The ClearFin bottom line
✈️ Aeroplan Elite
Its strongest published earn rate in our data is 1.5% on dining. The $599 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 Privilege
Start with up to 100,000 Aeroplan Points, worth about $2,000.
Independent comparisonFees includedCanadian card data
- Annual fee
- $599
- Reward type
- Aeroplan
- Welcome offer
- 100,000 pts
- Insurance
- Not listed
Current new-cardmember offer
Confirm with the issuer
✈️ Aeroplan Elite
Welcome bonus
Up to 100,000 Aeroplan PointsEstimated value: $2,000
How to earn it
- 10,000 Aeroplan pointsSpend $1,000 or more during the first 2 monthly statement periods.
- 40,000 Aeroplan pointsSpend $5,000 or more during the first 4 monthly statement periods.
- 50,000 Aeroplan pointsAccumulate at least $25,000 in eligible net purchases during the first 12 monthly statement periods and keep the account open and in good standing until the one-year anniversary.
Offer details
Offer available to new CIBC Aeroplan Visa Infinite Privilege cardholders approved beginning April 7, 2026. You may not be eligible if you have previously received a welcome, additional, or anniversary bonus on an Aeroplan credit card of the same category from CIBC or another issuer. Account must be open and in good standing when points are awarded.
How you earn
- 2 Aeroplan points per $1 spent directly with Air Canada, including Air Canada Vacations
- 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 eligible travel purchases
- 1.5 Aeroplan points per $1 spent on eligible dining purchases
- 1.25 Aeroplan points per $1 spent on all other purchases
- Earn Aeroplan points twice at over 150 Aeroplan partner brands
- Earn Aeroplan points twice at more than 170 retailers through the Aeroplan eStore
- Earn 1,000 Status Qualifying Credits (SQC) for every $5,000 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$599
Purchase interest20.99%
Cash advance interest22.99%
Foreign transaction fee2.5%
Income requirement$150,000Issuer approval criteria apply
Household income$200,000Alternative minimum
Recommended credit score760+ Excellent
The CIBC Aeroplan Visa Infinite Privilege Card is a premium travel credit card with a high annual fee, a minimum credit limit requirement, and substantial income requirements. It is generally intended for high-income applicants with established credit histories and strong overall credit profiles.
300Poor
560Fair
660Good
725Very Good
760+Excellent
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 Privilege tier, minimum income requirements, and premium positioning. CIBC does not publish a minimum credit score requirement. Approval also depends on factors such as income, credit history, debt obligations, payment history, credit utilization, and overall financial profile.
Reward limits: The CIBC Aeroplan Visa Infinite Privilege Card does not have published spending caps on its standard earn rates. Cardholders earn 2 Aeroplan points per $1 spent directly with Air Canada, including Air Canada Vacations. Eligible gas, electric vehicle charging, grocery, travel, and dining purchases earn 1.5 Aeroplan points per $1. All other purchases earn 1.25 Aeroplan points per $1. The card also provides 1,000 Aeroplan Status Qualifying Credits (SQC) for every $5,000 in eligible net purchases, up to 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.
Unlimited Maple Leaf Lounge Access
Unlimited access to Air Canada Maple Leaf Lounges and Air Canada Cafés in North America for the primary cardholder, with guest privileges.
Visa Airport Companion Program
Receive 6 complimentary lounge visits annually at more than 1,200 airport lounges worldwide through the Visa Airport Companion Program.
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.
Priority Airport Services
Enjoy Priority Check-in, Priority Boarding, and Priority Baggage Handling when flying with Air Canada.
Annual Worldwide Companion Pass
Earn an Annual Worldwide Companion Pass after spending $25,000 annually, allowing a companion to travel on a fixed base fare plus taxes and fees.
NEXUS Fee Rebate
Receive a statement credit for one NEXUS application fee every 4 years.
Preferred Aeroplan Pricing
Access preferred flight reward pricing and often redeem fewer Aeroplan points on eligible Air Canada flights.
Aeroplan Hotel Benefit
Get a fourth hotel night free when redeeming Aeroplan points for stays of four consecutive nights or longer.
Show all 25 benefitsShow fewer
Status Qualifying Credit Boost
Earn 1,000 Aeroplan Status Qualifying Credits for every $5,000 in eligible purchases, up to 25,000 SQC annually.
Extended eUpgrade Validity
Aeroplan Elite members receive an additional 12 months to use newly issued eUpgrade credits, for a total validity period of 24 months.
Avis President's Club Status
Complimentary Avis President's Club membership with vehicle upgrades, expedited service, priority support, and additional rental benefits.
Visa Infinite Privilege Concierge
Access 24/7 Visa Infinite Privilege concierge services for travel, dining, entertainment, and lifestyle assistance.
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
Coverage against theft, accidental damage, loss, or mechanical breakdown of eligible mobile devices.
Car Rental Collision and Loss Damage Insurance
Coverage for eligible rental vehicles when the full rental cost is charged to the card.
Hotel Burglary Insurance
Coverage for loss of personal property resulting from burglary while staying at eligible hotel accommodations.
Purchase Security and Extended Warranty
Protection against theft, loss, or damage on eligible purchases and an extension of the manufacturer's warranty.
Common Carrier Accident Insurance
Accidental death and dismemberment coverage while travelling on eligible common carriers.
Aeroplan Family Sharing
Combine Aeroplan points with eligible household members to redeem rewards faster.
Points Never Expire
Aeroplan points remain active as long as the primary cardholder continues to hold an eligible Aeroplan credit card.
Skip+ Membership
Complimentary Skip+ membership with eligible linked card, including delivery fee savings and monthly vouchers.
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
- Exceptional Aeroplan earning rates
- Unlimited Maple Leaf Lounge access
- Free first checked bag for up to 9 travellers
- Priority Air Canada airport services
- Annual Worldwide Companion Pass opportunity
- Comprehensive travel insurance coverage
- NEXUS fee rebate
- Strong airport lounge benefits
Worth noting
- High annual fee
- Very high income requirement
- Foreign transaction fee
- Companion pass requires significant spending
- Premium benefits primarily favour Air Canada travellers
- High authorized user fee
- Aeroplan rewards require travel-focused redemptions for maximum value
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
✈️ Aeroplan Elite
2x Aeroplan on Air Canada. 1.5x on gas, EV, groceries, travel & dining. 1.25x on everything else.
How the rewards work
Dining, Groceries, Gas, Travel receive the strongest estimated return at 1.5%. Purchases outside the accelerated categories earn an estimated 1.3%.
What the annual cost means
Using the strongest estimated category return alone, roughly $39,950 in annual spending at that rate would equal the $599 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 dining and groceries 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.
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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.