offer if you apply and are approved for a new CIBC Aeroplan® Visa* Card beginning April 7, 2026.
In order to be eligible for this offer, you must also abide by the terms and conditions set out in this footnote.
If you apply and are approved for a new CIBC Aeroplan® Visa* Card, you can earn:
i. A welcome bonus of 2,500 Aeroplan points. The 2,500 Aeroplan points will appear on your statement after you make your first purchase at any time with your card, if you are eligible.
ii. An additional bonus of 2,500 Aeroplan points if you have at least $1,500 in net purchases posted to your account during the first 4 monthly statement periods. The additional bonus of 2,500 Aeroplan points will be awarded (i) if the spend requirement is met and (ii) by the fifth monthly statement period.
iii. The anniversary bonus of 5,000 Aeroplan points will be awarded to you within 8 weeks after the one year account open date, provided you have at least $10,000 in net eligible purchases posted on your account during the first 12 monthly statement periods and your credit card account is open and in good standing. Additional cardholders are not eligible for this offer.
As set out in and subject to the Aeroplan Program General Terms and Conditions located at [aircanada.com/aeroplan-termsandconditions], 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.
Offer applies to newly approved card accounts only. Transfers and product changes from other CIBC credit cards are excluded from this offer.
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, CIBC Global Money Transfers™, 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. 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.
The up to $200 value is based on the total value of: the 10,000 Aeroplan points upon approval of your CIBC Aeroplan Visa Card are redeemed for a flight reward ($200), 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 on the Air Canada website. 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 online on the Air Canada website.
All offers are contingent on satisfying the criteria outlined in the offer terms and conditions.