🇨🇦 CIBC Aeroplan Visa Infinite Privilege Card

Highlights

• Earn 2x Aeroplan points on purchases billed directly to Air Canada, on Air Canada Vacations, and at participating Hyatt hotels and resorts
• Primary and supplementary cardmembers get a free first checked bag, priority airport services, and Maple Leaf Lounge / Air Canada Café access on eligible Air Canada flights
• Each cardmember gets 6 complimentary Visa Airport Companion Program lounge visits per membership year
• Travel medical, trip cancellation and interruption, rental-car, flight and baggage, hotel burglary, purchase, and mobile-device insurance

Issuer: CIBC
Payment network: Visa
Type: Credit card
Annual fee: $599; supplementary cards: $149 each, up to 9
Foreign transaction fee: Yes

This is a premium Canadian travel card whose rewards are Aeroplan points.

A CIBC SmartPlus Account can rebate the annual fee.

Further reading: 🇨🇦 How Canada’s big banks waive credit-card fees, plus other perks

Further reading: What benefits does Canadian Visa Infinite Privilege actually include?

Welcome offer

【July 15, 2026 update】 100,000 Aeroplan miles:

• Spend $1,000 in the first 2 statement periods: 10,000 Aeroplan points.
• Spend $5,000 in the first 4 statement periods: 40,000 Aeroplan points.
• Once net eligible purchases posted to the account reach $25,000 in the first 12 statement periods: an extra 50,000 Aeroplan points at the anniversary.

Income requirement: applicants must be Canadian residents who have reached the age of majority in their province or territory, with personal annual income of at least $150,000 or household annual income of at least $200,000.

Official application link🔗

Previous welcome offers

【December 2023 update】 120,000 miles + $200 flight credit:

• 20,000 miles after the first purchase
• 40,000 miles after spending $6,000 in the first 4 months
• 40,000 miles after spending $25,000 in the first year
• 10x on Air Canada purchases in the first 4 statements, up to 20,000 miles
• $200 back after spending $500 on Air Canada flights in the first 4 statements

【November 2023 update】 110,000 miles:

• 20,000 miles after the first purchase
• 30,000 miles after spending $6,000 in the first 4 months
• 60,000 miles after spending $25,000 in the first year

Everyday spending

2x: Earn 2 Aeroplan points per $1 on eligible purchases billed directly to Air Canada, including Air Canada Vacations, and at participating World of Hyatt hotels and resorts. Car rentals, hotels, and other third-party partner products bought through aircanada.com do not get the Air Canada bonus, but they may earn at the travel rate.

1.5x: Earn 1.5 Aeroplan points per $1 on eligible gas, EV charging, groceries, travel, and dining.

1.25x: Earn 1.25 Aeroplan points per $1 on other eligible purchases.

The 2x and 1.5x bonus rates together apply only to the first $100,000 of net purchases in each account year. After that, eligible purchases earn 1.25 Aeroplan points per $1. The yearly allowance resets after the December statement. Returns and refunds, cash advances, CIBC Global Money Transfer, interest, fees, balance transfers, payments, and convenience cheques do not earn points. The account must be in good standing when points are awarded.

Benefits & insurance

• Free First Checked Bag

The primary cardmember, supplementary cardmembers, and up to 8 companions on the same booking each get a free first checked bag on eligible Air Canada flights. You have to use it under Air Canada’s Aeroplan credit-card travel-benefit rules, and a supplementary cardmember must link their own Aeroplan account.

• Priority Check-in

The primary or supplementary cardmember and up to 8 companions on the same flight and the same booking can use Priority Check-in on an eligible Air Canada itinerary. Airports, flights, and eligibility follow Air Canada’s terms.

• Priority Boarding

The primary or supplementary cardmember and up to 8 companions on the same flight and the same booking can use Priority Boarding on an eligible Air Canada itinerary. The boarding zone and which flights qualify are up to Air Canada.

• Priority Baggage Handling

The primary or supplementary cardmember and up to 8 companions on the same flight and the same booking can get Priority Baggage Handling on an eligible Air Canada itinerary. It does not guarantee when the bags arrive.

• Priority Airport Standby

The primary or supplementary cardmember and up to 8 companions on the same booking can get a higher same-day airport standby position when the fare allows standby. That does not guarantee a seat.

• Higher Priority for Upgrade Clearance

The primary or supplementary cardmember and up to 8 companions on the same booking can get a higher same-day upgrade-clearance position when the fare allows an upgrade. An upgrade still depends on eligibility, space, and Air Canada’s terms.

• Air Canada Lounge Access

Primary and supplementary cardmembers who have linked an Aeroplan account can enter eligible Maple Leaf Lounges and Air Canada Cafés in Canada and the United States when they hold an eligible same-day departing Air Canada or Star Alliance ticket. The current product page says each cardmember may bring 1 guest through December 31, 2026. Air Canada Signature Suite and third-party lounges are excluded, and capacity and airport terms still apply.

