Earn Aeroplan® Miles faster

15,000 Aeroplan Miles Welcome Bonus1

CIBC Aerogold® Visa* Card

  • Earn 1 Aeroplan Mile for every dollar you spend2
  • Earn 1.5 Aeroplan Miles for every $1 spent at gas stations, grocery stores and drug stores3
  • Insurance benefits, including Flight Delay and Baggage Insurance4

Rewards

More Aeroplan Miles. More Rewards.

15,000 Aeroplan Miles1

15,000 Miles Welcome Bonus

That's enough for a ClassicFlight® Reward 7to select short-haul destinations in a nearby province or U.S. state.

Rewards Calculator

Calculate how many Aeroplan Miles you could be earning by using a CIBC Aerogold®1 Visa™ Card.

1x1 Aeroplan Mile
Aeroplan Mile for every $1 dollar2 charged to your card

1.5x1.5 Aeroplan Miles
for every $1 you spend at grocery stores, gas stations and drug stores 3, as well as participating CIBC Bonus Rewards establishments4

2xEarn miles twice
at over 150 Aeroplan Partner brands worldwide when you pay with your CIBC Aerogold Visa card and show your Aeroplan Card at time of purchase

Features

CIBC's most popular travel rewards card.

This card is perfect if you:

  • Like to collect air travel rewards for all your purchases
  • Want faster ways to collect Aeroplan Miles
  • Want faster access to DisinctionTM2, Aeroplan's recognition program that offers a range of Distinction exclusive reward benefits, bonus miles offers and privileges7. Learn More
  • Travel for pleasure or business
  • Need a card with unsurpassed acceptance worldwide
  • Want comprehensive insurance coverage including Flight Delay and Baggage Insurance4
  • Enjoy perks such as Avis® and Budget® car rental discounts5, commission-free Traveller's Cheques, and more
  • Have a minimum household income of $15,000

Annual Fee: $120

Interest Rate - Purchases6: % Interest Rate - Cash6: %

Insurance Coverage

For "just in case" peace of mind when you travel

Included

  • Flight Delay and Baggage Insurance for lost, stolen, damaged or delayed checked baggage4
  • CIBC Visa Auto Rental Collision/Loss Damage Insurance4
  • $500,000 Common Carrier Accident Insurance4

Agreements & Insurance

Cardholder Agreement, Benefits Guide and Insurance Certificates

Optional

  • CIBC Payment Protector™ Insurance for credit cards8
  • 15-day Multi-Trip Annual CIBC Emergency Travel Medical Insurance 9

Added Benefits

Even more reasons to choose the
CIBC Aerogold Visa Card.

CIBC CreditSmart®1

Innovative credit management tools to help you better manage your credit card spending, plus protection features for increased security.

  • Enhanced Monthly Statements
  • Spend Reports
  • Spend Alerts10
  • Personal Spend Manager
  • Credit Report Alerts10
  • Fraud Alerts
  • Identity Theft Assistance

CIBC Mobile BankingTM1

On-the-go banking 24/7 with CIBC Mobile Banking™ Apps for iPhone, iPad, Android™ and Blackberry ®.

CIBC Mobile PaymentTM1 App

The newest mobile innovation from CIBC allows you to make credit card purchases up to $50 at participating vendors using an eligible Blackberry smartphone.

CIBC Online BankingTM1

View electronic statements, make payments and transfers, increase credit limits, request additional cards, and more.

Visa payWave™

Contactless payments for small purchases: a fast, safe and convenient alternative to paying with cash.

Ratings and Reviews

Terms and Conditions

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1 Welcome Bonus cannot be combined with any other offer and applies to new, approved Primary Cardholders only; it may not apply if you convert your existing CIBC credit card, or if your existing CIBC credit card is converted into this card. Welcome Bonus will be awarded after you complete your first card purchase. Offer may be changed or withdrawn at any time.

2 Aeroplan Miles are earned on card purchases less returns, and not on cash advances, Convenience Cheques, Balance Transfers, fees, interest and payments. Aeroplan Miles will be awarded only if your CIBC Aerogold Account is in Good Standing on each monthly statement date (otherwise, miles are cancelled). Aeroplan Miles are not actual miles but points towards Aeroplan Rewards. Aeroplan Partners, rules and regulations are subject to change without notice. Taxes, landing and departure fees and other charges and surcharges may apply to Aeroplan Flight Rewards. For more information on flight rewards, please refer to aeroplan.com.

