Independent ClearFin review · CIBC
Start with up to 10,000 Aeroplan Points, worth about $190.
Current new-cardmember offer
Confirm with the issuer
✈️ No-Fee AeroplanIts strongest published earn rate in our data is 1.0% on groceries. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-09 · Official issuer catalogueHow to earn it
Offer available to new CIBC Aeroplan Visa cardholders. Account must be open and in good standing at the time bonus points are awarded. Additional terms and conditions apply.
Confirm final approval criteria and current rates directly with the issuer.
The CIBC Aeroplan Visa Card is an entry-level Aeroplan travel rewards card with no annual fee and a relatively low household income requirement. It is generally suited for applicants with fair to good credit who want to earn Aeroplan points without paying an annual fee.
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 market positioning and income requirements. CIBC does not publish a minimum credit score requirement. Approval decisions also consider factors such as income, credit history, existing debt, payment history, employment status, and overall creditworthiness.
Reward limits: The CIBC Aeroplan Visa Card does not have published spending caps on its standard earn rates. Cardholders earn 1 Aeroplan point 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 $1.50 spent. CIBC does not publish any monthly, annual, or lifetime caps on Aeroplan points earned through regular spending.
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.
Preferred Aeroplan Pricing
Primary cardholders can often redeem fewer Aeroplan points for eligible Air Canada flight rewards.
Aeroplan Hotel Benefit
Receive a fourth hotel night free when redeeming Aeroplan points for stays of four consecutive nights or longer at participating hotels.
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.
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 Insurance
Eligible purchases are protected against loss, theft, or damage for up to 90 days from the purchase date.
Extended Protection Insurance
Extends the original manufacturer's warranty by up to one additional year on eligible purchases.
Common Carrier Accident Insurance
Accidental death and dismemberment coverage while travelling on eligible common carriers.
Journie Rewards Fuel Savings
Save up to 10 cents per litre at participating gas stations by linking your card with Journie Rewards.
Skip+ Membership
Complimentary Skip+ membership with eligible linked card, including $0 delivery fees and monthly voucher opportunities.
Disney+ Statement Credit Offer
Eligible cardholders may receive promotional statement credits on qualifying Disney+ subscriptions.
Global Money Transfer
Send money to more than 120 countries with no transfer fee through CIBC Global Money Transfer.
CIBC Pace It
Convert eligible purchases into fixed monthly installment plans with predictable payments.
Fraud Alerts
Receive proactive notifications when potentially suspicious transactions are detected.
Digital Disputes Platform
Report and dispute unauthorized transactions directly through CIBC Online Banking or the CIBC Mobile App.
Card Management Tools
Activate cards, lock a missing card, report a lost or stolen card, and manage card settings through digital banking.
Spend Alerts
Set customized alerts to monitor spending activity and receive notifications when approaching spending thresholds or credit limits.
No included coverage is verified in ClearFin's current catalogue.
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 ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
1x Aeroplan on gas, EV, groceries & Air Canada. 1 pt per $1.50 on everything else. No annual fee.
Groceries, Gas, Travel receive the strongest estimated return at 1.0%. Purchases outside the accelerated categories earn an estimated 0.67%.
There is no annual fee to recover, which can make the card easier to keep for credit-history length or occasional use. Interest and other transaction fees can still apply.
This card is most relevant for someone who spends consistently on groceries and gas and prefers to avoid a yearly fee.
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. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.
