Rewards
Base earn rate1 point per $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, a one-time annual fee rebate ($120 for the first card and $50 each for additional cardholders), a free first checked bag ($140 value for 2 travellers for each round-trip flight), and Maple Leaf Lounge access ($236 value)
Rewards typepoints
Fees & rates
Annual fee$120
Additional card$50
Purchase interest rate19.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Enjoy a free first checked bag for the Rewards Officer, Card Officers or Employees and up to 8 companions every time you fly with Air Canada
$140 value for 2 travellers for each round-trip flight
✈️
Earn up to 4 complimentary Maple Leaf Lounge One-Time Guest Passes per year
$236 value
⭐
Manage business spending with Visa Spend Clarity for Business reporting solution
⭐
Complimentary upgrade to Avis Preferred Plus with one-car class rental upgrades, expedited service, dedicated phone line, parking stall and pick-up counter
⭐
The Rewards Officer 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
up to 25,000 SQC
⭐
Get a 12-month Skip+ free trial when you link your CIBC credit card with your Skip account, plus exclusive savings and rewards
12-month free
⭐
Book flight rewards for fewer points; no additional airline surcharges on flight rewards with Air Canada
⭐
Earn points twice at over 150 Aeroplan partners and over 170 online retailers through the Aeroplan eStore
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