CIBC Aeroplan Visa Infinite Privilege
Niche cardWhat the roles mean
- Frequent Air Canada flyers: Maple Leaf Lounge access, a yearly Companion Pass and 2 points per $1 on Air Canada
Welcome offer now
Up to 100,000 Aeroplan points — "up to $3,200 in value"
Checked on CIBC's own page October 21, 2026. See CIBC's page
What it earns in a year
43,200 points a year
Worth about −$167 after the $599 fee at the simplest redemption, up to $265 at the best.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Travel (First $100,000 a year, then 1.25× points): 2× points.
- Groceries (First $100,000 a year, then 1.25× points): 1.5× points.
- Gas / EV (First $100,000 a year, then 1.25× points): 1.5× points.
- Dining & restaurants (First $100,000 a year, then 1.25× points): 1.5× points.
- Everything else: 1.25× points.
Highlighted = use this card here.
Using your points
On the spending above, 43,200 points a year: worth $432 the easy way, $864 the best way.
- Easy way (1¢): Gift cards, merchandise or paying toward a cash fare
- Best way (2¢): Economy flights, best on Star Alliance partners. Business class on partners can reach 3–8¢
How to apply for the CIBC Aeroplan Visa Infinite Privilege
Check first
- One Aeroplan bonus per card type: not if you've already had a welcome bonus on an Aeroplan card of the same type, from CIBC or another bank
- No bonus on a switch: transfers and product changes from other CIBC cards don't qualify
- Check you qualify Income: $150,000 personal or $200,000 household. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on CIBC's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on CIBC's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Air Canada, booked directly: 2 points per $1
- Groceries, gas, travel, dining: 1.5 points per $1
- Everything else: 1.25 points per $1
- Welcome bonus: $1,000 in 2 statements (10,000), $5,000 in 4 statements (40,000), $25,000 in 12 statements (50,000)
- Companion Pass: spend $25,000 each card year to earn it again
- From January 12, 2027: fee rises to $699 ($159 per extra card). You can cancel at no cost until February 11, 2027
- Example: $800/month groceries + $250/month gas + $250/month dining + $300/month bills = 27,900 points a year, about $558 at ~2¢ a point (our estimate). Less than the fee on its own
Key facts
- Annual fee
- $599Rises to $699 on January 12, 2027
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- $150,000
- Min. household income
- $200,000
- Rewards
- AeroplanSee every Aeroplan card
Annual fee waiver
- CIBC Smart Account, Tier 3: up to $139 a year back, plus up to $50 for each of 3 extra cards
- The catch: Tier 3 needs $100,000 on average across CIBC deposits and investments, and still leaves $460 to pay ($560 from January 12, 2027)
- Tier 2 ($40,000–$99,999): only $50 back
- From January 1, 2027: the rebate is no longer automatic; Tier 3 gets it only by picking it instead of 3 CIBC Smart Benefits (Tier 2: instead of 2)
- The card must be used: at least $1 of spending in the last 12 months
From cibc.com product page, checked October 17, 2026. Not an affiliate link.
More CIBC cards
CIBC Aeroplan VisaNo annual fee
CIBC Aeroplan Visa Infinite$139 fee
CIBC Aventura VisaNo annual fee
CIBC Aventura Visa Infinite$139 fee
CIBC Aventura Gold Visa$139 fee
CIBC Aventura Visa Infinite Privilege$499 fee
CIBC Dividend VisaNo annual fee
CIBC Costco MastercardNo annual fee
CIBC Dividend Visa Infinite$120 fee
CIBC Dividend Platinum Visa$99 fee
CIBC Adapta MastercardNo annual fee
Best paired with
Neo World Elite Mastercard
- This card: dining & restaurants, travel, transit, drugstore / pharmacy, entertainment, everything else
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions
- Together: $164 a year after both fees, vs −$167 with this card alone
- With this card's $599 fee rebated (see Fee waiver): $763 a year
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, transit, entertainment makes it $339 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- Up to 100,000 points, CIBC says "up to $3,200 in value"
- Maple Leaf Lounges in Canada and the US for you and each extra cardholder; worldwide from January 12, 2027
- 6 free visits a year at 1,200+ other airport lounges
- Annual Companion Pass: base fare from $99 to $599, plus taxes
- Free checked bag and priority boarding for you and up to 8 companions
- Faster status: 1,000 Status Qualifying Credits per $5,000 spent (up to 25,000 a year)
- Travel medical for 31 days (under 65) and trip interruption up to $5,000 per person
