Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

CIBC Aeroplan Visa cards

Dreaming of your next vacation? Collect and redeem Aeroplan Points faster with a CIBC Aeroplan Visa. 

Whether you’re a frequent flyer or planning your first trip overseas, you might want to check out the suite of Aeroplan Visas on offer from CIBC. These cards let you earn a decent return on Aeroplan points (formerly called Aeroplan Miles) for every purchase you make, plus double the points when you shop with Aeroplan partners.

How do CIBC Aeroplan Visa cards work?

CIBC offers 3 main classes of Aeroplan Visas: basic, premium and business. The number of points you can earn with each card depends on how much you pay for your annual fee.

  • Basic. Basic cards include the CIBC Aeroplan Visa Card and the CIBC Aeroplan Visa for Students. Both come with no annual fee and offer a small welcome bonus, a decent return on points and a mix of basic benefits. These include purchase protection, common carrier insurance and car rental insurance.
  • Premium. Premium cards include the CIBC Aeroplan Visa Infinite Card and the CIBC Aeroplan Visa Infinite Privilege Card card. These types of cards have annual fees ranging between $139 and $599 per year, and come with numerous travel perks and benefits. These can include travel medical, trip interruption/cancellation, flight delay, hotel burglary and car rental insurance. You’ll also get a handful of everyday perks like mobile device insurance when you sign up.
  • Business. Business cards include the CIBC Aeroplan Visa Business Card and the CIBC Aeroplan Visa Business Plus Card card. They can cost around $180 and $120, and come with low interest rates and a top-up on extra cards for employees. They can also give you a higher return on points when you purchase business supplies, and they include comprehensive travel insurance and travel perks.

What Aeroplan credit cards does CIBC offer?

What are the best CIBC Aeroplan Visa credit cards?

Best for no annual fee: CIBC Aeroplan Visa Card

20.99%
Purchase Interest Rate
$0
Annual Fee
Unknown
Min. Recommended Credit Score
The CIBC Aeroplan Visa Card is the only CIBC Aeroplan credit card with a $0 annual fee. It also offers a nice welcome bonus: Snag 10,000 Aeroplan points when you sign up and make your first purchase. You'll receive some solid ongoing rewards too. Earn 1 Aeroplan point for every dollar spent on gas and groceries as well as on Air Canada and Air Canada Vacations purchases. Earn 1 Aeroplan point for every $1.50 spent on everything else. You’ll also get travel benefits like car rental collision or damage coverage and common carrier accident insurance when you sign up.
Annual Fee $0
Additional Cardholder Fee $0
Min. Credit Score Unknown
Purchase Interest Rate 20.99%
Cash Advance Rate 22.99%
Interest Free Period 21 days
Balance Transfer Rate 22.99%
Foreign Transaction Fee 2.5%
Pros
  • $0 annual fee.
  • Earn 1 Aeroplan point for every dollar spent on gas and groceries as well as on Air Canada and Air Canada Vacations purchases. Earn 1 Aeroplan point for every $1.50 spent on everything else.
  • Earn points twice when you spend with Aeroplan partners or shop with retailers in Aeroplan’s online eStore.
  • Obtain 10,000 Aeroplan points when you make your first purchase.
  • You'll receive car rental collision or damage coverage and common carrier accident insurance.
  • Purchase protection coverage for up to 90 days
  • Extended warranty coverage of up to one additional year following the expiry of the original manufacturer’s warranty.
What to watch out for
  • You won’t collect as many points with this card as you will with more premium cards that come with an annual fee.
  • You won’t be able to earn cashback and your points will be locked into Aeroplan’s reward program.
  • This card doesn’t come with comprehensive travel insurance such as travel medical or trip interruption/cancellation insurance.

