Reviewed by Jen, founder of MoneyMint · Updated August 17, 2026

CIBCTravel Card

CIBC Aeroplan Visa Infinite Card

Q: Does the CIBC Aeroplan Visa Infinite Card have a welcome bonus?

Up to 50,000 Aeroplan points ("up to $1,300 value") -- 10,000 on first purchase, 15,000 after $6,000 spend in 6 statement periods, 25,000 anniversary bonus at $12,000 spend in 12 months, plus a free first checked bag and the first-year fee rebate. CIBC does not publish an end date for this offer. A secondary source (Prince of Travel, dated Feb 2026) shows a lower 45,000-point offer -- likely stale, but double-check live before you apply.

Our take: strongest for groceries and gas — about 3% back in value (est.) for $139 a year, plus a welcome bonus we value at roughly $1,000.

#3 Travel

Welcome bonusUp to 50,000 Aeroplan points (up to $1,300 value) as a welcome bonus

Apply on CIBC’s site →

Goes straight to CIBC
Our review

The CIBC Aeroplan Visa Infinite Card is a mid-tier travel rewards card built around Air Canada’s Aeroplan loyalty program, aimed at Canadians who fly Air Canada regularly or want to build Aeroplan points for future travel redemptions. It offers a $139 annual fee (waived the first year), a bonus earn rate on everyday categories like groceries and gas, and a solid suite of built-in travel insurance, but it stops short of premium perks like airport lounge access, which are reserved for CIBC’s higher-fee Aeroplan Visa Infinite Privilege card.

4.6out of 5

MoneyMint rating

#3 of 30 travel rewards cards · How we rate

Rewards value

6/10

Insurance

10/10

Flexibility

9/10

Welcome bonus

10/10

Fee value

10/10

Perks

8/10

≈ $1,443

estimated first-year value after the annual fee, on a typical $2,050/month budget. Points are converted to dollars using MoneyMint’s own valuations — see our points value calculator for how each program is valued. See it for your spending →

At a Glance

Annual Fee

$139/yrwaived 1st year; $50/yr per supplementary card (up to 3)

Rewards Rate

1.5x Aeroplan ptsgas, EV charging, groceries, direct Air Canada, Hyatt; capped at combined $80,000/yr

Foreign Transaction Fee

2.5%standard rate

Income Requirement

$60,000 / $100,000individual / household, per CIBC

Rewards

~3%on groceries (est. value)

Purchase APR 21.99% · Cash Advance APR 22.99%

Pros & Cons

Pros

First-year annual fee is waived under the current welcome offer
1.5x Aeroplan points on groceries, gas, EV charging, and direct Air Canada purchases (plus participating Hyatt)
Strong built-in travel insurance suite, including up to $5,000,000 in emergency medical coverage
Mobile device insurance: up to $1,000 if your phone is lost, stolen or accidentally damaged, when you buy it with the card or finance it on the card through a Canadian carrier (10% deductible; the device’s value depreciates 2% a month)
Free first checked bag for the cardholder and up to 8 companions on the same Air Canada reservation
Meaningful welcome bonus (up to 50,000 Aeroplan points plus other perks)
Progress toward Aeroplan Elite Status through card spending

Cons

$139 annual fee applies from year two onward, plus $50 per supplementary card
Base earn rate is only 1 point per dollar outside bonus categories
Bonus (1.5x) earning stops after $80,000 in combined net annual purchases across all cardholders
No airport lounge access, Priority Pass, or NEXUS credit
Requires $60,000 individual / $100,000 household income to qualify
2.5% foreign transaction fee and relatively high cash advance/balance transfer APR if a balance is carried

Rewards & Earn Rates

Groceries1.5 pts/$1Subject to $80,000 combined annual net-purchase cap across all cardholders

Gas & EV charging1.5 pts/$1Same $80,000 annual cap applies

Air Canada (direct, incl. Vacations)1.5 pts/$1Same $80,000 annual cap applies

Participating Hyatt hotels1.5 pts/$1Same $80,000 annual cap applies

All other purchases1 pt/$1Base rate; applies to everything after the $80,000 cap is reached

Aeroplan eStore / 150+ partners2x whatever rate applies170+ retailers through the Aeroplan eStore

Note: CIBC’s own rate disclosure states 21.99% purchase APR for all residents including Quebec, but secondary sources conflict with each other (one shows 20.99% flat, another shows a Quebec discount) — used CIBC’s official document as the source of truth. Separately, CIBC’s live page currently advertises a 50,000-point welcome bonus while an older article shows 45,000 points; CIBC publishes no fixed expiry date, so this figure should be confirmed on the issuer’s site before you apply.