• Visa Airport Companion Program

Each cardmember must enrol separately through the Visa Airport Companion app or website. After enrolment, each membership year includes 6 complimentary lounge visits at more than 1,200 lounges in the program worldwide. Once those are used, extra visits are currently USD $32 per person per visit, and that amount can change. A guest also uses a visit or incurs a charge.

• Annual Worldwide Companion Pass

After at least $25,000 in eligible net purchases in the 12 months tied to each account anniversary, the primary cardmember receives 1 companion pass. It is deposited to the Aeroplan account up to 8–10 weeks after that account year ends. When the primary cardmember buys a published economy fare on Air Canada, Air Canada Rouge, or Air Canada Express, the companion’s base fare is $99, $299, $499, or $599 CAD depending on the destination, plus taxes, fees, and surcharges. The pass has specific limits on expiry, routes, fares, booking, and keeping the account in good standing.

• NEXUS Statement Credit

When an eligible card pays a NEXUS application fee, you can receive one statement credit of up to $200 CAD every 4 years. Approval is not required, but the account must be in good standing when the fee posts. NEXUS eligibility and approval are decided by the border agencies.

• Status Qualifying Credits

The primary cardmember earns 1,000 Status Qualifying Credits (SQC) for every $5,000 in eligible net purchases, up to 25,000 SQC per calendar year. Returns, refunds, cash advances, transfers, fees, interest, and payments do not count.

• Elite Status Boost

An eligible primary cardmember who holds Aeroplan 25K or higher receives an SQC boost equal to 10% of the SQC earned in the prior year. Eligibility and account-linking conditions are set by Aeroplan and CIBC.

• eUpgrade Credits

An eligible primary cardmember who also holds Aeroplan Elite Status gets an extra 12 months to use newly issued eUpgrade credits, for 24 months in total. Aeroplan’s eUpgrade program terms still apply.

• Earn Aeroplan Points Twice

Show your Aeroplan number and pay with this card at more than 150 Aeroplan partner brands, or shop through the Aeroplan eStore at more than 170 online retailers, and you may earn both the partner or mall points and this card’s points. Merchants, earn rates, tracking, and eligibility follow the Aeroplan partner terms.

• Aeroplan Points Will Not Expire

As long as the primary cardmember keeps the CIBC Aeroplan Visa Infinite Privilege Card, Aeroplan points will not expire for lack of account activity. The Aeroplan account and the card account still follow their own terms.

• 100% Air Canada Seat Availability

Aeroplan gives this card a redemption-availability benefit on Air Canada flights: seats Air Canada has for sale can be redeemed with Aeroplan points. Airlines, routes, taxes, and award rules still follow Aeroplan’s terms.

• Preferred Pricing for Flight Rewards

Cardmembers get Aeroplan Preferred Pricing on flight rewards, so some flights may cost fewer Aeroplan points. The points required change with route, date, cabin, and Aeroplan’s pricing, and not every award is discounted.

• Aeroplan Family Sharing

You can pool points with Aeroplan members in the same household under Aeroplan Family Sharing. How many members, who can manage the pool, joining and leaving, and redemption rules are set by Aeroplan.

• No Cash Surcharges

Air Canada flights redeemed with Aeroplan points do not carry an airline cash surcharge. Taxes and third-party fees can still apply, and Aeroplan’s payment options may let you pay them with points, cash, or a mix.

• World of Hyatt Bonus Points

After you link Aeroplan and World of Hyatt, you earn an extra 2 World of Hyatt Bonus Points per $1 at participating Hyatt hotels and resorts. Linking and which transactions qualify follow the partnership terms.

• World of Hyatt Discoverist Status

An eligible Premium Aeroplan cardmember who links the accounts receives World of Hyatt Discoverist status. The benefits come from World of Hyatt and follow its terms.

• 90-Day Status Challenge

An eligible Premium Aeroplan cardmember who links the accounts gets 2 World of Hyatt 90-Day Status Challenge attempts each year. Hyatt sets registration, what you have to complete, and the status you receive.

• Tier-Qualifying Night Credits

An eligible Premium Aeroplan cardmember who links the accounts receives 5 World of Hyatt Tier-Qualifying Night credits each year. The yearly deposit and how status is calculated follow Hyatt’s terms.

• Avis President’s Club

You can be upgraded to Avis President’s Club. Membership can include a two-category vehicle upgrade when available, priority service, a dedicated phone line, and car pickup at the parking area or counter. What you actually get depends on the Avis location, inventory, and membership terms.

