CIBC Aeroplan Visa Infinite
Churning cardWhat the roles mean
- The welcome bonus: up to 50,000 Aeroplan points, year-one fee rebated, plus a free checked bag on Air Canada
Welcome offer now
Up to 50,000 Aeroplan points + first-year annual fee rebate — "up to $1,300 in value."
Checked on CIBC's own page October 21, 2026. See CIBC's page
What it earns in a year
37,500 points a year
Worth about $236 after the $139 fee at the simplest redemption, up to $611 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 →
- Gas / EV (First $80,000 a year, then 1× points): 1.5× points.
- Groceries (First $80,000 a year, then 1× points): 1.5× points.
- Travel (First $80,000 a year, then 1× points): 1.5× points.
- Everything else: 1× points.
Highlighted = use this card here.
Using your points
On the spending above, 37,500 points a year: worth $375 the easy way, $750 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
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: $60,000 personal or $100,000 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
- First 6 statements: spend $6,000 for 25,000 points (10,000 on first purchase + 15,000)
- First 12 statements: reach $12,000 for the last 25,000. They post at the one-year mark, so cancelling earlier loses them
- Groceries, gas, EV charging, Air Canada direct: 1.5 points per $1
- Everything else: use a card that pays more than 1 point per $1
- From January 12, 2027: fee rises to $159 ($80 per extra card). You can cancel at no cost until February 11, 2027
- Example: $800/month groceries + $250/month gas + $550/month dining and bills = 25,500 points a year, about $510 in flights at ~2¢ a point (our estimate)
Posts about this card
Key facts
- Annual fee
- $139Rises to $159 on January 12, 2027
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- $60,000
- Min. household income
- $100,000
- 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
- Tier 2 ($40,000–$99,999): only $50 back, primary card only
- After January 12, 2027: Tier 3 still leaves $20 of the $159 fee to pay
- 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 Privilege$599 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: $576 a year after both fees, vs $236 with this card alone
- With this card's $139 fee rebated (see Fee waiver): $715 a year
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, transit, entertainment makes it $761 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 50,000 points, CIBC says "up to $1,300 in value"
- Year-one fee rebated for you and up to 3 extra cards (up to $189)
- Free first checked bag for you and up to 8 companions on the same Air Canada booking
- 1.5 points per $1 at participating Hyatt hotels until July 15, 2029
- Travel medical $5 million and a $1,000 phone cover
- Points do not expire while you hold a CIBC Aeroplan card
Cons
- 1 point per $1 on everything else
- $139 a year from year two, $159 from January 12, 2027
- 1.5x stops after $80,000 of total card spending a year
- Half the bonus needs $12,000 of spending in year one
- No lounge access
- 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 15 days if under 65, first 3 days if 65+
- Trip cancellation: $1,500 per person ($5,000 per account)
- Trip interruption: $2,000 per person
- Flight delay: $500 per account, after 4 hours
- Delayed bags: $500 per person, after 6 hours
- Lost bags: $500 per person
- Hotel burglary: $2,500
- Rental car damage: up to 48 days, cars up to $85,000
- Phone: $1,000 for loss, theft or damage
- Travel accident: $500,000
- Purchases: 90 days of theft/damage cover, +1 year warranty
Maximums as CIBC lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Air Canada: free first checked bag for you and up to 8 companions
- From January 12, 2027: $25 Air Canada Flight Benefit twice a year, 15% off the points price of eligible flight rewards
- Status: 1,000 Status Qualifying Credits per $20,000 spent (up to 25,000 a year)
- Avis Preferred Plus: free status for the primary cardholder
- Visa Infinite: concierge, Luxury Hotel Collection, dining events
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 | 1.5× points≈ 3.0% in value | $288 | $139 | October 21, 2026 |
Other cards for gas / ev
Back a year on $3,000 of gas / ev, caps included. Points at best-case value. Before annual fees.
| Card | Earns on gas / ev | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| SimplyCash Preferred | 4% back | $120 | $120 | October 21, 2026 |
| Amex Cobalt | 2× points≈ 4.0% in value | $120 | $192 | October 21, 2026 |
| Amex Gold Rewards | 2× points≈ 4.0% in value | $120 | $250 | October 21, 2026 |
| CIBC Aventura Visa Infinite Privilege | 2× points≈ 4.0% in value | $120 | $499 | October 21, 2026 |
| CIBC Dividend Visa Infinite | 4% back≈ 3.9% in value | $118 | $120 | October 21, 2026 |
| BMO eclipse Visa Infinite | 5× points≈ 3.4% in value | $101 | $120 | October 21, 2026 |
| CIBC Aeroplan Visa Infinite | 1.5× points≈ 3.0% in value | $90 | $139 | 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 50,000 Aeroplan points (10,000 first purchase + 15,000 on $6,000 in first 6 statements + 25,000 anniversary bonus on $12,000 in first 12 statements) + first-year fee rebate. "Up to $1,300 in value." For approvals beginning July 16, 2026Offer, footnotes, rates and the January 12, 2027 fee rise ($159, AU $80) 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. | $139, rebated yr 1 (primary + up to 3 AUs at $50) | none stated |
| October 17, 2026 | Unchanged: up to 50,000 Aeroplan points (10,000 first purchase + 15,000 on $6,000 in first 6 statements + 25,000 anniversary bonus on $12,000 in first 12 statements) + first-year fee rebate. "Up to $1,300 in value." For approvals beginning July 16, 2026Fee rises to $159 (AU $80) from January 12, 2027. Our data corrected from issuer footnotes: 1.5x earn capped at $80,000/yr; status = 1,000 SQC per $20,000; car rental MSRP up to $85,000; Hyatt 1.5x; Smart Account fee rebate | $139, rebated yr 1 (primary + up to 3 AUs at $50) | none stated |
| September 7, 2026 | Unchanged25k is an *anniversary* bonus: posts at month 12, forfeited if cancelled earlier | $139, rebated yr 1 | none stated |
| July 31, 2026 | Unchanged (full audit) | $139, rebated yr 1 | — |
| June 14, 2026 | Up to 50,000 pts: 10k first purchase + 15k ($6,000 / 6 statements) + 25k anniversary ($12,000 / 12 statements). "Up to $1,300 in value." | $139, rebated yr 1 (primary + up to 3 AUs) | none stated |
General information, not financial advice. Offers change; confirm on CIBC's page before you apply.