Highlights

  • Earn 1.5 Aeroplan points per $1 on direct Air Canada purchases, groceries, gas, and EV charging; Hyatt is also listed in the product page’s 1.5x category.
  • The primary and supplementary cardmembers can get a free first checked bag on eligible Air Canada travel, and spending can earn Aeroplan Status Qualifying Credits.
  • Includes emergency medical, trip cancellation and interruption, flight and baggage, car-rental, purchase, mobile-device, and hotel-burglary insurance.

Who it suits: If you regularly fly Air Canada or can put your grocery, gas, and EV-charging spending on one card, the Aeroplan return is straightforward. It also suits travellers who want a broad package of travel insurance without paying for a premium card’s lounge benefits. Whether it is worth keeping long term depends on how much value you get from the $139 annual fee, free checked bags, hotel and partner benefits, and insurance.

CIBC Aeroplan Visa Infinite Card

Issuer: CIBC
Payment network: Visa
Type: Credit card
Annual fee: $139 for the primary card; $50 for each supplementary card. CIBC has announced increases to $159 and $80 on January 12, 2027
Foreign-currency conversion fee: 2.5%

This Canadian travel credit card earns Aeroplan points as its main reward. You can redeem Aeroplan points for flights, hotels, and other travel rewards; the Aeroplan programme and itinerary determine the redemption rules and points required.

Welcome Offer

【October 15, 2026 update】 50,000 Aeroplan points plus no first-year annual fee for the primary card and up to 3 supplementary cards:

  • Earn 10,000 Aeroplan points after the first purchase.
  • Earn 15,000 Aeroplan points after at least $6,000 in net purchases during the first 6 monthly statement periods.
  • Earn an additional 25,000 Aeroplan points as an anniversary bonus after at least $12,000 in net eligible purchases are posted during the first 12 monthly statement periods.

Applicants must be Canadian residents who have reached the age of majority in their province or territory, with personal annual income of at least $60,000 or household annual income of at least $100,000.

Official application link🔗

Previous welcome offers

【July 2026 update】 55,000 Aeroplan points plus a first-year annual-fee waiver: Expired

  • 10,000 Aeroplan points after the first purchase
  • 20,000 Aeroplan points after spending $6,000 during the first 6 months
  • 25,000 Aeroplan points after spending $12,000 during the first 12 months
  • Annual-fee rebate for the primary card and 3 supplementary cards

【December 2023 update】 70,000 Aeroplan points plus $150 through the in-path offer: Expired

  • 10,000 Aeroplan points after the first purchase
  • An additional 20,000 Aeroplan points after spending $4,000 during the first 4 statement periods
  • 25,000 Aeroplan points after spending $15,000 during the first 12 statement periods
  • Up to another 15,000 Aeroplan points: earn 10x on eligible purchases directly from Air Canada Vacations and on aircanada.com during the first 4 statement periods
  • A $150 statement credit after one Air Canada purchase of at least $300 during the first 4 statement periods

【November 2023 update】 50,000 points plus a first-year annual-fee waiver for 1 primary card and 3 supplementary cards: Expired

  • 10,000 Aeroplan points after the first purchase
  • 15,000 Aeroplan points after spending $4,000 during the first 4 statement periods
  • 25,000 Aeroplan points at the anniversary after $15,000 in net purchases during the first 12 statement periods
  • Free first checked bag, valued at about $120 for two travellers taking one Air Canada round trip in the first year
  • One-time annual-fee rebates of $139 for the primary card and $50 for each of up to 3 supplementary cards, for a total of more than $189

Earning Aeroplan Points

1.5x: Earn 1.5 Aeroplan points per $1 on eligible groceries, gas, EV charging (MCC 5552), and direct Air Canada purchases, including Air Canada Vacations. This bonus rate applies only to the first $80,000 of net annual card purchases on the account. After the cap, purchases earn the regular rate. The annual allowance resets the day after the December statement is printed.

  • ⚠️ Keep in mind: the 1.5x category does not include car rentals, hotels, or third-party products and services bought through aircanada.com. Cash advances, Global Money Transfers, interest, fees, balance transfers, payments, convenience cheques, optional insurance premiums, and related taxes are also excluded. The account must be in good standing when points are posted.

1.5x: CIBC’s product page separately lists Hyatt as a 1.5-point category.

1x: Other eligible purchases earn 1 Aeroplan point per $1.

