Rogers Red World Elite® Mastercard vs CIBC Aeroplan® Visa Infinite* Card

Which one is better? Both cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.

Rogers Red World Elite Mastercard

4.5

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CIBC Aeroplan® Visa Infinite* Card

3.3

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Welcome bonus

Each offer as the issuer words it. The numbers below show whether your spending reaches it.

The offer

The offer

Bank may have varied Welcome Bonus offers from time to time. Visit their compare cards page to learn more.

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†. 

What each card is worth

Rewards, the welcome bonus and any Finly rebate in, the annual fee and FX fees out, all on your spending.

Worked out on a typical $2,000 a month of spending. Enter yours to see your own numbers.

$360

First-year value

$1,539

$360

Every year after

$355

CIBC Aeroplan Visa Infinite is worth $1,179 more to you in year one.

From year two, Rogers Red World Elite pulls ahead by $5 a year.

How the first year adds up

Rogers

Rogers Red World Elite

Rogers, Fido, Shaw or Comwave customer?

Eligible customers unlock boosted rewards on this card

+$120

Annual rewards

$360

cash back a year

Welcome bonus

+ $0

no welcome offer

Annual fee

− $0

no annual fee

First-year value

$360

Annual rewards

$494.3

26,016 points a year

Welcome bonus

+ $1,045

first year only

Annual fee

$139− $0

$139 from year two

First-year value

$1,539.3

1.9¢ a pointAeroplan, redeemed for Flights

Where each card earns

A year of your spending at each card's own reward rates, most first.

1.5%All other purchases

$360

1.5xGroceries, Gas and Air Canada

8,172 pts

$155.27

1xAll other purchases

17,844 pts

$339.04

Fees, rates and eligibility

What each card costs to hold and to use abroad, and who it's for.

$0Better of the two

Annual fee

$139
$0 the first year
$0

Additional cards

$50 (first year waived up to 3)

Interest rates

Interest rates

Purchase:

21.99% - 25.99%1

Cash Advance:

22.99% - 27.99%1

Balance Transfer:

22.99% - 27.99%1

1 Standard rate on Purchases and Fees: 21.99%. Standard rate on Cash Advances, Cash-like Transactions and Balance Transfers: 22.99%. If you are not approved for an Account at the above rates and you reside outside Quebec, Rogers Bank may still issue you an Account at their alternate interest rates, as follows: Rate for Purchases and Fees: 25.99% Rate for Cash Advances, Cash-like Transactions and Balance Transfers: 27.99%.

Purchase:

20.99%

Cash Advance:

22.99%

Balance Transfer:

22.99%

Recommended credit score

Recommended credit score

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

Income required

Income required

Min Personal Income:

$80,000

Min Household Income:

$150,000

Min Personal Income:

$60,000

Min Household Income:

$100,000

How each card earns

The earn rates and caps, as each issuer sets them.

  • Earn 2% cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido, Shaw or Comwave. Otherwise, earn 1.5% cash back on eligible non-U.S. dollar purchases.
  • Plus, earn up to 3% cash back on eligible U.S. dollar purchases. 
  • 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

Points and how we value them

Points become dollars at each card's best redemption. Here's the value we used, and every other way to spend them.

Loyalty program

Loyalty program

Cash back: every dollar it earns counts as a dollar, so there's nothing to convert.

We count each point at 1.9¢ a point, what it's worth redeemed for Flights, its best value. Every dollar figure above uses that value.

Point redemption options

Point redemption options

Nothing to redeem: it pays cash back.

  • Most Optimal

    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

Insurance and perks

What both cards include comes first in each list.

Insurance

Insurance

  • car insurance

    Car Rental Damage & Theft

    31 days, $65,000 car MSRP
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days
  • travel accident medical

    Travel Medical Insurance (64 & under)

    Up to 10 days
  • travel accident medical

    Travel Medical Insurance (65 to 75)

    Up to 3 days
  • cancel airplane

    Trip Cancellation

    $1,000/person, $5,000 maximum
  • pause

    Trip Interruption

    $1,000/person, $5,000 maximum
  • car insurance

    Car Rental Damage & Theft

    yes
  • extended warranty

    Extended Warranty

    Up to 1 year
  • purchase protection

    Purchase Protection

    90 days
  • 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

  • lost baggage

    Lost or Stolen Baggage

    $500
  • hourglass timer

    Baggage Delay

    $500
  • heart lock

    Common Carrier Travel Accident Insurance

    $500,000
  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • burglar

    Hotel Burglary Insurance

    $2,500
  • hourglass timer

    Flight Delay

    $500

Perks

Perks

  • alcohol cheers

    Airport Lounge - Dragon Pass

    Discounted access to over 1300 airport lounges with Mastercard Travel Pass. Pass only, complimentary visits not included.
  • mobile phone wifi

    Roam Like Home Days

    Get 5 Roam Like Home days at no cost, every year, with an eligible Rogers mobile plan.
  • 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
  • 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

Our take

Why we like it

Why we like it

This card is one of the best in Canada, especially if you have 1 qualifying service with Rogers, Fido, Shaw or Comwave. With a qualifying service, you can effectively receive up to 2% cashback rate, which competitive against other no-fee contenders. Additionally, for a no-fee card, you gain access to an extensive list of travel benefits, many of which are typically offered only with cards that have annual fees. Therefore, we recommend this card to anyone who meets the income requirements, even if you are not a Rogers customer!

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.

Pros

Pros

  • Top no-fee contender
  • Member earning boosts
  • USD optimization
  • Comprehensive coverage
  • Airport lounge membership
  • Roam Like Home days
  • Generous welcome bonus
  • High reward rates
  • Air Canada perks
  • Aeroplan flight preferred pricing

Cons

Cons

  • High income requirements
  • Annual spending caps
  • Income requirements
  • Limited redemption value

More comparisons

Other cards we've put each of these up against.

Legal


Rogers Bank is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information and applicable terms and conditions, visit Rogersbank.com. ®/TM Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated. Used under License. TM Rogers and Mobius Design, Rogers Bank and related marks, logos and brand names are trademarks of Rogers Communications Inc., or an affiliate, used under license. © 2026 Rogers Bank. Rogers Bank is the issuer of this credit card.

†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.