3 The 50% more offer applies to CIBC Aerogold Visa Card purchases (less returns) at merchants which are classified in the Visa network as grocery stores, service stations/automated gas dispensers or drug stores. Some merchants may sell gas, grocery or drug store products/services or are separate merchants located on gas, grocery or drug store premises, but are classified in another manner; in which case this added benefit will not apply. Any returns or other credits for Card purchases at grocery, gas or drug stores will be deducted from your Aeroplan Account at the rate of 1.5 Aeroplan Miles per dollar. Bonus Miles offer is only available on the first $80,000 in net annual Card purchases on your Card account (meaning all Card purchases by all Cardholders at any type of merchant); after that, net Card purchases at these merchants will earn Aeroplan Miles at the regular rate. The $80,000 limit will reset to zero after the day your December monthly statement is printed. Terms, conditions and eligible merchant categories may change without notice.

4 Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). Different cards will have different coverage(s). To learn about included insurance(s), and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, see www.cibc.com/ca/credit-card/agreements-insurance.html and the insurance certificate(s) in your card package. Some insurance(s) require purchases, auto rentals, common carrier fares and other trip costs to be charged to the card to activate coverage (other conditions may also apply). Auto Rental Collision/Loss Damage Insurance (CLDI) is for rentals up to 48 days; and the rental agency’s Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) must be declined. CLDI provides coverage up to the actual cash value (ACV) of the rental vehicle as defined in your insurance certificate. Note that some car rental companies may assess their damages at an amount greater than the ACV of the rental vehicle and you may be liable to the car rental company for the difference. Therefore, before declining the car rental company’s CDW or LDW, you should read carefully and compare the terms of the car rental company’s agreement, the CLDI insurance certificate in your card package and any other insurance you own to decide which coverage best meets your protection needs. Certain RSA coverages are "excess insurance" (all other sources of insurance and recovery must be exhausted before benefits are available). For more information, call RSA toll-free at 1-866-363-3338 in Canada, continental U.S. and Hawaii or collect from elsewhere at 905-403-3338.

5 Savings between 5-25% are available off lowest normal (non-promotional) rate on qualifying rentals. Must quote AWD #C277500 or BCD #A748700 at time of reservation at participating Avis ®3locations worldwide or Budget®4 locations in Canada and the U.S. and charge the rental to your CIBC credit card. (Quebec residents may obtain the discount without using their card, provided they show the card when paying by an alternative acceptable payment option). The discount received depends on fleet availability, location, type of vehicle rented and seasonality. Discounts apply to time and kilometer/mileage charges only. Standard rental conditions apply.

6 "Cash" means cash advances, balance transfers and Convenience Cheques. These current annual interest rates may change from time to time after prior notice to cardholders.

7 Aeroplan Miles awarded under the Welcome Bonus are only eligible for 2015 Distinction status if you are approved for a CIBC Aeroplan Credit Card by May 9, 2014.

8 Terms for CIBC Payment Protector™ Insurance for Credit Cards: CIBC and the Insurer, Canadian Premier Life Insurance Company, collect, use and disclose the personal information which you give to enable the Insurer to provide you with the coverage and to review any claim that may be submitted. For more information, call Canadian Premier Life Insurance Company at 1 800-893-2862 for English, 1 800-939-0169 for French. If you wish to write, the Insurer’s address is indicated at the end of this section. Your insurance coverage ends when you reach age 65 for involuntary unemployment and disability, and age 70 for cancer and hospitalization. At age 70, life insurance coverage is limited to death from accidents. To be eligible for the involuntary unemployment coverage, you must be employed on a full time basis (min 30 hours/week), or a part time basis (min. 20hrs/week) with the same employer for a minimum of 3 months in a non-seasonal occupation prior to any claim. If you have been diagnosed with cancer prior to the effective date of your coverage, you will be eligible for cancer benefits after completing 365 days symptom and treatment free. The cancer benefit will not be paid for AIDS, related HIV condition or any form of skin cancer. If you are diagnosed with cancer within the first 60 days from the effective date of your coverage, you will not be eligible for cancer benefits. Disability and hospitalization benefits are subject to a 6- month pre-existing condition exclusion clause. Any disability or hospitalization arising from such condition will not be covered. Disability and hospitalization benefits are subject to other exclusions, including, without limitation, self inflicted injuries, and pregnancy. No life insurance benefits are payable in the event of suicide within 6 months of the effective date of coverage. Involuntary unemployment benefits are subject to exclusions, including, without limitation, dismissal for cause, labour disputes, and loss of seasonal or self-employment. Benefits paid are based on the outstanding balance that appears on your last Credit Card Account statement prior to the date of loss; and any additional charges made to the account after the last billing date prior to the loss are not covered by the claim. CIBC Payment Protector for Credit Cards insurance is underwritten by Canadian Premier Life Insurance Company under Group Credit Insurance Policy GM521C, and is administered by CIBC. CIBC receives a fee from Canadian Premier Life Insurance Company to promote and administer the plan. The cost of this insurance to you, currently $0.89/$100 of your monthly credit card account statement balance, plus applicable taxes, is charged directly to your credit card. By enrolling you agree to be bound by the terms, conditions, limitations and exclusions described in your Certificate of Insurance. When you enroll you have 30 days from receipt of your Certificate to review the details of your coverage. If you are dissatisfied for any reason during this review period, you may cancel your insurance within 30 days of receipt of your Certificate and you will receive a full refund of any premiums paid. You may cancel this insurance at any time by calling 1 800-893-2862 for English, 1 800-939-0169 for French, or by writing to: Canadian Premier Life Insurance Company, 80 Tiverton Court, 5th Floor, Markham, Ontario, L3R 0G4.

