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Side by Side Credit Cards Comparison
CIBC Aeroplan® Visa Infinite* CardVSSimplyCash® Card from American Express
Which one is better?
CIBC Aeroplan® Visa Infinite* Card
3.3
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660Good
725⁎Very Good
760⁎Excellent
SimplyCash® Card from American Express
3.8
RECOMMENDED CREDIT SCORE*
300Poor
693Fair
743⁎Good
790⁎Very Good
833⁎Excellent
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
In your first 3 months as a new SimplyCash® Card from American Express Cardmember, you can earn a bonus 5% cash back on all purchases (up to $2,000 in purchases). That’s on top of your everyday cash back earn rates. That’s up to $100 in bonus cash back.
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
- 2% cash back on eligible gas and grocery purchases in Canada (up to $300 cash back annually)
- 1.25% cash back on all other eligible purchases
Insurance Included
Common Carrier Travel Accident Insurance
$500,000
Extended Warranty
Up to 1 year
Purchase Protection
90 days
Lost or Stolen Baggage
$500
Baggage Delay
$500.svg)
Car Rental Damage & Theft
yes
Mobile Device Insurance
$1,000
Hotel Burglary Insurance
$2,500
Travel Medical Insurance (64 & under)
15 daysTravel Medical Insurance (65 to 75)
3 days
Trip Cancellation
$1,500
Trip Interruption
$2,000Flight Delay
$500
Insurance Included
Common Carrier Travel Accident Insurance
Up to $100,000Extended Warranty
1 yearPurchase Protection
90 days or theft up to $1,000 per occurrence
Extra Benefits
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 10¢/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)
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.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
Amex Experiences™
Access events and special offers curated for Cardmembers with Amex Experiences™
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates
Purchase:
21.99%2
Cash Advance:
21.99%2
2 If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
Annual Fee
$139
$0$
First Year Rebated
Annual Fee
$0
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
N/A
Point Redemption Options
Flights
1.9¢ / pointCar Rentals
0.9¢ / point
Travel
0.825¢ / point
Merchandise
0.75¢ / point
Gift Cards
0.72¢ / point
Point Redemption Options
Not Applicable
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?
The SimplyCash® Card from American Express stands out for its no annual fee and strong cash-back earning potential, offering up to $100 in statement credits within the first 10 months. What makes it even more appealing are the unique perks, such as early access to concert tickets and extra layers of security for online shopping. These extra benefits, along with the affordability, make it a strong contender for those looking for a reliable cash-back card with no annual fee. It's an excellent choice for everyday spending while still enjoying exclusive Amex advantages.
Pros
- Generous welcome bonus
- High reward rates
- Air Canada perks
- Aeroplan flight preferred pricing
Pros
- No annual fee
- Attractive cashback rates
- Exclusive Amex perks
- Instant decision. No credit impact.
Cons
- Income requirements
- Limited redemption value
Cons
- Annual cashback cap
- Limited insurance
- Lower acceptance
vs American Express® Aeroplan®* Reserve Card
vs American Express® Aeroplan®* Card
vs CIBC Costco Mastercard
vs SimplyCash™ Preferred Card from American Express
vs Simplii Financial™ Cash Back Visa* Card
vs American Express Gold Rewards Card®
vs Rogers Red World Elite® Mastercard
vs Scotiabank Passport® Visa Infinite* Card
vs Scotiabank Gold American Express® Card
vs TD Aeroplan® Visa Infinite* Card
vs American Express Cobalt® Card
vs Marriott Bonvoy® American Express®* Card
vs American Express Platinum Card®
vs American Express® Aeroplan®* Reserve Card
vs American Express® Aeroplan®* Card
vs Scotia Momentum® Visa* Card
vs CIBC Costco Mastercard
vs BMO CashBack® World Elite® Mastercard®
vs Tangerine Money-Back Mastercard
vs Amazon.ca Rewards Mastercard®
vs SimplyCash™ Preferred Card from American Express
vs MBNA Rewards World Elite® Mastercard®
vs American Express® Green Card
vs Simplii Financial™ Cash Back Visa* Card
vs American Express Gold Rewards Card®
vs Rogers Red World Elite® Mastercard
vs Scotiabank Passport® Visa Infinite* Card
vs Scotiabank Gold American Express® Card
vs Rogers Red Mastercard
vs American Express Cobalt® Card
Legal
*Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
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.