Hey there, travel lovers! If you’re dreaming of your next getaway or just want to make everyday spending work harder for you, the CIBC Aeroplan Visa Infinite Card might be your new best friend.
This card is packed with perks, especially for those who fly with Air Canada or spend on essentials like gas and groceries. Let’s dive into why this card stands out and how it can elevate your travel game.
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Why Choose the CIBC Aeroplan Visa Infinite Card?
The CIBC Aeroplan Visa Infinite Card is designed for Canadians who want to earn rewards while enjoying premium travel benefits. With a focus on Air Canada flyers, it offers a mix of points, insurance, and exclusive perks that make every dollar spent feel like a step toward your next adventure. Whether you’re a frequent traveler or someone who loves a good deal, this card has something for you.
Earn Aeroplan Points Fast
One of the biggest draws of this card is how quickly you can rack up Aeroplan points. These points are your ticket to flights, hotel stays, and more through Air Canada’s loyalty program. Here’s how you earn:
- 1.5 points per dollar on eligible gas, groceries, electric vehicle charging, and Air Canada purchases (including Air Canada Vacations).
- 1 point per dollar on all other purchases.
- Welcome bonus: Up to 45,000 Aeroplan points in the first year (10,000 points on first purchase, 10,000 points after spending $5,000 in four months, and 25,000 points as an anniversary bonus after spending $15,000 in 12 months).
| Spending Category | Points Earned per Dollar |
|---|---|
| Gas, Groceries, EV Charging, Air Canada | 1.5 points |
| All Other Purchases | 1 point |
These rates make it easy to pile up points on everyday spending. Plus, your points never expire as long as you hold the card, so you can save them for that dream trip.
Travel Perks That Elevate Your Journey
Traveling with Air Canada? This card makes your experience smoother and more luxurious. Here are some standout travel benefits:
- Free first checked bag: Save up to $140 per round-trip for two travelers on Air Canada flights.
- Preferred pricing: Book Air Canada flights with fewer points, stretching your rewards further.
- Fourth night free: Get an extra night free for every three hotel nights booked with Aeroplan points.
- Visa Infinite perks: Enjoy exclusive hotel benefits, dining events, and 24/7 concierge service for travel planning.
These perks can save you money and add comfort to your trips, whether you’re jetting off for a weekend or a long-haul adventure.
Comprehensive Insurance Coverage
Worried about unexpected hiccups during travel? The CIBC Aeroplan Visa Infinite Card has you covered with a robust insurance package. Here’s what you get:
- Emergency medical insurance: Up to $5 million for out-of-province trips (15 days for those under 65, 3 days for 65+).
- Flight/trip delay insurance: Up to $500 for delays of four hours or more.
- Baggage delay insurance: Up to $1,000 for delayed luggage.
- Car rental theft and damage insurance: Covers rentals up to 48 days (vehicles with MSRP up to $65,000).
- Purchase security and extended warranty: Protects your purchases against loss, theft, or damage and doubles the manufacturer’s warranty up to one year.
This coverage gives you peace of mind, knowing you’re protected on the road or at home.
First-Year Value Boost
New cardholders get a sweet deal: the $139 annual fee is rebated in the first year. Plus, up to three authorized users get their $50 fees waived, adding up to $189 in savings. Combine that with the welcome bonus of up to 45,000 points, and you’re looking at serious value right out of the gate. Based on average Canadian spending, this card could deliver around $437 in net rewards after fees, making it a top pick for travel rewards.
Who Is This Card Best For?
This card shines for Air Canada loyalists and those with high spending on gas, groceries, or electric vehicle charging. If you take a few trips a year and want insurance coverage plus travel perks, it’s a great fit.
However, if you rarely fly Air Canada or prefer other airlines, you might find more flexible rewards with a card like the CIBC Aventura Visa Infinite, which lets you book with any airline.
Additional Perks to Love
Beyond travel and insurance, the card offers extras that add value to your everyday life:
- Journie Rewards: Save up to 10 cents per liter at participating gas stations like Pioneer and Chevron.
- Avis Preferred Plus: Get car rental upgrades and expedited service.
- Aeroplan Family Sharing: Pool points with household members to redeem rewards faster.
- Skip+ membership: Enjoy exclusive savings and rewards through CIBC’s partnership with Skip.
These benefits make the card useful even when you’re not traveling, turning routine purchases into opportunities to save.
Things to Consider
No card is perfect, so let’s talk about the fine print. The $139 annual fee (after the first year) might feel steep if you don’t maximize the travel perks. You also need a personal income of $60,000 or household income of $100,000 to qualify, which could be a barrier for some. Lastly, the card’s rewards are tied to Air Canada, so if you prefer other airlines, you might not get the full value.
FAQs: Benefits of CIBC Aeroplan Visa Infinite Card
Q. How do I redeem Aeroplan points?
A. You can redeem points through the Aeroplan eStore for flights, hotel stays, car rentals, vacation packages, merchandise, or gift cards. The best value comes from booking Air Canada flights or vacations.
Q. Is the annual fee worth it?
A. If you fly Air Canada a few times a year and spend heavily on gas or groceries, the rewards, insurance, and perks often outweigh the $139 fee, especially with the first-year rebate.
Q. Can I use this card for non-Air Canada flights?
A. Yes, you can redeem points for flights on Star Alliance partners, but the card’s perks like free checked bags are specific to Air Canada.
Q. What credit score do I need?
A. You typically need a good to excellent credit score (around 670 or higher). Approval also depends on income and other factors.
Conclusion
The CIBC Aeroplan Visa Infinite Card is a fantastic choice for Canadians who love Air Canada and want to turn everyday spending into travel rewards. With generous point-earning rates, premium travel perks, and comprehensive insurance, it’s built to make your journeys more rewarding and stress-free.
Disclaimer: The information in this blog is based on publicly available data as of May 18, 2025, and is subject to change. Always review the latest terms and conditions on CIBC’s official website before applying. Credit card approval is not guaranteed and depends on your financial situation.
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