9 Terms for Optional 15-Day Multi-Trip Annual CIBC Emergency Travel Medical Insurance (not available for the CIBC Aerogold Visa Infinite, CIBC Dividend Visa Infinite Card , CIBC Dividend Unlimited World MasterCard Card, CIBC Aventura MasterCard Card, CIBC Aventura World MasterCard Card or the CIBC Aventura Visa Infinite Card): Group Master Policy No. H006137 underwritten by Co-operators Life Insurance Company, 1920 College Ave., Regina, Saskatchewan S4P 1C4 phone # 1 888 298 8151. Administered by TIC Travel Insurance Coordinators Ltd. ('TIC'). You authorize TIC to bill the premium to your CIBC credit card each year. Rates are subject to change from time to time on at least 30 days prior notice. Coverage is in effect upon our receipt of the applicable premium. CIBC receives an administration fee from the underwriter in respect of the plan. A detailed summary of the terms, conditions, limitations, exclusions and other provisions are contained in your Certificate of Insurance that you receive upon purchase. You may cancel this insurance within 10-days of receiving the Certificate by contacting TIC at 1 800-898-0392. Prior to your annual plan expiry date, TIC will contact you regarding your options to purchase coverage for another one-year period at the premium rates and with the terms and conditions that are in effect at that time. Call CIBC Travel Assistance immediately at 1 800-848-8454 in the event of an emergency or claim. By signing and initialling on page 2 under section 3, you authorize the TIC to bill the cost (noted below) to your credit card for the 15-Day Multi-Trip Annual CIBC Emergency Travel Medical Insurance optional service referenced in Section 1 of this Credit Card Application.

The current annual rates shown below (which include any applicable taxes) are for those up to and including age 54, and cover new sickness and injury only. Call 1 800-898-0392 if you are age 55 or over, or need pre-existing medical condition coverage.

ONTARIO RESIDENTS: SINGLE TRAVELLER COVERAGE for Primary Cardholder only $69.00 OR FAMILY COVERAGE for the Primary Cardholder, their spouse and any number of dependent children $155.00

QUEBEC RESIDENTS: SINGLE TRAVELLER COVERAGE - Simply log on to http://www.cibc.com/travel or call 1-800-898-0392 www.cibc.com/travel or call 1-800-898-0392 ALL OTHER RESIDENTS OF CANADA (excluding Ontario and Quebec): SINGLE TRAVELLER COVERAGE for Primary Cardholder only $64.00 OR FAMILY COVERAGE for the Primary cardholder, their spouse and any number of dependent children - $144.00.

If you provide false information in this application or otherwise, the coverage may be void.

10Transactions must first be posted to your account before they can trigger a spend alert. It may then take up to 24 hours after a triggering transaction is posted for an alert to be sent. This service is provided by Equifax Canada, a leading credit bureau in Canada.

® Aerogold, Aeroplan and ClassicFlight are registered trademarks of Aimia Canada Inc. ®1/TM1Trademarks of CIBC. ®2/TM2 Distinction is a trademark of Aimia Canada Inc.®3 Avis is a registered trademark licensed to Aviscar, Inc. for use in Canada®4 Budget is a registered trademark licensed to Budgetcar Inc. for use in Canada. All marks used under license. All other trademarks are the property of their respective owners. All information is valid at the time of publication and is subject to change without notice.

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