Who It’s For

Best For

Canadians who fly Air Canada with some regularity and want to build Aeroplan points and status progress
Households that spend meaningfully on groceries, gas, and EV charging and want a bonus rate without needing lounge access
Applicants who meet the $60,000/$100,000 income threshold and can pay the balance in full monthly

Not For

Travelers who specifically want airport lounge access or Priority Pass — this card doesn’t include it
Anyone who tends to carry a balance, given the high purchase, cash advance, and balance transfer APRs
Frequent international spenders looking for a card with no foreign transaction fee

Not Sure? Three Cards People Compare It With

All travel cards →

American Express Aeroplan Reserve Card

Pick this instead if you want a bigger welcome bonus (~$1,700 est.).

Fee $599Rating 4.6 ★Bonus $1,700

Read review

TD Aeroplan Visa Infinite Privilege Card

Pick this instead if you want a bigger welcome bonus (~$1,700 est.).

Fee $599Rating 4.8 ★Bonus $2,000

Read review

RBC ION+ Visa

Pick this instead if you want a lower annual fee ($48).

Fee $48Rating 2.7 ★Bonus $200

Read review

4.6MoneyMint rating

CIBC Aeroplan Visa Infinite Card

Best for groceries and gas · $139/year · ~$1,000 welcome bonus (est.)

Apply on CIBC’s site →Find a better fit

Jen, founder of MoneyMint

Reviewed by Jen. Every figure on this page was checked against CIBC’s official card page on August 17, 2026. How we rate cards →

This is general information, not personalized financial advice — consider your own spending habits and consult a professional for decisions specific to your situation. Rates, fees, and offers are set by CIBC and can change without notice; always confirm current terms on the issuer’s official page before applying.

Frequently Asked Questions

What is the annual fee for the CIBC Aeroplan Visa Infinite Card?

The CIBC Aeroplan Visa Infinite Card has an annual fee of $139 primary, waived the first year under the current welcome offer; $50 per supplementary card (up to 3). A possible ongoing rebate may apply via the CIBC Smart Account, terms not fully detailed by CIBC.

What is the rewards rate on the CIBC Aeroplan Visa Infinite Card?

The CIBC Aeroplan Visa Infinite Card offers: 1.5 Aeroplan points per $1 on gas, EV charging, groceries, direct Air Canada purchases (incl. Vacations), and participating Hyatt stays — capped at a combined $80,000/yr net purchases across all cardholders, then reverts to 1x. 1 point per $1 base rate. 2x at 150+ Aeroplan partners / 170+ retailers via the Aeroplan eStore.

Does the CIBC Aeroplan Visa Infinite Card have a welcome bonus?

Up to 50,000 Aeroplan points ("up to $1,300 value") — 10,000 on first purchase, 15,000 after $6,000 spend in 6 statement periods, 25,000 anniversary bonus at $12,000 spend in 12 months, plus a free first checked bag and the first-year fee rebate. CIBC does not publish an end date for this offer. A secondary source (Prince of Travel, dated Feb 2026) shows a lower 45,000-point offer — likely stale, but double-check live before you apply.

What credit score do I need to qualify for the CIBC Aeroplan Visa Infinite Card?

Generally, you’ll want a very good credit score to be considered for the CIBC Aeroplan Visa Infinite Card. Approval also depends on income and overall credit history, not credit score alone.

Does the CIBC Aeroplan Visa Infinite Card charge foreign transaction fees?

2.5%, per CIBC’s official rate/fee disclosure effective Aug 1, 2026.