The ClearFin bottom line
✈️ Aeroplan Miles
Its strongest published earn rate in our data is 1.5% on groceries. The $139 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-09 · Official issuer catalogueIndependent ClearFin review · CIBC
CIBC Aeroplan Visa Infinite
Start with up to 50,000 Aeroplan Points + First Year Annual Fee Rebate, worth about $1,139.
Independent comparisonFees includedCanadian card data
- Annual fee
- $139
- Reward type
- Aeroplan
- Welcome offer
- 50,000 pts
- Insurance
- Not listed
First year free
Current new-cardmember offer
Confirm with the issuer
✈️ Aeroplan Miles
Welcome bonus
Up to 50,000 Aeroplan Points + First Year Annual Fee RebateEstimated value: $1,139
How to earn it
- 10,000 Aeroplan pointsMake your first purchase with the card.
- 15,000 Aeroplan pointsSpend $6,000 or more during the first 6 monthly statement periods.
- 25,000 Aeroplan pointsAccumulate at least $12,000 in net purchases during the first 12 monthly statement periods.
- First-year annual fee rebateApproved under the current digital exclusive offer and activate the account.
Offer details
Offer available to new CIBC Aeroplan Visa Infinite cardholders. CIBC may limit eligibility for clients who currently hold or have previously held a CIBC Aeroplan credit card. Account must remain open and in good standing at the time bonus points are awarded.
How you earn
- 1.5 Aeroplan points per $1 spent on eligible gas purchases
- 1.5 Aeroplan points per $1 spent on eligible electric vehicle charging purchases
- 1.5 Aeroplan points per $1 spent on eligible grocery purchases
- 1.5 Aeroplan points per $1 spent on purchases made directly with Air Canada, including Air Canada Vacations
- 1 Aeroplan point per $1 spent on all other purchases
- Earn Aeroplan points twice at over 150 Aeroplan partners and more than 170 retailers through the Aeroplan eStore
- Primary cardholders earn 1,000 Status Qualifying Credits (SQC) for every $20,000 in eligible net purchases, up to 25,000 SQC annually
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$139First year free
Purchase interest20.99%
Cash advance interest22.99%
Foreign transaction fee2.5%
Income requirement$60,000Issuer approval criteria apply
Household income$100,000Alternative minimum
Recommended credit score725+ Good to Excellent
The CIBC Aeroplan Visa Infinite Card is a premium travel rewards card that requires Visa Infinite income qualifications. It is generally best suited for applicants with good to excellent credit who can meet the minimum income requirements and qualify for a higher credit limit.
300Poor
560Fair
660Good
725+Very Good
760Excellent
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. This is an estimated approval range based on the card's Visa Infinite tier, minimum income requirements, and market positioning. CIBC does not publish a minimum credit score requirement. Approval also depends on factors such as income, credit history, debt levels, payment history, employment status, and overall creditworthiness.
Reward limits: The CIBC Aeroplan Visa Infinite Card does not have published spending caps on its standard Aeroplan earn rates. Cardholders earn 1.5 Aeroplan points per $1 spent on eligible gas, electric vehicle charging, groceries, and purchases made directly with Air Canada, including Air Canada Vacations. All other purchases earn 1 Aeroplan point per $1 spent. The card also provides 1,000 Aeroplan Status Qualifying Credits (SQC) for every $20,000 in eligible net purchases, up to a maximum of 25,000 SQC per calendar year.
Earning cap
Using your rewards
Redemption options
Redemption values and availability may vary by option and can change.
Redeem Aeroplan points for eligible Air Canada and partner-airline flights, with taxes, fees, availability, and program rules applying.
Use eligible points for hotels, car rentals, merchandise, gift cards, and other options available through Aeroplan.
Beyond the points
Benefits that come with the card
Consider these extras by the value they add to purchases and experiences you already use.
Free First Checked Bag
Primary cardholder, authorized users, and up to 8 travel companions receive a free first checked bag on eligible Air Canada flights.
Preferred Aeroplan Pricing
Access preferred flight reward pricing and often redeem fewer Aeroplan points for eligible Air Canada flights.
Aeroplan Hotel Benefit
Receive a fourth hotel night free when redeeming Aeroplan points for stays of four consecutive nights or longer at participating hotels.
Status Qualifying Credit Boost
Earn 1,000 Aeroplan Status Qualifying Credits for every $20,000 in eligible net purchases, up to 25,000 SQC annually.
Aeroplan Family Sharing
Combine Aeroplan points with eligible household members to reach travel rewards faster.
Points Never Expire
Aeroplan points remain active as long as the primary cardholder continues to hold an eligible CIBC Aeroplan credit card.
Visa Infinite Concierge
Access 24/7 Visa Infinite concierge services for travel planning, dining reservations, entertainment bookings, and everyday assistance.
Visa Infinite Benefits
Receive access to exclusive Visa Infinite dining, hotel, luxury travel, and entertainment offers.
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Avis Preferred Plus Status
Complimentary upgrade to Avis Preferred Plus with vehicle upgrades, expedited service, dedicated support, and priority privileges.
Out-of-Province Emergency Medical Insurance
Coverage for eligible emergency medical expenses incurred while travelling outside your province or territory of residence.
Trip Cancellation and Trip Interruption Insurance
Coverage for eligible prepaid travel expenses when trips are cancelled, delayed, or interrupted for covered reasons.
Flight Delay and Baggage Insurance
Coverage for eligible expenses resulting from flight delays, baggage delays, loss, or damage.
Mobile Device Insurance
Protection against loss, theft, accidental damage, or mechanical breakdown of eligible mobile devices purchased with the card.
Car Rental Collision and Loss Damage Insurance
Coverage for theft, loss, or damage to eligible rental vehicles when the full rental cost is charged to the card.
Purchase Security and Extended Warranty
Protection against theft, loss, or damage on eligible purchases and an extension of the manufacturer's warranty.
Hotel Burglary Insurance
Coverage for loss of personal property resulting from burglary while staying in eligible hotel accommodations.
Common Carrier Accident Insurance
Accidental death and dismemberment coverage while travelling on eligible common carriers.
Skip+ Membership
Complimentary Skip+ membership with eligible linked card, including delivery fee savings and monthly member benefits.
Disney+ Statement Credit Offer
Eligible cardholders may receive promotional statement credits on qualifying Disney+ subscriptions.
CIBC Pace It
Convert eligible purchases into fixed monthly installment plans with predictable payments.
Protection included
Insurance at a glance
No included coverage is verified in ClearFin's current catalogue.
Insurance is not currently listed for this product.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗The verdict
What we like
- Strong Aeroplan earn rates
- Free first checked bag for up to 9 travellers
- Comprehensive travel insurance
- Preferred Aeroplan pricing
- Annual fee rebate in first year
Worth noting
- Annual fee
- High income requirement
- Foreign transaction fee
- Limited bonus categories
- Companion pass not included
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
✈️ Aeroplan Miles
1.5x Aeroplan on gas, EV, groceries & Air Canada. 1x on everything else.
How the rewards work
Groceries, Gas, Travel receive the strongest estimated return at 1.5%. Purchases outside the accelerated categories earn an estimated 1.0%.
What the annual cost means
Using the strongest estimated category return alone, roughly $9,300 in annual spending at that rate would equal the $139 fee before considering the value of insurance, partner benefits, or a welcome offer.
Who it may suit
This card is most relevant for someone who spends consistently on groceries and gas and can use enough of the included value to justify the yearly cost.
What to examine before applying
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
Other cards to examine
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Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.