Independent ClearFin review · CIBC
Start with up to 50,000 Aeroplan Points + First Year Annual Fee Rebate, worth about $1,139.
First year free
Current new-cardmember offer
Certificate terms apply
✈️ Aeroplan MilesIts 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 · Product page and insurance certificateHow to earn it
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.
Confirm final approval criteria and current rates directly with the issuer.
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.
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
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.
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.
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.
8 coverages listed. Key terms are summarized below; full certificate terms apply.
Up to $5,000,000 per insured person per trip; 15 days if age 64 or under and 3 days if age 65 or over on departure.
Trip Cancellation up to $1,500 per insured person (maximum $5,000 per trip); Trip Interruption and Trip Delay up to $2,000 per insured person per trip.
Eligible rental cars with MSRP up to $85,000 and rental periods up to 48 days, subject to certificate terms.
Up to $500,000 per insured person for eligible accidental death or dismemberment while travelling on a common carrier.
Flight Delay up to $500 per occurrence for all insured persons combined; delayed and lost/stolen baggage have separate limits under the certificate.
Purchase Security covers eligible items for up to 90 days; Extended Protection may add up to one year to the original manufacturer warranty.
Up to $1,000 per occurrence per insured person for eligible loss, theft or accidental damage, subject to certificate terms.
Up to $2,500 per occurrence for all insured persons combined, subject to certificate terms.
Coverage is subject to eligibility, exclusions, limits, payment requirements, and claim rules in the insurance certificate.
Review official insurance details ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
1.5x Aeroplan on gas, EV, groceries & Air Canada. 1x on everything else.
Groceries, Gas, Travel receive the strongest estimated return at 1.5%. Purchases outside the accelerated categories earn an estimated 1.0%.
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.
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.
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.
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. Official CIBC Aeroplan Visa Infinite product page, benefits guide and current insurance certificate checked October 11, 2026. Published annual fee, income requirements, current 50,000-point digital offer, Aeroplan earn structure and included insurance were verified. The 1.5x rate applies to eligible grocery, gas, EV charging and direct Air Canada purchases, not general travel.