Benefits & Insurance

  • Free First Checked Bag

The primary cardmember, supplementary cardmembers, and up to 8 companions on the same booking can receive a free first checked bag on eligible Air Canada flights. A supplementary cardmember must link their own Aeroplan number to the card. The benefit applies only to eligible travel operated by Air Canada, Air Canada Rouge, or Air Canada Express. You cannot claim a duplicate benefit or a refund when another benefit already makes the first bag free.

  • Aeroplan Status Qualifying Credits (SQC)

The primary cardmember receives 1,000 SQC for every $20,000 in eligible net purchases, up to 25,000 SQC per calendar year. Returns, cash advances, Global Money Transfers, balance transfers, convenience cheques, fees, interest, and payments do not count. Supplementary-card spending can count toward the primary account, but supplementary cardmembers do not receive SQC separately through this benefit.

  • Aeroplan Points Will Not Expire

Aeroplan points do not expire for lack of activity as long as the primary cardmember continues to hold this CIBC Aeroplan card. Both the card account and the Aeroplan account must remain in good standing under their respective terms.

  • Air Canada Award Seats and Redemption Options

Aeroplan says that an Air Canada seat available for purchase with cash can also be redeemed with Aeroplan points, subject to actual inventory, route, taxes, and award rules. You can pay for an Air Canada flight reward with points, cash, or a combination. Air Canada flight rewards do not have an airline cash surcharge, although taxes and third-party fees may still apply.

  • Aeroplan Preferred Pricing and Family Sharing

Cardmembers may receive Aeroplan Preferred Pricing on flight rewards and can pool points with household members under Aeroplan Family Sharing. The points price depends on the date, route, cabin, and Aeroplan’s pricing and programme terms.

  • Get a Fourth Night Free on Aeroplan Hotel Redemptions

When you redeem Aeroplan points for 4 consecutive nights at the same participating hotel under one reservation, you can skip the points cost of one night based on the average points cost. Eight consecutive nights can qualify for two free nights under the same rules. The current Air Canada page says the offer ends December 31, 2026 unless extended. Points-only bookings are required; cash and points-plus-cash bookings do not qualify. View Air Canada’s official information🔗

  • Avis Preferred Plus

Cardmembers can receive Avis Preferred Plus benefits, including a one-class upgrade, expedited service, a dedicated phone line, and designated parking or pickup benefits at some locations. Upgrades depend on location, vehicle inventory, and Avis’s terms.

  • Avis and Budget Car-Rental Discounts

Rentals at participating Avis and Budget locations can receive a discount of up to 25%. The discount applies only to eligible rental charges, and the location, vehicle, booking channel, and availability follow Avis and Budget’s terms.

  • Journie Rewards Fuel Savings

After linking an eligible CIBC card to Journie Rewards, use the linked card and show your Journie account at participating Chevron, Ultramar, or Pioneer stations to save $0.03 per litre immediately. Once you reach 300 Journie points within 30 days, the next eligible fuel purchase gets an additional $0.07 per litre, for combined savings of up to $0.10 per litre. Each purchase is capped at 100 litres. Linking and redemption follow Journie’s rules. Journie’s official page🔗

  • Visa Infinite Benefits

The card includes Visa Infinite Concierge, Visa Infinite Luxury Hotel Collection, Visa Infinite Dining Series, and Visa Infinite Wine Country.

  • Skip+ Benefits

CIBC’s product page currently says that linking an eligible CIBC credit card provides Skip+ membership, $0 delivery fees, and a $10 monthly voucher. This is a partner benefit; eligibility, validity, and usage follow the Skip+ terms.

  • Disney+ Statement Credit

Eligible primary cardmembers who buy a monthly Disney+ subscription priced at $8.99 or more directly from Disney+ can receive a $4.50 statement credit each month for up to 6 consecutive months. Annual plans, third-party payment platforms, and anyone who had a Disney+ subscription during the previous 12 months do not qualify. The credit is not an instant discount. CIBC’s official offer details🔗

  • Announced Changes from January 12, 2027

CIBC has announced a 15% reduction in the Aeroplan points required for the base fare of eligible Air Canada flight rewards, two $25 Air Canada Flight Benefits per year, removal of the fourth-night hotel benefit’s expiry date, and a benefit that waives one day’s average points cost for every 4 rental days. These are future changes; after they take effect, use them under the new Benefits Guide and Aeroplan terms. View CIBC’s change notice🔗

Travel Insurance

Official insurance certificate 🔗

  • Out-of-Province Emergency Travel Medical Insurance

Canadian residents travelling outside their province of residence who have provincial or territorial health coverage can receive up to $5,000,000 per insured person per trip for eligible emergency medical care. The trip does not have to be paid with the card. Coverage is for up to 15 days for travellers aged 64 or under and up to 3 days for travellers aged 65 or older. Contact Global Excel before treatment, or as soon as medically possible. Unstable pre-existing medical conditions, non-emergency treatment, and travel undertaken to obtain treatment may be excluded. Claims must be submitted within 90 days after the service.

