Side by Side Credit Cards Comparison

CIBC Aeroplan® Visa Infinite* CardVSAmerican Express® Aeroplan®* Card

Which one is better?


CIBC Aeroplan® Visa Infinite* Card

CIBC Aeroplan® Visa Infinite* Card


RECOMMENDED CREDIT SCORE*

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

American Express® Aeroplan®* Card

American Express® Aeroplan®* Card


RECOMMENDED CREDIT SCORE*

300
Poor
693
Fair
743⁎
Good
790⁎
Very Good
833⁎
Excellent
⁎Estimates based on TransUnion scoring

Welcome Bonus

Earn up to 50,000 Aeroplan points (up to $1,000 in travel value†): 

  • 10,000 Aeroplan points when you make your first purchase†.  
  • 15,000 Aeroplan points when you spend $6,000 or more during the first 6 monthly statements periods†.
  • 25,000 Aeroplan points as an additional anniversary bonus when you have at least $12,000 in net 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†. 

Plus, get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): up to $189 value†. 

Welcome Bonus

New American Express® Aeroplan®* Cardmembers can earn up to 45,000 Aeroplan points:

  • Earn 35,000 Aeroplan points after spending $7,500 in purchases on your Card within the first 6 months.
  • Plus, earn an additional 10,000 Aeroplan points when you spend $1,000 in purchases in month 13
  • You could earn up to $1,550 in value within your first 13 months. When you combine the Welcome Bonus offer of up to $900 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $515 in value, and the $140 in value you get from exceptional benefits, you can earn up to $1,550 or more in value within your first 13 months. Terms and usage assumptions apply.

Rewards Breakdown

Rewards breakdown is not available for this card.

Rewards Breakdown

Rewards breakdown is not available for this card.

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

How to Earn Rewards

  • Earn 2X the points on eligible purchases made directly with Air Canada®* and Air Canada vacations®*
  • Earn 1.5X the points on eligible Dining and Food Delivery purchases in Canada
  • Earn 1X the points on everything else

Insurance Included

  • hourglass timer

    Baggage Delay

    $500
  • car insurance

    Car Rental Damage & Theft

    yes
  • heart lock

    Common Carrier Travel Accident Insurance

    $500,000
  • extended warranty

    Extended Warranty

    Up to 1 year
  • purchase protection

    Purchase Protection

    90 days
  • burglar

    Hotel Burglary Insurance

    $2,500
  • hourglass timer

    Flight Delay

    $500

  • lost baggage

    Lost or Stolen Baggage

    $500
  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • travel accident medical

    Travel Medical Insurance (64 & under)

    15 days
  • travel accident medical

    Travel Medical Insurance (65 to 75)

    3 days
  • cancel airplane

    Trip Cancellation

    $1,500
  • pause

    Trip Interruption

    $2,000

Insurance Included

  • hourglass timer

    Baggage Delay

    $500 (Aggregated with Flight Delay)
  • car insurance

    Car Rental Damage & Theft

    $85K, up to 48 days
  • heart lock

    Common Carrier Travel Accident Insurance

    $500,000
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days, $1,000 per occurrence
  • burglar

    Hotel Burglary Insurance

    $500
  • hourglass timer

    Flight Delay

    $500 (Aggregated with Baggage Delay)

Extra Benefits

  • star fall

    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
  • 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
  • bed furniture

    Free Extra Night at Hotels

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

  • 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
  • gas station

    Gas Discount

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

    Discount

    Primary cardholders can often book flight rewards for even fewer points

Extra Benefits

  • star fall

    Status lift

    Get 1,000 Status Qualifying Credits (SQC) for every $20,000 in eligible net purchases charged to your Card, up to 25,000 SQC
  • luggage

    Free first checked bag

    Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights
  • bed furniture

    Free Extra Night at Hotels

    Receive an extra night free for every 3 hotel nights redeemed with Aeroplan points

  • reward cup

    Extra points

    Earn points twice at over 150 Aeroplan partner brands
  • Amex logo

    Amex Experiences™

    From music and movies, to specially curated dining and online shopping opportunities, stay connected with all that we have to offer from the comfort of your own home

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Balance Transfer:

22.99%

Interest Rates

Purchase:

30% Annual2

Cash Advance:

30% Annual2

2 As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges.

Annual Fee

$139

$0$

$0 first year

Annual Fee

$120⁕

⁕ Notice: As of Jan 12, 2027, the American Express® Aeroplan®* Card annual fee will increase to $150. Annual fees charged on or after this date will reflect the new fee. The Additional Aeroplan®* Card annual fee will increase to $59. The Additional Aeroplan®* No Fee Card will be renamed to the Additional Aeroplan®* Companion Card and the annual fee will increase to $25. Learn more about new benefits.

Income Required

Min Personal Income:

$60,000

Min Household Income:

$100,000

Income Required

Min Personal Income:

N/A

Min Household Income:

N/A

Loyalty Program

Loyalty Program

Point Redemption Options

  • flight plane

    Flights

    1.9¢ / point
  • car rental

    Car Rentals

    0.9¢ / point
  • travel - plane

    Travel

    0.825¢ / point
  • online shop

    Merchandise

    0.75¢ / point
  • gift card

    Gift Cards

    0.72¢ / point

Point Redemption Options

  • flight plane

    Flights

    1.9¢ / point
  • car rental

    Car Rentals

    0.9¢ / point
  • travel - plane

    Travel

    0.825¢ / point
  • online shop

    Merchandise

    0.75¢ / point
  • gift card

    Gift Cards

    0.72¢ / point

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.

Is this card worth it?

This card comes with the free checked bag benefit, which can save hundreds on a single trip for you and your family, more than making up for the annual fee of the card. In addition, the card helps you reach the next Aeroplan Status faster with spending on the card. However, if you don't have a specific use for these two benefits, there are many better cards in terms of benefits and rewards.

Pros

  • Generous welcome bonus
  • High reward rates
  • Air Canada perks
  • Aeroplan flight preferred pricing

Pros

  • Expedited status upgrades
  • Free first checked bags
  • Free extra hotel night
  • Instant decision. No credit impact.

Cons

  • Income requirements
  • Limited redemption value

Cons

  • Limited rewards
  • Weaker insurance coverage

Legal


†You can qualify for this offer if you apply and are approved for a new CIBC Aeroplan® Visa Infinite* 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* card, you 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. An additional bonus of 15,000 Aeroplan points if you have at least $6,000 in net purchases posted to your account during the first 6 monthly statement periods. The additional bonus of 15,000 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 25,000 Aeroplan points will be awarded to you within 8 weeks after the one year account open date, provided you have at least $12,000 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.

A one-time annual fee rebate for you (the primary cardholder) and up to three authorized users added at the time of the application. This offer does not apply to annual fees for authorized users that are added after you submit your application. This offer applies for the first year only. If your application for an eligible card is not approved, you may be considered for another card (as disclosed in your credit card application). If you are approved for that card, this annual fee rebate offer will apply in the amount of the annual fee, if any, of the alternate card. If you qualify, the rebate will be awarded to you and will appear as a credit against the applicable annual fee(s) within two statements. Your new credit card account must be open and in Good Standing at the time the rebate is awarded.

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 $1,300 value is based on the combined total value of: The annual fee rebate for the first year ($139), plus one additional cardholder ($50); free first checked bags for two people, on a round-trip in the first year ($140), and the 45,000 Aeroplan points upon approval and required spend on your CIBC Aeroplan Visa Infinite Card are redeemed for a flight reward ($800), 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.

*Terms and conditions apply.


As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges.


American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.