CIBC Aerogold® Visa Infinite™ Card

Earn more miles, earn more flights

15,000 Aeroplan® Miles Welcome Bonus1

CIBC Aerogold® Visa Infinite* Card

  • Earn 1 Aeroplan Mile for every $1 spent using your card2
  • Earn 1.5 Aeroplan Miles for every $1 spent at gas stations, grocery stores, drug stores and on purchases at aircanada.com®3 (excluding Air Canada® Vacation packages)
  • Get exclusive Air Canada and Visa Infinite travel benefits

Rewards

More Aeroplan Miles. More Rewards

15,000 Aeroplan Miles Welcome Bonus1

That’s enough for a short-haul flight in Economy class to select destinations4

Fly to destinations in Canada and the continental USA on a long-haul flight in Economy Class for as little as 25,000 Aeroplan Miles.4

Aeroplan Distinction™ Program

Qualifying members enjoy exclusive flight reward benefits, bonus Aeroplan Mile offers and privileges. Visit aeroplan.com/distinction for details.

1 Mile 1 Aeroplan Mile for every $1 spent using your card2

1.5 Miles1.5 Aeroplan Miles for every $1 spent at gas stations, grocery stores, drug stores and on purchases at aircanada.com3 (excluding Air Canada Vacation packages)3

3 MilesEarn up to 3 Aeroplan Miles for every $1 spent at participating CIBC Bonus Rewards restaurants, hotels, inns and spas5

Earn even more Aeroplan Miles at over 150 participating Aeroplan Partners, when you use your CIBC Aerogold Visa Infinite Card and present your Aeroplan Card6.

Aeroplan Miles do not expire as long as you stay active6. CIBC guarantees that you will not lose your Aeroplan Miles due to 12 months of account inactivity7.

Find out how many Aeroplan Miles you could be earning

Use the sliders to indicate your approximate monthly credit card purchases.

This tool is currently unavailable. Please see Overview and Advice.

Benefits

Travel in comfort with premium travel benefits

Get exclusive Air Canada benefits when travelling on an Aeroplan flight reward8

Priority Airport Services

Priority check-in Dedicated counters with personalized full check-in service available across the Air Canada network9.

Priority boarding Dedicated priority boarding lane which allows you the luxury of boarding first across the Air Canada network10.

Complimentary first checked bag on Air Canada flights11

Airport Lounge Access

Maple Leaf™ Lounge access Receive one Maple Leaf Lounge One-Time Guest Pass each year to access Air Canada’s award-winning Maple Leaf Lounges when traveling on an Aeroplan flight reward. These passes are not replaceable if lost or stolen12.

Premium Benefits

Lifestyle rewards Enjoy a wide variety of rewards including hotel stays, vacation packages and cruises. You can also redeem miles for a wide selection of merchandise, gift cards and one-of-a-kind activities.

Luxury Hotel benefits Enjoy hotel amenities, including VIP Guest status, free in-room Internet and complimentary continental breakfast, at more than 900 of the world’s most prestigious hotels13.

Additional purchasing power

Get purchasing power over your credit limit with no overlimit fee and earn even more travel rewards14.

This card is perfect if you:

  • Want a faster way to collect Aeroplan Miles
  • Want comprehensive insurance coverage including flight, auto rental and travel medical insurance15
  • Enjoy perks such as Avis® and Budget® car rental discounts16
  • Enjoy Visa Infinite exclusive offers including access to luxury worldwide travel, hotels, dining and entertainment events – visit visainfinite.ca
  • Want access to the CIBC Visa Infinite Personal Concierge Service — assistance with anything on your to-do list, available 7 days a week, 24 hours a day at 1-888-853-4458
  • Have a minimum personal income of $60,000 or a minimum household income of $100,000

Annual Fee: $120 Each Additional Card: $50 (3 card maximum)

Annual Interest Rates – Purchases17: % Annual Interest Rate – Cash17: %

Insurance Coverage

Travel confidently with CIBC insurance

Included

  • Out-of-Province Emergency Travel Medical Insurance covers the primary cardholder, their spouse and dependent children for the first 15 days of a trip if the covered person is age 64 or under, or for the first 3 days of a trip if the covered person is age 65 or older15
  • Trip Cancellation/Trip Interruption Insurance15
  • Flight Delay and Baggage Insurance for lost, stolen, damaged or delayed checked baggage15
  • Auto Rental Collision/Loss Damage Insurance15
  • $500,000 Common Carrier Accident Insurance15
  • Purchase Security & Extended Protection Insurance15

Why CIBC

Even more reasons to choose the CIBC Aerogold
Visa Infinite Card

Authorized User Spending Limits

Assign specific spending limits for purchases and cash to any of your authorized user(s) – at no cost18.

CIBC CreditSmart®

As a CIBC Aerogold Visa Infinite cardholder, you can manage, track and organize your credit card activity - and get access to enhanced security features.

CIBC Online Banking®

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

CIBC Mobile Banking®

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

CIBC Mobile Payment™ App

Make secure credit card purchases of up to $50 at participating vendors using an eligible smartphone.

Visa payWave*

Available on your Visa payWave-enabled credit card and eligible registered smartphone through the CIBC Mobile Payment App. This no-fee payment feature is a great alternative to using cash for small purchases up to $100. 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 way19.

