This credit card is for you if you want:

  • Premium travel rewards with a strong Aeroplan Miles earning potential, including a Welcome Bonus of 15,000 Aeroplan Miles1 upon first purchase
  • Rewards for everyday spending, including 1 Aeroplan Mile for every $1 charged to your card2
  • Additional opportunities to earn Aeroplan Miles, including:
  • Comprehensive insurance benefits, including Out-Of-Province Travel Medical Insurance (first 15 days, age 64 and under3)

CIBC Exclusive Offers:

  • Enjoy Visa Infinite exclusive offers including access to luxury worldwide travel, hotels, dining and entertainment events – visit visainfinite.ca
  • CIBC Travel Concierge Service6 for travel-related needs – 1-866-748-5205
  • Visa Infinite Concierge Service, for all other inquiries – 1-888-853-4458

Other premium card features:

  • Additional purchasing power over your credit limit with no overlimit fee5
  • Car rental discounts of up to 25% at participating Avis®3 and Budget®4 locations with your CIBC credit card7
  • Pre-authorized bill payments with participating merchants Learn more: Pre-authorized payments
  • CIBC Auto Pay service automatically debits your credit card payment from a personal deposit account
  • Electronic statements — call 1-800-465-4653 or visit CIBC eStatements

CIBC CreditSmart®1

As an Aerogold Visa Infinite cardholder, you can manage, track and organize your credit card activity — and get access to enhanced security features. Learn more: CIBC CreditSmart

Authorized User Spending Limits

Assign specific Spending Limits for Purchases and Cash to your Authorized User(s)11 - at no cost!
Learn More

CIBC Online Banking

Get instant access to information on your Aerogold Visa Infinite Card — any time, day or night with CIBC Online Banking. Learn more: CIBC Online Banking or register now: CIBC Online Banking.

Visa payWave™ – Available on your credit card and eligible registered smartphone

This no-fee payment feature is a great alternative to using cash for small purchases. Simply look for merchant terminals with the Contactless symbol, hold your CIBC Visa Card or smartphone in front of the merchant terminal and you’re on your way.

Learn more about using Visa payWave on your credit card, and on your eligible registered smartphone.

Comprehensive coverage includes:

  • Out-of-Province Travel Medical Insurance for the first 15 days of a trip, for primary cardholders age 64 or under3
  • Trip Interruption Insurance3
  • Flight Delay and Baggage Insurance for lost, stolen, damaged or delayed checked baggage3
  • Auto Rental Collision/Loss Damage Insurance3
  • $500,000 Common Carrier Accident Insurance3
Income requirements
Personal income $60,000 minimum
Household income $100,000 minimum

Annual Interest Rates and Annual Fee
Annual Fee $120
Annual Interest Rate - Purchases %9
Annual Interest Rate - Cash %9
Additional Cards $50 each per year (3 card maximum)

Trademarks and disclaimers

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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 Visa Infinite Account is in Good Standing on the 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 Insurance coverage(s) included with CIBC credit cards are provided 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 agreement, the CLDI insurance certificate in your card package and any other insurance you own to decide which coverage best meets your protection needs. Out-of-Province Emergency Travel Medical Insurance is for the first 15 days of a trip; primary cardholder must be age 64 or under; if they are, then their spouse also may be insured if age 64 or under, and dependent children; this insurance does not cover certain pre-existing medical conditions that existed prior to your effective date of coverage. 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.

4 The primary cardholder may use priority check-in, where available, whenever travelling on a ClassicFlight® or Market Fare Flight Reward™ on all flights operated by Air Canada, Air Canada Express™ or Air Canada rouge™. Flights operated by other airlines are not eligible. Benefit only applies when the primary cardholder has booked their Aeroplan Flight Reward by redeeming the miles from their Aeroplan Account. Companions travelling in the same reservation as the primary cardholder may use priority check-in. You may be required to show your CIBC Aerogold Visa Infinite Card to the Air Canada airport agent in order to receive this benefit. Primary cardholders will be eligible for this benefit two weeks after activating their CIBC Aerogold Visa Infinite Card.

Companions travelling in the same reservation may use the priority boarding lane whenever travelling so long as they are travelling on the same reservation as the primary cardholder. You may be required to show your CIBC Aerogold Visa Infinite Card to the Air Canada airport agent in order to receive this benefit. Primary cardholders will be eligible for this benefit two weeks after activating their CIBC Aerogold Visa Infinite Card.