Best for high return on miles: CIBC Aeroplan Visa Infinite Card

20.99%
Purchase Interest Rate
$139
Annual Fee
Unknown
Min. Recommended Credit Score
The CIBC Aeroplan Visa Infinite Card offers a full suite of travel benefits along with a decent return on Aeroplan points. Earn 1.5 Aeroplan points for every dollar spent on gas, grocery and Air Canada and Air Canada Vacations purchases. Earn 1 point for every dollar spent elsewhere. Get up to 20,000 Aeroplan points and earn a Buddy Pass, plus get a first-year annual fee rebate if you have a CIBC Smart Plus Account.
Annual Fee $139
Additional Cardholder Fee $50
Min. Credit Score Unknown
Purchase Interest Rate 20.99%
Cash Advance Rate 22.99%
Interest Free Period 21 days
Balance Transfer Rate 22.99%
Foreign Transaction Fee 2.5%
Pros
  • Earn 1.5 Aeroplan points for every dollar spent on gas, grocery and Air Canada and Air Canada Vacations purchases. Earn 1 point for every dollar spent elsewhere.
  • Get up to 20,000 Aeroplan points and earn a Buddy Pass, plus get a first-year annual fee rebate if you have a CIBC Smart Plus Account.
  • Your first checked bag is free for the primary cardholder, authorized users and up to 8 companions (up to a maximum of 9 travellers) when your trip begins on an Air Canada flight.
  • Travel insurance includes car rental, common carrier accident, flight delay and baggage, mobile device (up to $1,000), hotel burglary (up to $2,500) and enhanced trip cancellation (up to $1,500) coverage.
  • Receive out-of-province emergency travel medical coverage of up to $5,000,000 for 15 days if you are 64 years old or younger, and for 3 days if older than 64.
What to watch out for
  • This card comes with an annual fee of $139.
  • You’ll need to make at least $60,000 or a combined household income of $100,000 per year to qualify for this card.

Best for business purchases: CIBC Aeroplan Visa Business Card

12.99%
Purchase Interest Rate
$180
Annual Fee
300
Min. Recommended Credit Score
The CIBC Aeroplan Visa Business Card is a mid-level card designed for small business owners. Earn 1.5 Aeroplan points for every dollar spent on shipping, Internet, cable, phone services, travel and dining. Earn 2 Aeroplan points for every dollar spent on Air Canada and Air Canada Vacations purchases. Earn 1 Aeroplan point for every dollar spent on all other purchases. Plus, Earn points twice
at over 150 Aeroplan partners and over 170 online retailers through the Aeroplan eStore. On top of a decent return on points, this card comes with a low interest rate, a generous welcome bonus and a decent spread of travel benefits.
Annual Fee $180
Additional Cardholder Fee $50
Min. Credit Score 300
Purchase Interest Rate 12.99%
Cash Advance Rate 14.5%
Balance Transfer Rate 14.5%
Pros
  • Earn 1.5 Aeroplan points for every dollar spent on shipping, Internet, cable, phone services, travel and dining. Earn 2 Aeroplan points for every dollar spent on Air Canada and Air Canada Vacations purchases. Earn 1 Aeroplan point for every dollar spent on all other purchases. Plus, Earn points twice
  • at over 150 Aeroplan partners and over 170 online retailers through the Aeroplan eStore.
  • Low purchase interest rate of 12.99%
  • Earn up to 60,000 Aeroplan points, plus receive a Bonus Companion Pass/Buddy Pass with Air Canada and a first-year annual fee rebate.
  • You'll be charged a relatively low cash advance rate of only 14.5%.
  • Your first checked bag is free for the primary cardholder, authorized users and up to 8 companions (up to a maximum of 9 travelers) when your trip begins on an Air Canada flight.
  • You could get one Maple Leaf Lounge Guest Pass for every $10,000 you spend (up to 4 passes per year).
  • Travel coverage includes car rental collision or damage, flight delay and baggage, trip cancellation and common carrier accident insurance.
What to watch out for
  • You'll have to pay a $180 annual fee.
  • There’s no coverage for travel medical when you travel outside of province.

How to compare CIBC Aeroplan Visa cards

If you think that a CIBC Aeroplan Visa could be the right fit for you, you should start by comparing cards for some of the following features.

  • Return on points. Aim for the CIBC Aeroplan credit card that gives you the highest return for an annual fee that fits your budget.
  • Welcome bonuses. Sign up for the card that gives you the biggest welcome bonus, since this can often amount to a year’s worth of miles or more.
  • Perks and benefits. Figure out what kind of perks you want and settle on the card that offers the best combination of benefits to meet your needs.
  • Interest rates. Do the math to find out how much you’ll have to pay in interest on outstanding balances and avoid paying more than 19.99%.
  • Fees. Find out how much you’ll have to pay to maintain your card and read the fine print to see what other fees you might get stuck with for using your card.
  • Minimum income. Consider your annual income and decide which card fits with your lifestyle and budget.

