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CIBC Aeroplan® Visa Infinite Card
Credit cards

CIBC Aeroplan® Visa Infinite Card

Updated 01.12.2022

About CIBC Aeroplan® Visa Infinite Card 

A CIBC Aeroplan® Visa Infinite Card is a premium credit card in the travel category featuring a flexible reward program. Along with travel rewards, this credit card features additional travel perks, exclusive benefits from Visa, and comprehensive insurance coverage.

New applicants can earn 20,000 welcome Aeroplan points upon meeting the spending requirements, a Buddy Pass, and a one-time annual fee rebate for primary and additional cards.

CIBC Aeroplan® Visa Infinite Card features

A CIBC Aeroplan® Visa Infinite Card provides a 20.99% purchase interest rate and 22.99% cash rate (21.99% for Quebec residents).

For using the benefits of a CIBC Aeroplan® Visa Infinite Card, you will have to pay a $139 annual fee. You can also order up to 3 additional cards for $50 per year. In addition, a special offer for new applicants provides a one-time annual fee rebate for primary and additional cards.

New CIBC Aeroplan® Visa Infinite Card clients can earn up to 20,000 welcome Aeroplan points — 10,000 Aeroplan points for making a first purchase and 10,000 upon spending $1,000 or more during the first four months. In addition, spending $1,000 or more during the first four months will bring you a Buddy Pass, allowing you to take a companion on your trip for a $0 base fare.

Along with welcome rewards, you can earn Aeroplan points at an accelerated rate when purchasing at select spending categories. For example, for purchases made with your CIBC Aeroplan® Visa Infinite Card at merchants classified by Visa as “grocery stores,” “service stations/automated gas dispensers,” as well as purchases made through Air Canada Vacations®, up to the $80,000 annual spending threshold, you will earn 1.5 Aeroplan points for $1 spent. After reaching the $80,000 yearly spending threshold, you will continue earning Aeroplan points at the regular rate (1 Aeroplan point for every $1 spent).

All other eligible purchases will bring you 1 Aeroplan point for $1 spent.

Shopping at Aeroplan eStore can bring you double amounts of Aeroplan points for purchases at over 150 Aeroplan partners and over 170 online retailers.

In addition, every $10,000 spent with your CIBC Aeroplan® Visa Infinite Card will bring you 1,000 Status Qualifying Miles and 1 Status Qualifying Segment, bringing you closer to the Aeroplan Elite™ Status.

Once you’ve earned a significant amount of Aeroplan reward points, you can redeem them towards:

  • Flights with Air Canada, with no additional airline surcharges on flight rewards 

  • Flight extras and upgrades

  • Hotels, vacations, travel experiences, and car rentals

  • Merchandise and gift cards offered at Aeroplan eStore

Here are additional travel perks of a CIBC Aeroplan® Visa Infinite Card:

  • Primary cardholders, authorized users, and up to 8 other passengers traveling on the same reservation can save on baggage fees and get a free first checked bag of up to 23kg/50lbs when flying with Air Canada

  • From time to time, CIBC Aeroplan® Visa Card can get the advantage of preferred pricing and book flight rewards using fewer Aeroplan points

A CIBC Aeroplan® Visa Infinite Card features a range of exclusive privileges from Visa, including:

  • Visa Infinite Concierge service providing assistance with travel bookings, restaurant recommendations, and other requests

  • Dining and Entertainment Benefits providing exclusive experiences, including access to the Visa Infinite Dining Series and the Visa Infinite Music Series

  • Hotel Benefits, including access to the Visa Infinite Luxury Hotel Collection

Occasionally, CIBC announces special offers allowing you to earn Aeroplan points for making international money transfers through CIBC Global Money Transfer™. Such transfers don’t involve transaction fees and interest charged, provided you pay your balance by the payment due date. Only CIBC foreign exchange rates apply.

As for benefits from partner integrations, a CIBC Aeroplan® Visa Infinite Card provides the following opportunities:

  • Saving up to $0.10 per liter when purchasing fuel at participating Pioneer, Ultramar, and Chevron gas stations after linking your credit card with Journie Rewards

  • Saving up to 25% on car rentals at participating Avis® and Budget® locations worldwide 

A CIBC Aeroplan® Visa Infinite Card is eligible for the CIBC Pace It™ Installment Plans, which means you can pay off your credit card purchases starting from $100 in monthly installments at a lower interest rate:

  • 4.99% for a 6-month plan

  • 5.99% for a 12-month plan

  • 6.99% for a 24-month plan

Setting up an installment plan involves a one-time installment fee of 1.50% of the purchase amount. 

The comprehensive insurance coverage featured by a CIBC Aeroplan® Visa Infinite Card includes out-of-province emergency travel medical insurance, trip cancellation and interruption insurance, flight delay and baggage insurance, hotel burglary insurance, auto rental collision, and loss damage insurance, common carrier accident insurance, purchase security and extended warranty insurance, and mobile device insurance. Additionally, you can apply for CIBC Payment Protector™ Insurance for Credit Cards to ensure coverage of your CIBC Aeroplan® Visa Infinite Card payments in case of disability, job loss, critical illness, or loss of life.

Pros and cons

The advantages of a CIBC Aeroplan® Visa Infinite Card are:

  • Aeroplan reward-earning opportunities

  • Additional travel benefits from Aeroplan

  • Exclusive privileges from Visa

  • Eligibility for CIBC Pace It™ Installment Plans 

  • Zero transaction fees for foreign currency purchases

  • No interest on a CIBC Global Money Transfer if paying your balance by the payment due date

  • Benefits from partner integrations

  • Extensive insurance coverage

  • Online and mobile banking features for convenient credit card account management

  • Contactless payment available through Apple Pay®, Google Pay™, and Samsung Pay®

  • Credit card protection capabilities (the Mastercard Zero Liability Protection policy and fraud alerts)

The disadvantages of a CIBC Aeroplan® Visa Infinite Card are:

  • A $139 annual fee

  • Steep yearly minimum income requirements to apply

How to apply for a CIBC Aeroplan® Visa Card

CIBC accepts online applications for a CIBC Aeroplan® Visa Infinite Card. Click the “Apply now” button on the credit card description page to apply online. On the next screen, select the option that applies to you. Click “Yes, sign on now” if you are a CIBC client and sign in with your CIBC Online or Mobile Banking login credentials. Select “No, continue application” if you are new to CIBC and fill out the online application form with the following information:

  • Your first name

  • Your last name

  • Your date of birth

  • Your email

  • Your phone number

  • Your address 

  • Your living situation (rent, own/buying, live with parents, room or board, or other)

  • How long you have lived at the specified address

  • Your social insurance number

  • Your job category

  • Statement options

  • Your personal annual income

  • Your other household income (optional)

  • Your housing payments (monthly rent, mortgage, and condo fees)

Applying for a CIBC Aeroplan® Visa Infinite Card requires a $60,000 minimum annual or $100,000 minimum household income.

How soon will I get my welcome Aeroplan points?

Suppose you have met all the spending requirements for earning welcome Aeroplan points. In that case, you can expect them to appear on your account within eight weeks after completing all qualifying purchases with your CIBC Aeroplan® Visa Infinite Card.

Do Aeroplan reward points expire?

As you continue to hold your CIBC Aeroplan Visa Infinite Card account, there are no reasons for your Aeroplan points to expire.

How do I manage my Aeroplan reward points?To manage your Aeroplan reward points, you must register an online profile at aircanada.com/aeroplan. Once you do, you can track your Aeroplan points balance, book travels, view the Aeroplan transaction history, and more.
Rate
i

Effective interest rate on the product

21.99% - 22.99%

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