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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
300Poor
560Fair
660Good
725⁎Very Good
760⁎Excellent
Card Type
Credit
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
Common Carrier Travel Accident Insurance
$500,000
Travel Medical Insurance (64 & under)
31 days
Travel Medical Insurance (65 to 75)
10 days
Flight Delay
$1,000
Baggage Delay
$1,000
Trip Cancellation
$2,500
Trip Interruption
$5,000
Lost or Stolen Baggage
$1,000
Hotel Burglary Insurance
$2,500
Purchase Protection
180 days
Extended Warranty
Up to 2 years
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Car Rental Damage & Theft
yes
Mobile Device Insurance
$1,500
Benefits
Details
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
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Gas Discount
save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations
Car Rental Discount
Get up to 25% off auto rentals at participating Avis and Budget locations worldwide.
Visa Infinite Exclusive Benefits
Exclusive offers
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Status lift
Reach Aeroplan Elite™ Status sooner by earning Status Qualifying Miles and Status Qualifying Segments with purchases made on your account
Status lift
Complimentary upgrade to Avis® President's Club
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
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
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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
Legal
†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.