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Side by Side Credit Cards Comparison
TD® Aeroplan® Visa Infinite Privilege* Credit CardVSCIBC Aeroplan® Visa Infinite Privilege* Card
Which one is better?
TD® Aeroplan® Visa Infinite Privilege* Credit Card
4.3
RECOMMENDED CREDIT SCORE*
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
CIBC Aeroplan® Visa Infinite Privilege* Card
3.2
RECOMMENDED CREDIT SCORE*
300Poor
560Fair
660Good
725⁎Very Good
760⁎Excellent
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Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.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 100,000 Aeroplan® points (up to $2,000 in travel value†):
- 10,000 Aeroplan points when you spend $1,000 or more during your first 2 monthly statement periods†
- 40,000 Aeroplan points when you spend $5,000 or more during your first 4 monthly statement periods†
- 50,000 Aeroplan points as an additional anniversary bonus when you have at least $25,000 in net eligible 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†
Enjoy Maple Leaf Lounge™ access: a $590 value†
Elevate your airport experience with 6 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program1: up to $385 value†
Plus, get a NEXUS™ Application Fee rebate2: a $160 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
- 2 Aeroplan® points per $1 spent on Air Canada and Air Canada Vacations if they are in the first $100k transactions of the year
- 1.5 Aeroplan® points per $1 spent on gas, groceries, travel and dining if they are in the first $100k transactions of the year
- 1.25 Aeroplan® point per $1 spent on all other purchases
Insurance Included
Lost or Stolen Baggage†
$2,500/person
Baggage Delay†
$1,000/person after 4 hours.svg)
Car Rental Damage & Theft†
48 days
Common Carrier Travel Accident Insurance†
$500,000
Mobile Device Insurance†
$1,500
Extended Warranty†
2 years
Purchase Protection†
120 days
Hotel Burglary Insurance†
$2,500
Travel Medical Insurance (64 & under)†
31 daysTravel Medical Insurance (65 to 75)†
4 days
Trip Cancellation†
$2,500/person, $5,000/trip
Trip Interruption†
$5,000/person, $25,000/tripFlight Delay†
$1,000/person after 4 hours
Insurance Included
Lost or Stolen Baggage
$1,000Baggage Delay
$1,000Car Rental Damage & Theft
yesCommon Carrier Travel Accident Insurance
$500,000Mobile Device Insurance
$1,500Extended Warranty
Up to 2 yearsPurchase Protection
180 daysHotel Burglary Insurance
$2,500Travel Medical Insurance (64 & under)
31 daysTravel Medical Insurance (65 to 75)
10 daysTrip Cancellation
$2,500Trip Interruption
$5,000Flight Delay
$1,000
Extra Benefits
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Visa Infinite Exclusive Benefits†
Companion Voucher†
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card.svg)
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 purchasesStatus lift†
Complimentary upgrade to Avis® President's ClubStatus 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.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.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..svg)
Free first checked bag†
First checked bag is free for primary cardholder on AirCanada flight and up to 8 guests
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.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)
Airport Lounge - Maple Leaf and AirCanada Cafes†
Unlimited Access for you and one guestAirport Lounge - Dragon Pass†
6 Free complimentary visits
Trip and legal Assistance†
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Concierge Services†
Extra points†
Link your eligible Card to earn 50% more Aeroplan points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.Extra points†
Earn points twice at over 150 Aeroplan partner brands and over 200 online retailers through the Aeroplan eStoreExtra 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
Nexus Program Rebate†
up to $100 every 4 years
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
Extra Benefits
Car Rental Discount
Get up to 25% off auto rentals at participating Avis and Budget locations worldwide.Visa Infinite Exclusive Benefits
Exclusive offersCompanion Voucher
Receive an Annual Worldwide Companion Pass from $99 to a max of $599 (plus taxes, fees, charges and surcharges) when you spend $25,000 on your cardStatus lift
Reach Aeroplan Elite™ Status sooner by earning Status Qualifying Miles and Status Qualifying Segments with purchases made on your accountStatus lift
Complimentary upgrade to Avis® President's ClubFree first checked bag
Enjoy a free first checked bag for you, authorized users and up to 8 companions every time you fly with Air CanadaPriority Travel
