Background pattern
CIBC Aeroplan® Visa Infinite Privilege* Card

3.2

/5

CIBC

Visa

CIBC Aeroplan® Visa Infinite Privilege* CardPoints Calculator

Up to 100,000 Aeroplan® points

Our Take

The CIBC Aeroplan Visa Infinite Privilege Card is ideal for frequent Air Canada flyers who want to maximize their Aeroplan points and enjoy premium travel perks. With 2 points per $1 spent on Air Canada purchases and free checked baggage on every flight, this card offers significant value for those who travel often. Additionally, the extensive travel insurance and unlimited Maple Leaf lounge access make it a solid choice for high-income individuals looking for convenience and protection during their travels. However, the high annual fee and income requirements mean it's best suited for those who can take full advantage of its Air Canada-specific benefits.





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: $599

Additional Cards: $149

Welcome Bonus


  • Earn up to 100,000 Aeroplan® points (up to $2,000 in travel value†):  
  • 10,000 Aeroplan points when you spend $1,000 or more during your first 2 monthly statement periods†
  • 40,000 Aeroplan points when you spend $5,000 or more during your first 4 monthly statement periods† 
  • 50,000 Aeroplan points as an additional anniversary bonus when you have at least $25,000 in net eligible purchases posted on your account during the first 12 monthly statement periods†

Enjoy a free first checked bag: a $140 value for 2 travellers for each round-trip flight, assuming you take one round-trip Air Canada flight in the first year†

Enjoy Maple Leaf Lounge™ access: a $590 value†

Elevate your airport experience with 6 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program1: up to $385 value†  

Plus, get a NEXUS™ Application Fee rebate2: a $160 value†

Annual Income


Personal: $150,000

Household: $200,000

Credit Score Estimate


300
Poor
560
Fair
660
Good
725⁎
Very Good
760⁎
Excellent
⁎Estimates based on Equifax scoring

Card Type


Credit

Reward Type


Type: Points

Loyalty Program: Aeroplan

Our Rating


3.2/5

Institution


CIBC

How You Earn Rewards


  • 2 Aeroplan® points per $1 spent on Air Canada and Air Canada Vacations if they are in the first $100k transactions of the year
  • 1.5 Aeroplan® points per $1 spent on gas, groceries, travel and dining if they are in the first $100k transactions of the year
  • 1.25 Aeroplan® point per $1 spent on all other purchases

Annual Rewards Breakdown




Annual Rewards Summary




Point Redemptions

Redemption Method

Net Value (After Annual Fee)




Insurance & Benefits

13 insurance
9 benefits

Insurance

Coverage

  • heart lock

    Common Carrier Travel Accident Insurance

    $500,000
  • travel accident medical

    Travel Medical Insurance (64 & under)

    31 days
  • travel accident medical

    Travel Medical Insurance (65 to 75)

    10 days
  • hourglass timer

    Flight Delay

    $1,000
  • hourglass timer

    Baggage Delay

    $1,000
  • cancel airplane

    Trip Cancellation

    $2,500
  • pause

    Trip Interruption

    $5,000
  • lost baggage

    Lost or Stolen Baggage

    $1,000
  • burglar

    Hotel Burglary Insurance

    $2,500
  • purchase protection

    Purchase Protection

    180 days
  • extended warranty

    Extended Warranty

    Up to 2 years
  • car insurance

    Car Rental Damage & Theft

    yes
  • mobile device insurance

    Mobile Device Insurance

    $1,500
  • Benefits

    Details

  • alcohol cheers

    Airport Lounge - Maple Leaf and AirCanada Cafes

    Access select Maple Leaf Lounges™ and Air Canada Cafés™, plus get 6 complimentary lounge visits per year per cardholder through Visa Airport Companion Program
  • gas station

    Gas Discount

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

    Car Rental Discount

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

    Visa Infinite Exclusive Benefits

    Exclusive offers
  • star fall

    Status lift

    Reach Aeroplan Elite™ Status sooner by earning Status Qualifying Miles and Status Qualifying Segments with purchases made on your account
  • star fall

    Status lift

    Complimentary upgrade to Avis® President's Club
  • airplane love

    Companion Voucher

    Receive an Annual Worldwide Companion Pass from $99 to a max of $599 (plus taxes, fees, charges and surcharges) when you spend $25,000 on your card
  • airport waiting room

    Priority Travel

    Priority Check-in, Priority Boarding and Priority Baggage Handling for you, your authorized users and up to 8 companions on the same flight
  • luggage

    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
  • Pros & Cons


    Pros

    • Solid optimization
    • Air Canada perks
    • Unlimited airport lounge access
    • Comprehensive insurance

    Cons

    • High annual fee
    • High income requirements
    • Limited reward value

    †You can qualify for this offer if you apply and are approved for a new CIBC Aeroplan® Visa Infinite Privilege* 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 Infinite Privilege* card, you can earn:

    i. 10,000 Aeroplan points when you spend $1,000 or more during your first 2 monthly statement periods. The 10,000 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.

    ii. 40,000 Aeroplan points when you spend $5,000 or more during your first 4 monthly statement periods. The 40,000 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. The anniversary bonus of 50,000 Aeroplan Points will be awarded to you within 8 weeks after the one year account open date, provided you have at least $25,000 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-termsandcondition], 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.

    Please ensure that you provide your personal Aeroplan number to be linked to your credit card as linking a different loyalty number will impact the airline benefit fulfillment.

    The up to $3,200 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); usage of the NEXUS statement benefit credit ($160).

    The yearly value of up to $385 CA (foreign exchange rate of 1.37 USD as of January 26, 2026) for Visa Airport Companion Program (hosted and managed by Dragonpass International Ltd. (“DragonPass”) is based on the comparable cost of direct enrolment for DragonPass membership ($99 US includes one free visit), and an additional five visits valued at $37 US each. The fees used for the calculation of yearly value are as of July 15, 2024 and may change from time to time. Unlimited Maple Leaf Lounge access in North America ($590 — assumes an average of 5 visits per year by a cardholder plus 1 accompanying guest per visit for 10 total visits per year at the average published entry rate of $59 per person per visit. Actual value received will be based on a cardholder's use of the Maple Leaf Lounge access benefit and accompanying guest access. Lounge access is subject to Air Canada Admittance Terms and Conditions) and the 100,000 Aeroplan points upon approval and required spend on your CIBC Aeroplan Visa Infinite Privilege Card are redeemed for a flight reward ($2,000), based on the majority of current Aeroplan cardholders receive a value of $0.02/points 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.