Cons
- $599 a year, not rebated in year one; $699 from January 12, 2027
- Income: $150,000 personal or $200,000 household
- Half the bonus needs $25,000 of spending in year one
- 2x and 1.5x stop after $100,000 of total card spending a year
- Lounge guest benefit runs to December 31, 2026; the January 2027 changes bring a guest back
- 2.5% on foreign-currency purchases
- No welcome bonus if you already got one on an Aeroplan card of the same type, from CIBC or another bank
Insurance included
- Travel medical: $5 million, first 31 days if under 65, first 10 days if 65+
- Trip cancellation: $2,500 per person ($10,000 per account)
- Trip interruption: $5,000 per person ($25,000 per account)
- Flight delay: $500 per person, after 4 hours
- Delayed bags: $500 per person, after 6 hours
- Lost bags: $1,000 per person ($2,500 per account)
- Hotel burglary: $2,500
- Rental car damage: up to 48 days, cars up to $100,000
- Phone: $1,500 for loss, theft or damage
- Travel accident: $500,000
- Purchases: 180 days of theft/damage cover, triple warranty up to +2 years
Maximums as CIBC lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Lounges: Maple Leaf Lounges + 6 visits a year at other lounges worldwide
- Companion Pass: once a year, after $25,000 of spending
- From January 12, 2027: $50 Air Canada Flight Benefit twice a year, priority security at select airports
- NEXUS: application fee rebated once every 4 years
- Hyatt: 2 points per $1 until July 15, 2029, plus Discoverist status when you link accounts
Other cards for travel
Back a year on $2,400 of travel, caps included. Points at best-case value. Before annual fees.
| Card | Earns on travel | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Marriott Bonvoy American Express | 5× points≈ 7.0% in value | $168 | $120 | October 21, 2026 |
| CIBC Aventura Visa Infinite Privilege | 3× points≈ 6.0% in value | $144 | $499 | October 21, 2026 |
| Amex Aeroplan Reserve | 3× points≈ 6.0% in value | $144 | $599 | October 21, 2026 |
| Scotiabank Scene+ Visa | 4× points | $96 | $0 | November 2, 2026 |
| Scotiabank Amex | 4× points | $96 | $0 | November 2, 2026 |
| Amex Aeroplan | 2× points≈ 4.0% in value | $96 | $120 | October 21, 2026 |
| CIBC Aeroplan Visa Infinite Privilege | 2× points≈ 4.0% in value | $96 | $599 | October 21, 2026 |
Other cards for groceries
Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.
| Card | Earns on groceries | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $960 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 6× points | $576 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 5% back | $480 | $149 | October 21, 2026 |
| National Bank World Elite Mastercard | 5× points | $480 | $150 | October 21, 2026 |
| Desjardins Cash Back World Elite Mastercard | 4% back | $384 | $100 | October 23, 2026 |
| SimplyCash Preferred | 4% back | $384 | $120 | October 21, 2026 |
| CIBC Aeroplan Visa Infinite Privilege | 1.5× points≈ 3.0% in value | $288 | $599 | October 21, 2026 |
How the offer has changed
One row per check of CIBC's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 21, 2026 | Unchanged: up to 100,000 Aeroplan points (10,000 on $1,000 in first 2 statements + 40,000 on $5,000 in first 4 statements + 50,000 anniversary bonus on $25,000 in first 12 statements). "Up to $3,200 in value." For approvals beginning July 16, 2026Offer, footnotes, rates and the January 12, 2027 fee rise ($699, AU $159) unchanged. Smart Account fee-rebate change announced: from January 1, 2027 the automatic credit-card annual fee rebate is discontinued and replaced by CIBC Smart Benefits (Tier 2 may choose the up-to-$50 rebate instead of 2 benefits; Tier 3 the up-to-$139 + $50 per AU rebate instead of 3 benefits); Smart Account Tier 1 fee $16.95 → $17.95/mo. | $599, not rebated (AU $149) | none stated |
| October 17, 2026 | Unchanged: up to 100,000 Aeroplan points (10,000 on $1,000 in first 2 statements + 40,000 on $5,000 in first 4 statements + 50,000 anniversary bonus on $25,000 in first 12 statements). "Up to $3,200 in value." For approvals beginning July 16, 2026Fee rises to $699 (AU $159) from January 12, 2027. Our data corrected from issuer footnotes: bonus earn capped at $100,000/yr; status = 1,000 SQC per $5,000; car rental MSRP up to $100,000; Hyatt 2x; Smart Account rebate up to $139 | $599, not rebated (AU $149) | none stated |
General information, not financial advice. Offers change; confirm on CIBC's page before you apply.