CIBC

CIBC Aeroplan® Visa* Business Card

VisaAeroplan

Compare

on CIBC's website

Annual Fee

$180

Welcome Bonus

75,000 pts

Spend $40,000 in 12 mo

Bonus Value

—

Estimated value

1st Year Value

$2,215

✓

Pros

✓Welcome Bonus: 75,000 pts
✓Purchase protection included
✓Travel medical insurance included

✗

Cons

✗High annual fee ($180/yr)
✗Foreign Transaction Fee (2.5%)
✗No airport lounge access despite fee

Our Review

Rewards

All Spending

Aeroplan pts per dollar

Gas

1.5x

Transit

1.5x

Restaurants

1.5x

Telecom

1.5x

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

Gas1.5x

$300/month

Transit1.5x

$140/month

Restaurants1.5x

$160/month

Telecom1.5x

$300/month

Groceries1x

$400/month

All other spending1x

$700/month

Points Earned

29,400

Aeroplan/yr

Estimated Value

$294

After Fees

+$114

1st Year Value

$114

incl. welcome bonus

Annual rewards breakdown

Gas$3,600/yr × 1.5x

5,400 pts

Transit$1,680/yr × 1.5x

2,520 pts

Restaurants$1,920/yr × 1.5x

2,880 pts

Telecom$3,600/yr × 1.5x

5,400 pts

Groceries$4,800/yr × 1x

4,800 pts

All other spending$8,400/yr × 1x

8,400 pts

Total annual spend$24,000

Monthly spend$2,000

Average earn rate1.23x

Total points earned29,400 pts

Travel Insurance

✓

Travel Medical

Included

✓

Trip Cancellation

Up to $1,500

✓

Trip Interruption

Up to $2,000

✓

Delayed Baggage

Up to $500

✓

Lost Baggage

Up to $500

✓

Flight Delay

Up to $500

✓

Hotel Burglary

Up to $2,500

✓

Travel Accident

Up to $500,000

Purchase Protection

✓

Purchase Protection

Included

✓

Extended Warranty

+1 year(s)

✓

Auto Rental

Up to $65,000 / 48 days

Interest Rates

Purchase Rate

12.99%

Cash Advance

14.5%

Foreign Transaction Fee

2.5%

Eligibility

Personal Income

$35,000

Household Income

$35,000

Terms & Conditions

Card Features

Get up to 75,000 Aeroplan points (a value of up to $1,500†):
- 10,000 Aeroplan points the first time you make a purchase†
- 25,000 Aeroplan points when you spend at least $7,500 within the first 3 statement periods†.
- 25,000 Aeroplan points when $40,000 or more in purchases are charged to the account within the first 12 monthly statement periods†.
- An additional bonus of 15,000 Aeroplan points when $40,000 or more in purchases are charged to the account in the first year†.
Get a one-time annual fee rebate for the primary cardholder ($180) and three additional cardholders ($50 each): a benefit valued at $330†.
Enjoy free first checked bag†: a benefit valued at $140 for two travelers per round-trip flight, assuming you take one Air Canada round-trip flight during the first year†.
Enjoy access to Maple Leaf Lounges: a benefit valued at $236†.

Related Cards

American Express® Aeroplan®* Card

American Express Canada

$1,279

CIBC Aventura® Visa* Card for Students

CIBC

$314

American Express® Aeroplan®* Business Reserve Card

American Express Canada

$2,226

CIBC Aeroplan® Visa Infinite* Card

CIBC

$1,603

Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 CIBC. All trademarks are property of their respective owners.

Terms & Conditions

Card Features

Get up to 75,000 Aeroplan points (a value of up to $1,500†):
- 10,000 Aeroplan points the first time you make a purchase†
- 25,000 Aeroplan points when you spend at least $7,500 within the first 3 statement periods†.
- 25,000 Aeroplan points when $40,000 or more in purchases are charged to the account within the first 12 monthly statement periods†.
- An additional bonus of 15,000 Aeroplan points when $40,000 or more in purchases are charged to the account in the first year†.
Get a one-time annual fee rebate for the primary cardholder ($180) and three additional cardholders ($50 each): a benefit valued at $330†.
Enjoy free first checked bag†: a benefit valued at $140 for two travelers per round-trip flight, assuming you take one Air Canada round-trip flight during the first year†.
Enjoy access to Maple Leaf Lounges: a benefit valued at $236†.