Independent ClearFin review · CIBC
Start with up to 10,000 Aeroplan Points, worth about $190.
Current new-cardmember offer
Confirm with the issuer
🎓 Student 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 Card for Students cardholders. Account must be open and in good standing when 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 for Students is designed specifically for Canadian and international post-secondary students, including those with limited or no established credit history. Approval standards are generally more flexible than those for standard rewards credit cards.
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 student-focused positioning. CIBC does not publish a minimum credit score requirement for this card. Students with little or no credit history may still qualify. Approval also considers factors such as student status, income, existing debt, banking relationship, and overall creditworthiness.
Reward limits: The CIBC Aeroplan Visa Card for Students 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, grocery purchases, 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 on eligible Air Canada flight rewards.
Aeroplan Family Sharing
Combine Aeroplan points with eligible household members to reach travel rewards faster.
Points Never Expire
Aeroplan points do not expire as long as the primary cardholder continues to hold an eligible CIBC Aeroplan credit card.
Flexible Flight Reward Redemptions
Every Air Canada seat available for purchase can also be booked with Aeroplan points, with no blackout dates or seat restrictions.
Cash and Points Redemption
Redeem Aeroplan flight rewards using a combination of points and cash.
No Air Canada Carrier Surcharges
Aeroplan flight rewards on Air Canada do not include additional airline surcharges.
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.
Free Skip+ Membership
Enjoy complimentary Skip+ membership with eligible card linkage, including $0 delivery fees and monthly voucher opportunities.
SPC+ Membership Access
Access student discounts and savings at participating retailers through the SPC+ program.
Disney+ Statement Credit Offer
Eligible cardholders may receive promotional statement credits on qualifying Disney+ subscriptions.
Journie Rewards Fuel Savings
Save up to 10 cents per litre at participating gas stations through Journie Rewards.
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.
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. For students.
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.
