Rewards
Base earn rate1 point for every $1 spent on all other purchases
ProgramAeroplan
Welcome bonusDigital exclusive offer: Apply and earn up to $1,200 in value, which includes up to 45,000 Aeroplan points. Up to $189 value in annual fee rebates.
Rewards typepoints
Fees & rates
Annual fee$139
Additional card$50
Purchase interest rateN/A
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Enjoy a free first checked bag for you, authorized users and up to 8 companions every time you fly with Air Canada
$140 value for 2 travellers for each round-trip flight
🎩
CIBC Visa Infinite Personal Concierge Service for help with anything on your to-do-list, available 7 days a week, 24 hours a day
⭐
Complimentary upgrade to Avis Preferred Plus with one-car class rental upgrades, expedited service, dedicated phone line, parking stall and pick-up counter
⭐
Budget car rental discounts
⭐
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-month free trial
⭐
Aeroplan Family Sharing to combine points with other Aeroplan members in your household
⭐
Send money abroad to over 120 countries with $0 transfer fee
$0 transfer fee
💳
Primary Cardholders can get Status Qualifying Credits (SQC) for Aeroplan Elite Status
1,000 SQC for every $20,000 in eligible net purchases, up to 25,000 SQC
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
travel medical
Included — see issuer for details.
🛡️
trip cancellation
Included — see issuer for details.
🛡️
trip interruption
Included — see issuer for details.
🛡️
flight delay
Included — see issuer for details.
🛡️
baggage loss
Included — see issuer for details.
🛡️
hotel burglary
Included — see issuer for details.
Eligibility
Minimum personal income$60,000
Credit score guidanceGood (660+)
ResidencyCanadian resident