1 If you apply and are approved for a new card you will receive a Welcome Bonus of 15,000 Aeroplan Miles when you make your first purchase at any time with your card. Purchases do not include cash advances, interest, fees, balance transfers, payments or CIBC Convenience Cheques. Aeroplan Miles are awarded to you within 8 weeks after the qualifying purchase(s) are posted to your account. It may take up to several business days for purchases to be posted to your account. Your new credit card account must be open and in good standing at time the Aeroplan Miles are awarded. This offer is not transferable and cannot be combined with any other offer. This offer does not apply to transfers from another credit card account. This offer may be withdrawn or changed without prior notice at any time. CIBC may, in its sole discretion, disqualify, limit or revoke this offer if you are believed to be abusing or manipulating it, or engaging in any suspicious or fraudulent activity.
2 Your CIBC Aerogold Visa Infinite Card must be in good standing for you to receive or use cardholder benefits including Air Canada benefits.
3 All Air Canada benefits are fulfilled in whole or in part by Air Canada, or its designated affiliates or other third parties, and are subject to change at any time without notice. CIBC and its affiliates are not responsible for fulfilling these benefits. Please allow two weeks from receiving your CIBC Aerogold Visa Infinite Card for all Air Canada benefits to be activated. These benefits only apply when you (the primary cardholder) travel using an Aeroplan Flight Reward on a flight operated by Air Canada, Air Canada Rouge™ or under the Air Canada Express banner. Flights operated by other airlines are not eligible. You must redeem your Aeroplan Flight Reward (defined as a Fixed Mileage Flight Reward or Market Fare Flight Reward) with miles from your Aeroplan Account. To access Air Canada benefits, you may be required to show your CIBC Aerogold Visa Infinite Card to the Air Canada agent. Additional conditions apply and are outlined below.
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 which coverage(s) are included with a specific card, and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, see our Agreements and Insurance page 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 and 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 or 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.
5 Interest rates will change from time to time on at least 30 days prior notice to the primary cardholder. "Purchase" means card purchases less returns and does not include: cash advances, interest, fees, balance transfers, payments and CIBC Convenience Cheques. "Cash" means cash advances, balance transfers and CIBC Convenience Cheques.
6 Earn 1.5 Aeroplan Miles on each $1.00 in purchases (net of or less returns) at merchants classified in the Visa network as grocery stores, service stations, automated gas dispensers or drugstores, and for aircanada.comOpens a new tab in your browser products and services or Air Canada eBoutiqueOpens a new tab in your browser purchases (excluding Air Canada Vacations packages, car rentals, hotel bookings, and other third party partner products and services that can be purchased through aircanada.com. 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 which Aeroplan Miles are earned at the regular rate on net card purchases. The $80,000 annual limit will reset to zero on the day after your December statement is printed. Terms, conditions and eligible merchant categories may change at any time without notice.
7 Aeroplan Miles® are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments or CIBC 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.comOpens a new tab in your browser. 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).
8 Earn even more Aeroplan Miles at over 150 participating Aeroplan Partners, when you use your CIBC Aerogold Visa Infinite Card and present your Aeroplan Card. Visit aeroplan.comOpens a new tab in your browser for the full Terms and Conditions of the Aeroplan Program.
9 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, CIBC Convenience Cheques and balance transfers. For full details visit Credit card add-ons .
10 Use of Aeroplan Miles to cover taxes, fees, charges and carrier surcharges associated with a flight reward booking ("taxes, fees and surcharges") is in addition to the Aeroplan Miles required to redeem for an Aeroplan flight reward. Mileage levels required for the redemption of taxes, fees and surcharges may change without notice. Conditions, limitations and exclusions apply when using Aeroplan Miles to cover applicable taxes, fees and surcharges. For full details, visit Aeroplan Flight Rewards Terms and ConditionsOpens a new tab in your browser.
11 To access Air Canada Priority Travel Services (the complimentary first checked bag, priority check-in and priority boarding), you (the primary cardholder), must redeem your Aeroplan Flight Reward for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express banner with miles from your Aeroplan account. You must also ensure that the name on your Air Canada flight booking is identical to the name on your Aeroplan account. Priority check-in may be extended to companions travelling on the same reservation checking in at the same time as you. Where boarding by zone is available, the priority boarding status will be recognized by a Zone 2 descriptor for you and companions travelling on the same reservation checking in at the same time as you, which will be displayed on the Air Canada-issued boarding pass(es). The complimentary first checked bag, up to 23kg (50 lb), applies solely to you, and not to companions travelling with you, and service charges for additional, oversized or overweight baggage may apply. Applicable on flights that do not already offer a complimentary first checked bag.
