Side by Side Credit Cards Comparison

TD® Aeroplan® Visa Infinite Privilege* Credit CardVSCIBC Aeroplan® Visa Infinite* Card

Which one is better?


TD® Aeroplan® Visa Infinite Privilege* Credit Card

TD® Aeroplan® Visa Infinite Privilege* Credit Card


RECOMMENDED CREDIT SCORE*

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

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

Welcome Bonus

Up to $3,300 in value† including up to 100,000 Aeroplan points† and additional travel benefits could be yours. Conditions Apply. 

  • Earn a welcome bonus of 20,000 Aeroplan points when you make your first Purchase with your new Card† 
  • Earn an additional 30,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†
  • Plus, earn a one-time anniversary bonus of 50,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†

Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.


Additional Travel Benefits:

  • Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD per eligible cardholder) †.
  • Share free first checked bags for you and up to 8 travel companions† and get unlimited access to Maple Leaf Lounges† including complementary access for one guest.
  • Plus, cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†

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†. 

Rewards Breakdown

Rewards breakdown is not available for this card.

Rewards Breakdown

Rewards breakdown is not available for this card.

How to Earn Rewards

  • Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®)
  • Earn 1.5 points† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
  • Earn 1.25 points† for every $1 spent on all other purchases made with your Card
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
  • Earn more at Starbucks: Link your eligible Card to earn 50% more Aeroplan points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.   

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

Insurance Included

  • lost baggage

    Lost or Stolen Baggage†

    $2,500/person
  • hourglass timer

    Baggage Delay†

    $1,000/person after 4 hours
  • car insurance

    Car Rental Damage & Theft†

    48 days
  • heart lock

    Common Carrier Travel Accident Insurance†

    $500,000
  • mobile device insurance

    Mobile Device Insurance†

    $1,500
  • extended warranty

    Extended Warranty†

    2 years
  • purchase protection

    Purchase Protection†

    120 days
  • burglar

    Hotel Burglary Insurance†

    $2,500
  • travel accident medical

    Travel Medical Insurance (64 & under)†

    31 days
  • travel accident medical

    Travel Medical Insurance (65 to 75)†

    4 days
  • cancel airplane

    Trip Cancellation†

    $2,500/person, $5,000/trip
  • pause

    Trip Interruption†

    $5,000/person, $25,000/trip
  • hourglass timer

    Flight Delay†

    $1,000/person after 4 hours

Insurance Included

  • lost baggage

    Lost or Stolen Baggage

    $500
  • hourglass timer

    Baggage Delay

    $500
  • car insurance

    Car Rental Damage & Theft

    yes
  • heart lock

    Common Carrier Travel Accident Insurance

    $500,000
  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • extended warranty

    Extended Warranty

    Up to 1 year
  • purchase protection

    Purchase Protection

    90 days
  • burglar

    Hotel Burglary Insurance

    $2,500
  • 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
  • hourglass timer

    Flight Delay

    $500

Extra Benefits

  • car rental

    Car Rental Discount†

    10% off base rate of Avis Rent A Car and Budget Rent A Car
  • exclusive

    Visa Infinite Exclusive Benefits†

  • star fall

    Status lift†

    Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchases
  • star fall

    Status lift†

    Complimentary upgrade to Avis® President's Club
  • star fall

    Status lift†

    Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.
  • star fall

    Status lift†

    Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.
  • star fall

    Status lift†

    Diamond Status with Visa RSVP Rewards™ Benefit. Benefits at 60+ participating Sandman, Sandman Signature and Sutton Place Hotels from coast-to-coast in Canada and beyond.
  • luggage

    Free first checked bag†

    First checked bag is free for primary cardholder on AirCanada flight and up to 8 guests

  • alcohol cheers

    Airport Lounge - Dragon Pass†

    6 Free complimentary visits
  • gavel

    Trip and legal Assistance†

  • concierge

    Concierge Services†

  • airplane love

    Companion Voucher†

    Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card
  • reward cup

    Extra points†

    Link your eligible Card to earn 50% more Aeroplan points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.   
  • reward cup

    Extra points†

    Earn points twice at over 150 Aeroplan partner brands and over 200 online retailers through the Aeroplan eStore
  • reward cup

    Extra points†

    Earn 2 Aeroplan points for every $1 you spend on eligible purchases with Rocky Mountaineer, Plus, cardholders could receive a GoldLeaf Upgrade, and a hotel room upgrade
  • border guard

    Nexus Program Rebate†

    up to $100 every 4 years
  • airport waiting room

    Priority Travel†

    At Toronto, Vancouver, Ottawa and Montreal airports get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking.
  • airport waiting room

    Priority Travel†

    Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)
  • golf clubs

    Golf Benefit†

    Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S
  • alcohol cheers

    Airport Lounge - Maple Leaf and AirCanada Cafes†

    Unlimited Access for you and one guest

Extra Benefits

  • 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
  • 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

  • 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
  • bed furniture

    Free Extra Night at Hotels

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

Interest Rates

Purchase:

21.99%

Cash Advance:

22.99%

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Balance Transfer:

22.99%

Annual Fee

$599

Annual Fee

$139

$0$

$0 first year

Income Required

Min Personal Income:

$150,000

Min Household Income:

$200,000

Income Required

Min Personal Income:

$60,000

Min Household Income:

$100,000

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?

If you travel a lot throughout the year with Air Canada, the benefits of this card can significantly enhance your experience. It can help you achieve the next status level with Aeroplan and provide a better airport experience, therefore it can be worth the price tag. However, if you don't frequently fly with Air Canada, the benefits may not justify the card's expensive price tag.

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.

Pros

  • Elite Air Canada experience
  • High insurance coverage
  • Luxury perks
  • Generous intro offer

Pros

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

Cons

  • Low reward rates
  • Limited airline flexibility
  • High annual fee
  • Limiting airport lounge brand

Cons

  • Income requirements
  • Limited redemption value

Legal


†Terms and conditions apply.

Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on this TD credit card, please click the Apply Now button.

†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.