If Aeroplan is your loyalty program of choice, the CIBC Aeroplan Visa Infinite is one of two flagship options available to Canadians: the other being the TD Aeroplan Visa Infinite. Both cards earn Aeroplan points at identical rates and carry the same $139 annual fee. The key reason to choose CIBC over TD comes down to your existing banking relationship, specific insurance needs, and whichever card is running the stronger welcome bonus at the time you apply. It’s one of the single-card reviews on our credit card reviews hub.
For a full comparison of all Aeroplan cards, see best Aeroplan credit cards in Canada.
| Fact | Details |
|---|---|
| Card | CIBC Aeroplan Visa Infinite Card |
| Issuer | CIBC |
| Annual Fee | $139/year |
| Additional Card Fee | $50/year |
| Income Requirement | $60,000 personal or $100,000 household |
| Base Earn Rate | 1.5x direct Air Canada/AC Vacations purchases and gas/EV charging/groceries (on the first $80,000 of total card purchases a year), 1x everything else |
| Foreign Transaction Fee | 2.5% |
| Purchase Interest Rate | 21.99% |
| Cash Advance Interest Rate | 22.99% (21.99% in Quebec) |
Stable card facts (fee, income requirement, base earn rate, and any confirmed interest/FX rates) current as of 2026-10-03. Welcome/sign-up bonuses change frequently and are not included here — confirm the current offer on the issuer’s site before applying.
It’s a Visa Infinite card that earns Aeroplan points.
Welcome Bonus
CIBC frequently runs promotional welcome bonuses on the Aeroplan Visa Infinite, usually Aeroplan points after you meet a spending requirement in the first few months. Welcome bonus values change frequently, so check the current offer on CIBC’s credit cards page before applying.
To value an offer, multiply the bonus points by what an Aeroplan point is worth to you: about 1.5 cents each as a conservative valuation (redeemed for short-haul economy flights), and more when redeemed strategically for business-class international flights.
Earn Rates
| Purchase category | Points per $1 |
|---|---|
| Groceries | 1.5 points |
| Gas | 1.5 points |
| Air Canada purchases | 1.5 points |
| Everything else | 1 point |
| Eligible Aeroplan partner purchases | Bonus multiplier applies |
The 1.5x earn rate on groceries and gas rewards everyday spending, which is where most Canadian households concentrate their credit card volume. If your annual grocery and gas spending is $20,000, you earn approximately 30,000 Aeroplan points from those categories alone each year: enough for a round-trip domestic flight.
Insurance Coverage
The CIBC Aeroplan Visa Infinite includes a comprehensive travel insurance package:
- Out-of-province/country emergency travel medical: up to $5,000,000 per insured person, per trip; 15-day coverage period if age 64 or under on your departure date, 3-day coverage period if age 65 or over
- Trip cancellation: up to $1,500 per insured person, per trip ($5,000 maximum per trip for all insured persons combined)
- Trip interruption and trip delay: up to $2,000 per insured person, per trip
- Common carrier accident: up to $500,000 per insured person
- Flight delay: up to $500 per occurrence for all insured persons combined
- Delay of checked baggage: up to $500 per insured person (maximum $1,000 per occurrence for all insured persons combined)
- Lost or stolen baggage: up to $500 per insured person (maximum $1,000 per occurrence for all insured persons combined)
- Auto rental collision/loss damage waiver: rental cars with a Manufacturer’s Suggested Retail Price (MSRP) of up to $85,000, for rental periods up to 48 days
- Hotel burglary protection: up to $2,500 per occurrence for all insured persons combined
- Purchase Security and Extended Protection: items are covered against loss, theft, or damage for 90 days from purchase; manufacturer’s warranty is extended by up to 1 additional year
- Mobile device insurance: up to $1,000 per occurrence, per insured person
Source: CIBC Aeroplan Visa Infinite Certificates of Insurance (amended and restated effective July 1, 2025), checked September 14, 2026.
The travel medical insurance coverage is particularly valuable for Canadian travellers who make multiple trips outside their home province each year, since a medical emergency abroad without coverage can run into tens of thousands of dollars.
Cardholder Perks
Beyond insurance, CIBC Aeroplan cardholders receive (per cibc.com):
- Free checked baggage: first checked bag free for the cardholder, authorized users, and up to 8 companions travelling on the same Air Canada reservation
- Aeroplan status boost: 1,000 Status Qualifying Credits (SQC) for every $20,000 in eligible net purchases, up to 25,000 SQC per year
- Preferred flight redemption pricing and no airline surcharges on Air Canada flight rewards
- CIBC Visa Infinite Concierge Service: available 24/7
- Additional partner perks (subject to change without notice): World of Hyatt bonus points, a 4th-night-free hotel redemption offer, a complimentary Avis Preferred Plus upgrade, and double Aeroplan points at eStore/select partner merchants
Note: priority check-in and an annual Maple Leaf Lounge day pass are not included on the standard Aeroplan Visa Infinite: those airport benefits are reserved for the pricier CIBC Aeroplan Visa Infinite Privilege card.
Who Should Get This Card
Best fit:
- CIBC customers who want their credit card and banking under one roof
- Frequent Air Canada flyers who want Aeroplan earn with Visa acceptance
- Canadians who spend heavily on groceries and gas ($15,000+/year in those categories)
- Those who travel internationally and will use the travel medical insurance
Consider alternatives if:
- You already bank with TD: the TD Aeroplan Visa Infinite is functionally identical
- You want premium lounge access: step up to the CIBC Aeroplan Visa Infinite Privilege ($599/year) for unlimited Maple Leaf Lounge/Air Canada Café access plus 6 complimentary visits/year at 1,200+ lounges via the Visa Airport Companion Program (Dragon Pass, NOT Priority Pass)
- You shop at Costco frequently: Costco only accepts Mastercard in Canada; pair this card with the CIBC Costco Mastercard or another no-fee Mastercard for Costco spending
- You want to maximize dining and food delivery rewards: the Amex Cobalt earns 5 points per dollar on those categories
CIBC vs TD Aeroplan Visa Infinite
Since both cards are nearly identical, the comparison usually comes down to secondary factors:
| Factor | CIBC | TD |
|---|---|---|
| Annual fee | $139 | $139 |
| Base earn rate | 1.5× groceries, gas, Air Canada | 1.5× groceries, gas, Air Canada |
| Supplementary card fee | $50 | $75 |
| Priority check-in/boarding | Not included (Privilege tier only) | Yes |
| Anniversary lounge pass | Not included (Privilege tier only) | 1 Air Canada Maple Leaf Club pass |
CIBC wins on supplementary card fees ($50 vs $75), which matters for households that add a second cardholder. TD’s welcome bonus is sometimes more generous during promotional periods: always compare current offers before applying.
Verdict
The CIBC Aeroplan Visa Infinite is an excellent mid-tier travel credit card for Aeroplan collectors. Its value comes from the combination of a solid earn rate on everyday spending, comprehensive travel insurance, and Air Canada-specific perks: all for a $139 annual fee.
For CIBC customers already banking with the institution, it tends to be a natural fit. For everyone else, compare the current welcome bonus against the TD equivalent and pick whichever is running the stronger promotion.
See also: best Aeroplan credit cards in Canada · Aeroplan points guide · how Aeroplan points are valued
Sources
The figures and rules on this page come from these sources, last checked against them on October 3, 2026. How we check facts.