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Pros & Cons
Pros
- +First Year Annual Fee Rebate ($180 annual fee rebated)
- +Welcome Bonus: Up to 75,000 points
- +Purchase protection included
Cons
- –Foreign Transaction Fee (2.5%)
- –No airport lounge access despite fee
Our Review
The CIBC Aeroplan® Visa* Business Card is the go-to business credit card for earning Aeroplan points on your company spending.
Get up to 75,000 Aeroplan points, a value of up to $1,500†:
- 10,000 points the first time you make a purchase
- 25,000 points when you spend at least $7,500 within the first 3 statement periods
- 25,000 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 points when $40,000 or more is charged to the account in the first year
On top of that, you get a one-time annual fee rebate for the primary cardholder ($180) and three additional cardholders ($50 each), a benefit valued at $330†.
What the card gives you after that:
- 1 Aeroplan point per dollar on eligible purchases
- Free first checked bag†, a benefit valued at $140 for two travellers per round-trip flight
- Additional cards for your employees, at $50 each
The annual fee is $180. The annual interest rate is 12.99% on purchases and 14.5% on cash advances. A 2.5% conversion fee applies to foreign currency transactions.
Rewards
All Spending
1x
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.
Points Earned
34,500
Aeroplan/yr
Estimated Value
$690
After Fees
+$690
1st Year Value
$1,390
incl. welcome bonus
Annual rewards breakdown
- Earn 10,000 Aeroplan
- Earn 25,000 Aeroplan after $7,500 in purchases within the first 3 months
- Earn 25,000 Aeroplan after $40,000 in purchases within the first 12 months, spend $833/mo more
- Earn 15,000 Aeroplan after $40,000 in purchases within the first 12 months, spend $833/mo more
First-year advantages
- $180
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
Fees and interest rates
- Annual Fee$180
First Year Annual Fee Rebate
- Additional card fee$50
First Year Annual Fee Rebate
- Foreign currency conversion fee2.5%
- Purchase Rate12.99%
- Cash advance rate14.5%
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†.
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.