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Mr. Loonie
CIBC Aeroplan® Visa Infinite* Card

CIBC Aeroplan® Visa Infinite* Card

7.7
Good
Expert Score · 3 reviews How we score

Best for: Air Canada flyers who want Aeroplan points on groceries and gas plus a free checked bag

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
$1,042
Every year after
$542

Ranked #30 of 176 for year one. See the list

See how we worked it out
Welcome offer you’d get
$500
All of year one’s offer. Up to 50,000 Aeroplan points.
Annual fee
$139 a year
Apply now on CIBC’s site (opens in a new tab)
Needs $60,000 personal or $100,000 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 $400 or more a month on groceries, gas and flights?

Is your personal income $60,000 or more, or your household’s $100,000 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: 1.5 points per $1 on groceries, gas and flights At our value for these points, that’s about 3% back.
  • Good: Welcome offer up to 50,000 Aeroplan points About $1,000 at our value for these points.

Watch for

  • Watch for: $139 a year You need about $400 a month on groceries, gas and 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 $60
    1 point per $1 · 2% back $250 a month · 3,000 Aeroplan points a year
  • Gas $90
    1.5 points per $1 · 3% back $250 a month · 4,500 Aeroplan points a year
  • Recurring bills $60
    1 point per $1 · 2% back $250 a month · 3,000 Aeroplan points a year
  • Travel $36
    1 point per $1 · 2% back $150 a month · 1,800 Aeroplan points a year
  • Everything else $156
    1 point per $1 · 2% back $650 a month · 7,800 Aeroplan points a year
  • Foreign currency $36
    1 point per $1 · 2% back $150 a month · 1,800 Aeroplan points a year
For you Year one Later years
Points you earn36,300 Aeroplan points a year, at 2¢ each $726 $726
Welcome offer25,000 Aeroplan points you’d reach $500 $0
Annual fee −$139 −$139
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Total $1,042 $542

Rows are rounded to the dollar.

What counts in each category
Groceries
1.5 points per $1
Gas
1.5 points per $1 Including EV charging
Flights
1.5 points per $1 Bought directly from Air Canada, including Air Canada Vacations
Everything else (base rate)
1 point 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 $10,000 in eligible purchases made 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 full offer?

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

  1. 1

    10,000 Aeroplan points · about $200

    Get approved for the card.

    • Make your first purchase
  2. 2

    15,000 Aeroplan points · about $300

    Spend $6,000 in your first 6 months.

    You’d reach it in month 3.

  3. 3

    25,000 Aeroplan points · about $500

    Keep the card for a year.

    • have at least $12,000 in net purchases posted on your account; during the first 12 monthly statement periods

Offer end date not published.

Offer checked on Nov 8, 2026. Source

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 $60,000 or more Issuer says
  • Household income $100,000 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 critics say

Other reviewers on this card

7.7
Good
Expert Score How we score
  • Money.ca (opens in a new tab) Mar 2025
    8

    “The CIBC Aeroplan® Visa Infinite Card is worth it if you want to earn Aeroplan points. Its generous welcome bonus of up to 40,000 Aeroplan points (and one-time annual fee rebate ($139) for the primary cardholder and up to three authorized users ($50 each)) make it an enticing card for any traveller. Couple that with its travel insurance and points earning potential and you’ve got yourself one solid credit card.”

  • Yore Oyster (opens in a new tab) Dec 2022

    “CIBC Aeroplan Visa Infinite Card is your go-to travel rewards credit card, especially if you prefer to book flights with Air Canada. For an annual fee of $139, you can get your money’s worth since it gives you exclusive travel benefits such as Aeroplan points, free first-checked baggage, luxury hotel perks, dining and wine experiences, room upgrades, and golf discounts. You can also ensure your safety and protection since it covers your flights, purchases, and mobile device with insurance on every flight.”

  • Hardbacon (opens in a new tab) Jul 2022
    8

    “This card makes it very easy to rack up points and pool resources, something we need to do when inflation is high. You earn free travel very quickly with this card. If you pay your balance on time, you won’t incur interest charges. Using the card and keeping your account in good standing means that your points won’t expire. All else being equal, your money does go further given all of the ways you can earn and redeem points. You just have to remember to use your card for all of the eligible purchases and to keep records in case you have to claim insurance. Since this is linked to Aeroplan, you also have to book and fly with Air Canada and its specified carriers.”

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

  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Get 3 cents off per litre at participating gas stations with Journie™ Rewards
  • Enjoy a free first checked bag for you, authorized users and up to 8 companions every time you fly with Air Canada
  • Trip Cancellation and Trip Interruption Insurance
  • Flight Delay and Baggage Insurance
  • Hotel Burglary Insurance
  • Mobile Device Insurance
  • Access to Visa Infinite Luxury Hotel Collection
  • Access to Visa Infinite Dining Series
  • Access to Visa Infinite Wine Country
  • Identity theft assistance
  • Free 6 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.

Not included

Not listed for this card: travel medical, trip cancellation, trip interruption, flight delay, lost baggage, car rental damage and mobile device.

Fees and interest

What it costs

Annual fee
$139 a year
Purchase interest
21.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$50
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: $1,042 year one, $542 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* Card?

$139 a year. Each extra card costs $50.

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

Up to 50,000 Aeroplan points, about $1,000. You get it in 3 steps: 10,000 Aeroplan points when you are approved; 15,000 Aeroplan points after you spend $6,000 in the first 6 months; 25,000 Aeroplan points on your first card anniversary.

What income do I need?

CIBC asks for $60,000 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

$1,042
year one for you
Apply now on CIBC’s site (opens in a new tab)
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