Priority Check-in, Priority Boarding and Priority Baggage Handling for you, your authorized users and up to 8 companions on the same flightAirport Lounge - Maple Leaf and AirCanada Cafes
Access select Maple Leaf Lounges™ and Air Canada Cafés™, plus get 6 complimentary lounge visits per year per cardholder through Visa Airport Companion Program.svg)
Gas Discount
save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations
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
$599
Income Required
Min Personal Income:
$150,000
Min Household Income:
$200,000
Income Required
Min Personal Income:
$150,000
Min Household Income:
$200,000
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
Flights
1.9¢ / pointCar Rentals
0.9¢ / pointTravel
0.825¢ / pointMerchandise
0.75¢ / pointGift 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 Privilege Card is ideal for frequent Air Canada flyers who want to maximize their Aeroplan points and enjoy premium travel perks. With 2 points per $1 spent on Air Canada purchases and free checked baggage on every flight, this card offers significant value for those who travel often. Additionally, the extensive travel insurance and unlimited Maple Leaf lounge access make it a solid choice for high-income individuals looking for convenience and protection during their travels. However, the high annual fee and income requirements mean it's best suited for those who can take full advantage of its Air Canada-specific benefits.
Pros
- Elite Air Canada experience
- High insurance coverage
- Luxury perks
- Generous intro offer
Pros
- Solid optimization
- Air Canada perks
- Unlimited airport lounge access
- Comprehensive insurance
Cons
- Low reward rates
- Limited airline flexibility
- High annual fee
- Limiting airport lounge brand
Cons
- High annual fee
- High income requirements
- Limited reward value
vs American Express® Aeroplan®* Reserve Card
vs TD Rewards Visa* Card
vs TD® Aeroplan® Visa Platinum* Card
vs TD Aeroplan® Visa Infinite* Card
vs TD Platinum Travel Visa* Card
vs TD Low Rate Visa* Credit Card
vs TD Cash Back Visa Infinite* Card
vs TD Cash Back Visa* Card
vs TD First Class Travel® Visa Infinite* Card
vs Scotia Momentum® Visa Infinite +* Card
vs MBNA Rewards World Elite® Mastercard®
vs American Express Gold Rewards Card®
vs Rogers Red World Elite® Mastercard
vs Scotiabank Passport® Visa Infinite +* Card
vs American Express Cobalt® Card
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 Privilege* 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 Privilege* card, you can earn:
i. 10,000 Aeroplan points when you spend $1,000 or more during your first 2 monthly statement periods. The 10,000 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.
ii. 40,000 Aeroplan points when you spend $5,000 or more during your first 4 monthly statement periods. The 40,000 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 50,000 Aeroplan Points will be awarded to you within 8 weeks after the one year account open date, provided you have at least $25,000 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-termsandcondition], 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.
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 $3,200 value is based on the combined total value of: Free first checked bags for two people, on a round-trip in the first year ($140); usage of the NEXUS statement benefit credit ($160).
The yearly value of up to $385 CA (foreign exchange rate of 1.37 USD as of January 26, 2026) for Visa Airport Companion Program (hosted and managed by Dragonpass International Ltd. (“DragonPass”) is based on the comparable cost of direct enrolment for DragonPass membership ($99 US includes one free visit), and an additional five visits valued at $37 US each. The fees used for the calculation of yearly value are as of July 15, 2024 and may change from time to time. Unlimited Maple Leaf Lounge access in North America ($590 — assumes an average of 5 visits per year by a cardholder plus 1 accompanying guest per visit for 10 total visits per year at the average published entry rate of $59 per person per visit. Actual value received will be based on a cardholder's use of the Maple Leaf Lounge access benefit and accompanying guest access. Lounge access is subject to Air Canada Admittance Terms and Conditions) and the 100,000 Aeroplan points upon approval and required spend on your CIBC Aeroplan Visa Infinite Privilege Card are redeemed for a flight reward ($2,000), based on the majority of current Aeroplan cardholders receive a value of $0.02/points 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.