• Visa Infinite Privilege Concierge

Visa Infinite Privilege Concierge is available 24 hours a day, 7 days a week. The concierge service itself has no extra fee, but you still pay for goods, services, and related costs the concierge arranges or buys for you.

• Visa Infinite Luxury Hotel Collection

Visa Infinite Privilege can access the Luxury Hotel Collection. Hotels, bookable rates, included perks, and booking conditions are set by the program and the participating hotels.

• Visa RSVP Rewards Diamond Status

You can use the Diamond Status benefit in Visa RSVP Rewards. Eligibility, points or rewards, and available services follow RSVP Rewards terms.

• Visa Infinite Dining Series

You can join Visa Infinite Dining Series events and experiences. Dates, cities, cost, and who can register depend on the current program.

• Visa Infinite Wine Country Program

You can use Visa Infinite Wine Country Program benefits. Which wineries, events, offers, and reservation limits apply depends on the current program terms.

• Airport Benefits & Services

Visa Infinite Privilege cardmembers can use some priority security, valet-parking discounts, reserved parking, or taxi and limousine line access at selected airports, including Montreal, Vancouver, Toronto City, and Ottawa. The benefit differs by airport and is limited by airport and Visa terms.

• Troon Golf Benefit

You can use the Visa Infinite Privilege Troon Golf benefit. Registration, participating courses, the offer, and the limits follow the current Visa and Troon terms.

• Exclusive Limited-Time Offers

You can receive notices of limited-time Visa Infinite Privilege offers and events. Whether one is available, what it includes, and the registration and use windows change with each offer.

• Avis and Budget Car Rental Discounts

Pay with this card at participating Avis and Budget locations and you can get up to 25% off. Where the discount applies, which cars, the base rate, the booking channel, and other limits follow Avis and Budget terms.

• Visa Infinite Entertainment

You can take part in Visa Infinite Entertainment. Shows, experiences, quantity, and availability are decided by Visa and the event organizer.

• CIBC Global Money Transfer

The primary cardmember can send money to more than 120 countries or regions with CIBC Global Money Transfer, and CIBC does not charge a transfer fee. The foreign-exchange rate still applies. If you pay the statement balance by the due date, CIBC says it will not charge interest on that transfer. Eligibility, amounts, and destination countries are limited by the service terms.

• Journie Rewards

Link an eligible CIBC card to Journie Rewards, pay with the linked card at a participating location, and show your Journie card or app to save $0.03 per litre immediately, up to 100 litres per transaction. After you reach 300 Journie Points, the next eligible fill saves an extra $0.07 per litre, for up to $0.10 per litre in total. You have to follow Journie’s linking and use rules.

• CIBC Smart Account Credit Card Fee Rebate

The product page says an eligible customer who holds a CIBC Smart Account may receive a rebate of this card’s annual fee. The account tier, eligibility, amount, and how to set it up follow the CIBC Smart Account terms.

• CIBC Pace It

Eligible purchases can be converted to an instalment plan under CIBC Pace It’s own rules. Which purchases qualify, the term, fees, and interest rate are shown by CIBC when you apply. Not every transaction qualifies.

Travel insurance

Official insurance certificate🔗

• Out-of-Province Emergency Travel Medical Insurance

A Canadian resident who leaves their home province, has provincial health coverage, and has a medical emergency can receive up to $5,000,000 per insured person per trip. You do not have to charge the trip to this card. Age 64 and under is covered for the first 31 days of a trip; age 65 and older is covered for the first 10 days. Contact Global Excel before treatment, or as soon as medically possible. A pre-existing condition that was unstable in the 90 days before departure (180 days at age 65 and older), non-emergency treatment, travel for treatment, and losses tied to an existing Government of Canada travel advisory may not be covered. File a claim within 90 days of the service.

• Trip Cancellation Insurance

This applies only to prepaid travel arrangements already charged to this card when the trip is cancelled for a covered reason defined in the certificate. The limit is $2,500 per insured person and $10,000 combined for all insured persons. Known or foreseeable causes, unstable pre-existing conditions, some pregnancy and high-risk activities, and travel-advisory situations are excluded. Cancel the arrangements and notify the insurer as soon as you can, and provide the proof the claim requires.

• Trip Interruption and Trip Delay Insurance

This applies when a trip is interrupted or delayed for a covered reason and any part of the trip cost was paid with this card or with points from this card’s rewards program. The limit is $5,000 per insured person and $25,000 combined for all insured persons. Eligible expenses while return transportation is delayed are also capped at $200 per person per day and $2,000 combined, and those amounts count toward the policy maximum. Known causes, unstable pre-existing conditions, travel advisories, and the certificate’s covered reasons and claim documents all apply.