Ratings and Reviews

1 You will receive a Welcome Bonus of 15,000 Aeroplan Miles after you make your first purchase at any time with your card. The following do not qualify as purchases: cash advances, interest, fees, balance transfers, payments, Convenience Cheques. It may take up to several business days for purchases to be posted to your account. Bonus miles will be awarded to the primary cardholder on the first monthly statement after the qualifying purchase(s) are posted to the account. Card account must be open and in good standing at the time the Aeroplan Miles are awarded. Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Aerogold Visa Infinite Card are excluded. Offer and bonus miles are non-transferable. Offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion. Offer may be withdrawn or changed without notice at any time.

2 Aeroplan Miles are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments or Convenience Cheques. Taxes, landing and departure fees and other charges and surcharges may apply to Aeroplan reward travel. Aeroplan partners, rules and regulations are subject to change without notice, please refer to aeroplan.com. Aeroplan Miles will be awarded only if your CIBC Aerogold Visa Infinite account is in good standing on the monthly statement date (otherwise Aeroplan Miles are cancelled).

3 Earn 1.5 Aeroplan Miles on purchases (excluding returns) at merchants that are classified in the Visa network as grocery stores, service stations/automated gas dispensers or drug stores and aircanada.com excluding Air Canada Vacation packages. This bonus Aeroplan Miles offer is only available on the first $80,000 in net annual card purchases on your 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 statement is printed. Terms, conditions and eligible merchant categories may change at any time without notice.

4 Visit the Aeroplan Flight Reward Chart at http://www.aeroplan.com/FlightRewardChart.do for complete information about mileage levels for Flight Rewards.

5 The number of rewards you may earn differs based on the eligible credit card and the participating CIBC Bonus Rewards establishment and may only be earned when you use your eligible credit card for payment. Some restrictions apply. Take-out, gift certificates and retail merchandise for purchase at a participating restaurant establishment may not qualify. The CIBC Bonus Rewards Benefit cannot be combined with other promotional offers. CIBC Bonus Rewards terms, conditions and participating establishments may change without notice. For full details, visit cibcbonusrewards.com.

6 Visit aeroplan.com for the full Terms and Conditions of the Aeroplan Program.

7 Aeroplan rules require at least one accumulation or redemption transaction every 12 months in an Aeroplan Account or the Aeroplan Miles will expire. CIBC has ensured that this doesn't happen to the one Aeroplan account which is connected to a CIBC Aerogold Visa Infinite account and which receives all Aeroplan Miles earned by cardholders on that Visa account, provided the account is in good standing. Visit aeroplan.com for the full Terms and Conditions of the Aeroplan Program.

8 Your CIBC Aerogold Visa Infinite Card account must be in Good Standing for you to receive or use cardholder benefits including Air Canada benefits.

9 The primary cardholder may use priority check-in, where available, whenever traveling 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 may use priority check-in, so long as they are traveling 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 receiving their CIBC Aerogold Visa Infinite Card.

10 The primary cardholder may use the priority boarding lane whenever traveling 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 traveling in the same reservation may use the priority boarding lane, so long as they are traveling 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 receiving their CIBC Aerogold Visa Infinite Card.

11 The primary cardholder will receive one complimentary checked bag, up to 23kg (50lbs), whenever traveling 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 traveling 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 receiving their CIBC Aerogold Visa Infinite Card.

12 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. 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 give their Guest Pass to 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. Each Maple Leaf Lounge One-Time Guest Pass has an expiry date.

13 Visa Infinite Luxury Hotel Collection. For full program terms and conditions and to view the Luxury Hotel Collection portfolio, please visit visaluxuryhotelcollection.com. Guests must use their Visa Infinite card to reserve and pay for their stay at a Luxury Hotel Collection property through the Visa exclusive web portal to enjoy the automatic benefits.

14 Additional purchasing power over your credit limit does not mean unlimited spending and is itself subject to a limit. The amount of your additional purchasing power over your credit limit is determined based on an assessment of various factors including your payment history and spending patterns. You must repay any amount over your credit limit by your card payment due date.

15 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 which coverage(s) are included with a specific card, 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 coverage(s) require purchase(s), 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 available for automobile rentals of up to 48 days. The full cost of the rental must be charged to the card 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 rental agencies may assess their damages at an amount greater than the ACV of the rental vehicle and you may be liable to them for the difference. Before declining the rental agency’s CDW or LDW, you should read carefully and compare the terms of the 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 (TMI) covers the primary cardholder, their spouse and dependent children for the first 15 days of a trip if the covered person is age 64 or under*, or for the first 3 days of a trip if the covered person is age 65 or older*;*Dependent children must be age 20 or under or a full-time student age 24 or under, unless they have a permanent physical or mental deficiency. TMI may not cover medical procedures performed without pre-approval. TMI, Trip Cancellation and Trip Interruption Insurance may not cover certain pre-existing health/medical conditions. Certain RSA coverages are “excess insurance” (all other sources of insurance and recovery must be exhausted before coverage is 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.

16 Discounts are determined by the participating rental agency and apply to time and kilometer/mileage charges only.

17 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.

18 The primary cardholder may assign and change the Authorized User Spending Limits on the credit card account for any authorized user(s) by contacting CIBC. CIBC may make adjustments to the spending limits any time following a decrease in the Credit Limit or Cash Limit of the card. "Cash" refers to cash advances, Convenience Cheques and balance transfers. For full details visit https://www.cibc.com/ca/credit-cards/budgeting-spend/spending-limits.html.

19 Subject to merchant transaction limits.

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