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Mr. Loonie

Card comparison

CIBC Aeroplan Visa Business

Add a card to see which one is worth more to you.

Worked out from each card’s fees, earn rates and welcome offer. How we work it out

Your spending a month
What’s in each?
Solo:
Office supplies $100, shipping $50, phone and internet $150, software $150, online ads $200, gas $250, restaurants $200, travel $250, everything else (base rate) $1,050, foreign currency $100
Small team:
Office supplies $250, shipping $200, phone and internet $300, software $400, online ads $600, gas $500, restaurants $400, travel $400, everything else (base rate) $2,650, foreign currency $300
Growing:
Office supplies $500, shipping $600, phone and internet $600, software $1,000, online ads $2,000, gas $1,000, restaurants $800, travel $1,200, everything else (base rate) $6,300, foreign currency $1,000

CIBC

CIBC Aeroplan® Visa Business Card

What it’s worth to you
Better: $2,216
Year one · The full offer.
Better: Every year after $1,536

Points counted at 2 cents each, our value for Aeroplan. Why we value CIBC Aeroplan Visa Business this way

Apply now with CIBC (opens in a new tab)
We may earn a fee when you apply through these links. It never changes the numbers.

Lower is better here.

Annual fee
$180$0 in year one
Extra card For a partner or family member
$50 a year
Foreign currency fee On purchases in another currency
2.5%
Interest on purchases
12.99%
Interest on cash advances
14.5%
Cash advance fee
$5.00
Balance transfer fee
3%
Late payment fee
$0
Source
cibc.comChecked Nov 8, 2026

Small team spending, $6,000 a month. Bigger is better.

Office supplies $3,000 a year
Better: $60 1 point per $1 (base rate)
Shipping $2,400 a year
Better: $72 1.5 points per $1
Phone and internet $3,600 a year
Better: $108 1.5 points per $1
Software $4,800 a year
Better: $96 1 point per $1 (base rate)
Online ads $7,200 a year
Better: $144 1 point per $1 (base rate)
Gas $6,000 a year
Better: $120 1 point per $1 (base rate)
Restaurants $4,800 a year
Better: $144 1.5 points per $1
Travel $4,800 a year
Better: $144 1.5 points per $1
Everything else (base rate) $31,800 a year
Better: $636 1 point per $1
Foreign currency $3,600 a year
Better: $72 1 point per $1 (base rate)
Total earned Before fees and the welcome offer
Better: $1,596
Foreign currency fee On the budget’s foreign spending. * Fee not listed, counted at the usual rate
Better: $90
Perks you’d use Lounge visits and cover, at what they cost on their own
Better: $210
Limits
None listed
Source
cibc.comChecked Nov 10, 2026

Counted at your spending, not the advertised maximum.

What you’d get
Better: $500The full offer.
Advertised
Up to 25,000 Aeroplan points.

Car rental damage
Included
Extended warranty
Included
Purchase protection
Included
Trip cancellation
Included
Trip interruption
Included
Flight delay
Included
Baggage delay
Included
Lost baggage
Included
Travel accident
Included
Mobile wallets
Apple Pay, Google Pay, Samsung Pay

Personal income Minimum the bank lists
$35,000 a year
Network
Visa
Source
cibc.comChecked Nov 8, 2026

Mr. Loonie’s tip Look at every year after before year one. A big welcome offer pays once; the earn rates pay every month you keep the card.

Questions

How do you work out year one?

We add what each card earns at your spending, plus the part of the welcome offer you’d get, then take off the first year’s annual fee. Every year after leaves out the offer and uses the regular fee.

Can I compare more than two cards?

Yes, up to four. Tap Add a card above the table, or + Compare on any card page.

Do banks pay to appear here?

No. You pick the cards and the math decides the numbers. We may earn a fee when you apply through some links. That never changes a number.

Year one adds what each card earns at the spending you picked, plus the part of the welcome offer that spending reaches, then takes off the first year’s fee. Every year after leaves out the offer and uses the regular fee. Points are counted at the value shown under each card.

Sources, checked by us:

  • CIBC Aeroplan Visa Business: cibc.com, checked Nov 8, 2026

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. Values are estimates for the spending you picked, rounded to the nearest dollar.

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

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