How to earn Aeroplan points on your CIBC Aeroplan Visa

It’s easy to earn Aeroplan points when you spend money on your CIBC Aeroplan Visa. The number of points you can collect will depend on whether you have a basic or premium card. If you want to maximize the number of points you earn, you can try the following:

  • Find the best Aeroplan credit card. Compare your credit card options to make sure you get the card that gives you the most points at the places you shop most frequently.
  • Pay more for a premium credit card. Get a higher return on points along with a suite of travel benefits when you sign up for a premium card.
  • Shop at partner stores. Shop with partner stores to earn additional points or take advantage of special promotions on select purchases.
  • Shop online at Aeroplan’s eStore. Earn extra points with hundreds of brands when you make purchases through Aeroplan’s eStore.
  • Track down the best welcome offer. Look for a card that will give you a generous welcome bonus when you sign up.
  • Order additional cards. Order additional cards for your loved ones to use so they can help you earn points faster.

How to redeem your Aeroplan points

After you’ve built up points on your CIBC Aeroplan Visa card, you can cash and exchange them for travel or other rewards using your Aeroplan account. You just need to sign into the Aeroplan main page with your Aeroplan number and password. From there, you can book travel, merchandise, gift cards and more through Aeroplan’s online catalogue.

If you’re not so tech-savvy, you can give Aeroplan a call to find out more about your online account. They’ll be able to help you access your points and give you more information about what rewards you can qualify for.

What other rewards can I get with my CIBC Aeroplan card?

You’ll be able to qualify for different rewards based on how many points you have to exchange. Some of the most common rewards include the following:

  • Flights. Get the best return on rewards when you redeem them for flights.
  • Hotels. Earn additional points with partner hotels when you redeem your points for budget and luxury accommodation.
  • Car rentals. Get discounts on your next car rental when you use your Aeroplan points to make your booking.
  • Experiences. Use your Aeroplan points to get tickets to popular shows, tourist attractions and other in-demand activities.
  • Merchandise. Redeem your points for reputable brands and products from Aeroplan’s online eStore.
  • Gift cards. Cash your points in to get gift cards for a wide selection of your favourite stores.
  • Charitable donations. Transfer your points into a cash donation for the worthy charity of your choice.

Deciding if an Aeroplan card is the right fit for you

Aeroplan is one of several frequent flyer programs to choose from in Canada. Before you get an Aeroplan credit card, you should consider whether this is the best fit for you. Some of the features you might want to compare for each program include the following:

  • Partner companies. Try to find the frequent flyer program that works with the largest number of stores that you shop at most often.
  • Partner airlines. Aim to sign up for the program that works with the largest network of airlines since this could impact when and where you can fly to with your rewards.
  • Available rewards. Check out each program’s “rewards store” to find out what you can use your points to purchase.

Compare other Aeroplan credit cards

1 - 3 of 3
Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
American Express Aeroplan Card
50,000 points
Up to 2x points
30% annual interest rate applies to balances not paid in full each month
$120
Min. recommended credit score: 700
Earn up to 50,000 welcome bonus Aeroplan points. New Cardmembers can earn up to $1,100 in value within the first year.
American Express Aeroplan Reserve Card
85,000 points
Up to 3x points
19.99%
$599
Min. recommended credit score: 700
Earn up to 85,000 welcome bonus Aeroplan points. New Cardmembers can earn up to $2,700 in value within the first year.
American Express Aeroplan Business Reserve Card
85,000 points
Up to 3x points
16.99%
$599
Min. recommended credit score: 700
Earn up to 85,000 welcome bonus Aeroplan points. New cardholders can earn up to $2,700 or more in value within the first year.
loading

Compare up to 4 providers

Bottom line

You can sign up for a number of basic, premium and business CIBC Aeroplan Visa cards. One way to earn more points is to pay a higher annual fee on your credit card and target your spending with Aeroplan partners.

Looking to learn more about Aeroplan credit cards? Head to our full guide here.

Frequently asked questions

More guides on Finder

Go to site