The CIBC Aerogold® VISA Card for Business combines the travel benefits of an Aerogold Card and offers an interest rate and credit limit designed to meet the needs of small business owners. Earn 1 Aeroplan® Mile for every dollar charged to the card, redeemable for reward travel on Air Canada and its travel partners.4 Earn a Welcome Bonus of 15,000 Aeroplan Miles6 when you use your new CIBC Aerogold VISA Card for Business for the first time.
The CIBC Aerogold VISA Card for Business is for you if:
- You own a small business that has been in business for 18 months or more.
- You have fewer than 18 employees.
- Your annual revenue is between $35,000 and $5 million.
- You travel for business or pleasure and want to earn frequent flyer miles.
Enjoy business benefits, travel benefits and rewards that put your business Miles Ahead®2, with the CIBC Aerogold VISA Card for Business:
- Earn 1.5 Aeroplan Miles for every dollar you spend at travel establishments2. Find out more
- Earn one Aeroplan Mile for each dollar charged to your card.
- Earn Bonus Aeroplan Miles with the ADVANTEX®2 benefit when you use your card at participating establishments.7
- Write Aerogold Business Cheques or take cash advances at the same low interest rate.8
- Order your Aerogold Business Cheques free of charge.
- Enhanced Monthly Statement track and manage your monthly and year-to-date spending, organized in 10 common spend categories on your printed statement
- CIBC CreditSmart Spend Report get a more detailed view of your credit card spending and create customized monthly budgets online
- CIBC CreditSmart Spend Alerts set up your alerts through CIBC Online Banking and choose to be notified by phone, e-mail or online message when you are close to your credit limit or when you've exceeded your customized budget9
- CIBC CreditSmart Personal Spend Manager create your own personal spend categories online to track and manage what's important to you
- CIBC CreditSmart Credit Report Alerts sign-up online to stay up-to-date on key changes to your personal credit report so you're aware of any unusual activity on your credit file10
- CIBC CreditSmart Fraud Alerts set-up your alerts online and choose to be notified as soon as possible about potential unauthorized use of your credit card through alerts by e-mail or online message
- CIBC CreditSmart Identity Theft Assistance get quick access to guidance and clear instructions on what to do if you suspect you're the victim of identity theft by calling 1-800-465-4653
The value of your CIBC Aerogold VISA Card for Business goes far beyond earning Aeroplan Miles:
You will also receive these premium credit card advantages:
- Flight Delay and Baggage Insurance for lost, stolen, damaged or delayed checked baggage.11
- $500,000 Common Carrier Accident Insurance.11
- Auto Rental Collision/Loss Damage Insurance.11
- AVIS car rental discounts of up to 20% vehicles at participating locations.12
- Guaranteed hotel reservations.
- Commission-free Regular American Express Travellers Cheques.
- Worldwide VISA acceptance at over 24 million locations.
- Emergency card replacement.
- 24/7 roadside assistance in Canada or the mainland U.S. with no upfront fees and a market rate guarantee with Driver Assist13
Also, check out the great Optional Features available:
- CIBC CardAssistTM1 Service - one call protects you if your cards are lost or stolen.
- Optional CIBC Emergency Travel Medical Insurance - provides coverage when travelling outside your home province.
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Apply online now and receive a Welcome Bonus of 15,000 Aeroplan Miles when you use your CIBC Aerogold VISA Card for Business for the first time. You can also call CIBC Credit Card Services at |
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Trademarks and Disclaimers
1 You will continue to receive one (1) Aeroplan Mile for every dollar you spend at all other locations. The 50% More Offer applies only to CIBC Aerogold VISA card purchases (less returns) at merchants classified in the VISA network as service stations/automated gas dispensers, airlines, hotels, car rental agencies, cruises, travel agencies/tour operators, tour buses/bus lines, local suburban commuter passenger transportation, ferries, local water transportation, railways, limousines/cabs, and certain other transportation services (some merchants may sell these products/services, but are coded otherwise, in which case this added benefit would not apply). Any returns or other credits for card purchases at these merchants will be deducted from your Aeroplan Account at the rate of 1.5 Aeroplan Miles for each dollar in returns/credit. Terms, conditions and eligible merchant categories may change without notice. Ask for details.