The primary cardholder will receive one complimentary checked bag, up to 23kg (50lbs), whenever travelling on a ClassicFlight or Market Fare Flight Reward on all flights operated by Air Canada, Air Canada Express or Air Canada rouge. Flights operated by other airlines are not eligible. Benefit only applies when the primary cardholder has booked their Aeroplan flight reward by redeeming the miles from their Aeroplan Account. Benefit does not apply to any companion travellers, including companions travelling in the same reservation as the primary cardholder. Service charges for additional/oversized/overweight baggage may also apply. You may be required to show your CIBC Aerogold Visa Infinite Card to the Air Canada airport agent in order to receive this benefit. Primary cardholder will be eligible for this benefit two weeks after activating their CIBC Aerogold Visa Infinite Card.

The primary cardholder will receive one Maple Leaf Lounge One-Time Guest Pass each year. The primary cardholder may access the Maple Leaf Lounge, where available, upon presentation of the Guest Pass and a valid, same-day boarding pass for travel with your Aeroplan Flight Reward on all flights operated by Air Canada, Air Canada Express or Air Canada rouge. Each Guest Pass applies for a single entry by one person only annually. Subject to space availability and at Air Canada's sole discretion, companion travellers may access the Maple Leaf Lounge upon payment of the fees outlined at www.aircanada.com/lounge. The primary cardholder may share their Guest Pass with other companions travelling on their Aeroplan Flight Reward operated by Air Canada, Air Canada Express or Air Canada rouge if they do not wish to use it themselves. Additional conditions apply and are outlined on the Maple Leaf Lounge One-Time Guest Pass. Each Maple Leaf Lounge One-Time Guest Pass has an expiry date; please check the date on your pass. This certificate cannot be sold, is not replaceable if lost or stolen and is not redeemable for cash or other considerations.

5 Additional purchasing power over your credit limit does not mean unlimited spending. Each transaction is assessed on various factors including your payment history and spending patterns so as to determine your additional purchasing power over your credit limit, if any. Since you must repay any amount over your credit limit by your payment due date, your borrowing capacity is not increased and remains at your credit limit.

6 The CIBC Visa Infinite Travel Concierge Service is operated by an independent travel service agency, Merit Travel Group Inc. Registration Numbers: ON.50010422/ 4499356/, BC. 34799-, QC.7002238

7 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 locations worldwide or Budget 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.

8 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.

9 Interest rates will change from time to time on at least 30 days prior notice to primary cardholders. "Cash" means cash advances, balance transfers and Convenience Cheques.

10 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 Visa Infinite cardholders in Good Standing. See aeroplan.com for details.

11 The Primary Cardholder may assign and change the Authorized User Spending Limits (or Spending Limits) on the Credit Card Account to any or all Authorized Users by contacting CIBC. The "Card Spending Limits - Cash" is a limit which falls within the "Card Spending Limits - Purchases" and is not additional credit beyond the "Card Spending Limits - Purchases". The Authorized User Spending Limits that the Primary Cardholder may assign to any one Authorized User at any one time cannot exceed the Credit Limit for the Card. CIBC reserves the right to make adjustments to the Authorized User Spending Limits for any and all Authorized Users at any time following a decrease in the Credit Limit and Cash Limit of the Card. "Cash" refers to Cash Advances, Convenience Cheques and Balance Transfers. Capitalized terms used herein have the meaning given to them in the Cardholder Agreement.

Trademarks

Aeroplan® Miles earning summary

CIBC guarantees that you will not lose your Aeroplan Miles due to 12 months of account inactivity10

Redeem for premium rewards

  • Flight rewards starting at 15,000 Aeroplan Miles
  • Vacation packages, car rentals, and hotel stays for any date and many destinations
  • Activities, merchandise and gift cards
  • Access to priority check-in and priority boarding with your Aeroplan Flight Reward when travelling with Air Canada4
  • Complimentary first checked bag with your Aeroplan flight reward when travelling with Air Canada4
  • One Maple Leaf™ Lounge One-Time Guest Pass each year to access Maple Leaf Lounges with your Aeroplan flight reward when travelling with Air Canada4

To redeem your Aeroplan Miles, visit aeroplan.com or call the Aeroplan Contact Centre at 1-800-361-5373.

Agreements

Insurance

Optional services

CIBC Payment ProtectorTM1 Insurance for Credit Cards

Help protect yourself and your family with CIBC Payment Protector — coverage for your credit card balance should the unexpected happen. Learn more : CIBC Payment Protector