CIBC Aerogold Visa Infinite

First year rewards (up to)

Gift card
Spending
bonus
Monthly
bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending
rewards
Annual fee
Annual fee
(1st yr waived)
The total net reward is the dollar amount all your rewards will add up to, minus any annual fee you may have to pay. For a detailed explanation on how we calculated this number, check out the Points Calculator tab.
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Cash advance: 22.99%
Balance transfer: 22.99%
%
Purchase Interest Rate
Cash advance: 22.99%
Balance transfer: 22.99%
%
Balance transfer
% after months
Annual fee
(Waived)
Monthly
interest fee
after months
Required deposit
Apply now
Rewards
Earn points on each dollar you spend
How much do you spend on entertainment each month? Movie tickets, concerts, music, plays, video gamse, etc. are all examples of things that would show up as entertainment costs on your cash back credit card statement. Entertainment
3  points per dollar
at CIBC bonus reward spas
How much do you spend on travel each month? Travel expenses can include flights, hotels, cruises, ferry boat rides, and even things like cab fares and hot air balloons in other provinces or countries! Enter an estimate here, to see how much cash back you could earn on travel expenses each month. Travel
3  points per dollar
at CIBC bonus rewards hotels
How much do you spend at restaurants each month? Some cash back credit cards give you a percentage of cash back for every dollar spent in a restaurant. Give an estimate, if you're unsure. Restaurants
3  points per dollar
at participating CIBC Bonus Rewards restaurants
How much do you spend on gas or in gas stations each month? Remember that even if you buy food or other items at a gas station, it will come up as a gas purchase on your cash back credit card statement. Gas
How much do you spend on groceries or in grocery stores each month? Remember that even when you purchase household items at the grocery store, they will show up as a grocery store purchase on your cash back credit card statement. Groceries
How much do you spend in drug stores each month? Remember that it doesn't matter if you pay for prescriptions, cosmetics, toiletries, food or anything else; it'll all show up as drug store purchases on your cash back credit card statement. Pharmacy
1.5  points per dollar
up to $80,000 in yearly spending
How much do you spend on everything else that doesn't fit into one of the other categories? Bus passes, cab fares, online shopping purchases, etc. are just a few examples of things that would show up as "other" purchases on your cash back credit card statement. Other purchases
1  point per dollar
Calculator
Monthly spending by category

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First year rewards (up to)
First year rewards (up to)
Some credit cards come with a spending bonus, which is given to the card holder after they complete a condition, such as making their first card purchase. The spending bonus may be in the form of points, cash, free merchandise, etc. Spending bonus
To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt
This is the dollar amount all your rewards will add up to. Total value
Some credit cards come with an anniversary bonus, to provide more incentive for people to continue using the card for multiple years. The anniversary bonus may be in the form of points, cash, free merchandise, etc, and is given to the card holder every year on the anniversary. Anniversary bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending reward
Groceries
Gas
Restaurants
Bills
Travel
Entertainment
Pharmacy
Other purchases
This is the total number of rewards points you could earn in one year, based on the credit card's sign-up bonus and the amount you could potentially spend on the card. Total points
To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt
This is the dollar amount all your rewards will add up to. Total value
For a LIMITED time only, you will receive a FREE gift card from RateHub.ca to Starbucks, Homesense/Winners, or Amazon.ca upon approval of this card. Click “Get details” for more info. Gift card
This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee
Total net reward
Redeem

Value of an Aeroplan Mile

The average dollar value of an individual Aeroplan Reward Point is $0.0120. To see how we calculated this, click here.

How to Redeem your Aeroplan Reward Points

Step by Step Guide

  • If you DO NOT have an online Aeroplan account and don’t know your Aeroplan number, call CIBC, TD or American Express (your credit card provider), give them your credit card number and they will give you your 9-digit Aeroplan number.
  • Once you have your Aeroplan number, you can create an account at aeroplan.com and login to redeem your miles.
  • If you DO have an online Aeroplan account, you can skip the first step and login at aeroplan.com.
  • To book a flight, select your travel dates, departure airport and destination.
  • Available flights are displayed with the amount of miles required to book. These amounts do not include taxes, fees and surcharges, which can range from $150 (for domestic flights) to greater than $700 (for Europe or Australia).
  • To redeem miles for a flight, you need to have at least 50% of the required miles; the remaining miles can be purchased by credit card.
  • While less popular, miles can be also be redeemed for hotels, car rentals, merchandise and activities.
Insurance

Travel Insurance

Click here for more information about this card's travel and purchase insurance.