2 Aeroplan ClassicPlus FlightTM2 Rewards offer you any available seat in Economy and Executive Class on Air Canada and Air Canada JazzTM3 flights; additional miles may be required. See Aeroplan.com for details. ClassicPlus Flight Rewards are available only where Air Canada offers electronic ticketing. See Aeroplan.com for details
3 Aeroplan rules require at least one accumulation or redemption transaction each year in an Aeroplan account or the Aeroplan Miles will expire. CIBC has ensured that this doesn't happen to Aerogold cardholders in good standing. Please note, however, that Aeroplan Miles will expire if they are not redeemed within 7 years from when they were earned (or by Dec. 31, 2013, for Miles earned before 2007). See www.aeroplan.com for details.
4 Aeroplan Miles are earned on card purchases less returns, and not on cash advances (including by Aerogold Business Cheque), fees, interest or payments. Aeroplan Miles will be awarded only if your CIBC Aerogold VISA Card for Business Account is in good standing on each monthly statement date. Taxes, landing and departure fees may apply to Aeroplan reward travel. Aeroplan partners, rules and regulations are subject to change without notice. Aeroplan Miles are not actual miles but points towards rewards, including flights.
5 Interest rate will be set at one of 10.9%, 13.9% or 16.9% for all card purchases and cash advances, dependent on your personal credit bureau information. Interest rate is subject to change.
6 Applies to new, approved primary cardholders only. Bonus Aeroplan miles are awarded after the first purchase is made with the card. This offer cannot be combined with any other offer.
7 The number of Bonus Aeroplan Miles awarded depends on the particular CIBC ADVANTEX BENEFIT establishment. The CIBC ADVANTEX BENEFIT cannot be combined with other promotional offers and may not be valid with certain discounts or offers. CIBC ADVANTEX BENEFIT terms, conditions and participating merchants may change without notice. The CIBC ADVANTEX BENEFIT program is owned and operated by Advantex Marketing International Inc. For full details and important information regarding the CIBC ADVANTEX BENEFIT, please visit
www.aerogold-advantex.com
8 Interest accrues from the date cash advances are taken/Business Cheques are posted to your account. Advances are subject to available credit and daily limits.
9 Transactions must first be posted to your account before they can trigger a spend alert. It may then take up 24 hours after a triggering transaction is posted for an alert to be sent.
10 This service is provided by Equifax Canada, a leading credit bureau in Canada.
12 AVIS discounts are available at participating AVIS locations and are applied automatically when you use the Card to pay for the rental (Quebec residents may obtain the discount without using their Card, provided they show the Card when paying by an alternative payment option acceptable to AVIS).
13 The market rate guarantee applies to tows of less than 50 kms and non-towing services, only; if you get a lower, written quote for the same service from another towing operator in the same market area, you'll be reimbursed the difference between that quote and what you paid the towing company to which you were referred. The Driver Assist service is provided by Dominion Automobile Association (DAA).
™ "CIBC for what matters" and "CIBC CreditSmart" are trademarks of CIBC.
TM1 Trade-mark of Carlson Marketing Group Canada Ltd.
TM2 ClassicPlus Flight is a Trademark of Aeroplan Limited Partnership.
TM3 Air Canada Jazz is a Trademark of Air Canada.
® Aerogold and Aeroplan are registered trademarks of Air Canada; CIBC is an authorized licensee of the marks.
®1 Executive Class is a Registered Trademark of Air Canada.
®2 Advantex is a registered trademark of ADVANTEX Marketing International Inc.
American Express is a Reg. TM of American Express Company, used under licence.
* VISA Int./lic. users.
Insurance Features/Options:
10 Common Carrier Accident Insurance is underwritten by American Home Assurance Company; Flight Delay and Baggage Insurance is underwritten by RBC General Insurance Company in Quebec and RBC Travel Insurance Company in the rest of Canada; common carrier fares must be charged to the card before departure to activate coverage. VISA Auto Rental Collision/Loss Damage Insurance applies for rental periods up to 48 days, only; to activate coverage, the car rental agency's collision damage waiver insurance must be declined and the full cost of the rental must be charged to your card; underwritten by Royal & Sun Alliance Insurance Company of Canada. All insurance is subject to limitations and exclusions outlined in the insurance certificates distributed with the Card Package (for coverage included with the Card) or on enrolment (for the optional coverage).
$5,000 minimum
As low as 10.9%5
$50 each per year, up to 9 cards maximum
Copyright® 2008 Canadian Imperial Bank of Commerce. All rights reserved.