• Car Rental Collision/Loss Damage Insurance

Pay the full rental with this card and/or points from this card’s rewards program, decline the rental company’s CDW, and rent an eligible vehicle, and theft, loss, or damage to the vehicle can be covered. The manufacturer’s suggested retail price must not exceed $100,000, and a continuous rental can last up to 48 days. Third-party liability, bodily injury, and property other than the rental vehicle are not covered. Contact the insurer within 48 hours of the loss or damage, submit the first documents within 45 days, and submit the rest within 90 days.

• Common Carrier Accident Insurance

After at least 75% of the common-carrier fare, including tax, is charged to this card, a covered accidental loss while you are a passenger boarding, riding, or leaving that carrier, or travelling directly to or from its airport, station, or terminal, is covered up to $500,000 per insured person per accident. Illness, intentional injury, crime, accidents caused by alcohol or drugs, and certain war or riot situations are excluded. Notify the insurer as soon as reasonably possible, and in writing within 90 days of the loss where you can.

• Flight Delay Insurance

When an eligible scheduled flight is delayed more than 4 hours for a reason listed in the certificate, and the fare was paid with this card or redeemed through this card’s rewards program, reasonable living, transportation, and entertainment expenses during the delay are reimbursed up to $500 per person and $1,000 combined for all insured persons. Transportation and entertainment each have a $100 combined sub-limit for everyone. Keep receipts and the airline’s delay confirmation, and give written notice as soon as reasonably possible, ideally within 90 days.

• Delay of Checked Baggage Insurance

When an airline’s checked baggage is unavoidably delayed more than 6 hours, and the related fare was paid with this card or redeemed through this card’s rewards program, essential items bought during the delay are reimbursed up to $500 per person and $1,000 combined. The purchases have to be made within 4 days of the delay. Purchases after the bags are returned, or after 4 days, are not covered. Provide receipts, baggage tags, the airline’s confirmation, and proof of the fare or payment, and notify the insurer as soon as the certificate requires.

• Lost or Stolen Baggage Insurance

When carry-on or checked baggage is lost, stolen, or damaged while in a common carrier’s custody, and the fare was paid with this card or redeemed through this card’s rewards program, the claim is based on actual replacement cost or actual cash value. The limit is $1,000 per person and $2,500 combined for all insured persons, after anything the carrier or another source has already paid. Cash, documents, some valuables, most sports equipment, and losses while commuting are excluded. Report the loss to the carrier and file with them first, and provide the required proof.

• Hotel Burglary Insurance

If your accommodation is burglarized during the stay and any part of the lodging cost was paid with this card or with points from this card’s rewards program, loss or damage to most personal items is covered up to $2,500 per burglary for all insured persons combined. Cash, currency, tickets and documents, fragile or valuable household items, your own rental property, and property you did not reasonably safeguard are excluded. Report it to the police immediately, and within 30 days of the loss submit written materials that include proof of forced entry.

Shopping insurance

• Purchase Security

After you buy new personal property and charge at least part of the price to this card, the item is covered worldwide for loss, theft, or accidental physical damage for 180 days from the purchase date. The payout is the lowest of the repair cost, the actual cash value before the loss, or the price charged to this card. The combined limit for this insurance across all of a cardmember’s CIBC cards is $60,000. Business, used, or refurbished goods, motor vehicles, consumables, services, normal wear, inherent defects, and unexplained disappearance are excluded. Notify the insurer within 45 days of the loss, submit a Loss Report within 90 days, and get approval before repairs.

• Extended Protection

When at least part of an eligible item’s price is charged to this card and the original manufacturer’s warranty is honoured in Canada or the United States, that warranty can be extended to three times its original length, up to 2 extra full years. If the manufacturer’s warranty is longer than 5 years, register the item with the insurer in the first year after purchase. This shares the $60,000 combined CIBC-card limit per cardmember with Purchase Security. Dealer or assembler warranties, improper installation or modification, and repairs or replacements the original warranty would not have covered are excluded. The same 45-day notice, 90-day Loss Report, and pre-repair approval rules apply.

• Mobile Device Insurance

Buy a new phone entirely with this card, or pay the required down payment and every carrier bill for the whole contract with this card, or finance it on a carrier instalment plan with this card, and a covered phone is insured worldwide for loss, theft, or accidental damage up to $1,500 per occurrence per person. A phone bought outright is covered from day 181. A phone on an instalment plan is covered from the first related transaction, usually for up to two years. The payout deducts 2% depreciation for each completed month and a 10% deductible. Across all CIBC cards that offer mobile-device insurance, you can file at most 4 claims in any consecutive 24 months. Mechanical failure, fraud or misuse, used or most refurbished phones, accessories, batteries, and unexplained disappearance are excluded. Suspend service within 48 hours of a loss or theft, report a theft to the police within 7 days, contact the insurer within 14 days and before repair or replacement, and give written notice within 90 days of the loss where you can.