Skip to content
Mr. Loonie
CIBC Aeroplan® Visa Infinite Privilege Card

CIBC Aeroplan® Visa Infinite Privilege Card

Best for: Frequent Air Canada flyers who will use Maple Leaf Lounge access and priority perks

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Year one
$1,098
Every year after
$498

Ranked #27 of 176 for year one. See the list

See how we worked it out
Welcome offer you’d get
$600
The full offer. Up to 30,000 Aeroplan points.
Annual fee
$599 a year
Apply now on CIBC’s site (opens in a new tab)
Needs $150,000 personal or $200,000 household income
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from CIBC’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? What you’d earn Welcome offer Can I get it? Fees Similar cards
3 quick questions

Is it for me?

Do you spend $1,250 or more a month on flights?

Is your personal income $150,000 or more, or your household’s $200,000 or more?

Do you pay your card off in full most months?

Answer the 3 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 2 points per $1 on flights At our value for these points, that’s about 4% back.
  • Good: Welcome offer up to 30,000 Aeroplan points About $600 at our value for these points.

Watch for

  • Watch for: $599 a year You need about $1,250 a month on flights to earn it back.
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

Aeroplan points valued at 2¢ each.

  • Groceries $288
    1.5 points per $1 · 3% back $800 a month · 14,400 Aeroplan points a year
  • Restaurants $90
    1.5 points per $1 · 3% back $250 a month · 4,500 Aeroplan points a year
  • Gas $90
    1.5 points per $1 · 3% back $250 a month · 4,500 Aeroplan points a year
  • Recurring bills $75
    1.25 points per $1 · 2.5% back $250 a month · 3,750 Aeroplan points a year
  • Travel $54
    1.5 points per $1 · 3% back $150 a month · 2,700 Aeroplan points a year
  • Everything else $195
    1.25 points per $1 · 2.5% back $650 a month · 9,750 Aeroplan points a year
  • Foreign currency $45
    1.25 points per $1 · 2.5% back $150 a month · 2,250 Aeroplan points a year
For you Year one Later years
Points you earn41,850 Aeroplan points a year, at 2¢ each $837 $837
Welcome offer30,000 Aeroplan points you’d reach $600 $0
Annual fee −$599 −$599
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Lounge visits2 visits at $45 $90 $90
Travel medical insurance1 trip at $50 $50 $50
Rental car damage cover1 rental of 3 days at $35 a day $105 $105
Phone insurance$60 a year $60 $60
Total $1,098 $498

Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.

What counts in each category
Flights
2 points per $1 Bought directly from Air Canada, including Air Canada Vacations
Groceries
1.5 points per $1 Including electric vehicle charging stations
Gas
1.5 points per $1 Including EV charging
Travel
1.5 points per $1
Restaurants
1.5 points per $1
Everything else (base rate)
1.25 points per $1
  • Earn points twice at over 150 Aeroplan partners and 170+ online retailers through the Aeroplan eStore
  • Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 in eligible purchases made on your card
  • 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 card.
How Aeroplan points work, and why 2¢

We count Aeroplan points at 2¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 0.7¢ to 6¢.

We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Welcome offer

Can your spending get the offer?

At $2,500 a month, here’s when you’d reach each step.

  1. 1

    30,000 Aeroplan points · about $600

    Spend $15,000 in your first 6 months.

    You’d reach it in month 6.

    • On purchases during the first 6 monthly statement periods
    • Also earn 20,000 points when you make your first purchase
    • Earn another 35,000 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

Offer end date not published.

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Personal income $150,000 or more Issuer says
  • Household income $200,000 or more Issuer says
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Checked on Nov 8, 2026. Source

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Car rental damage Included
  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Travel medical Included
  • Trip cancellation Included
  • Trip interruption Included
  • Flight delay Included
  • Baggage delay Included
  • Lost baggage Included
  • Hotel burglary Included
  • Mobile device Included
  • Lounges: Maple leaf Unlimited visits
  • Lounges: Dragonpass 6 free visits
  • Get 3 cents off per litre at participating gas stations with Journie™ Rewards
  • Access select Maple Leaf Lounges and Air Canada Cafés
  • Get 6 complimentary Priority Pass lounge visits per year per cardholder
  • Enjoy a free first checked bag for you, your authorized users and up to 8 companions every time you fly with Air Canada
  • Get Priority Check-in, Priority Boarding and Priority Baggage Handling for you, your authorized users and up to 8 companions on the same flight
  • Get one NEXUS application fee rebate every 4 years — a $50 value
  • Trip Cancellation and Trip Interruption Insurance
  • Flight Delay and Baggage Insurance
  • Hotel Burglary Insurance
  • Mobile Device Insurance
  • Access to Visa Infinite Privilege benefits
  • Free 12 months Uber Pass membership
  • Mobile wallets Apple Pay, Google Pay, Samsung Pay
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read CIBC’s insurance certificate before you count on any coverage.

Fees and interest

What it costs

Annual fee
$599 a year
Purchase interest
21.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$149
Fee waivers
Bank bundle (Annual fee rebate of up to $139 if you have a CIBC Smart Plus™ Account)
Cash advance fee
$5.00
Balance transfer fee
3%, Maximum
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
22.99%
Source
Issuer page

Province differences

Quebec
Balance transfer rate: 21.99%. Cash advance rate: 21.99%.

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: $1,098 year one, $498 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the CIBC Aeroplan® Visa Infinite Privilege Card?

$599 a year. Each extra card costs $149.

How much is the CIBC Aeroplan® Visa Infinite Privilege Card welcome offer worth?

30,000 Aeroplan points after you spend $15,000 in the first 6 months, worth about $600.

What income do I need?

CIBC asks for $150,000 in personal income.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

21.99% on purchases. Cash advances are 22.99%.

Does it include insurance?

It lists extended warranty, purchase protection, trip cancellation and trip interruption insurance and flight delay and baggage insurance. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$1,098
year one for you
Apply now on CIBC’s site (opens in a new tab)
Compare
Compare is full