Benefits
Most credit cards come with at least some additional insurance policies. Here's what's covered with this credit card. Insurance
Travel emergency medical
Travel Accident Insurance
If you book a trip using your credit card, it may come with some amount of trip cancellation, trip interruption and/or emergency medical insurance, all of which can help you if you find yourself in some very tough situations. Here's what your credit card comes with. Travel
Trip cancellation
Trip interruption
Flight delay
While you're travelling, there's always a chance that your bag may be lost or go missing for a period of time. In the event that happens to you, here's what you're covered for. Baggage
Baggage loss
Baggage delay
If you use your credit card to rent a car, you will likely have some amount of collision and damage insurance. Collision and damage insurance protects you, the cardholder, in the event that a rental car is damaged and/or in an accident, while it's in your possession. Read the fine print in your agreement, before you rent your next car. Rental
Car rental collision / loss damage waiver
Miscellaneous insurance items for purchases on your credit card. Miscellaneous
  • Zero liability
  • Extended warranty
  • Purchase assurance
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Card details

Network: VISA
Provider: CIBC
Card type: Rewards

Fees & interest

This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee: $120
This is the annual interest rate you will pay on purchases, if/when you can't pay off the entire balance by the payment due date outlined on your credit card statement. Purchase Interest Rate: 19.99%
This is the interest rate you will pay on cash advances. Unlike regular purchases, which come with a grace period, interest on cash advances starts to accrue the day you complete the transaction. Cash advance: 22.99%
This is the interest rate you will pay on balance transfers. Unlike regular purchases, which come with a grace period, interest on balance transfers starts to accrue the day you complete the transaction. Balance transfer: 22.99%

Eligibility

This is the annual income requirement to be eligible for this credit card. Income: $60K / Year
This is the total annual family income requirement to be eligible for this credit card. Only applicable if the applicant does not meet the annual income requirement themselves. Family income: $100K / Year
  • Be a permanent Canadian resident
  • Have reached the age of majority in the province in which you live (18 yrs in AB, MB, ON, PE, QA, SK. 19 yrs all others)

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10,000 bonus points†† with first eligible purchase and earn 2 MBNA Rewards points for every $1 spent

For a limited time earn up to 5% on everyday purchases for 6 months. Earn 2% after the promo rate ends.

Earn up to 3% cashback. Special offer: Annual fees refunded for the 1st year

Receive up to $250 in Elite traveller fee rebates and earn up to 2.5 points on ALL card purchases

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Get more details

  • 15,000 Aeroplan Miles Welcome Bonus1 - That's enough for a short-haul flight in Economy class to select destinations4
  • Earn 1 Aeroplan Mile for every $1 spent using your card2
  • Earn 1.5 Aeroplan Miles for every $1 spent at gas stations, grocery stores, drug stores and on purchases at aircanada.com3 (excluding Air Canada Vacation packages)3
  • Earn 3 times the Aeroplan Miles for every $1 spent at participating CIBC Bonus Rewards restaurants, hotels, inns and spas6
  • Earn even more Aeroplan Miles at over 150 participating Aeroplan Partners, when you use your CIBC Aerogold Visa Infinite Card and present your Aeroplan Card7
  • Vacation packages, car rentals, and hotel stays for any date and many destinations
  • Activities, merchandise and gift cards
  • Access to priority check-in and priority boarding with your Aeroplan Flight Reward when travelling with Air Canada4
  • Complimentary first checked bag with your Aeroplan flight reward when travelling with Air Canada4
  • One Maple Leaf™ Lounge One-Time Guest Pass each year to access Maple Leaf Lounges with your Aeroplan flight reward when travelling with Air Canada4