12 You (the primary cardholder) will receive one Air Canada Maple Leaf Lounge One-Time Guest Access Benefit once every calendar year (January 1 to December 31), which applies for a single entry by you only, and it cannot be carried forward to the next calendar year or transferred to another person. You may access an Air Canada Maple Leaf Lounge, where available, upon presentation of your active CIBC Aerogold Visa Infinite Card with a valid, same-day boarding pass for travel using an Aeroplan Flight Reward only, on a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express banner. To access this benefit, you must redeem your Aeroplan Flight Reward with miles from your Aeroplan Account. Additional conditions may apply and are outlined on aircanada.com/cibcbenefitsOpens a new tab in your browser. Air Canada Maple Leaf Lounge Access is subject to availability and all other current terms and conditions that are subject to change at Air Canada’s sole discretion from time to time. Visit Air Canada Maple Leaf Lounge admittance terms and conditionsOpens a new tab in your browser for details.
13 The goods and services you request or obtain through the Visa Infinite Concierge are provided by various third-party service providers unrelated to Visa or CIBC. Neither Visa nor CIBC endorses, reviews, qualifies, makes any representations or warranties (either express or implied) about, or assumes responsibility or liability for these service providers or the goods and services obtained. Neither Visa nor CIBC can guarantee the successful fulfillment of your requests in all instances. There is no fee for the Visa Infinite Concierge’s services; however, you are responsible for the cost of any goods or services (including any related fees or costs) authorized by you and purchased by the Visa Infinite Concierge on your behalf. All costs will be charged directly to your CIBC Aerogold Visa Card.
14 The appearance by all chefs, sommeliers and bartenders is subject to change without notice. Offer is based on availability and additional terms and conditions may apply. You will be informed of any event postponements or cancellations at least one week prior to event date. In the event of a cancellation, you will receive a full refund.
15 You must be legal drinking age to participate in the benefits. Void where prohibited. All wine tastings and discounts are subject to terms and conditions as specified by participating wineries. All discounts apply before applicable taxes. For Visa Infinite Wine Country Program dinners, you will be informed of any event postponements or cancellations at least one week prior to event date. In the event of a cancellation, you will receive a full refund.
16 Visa Infinite Luxury Hotel Collection – To enjoy automatic benefits, you must use your CIBC Aerogold Visa Infinite Card to reserve and pay for your stay at a Visa Infinite Luxury Hotel Collection property and book through the Visa Infinite Concierge or exclusive Visa Infinite Luxury Hotel Collection web portal. Visa reserves the right to modify or cancel this offer at any time and without notice. The Visa Infinite Luxury Hotel Collection benefits and services are provided by the individual hotels or their operators and suppliers. For full program terms and conditions please visit Visa Luxury Hotel CollectionOpens a new tab in your browser.
17 CIBC Payment Protector Insurance for Credit Cards is optional creditor’s group insurance underwritten by Canadian Premier Life Insurance Company under a group policy issued to CIBC as group policyholder.
18 We may withdraw approval if we become aware of any unfavourable information regarding your financial position or account status, or if you are unable to provide any additional information reasonably requested by CIBC. The application response time may take longer than 60 seconds in the event of technology issues. If you supply your email address, an application status email will be sent as soon as the technology issues are resolved. Otherwise, you will receive a response to your credit card application within 7 to 10 business days.
20 The rewards calculator tool is only for general illustration purposes; your actual results may differ. Aeroplan Miles, Aventura Points, cash back and Tim Cash are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments, regular CIBC Convenience Cheques, Aeroplan Mile and Aventura Point redemptions (as applicable). For the Aerogold Visa Infinite Card, the Aventura Visa Infinite Card and the Aerogold Visa Card, 50% more Aeroplan Miles or Aventura Points on gas, grocery and drugstore card purchases 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 grocery, drugstore and gas merchants will earn Aeroplan Miles or Aventura Points at the regular rate. For the Aerogold Visa Infinite Privilege Card, 50% more Aeroplan Miles on gas, grocery and drugstore card purchases is only available on the first $100,000 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 grocery, drugstore and gas merchants will earn Aeroplan Miles or Aventura Points at the regular rate. For CIBC cash back credit cards, cash back is earned on a tiered basis and is dependent upon the net annual dollar amount spent on the card over the year to date. For details about earning and redeeming rewards, the Welcome Bonus and other card benefits, including terms and conditions, review the benefit guides found here.
This chart is for illustrative purposes only. Welcome Bonus applies only in the first year.
All information is valid at the time of publication and is subject to change without notice.