Rewards
Base earn rate1 point for every $1 spent on all other purchases
ProgramAeroplan
Welcome bonusApply and earn up to $2,000 in value, which includes up to 75,000 Aeroplan points and a one-time annual fee rebate plus free first checked bag and Maple Leaf Lounge access
Rewards typepoints
Fees & rates
Annual fee$180
Additional card$50
Purchase interest rate12.99%
Cash advance rate14.5%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Free first checked bag for cardholder, authorized users and up to 8 companions every time you fly with Air Canada
$140 per round-trip per person
✈️
Earn up to 4 complimentary Maple Leaf Lounge One-Time Guest Passes per year
$236 estimated annual value
⭐
Complimentary upgrade to Avis Preferred Plus with one-car class rental upgrades, expedited service, dedicated phone line, parking stall and pick-up counter
💳
Primary Cardholders can get 1,000 Status Qualifying Credits (SQC) for every $20,000 in eligible net purchases charged to the card account, up to 25,000 SQC to reach Aeroplan Elite Status faster
up to 25,000 SQC per year
⭐
12-month Skip+ free trial when you link your CIBC credit card with your Skip account, plus exclusive savings and rewards with Skip+ membership
12 months free
⭐
Link your Journie Rewards card to save on every fill-up at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations
up to 10 cents off per litre
⭐
Get a 4th night free for every 3 hotel nights redeemed with Aeroplan points
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
trip cancellation
Included — see issuer for details.
🛡️
trip interruption
Included — see issuer for details.
🛡️
flight delay
Included — see issuer for details.
🛡️
baggage delay
Included — see issuer for details.
🛡️
rental car
Included — see issuer for details.
🛡️
purchase protection
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident