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Side by Side Credit Cards Comparison
CIBC AeroplanĀ® Visa Infinite* CardVSAmerican Express Platinum CardĀ®
Which one is better?
CIBC AeroplanĀ® Visa Infinite* Card
3.3
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660Good
725āVery Good
760āExcellent
American Express Platinum CardĀ®
4.6
RECOMMENDED CREDIT SCORE*
300Poor
693Fair
743āGood
790āVery Good
833āExcellent
Welcome Bonus
- 10,000 Aeroplan points when you make your first purchase.
- 20,000 Aeroplan points when you spend $6,000 or more during the first 6 statements periods.
- 20,000 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.
Welcome Bonus
- Earn up to 100,000 Membership RewardsĀ® points - thatās up to $1,000 towards a weekend away
- New PlatinumĀ® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
- Plus, earn 30,000 points when you make a purchase between 15 and 17 months of Cardmembership
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 AeroplanĀ® points per $1 spent on eligible gas, electric vehicle charging, groceries and with Air Canada directly, including through Air Canada VacationsĀ®
- 1 AeroplanĀ® point per $1 spent on all other purchases
How to Earn Rewards
- 2x points per $1 spent on eligible dining & food delivery purchases (restaurant, fast food, coffee shop, food delivery)
- 2x points per $1 spent on eligible travel purchases (flights, hotels, tours and more)
- 1x point per $1 spent for all other purchases
Insurance Included
Lost or Stolen Baggage
$500
Baggage Delay
$500.svg)
Car Rental Damage & Theft
yes
Common Carrier Travel Accident Insurance
$500,000
Extended Warranty
Up to 1 year
Purchase Protection
90 days
Hotel Burglary Insurance
$2,500
Travel Medical Insurance (64 & under)
15 days
Trip Cancellation
$1,500
Trip Interruption
$2,000Flight Delay
$500
Mobile Device Insurance
$1,000Travel Medical Insurance (65 to 75)
3 days
Insurance Included
Lost or Stolen Baggage
$1,000Baggage Delay
$1,000Car Rental Damage & Theft
YesCommon Carrier Travel Accident Insurance
$500,000Extended Warranty
1 yearPurchase Protection
120 daysHotel Burglary Insurance
$1000Travel Medical Insurance (64 & under)
15 daysTrip Cancellation
$2,500Trip Interruption
$2,500Flight Delay
$1,000
Extra Benefits
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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
Car Rental Discount
Get up to 25% off auto rentals at participating Avis and Budget locations worldwide.
Visa Infinite Exclusive Benefits
Exclusive offers.svg)
Gas Discount
save up to 10Ā¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations
Discount
Primary cardholders can often book flight rewards for even fewer points.svg)
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
Free Extra Night at Hotels
Extra night free for every 3 hotel nights redeemed with Aeroplan points
Extra Benefits
Status lift
Upgrade to Hilton Honors Gold StatusStatus lift
Upgrade to Marriott BonvoyTM Gold Elite status
Trip and legal Assistance
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Concierge Services
American ExpressĀ® Experiences
Extra points
Earn 2 points on Amex Travel Online purchases and extra points on American Express offers.svg)
Travel Credit
$200
Dining Credit
$200 at Select Restaurants
Nexus Program Rebate
$100 statement credit every 4 years
Airport Lounge - American Express Global Lounge
Take full advantage of The American Express Global Lounge CollectionTM which unlocks access to over 1,400 airport lounges worldwide. This includes The CenturionĀ® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience. Terms and Conditions apply
Complimentary Hotel Benefits
Enjoy complimentary benefits that offer an average value of $550 USD at over 1,600 extraordinary properties worldwide when you book Fine Hotels + Resorts
Priority Travel
At Toronto Pearson Airport get Priority Security lane, Complimentary valet and 15% discount at the Express Park and daily park
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates
Purchase:
21.99% - 30%2
Cash Advance:
N/A2
2 This Charge Card requires full payment of the Due in Full balance each month, with a 30% interest rate on late payments. The Flexible Payment Option balance has a 21.99% interest rate, which increases to 25.99% after two missed payments and 29.99% after three or more within 12 months. A 21-day interest-free grace period applies to new transactions if the full balance is paid by the due date.
Annual Fee
$139
$0$
First Year Rebated
Annual Fee
$799
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
Merchandise
0.75Ā¢ / point
Gift Cards
0.72Ā¢ / point
Flights
1.9Ā¢ / pointCar Rentals
0.9Ā¢ / point
Travel
0.825Ā¢ / point
Point Redemption Options
Gift Cards
0.91Ā¢ / pointMerchandise
0.63Ā¢ / pointMost Optimal
AeroplanĀ® Flights
1.9Ā¢ / point
Transfer to Airline Partners
1.6Ā¢ / pointFixed Point Travel Program
1.16Ā¢ / pointTransfer to Hotel Partners
1.16Ā¢ / point
Statement Credits (Cash)
1Ā¢ / point
Amazon.ca
0.7Ā¢ / 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?
If you're a frequent traveler, the Platinum card is an excellent choice. It's highly recommended for its extensive travel benefits, including unlimited lounge access for you and a guest at the American Express Lounge collection, making it the best card for lounge access in Canada. The card also offers unique perks not commonly found with other Canadian cards, such as status upgrades at Marriott Bonvoy and Hilton, dining and travel credits, concierge service, airport benefits, Nexus application reimbursement, and more. These benefits can more than offset the annual fee. However, if you don't travel often or are mainly looking for a card that maximizes rewards, this card may not be the best option for you.
Pros
- Generous welcome bonus
- High reward rates
- Air Canada perks
- Aeroplan flight preferred pricing
Pros
- Most premium perks
- Dining and travel credits
- Unlimited airport lounge access
- Multiple redemption options
- Comprehensive coverage
- Luxurious metal card
- Instant decision. No credit impact.
Cons
- Income requirements
- Limited redemption value
Cons
- High annual fee
- Limited acceptance
- Benefit limitations
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Legal
*Terms and conditions apply.
This Charge Card requires full payment of the Due in Full balance each month, with a 30% interest rate on late payments. The Flexible Payment Option balance has a 21.99% interest rate, which increases to 25.99% after two missed payments and 29.99% after three or more within 12 months. A 21-day interest-free grace period applies to new transactions if the full balance is paid by the due date.
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.