  • Trip Cancellation Insurance

Trip cancellation coverage can apply when a trip is cancelled before departure for a covered reason defined in the certificate, and prepaid, non-refundable, non-transferable travel arrangements were paid with the card or redeemed with the card’s reward points. Coverage is up to $1,500 per insured person and $5,000 for all insured persons combined. Known or foreseeable causes, unstable pre-existing medical conditions, and other certificate exclusions apply.

  • Trip Interruption and Return-Delay Insurance

If a trip is interrupted or delayed after it starts for a covered reason, any portion of the qualifying travel costs paid with the card or redeemed with the card’s reward points can qualify for reimbursement of unused prepaid arrangements and reasonable additional expenses. Coverage is up to $2,000 per insured person. Return-transport delays have separate daily and combined sub-limits. Contact the insurer on the day the event occurs or the next business day, and keep the required proof.

  • Car Rental Collision/Loss Damage Insurance

Canadian residents must charge the full rental cost, including taxes, to the card and decline the rental company’s CDW/LDW. Qualifying vehicles must have an MSRP of no more than $85,000, and the maximum continuous rental is 48 days. Third-party liability and personal injury are not covered. Contact the insurer within 48 hours of the accident or loss and submit the required documents within the certificate’s deadlines.

  • Common Carrier Accident Insurance

When at least 75% of the fare including taxes is charged to the card, coverage can apply while travelling as a passenger on, boarding, or leaving an eligible common carrier, or while travelling directly to or from the airport, station, or terminal. Coverage is up to $500,000 per insured person per accident. Sickness, intentional self-harm, criminal acts, alcohol or drug impairment, and war or riot-related events are excluded.

  • Flight Delay Insurance

If an eligible scheduled flight is delayed more than 4 hours for a covered reason and the fare was paid with the card or the card’s reward points, reasonable living, transportation, and entertainment expenses can be reimbursed. The limit is $500 for all insured persons combined, with separate sub-limits for ground transportation and entertainment. Keep the airline’s delay confirmation and receipts.

  • Delayed Checked Baggage Insurance

When checked baggage remains in the airline’s custody and is unavoidably delayed for more than 6 hours, and the fare was paid with the card or the card’s reward points, necessary clothing and toiletries bought during the delay can qualify. Coverage is up to $500 per insured person and $1,000 for all insured persons combined. Purchases must be made within 4 days after the delay.

  • Lost or Stolen Baggage Insurance

Carry-on or checked baggage lost, stolen, or damaged while in a common carrier’s custody can qualify when the fare meets the payment requirement. Claims are based on the lesser of actual replacement cost and actual cash value. Coverage is up to $500 per insured person and $1,000 combined. Cash, documents, some valuables, and baggage lost while commuting are excluded.

  • Hotel Burglary Insurance

When any portion of the accommodation cost is paid with the card or the card’s reward points, personal items lost or damaged in a burglary of a commercial accommodation room can qualify. Coverage is up to $2,500 for all insured persons combined per burglary occurrence. Report the incident to the police promptly and submit written proof within 30 days of the loss.

Purchase Protection

  • Purchase Security Insurance

When a new personal item is bought and at least part of the price is charged to the card, loss, theft, or accidental damage within 90 days can qualify for coverage under the certificate. The benefit is limited to the lesser of the repair cost, actual cash value, or the amount charged to the card. Business or commercial purchases, used or refurbished items, normal wear, mysterious disappearance, and other certificate exclusions generally are not covered.

  • Extended Protection Insurance

When at least part of the purchase price is charged to the card and the original manufacturer’s warranty is honoured in Canada or the United States, the warranty can be extended by up to one additional year. A manufacturer’s warranty longer than 5 years may require registration during the first year. Dealer warranties, improper installation, and repairs not covered by the original warranty are excluded, and the certificate includes aggregate limits and claim deadlines.

  • Mobile Device Insurance

When buying a phone, you must charge the full price—or the down payment and subsequent device-plan bills as required by the certificate—to the card. The device must also be activated with a Canadian wireless carrier. Loss, theft, or accidental damage is covered up to $1,000 per insured person per occurrence, after a 10% deductible and depreciation. Depreciation is generally 2% of the purchase price for each month. After theft, suspend service within 48 hours and report it to police within 7 days; contact the insurer before repairing or replacing the device.