† You can qualify for this offer if you apply and are approved for a new eligible card between January 15, 2020 to July 5, 2020. In order to be eligible for this offer, a client must abide by the terms and conditions set out in this footnote.
If you apply and are approved for a new CIBC Aerogold® Visa Infinite* card, you can receive:
i. A welcome bonus of 20,000 Aeroplan Miles when you make your first purchase at any time with your card
The 20,000 Aeroplan Miles will appear on your statement as follows:
i. Welcome bonus of 15,000 Aeroplan Miles
ii. Additional bonus of 5,000 Aeroplan Miles
ii. An anniversary bonus of 15,000 Aeroplan Miles when you have at least $10,000 in net purchases posted to your account during the first 12 monthly statement periods. The anniversary bonus points are awarded to you within 8 weeks after all qualifying purchase(s) are posted to your account after the one year account open date, provided your credit card account is in good standing. Additional cardholders are not eligible for this offer.
iii. A one-time annual fee rebate for you (the primary cardholder) and up to three authorized users added at the time of the application. This offer does not apply to annual fees for authorized users that are added after you submit your application. This offer applies for the first year only. If your application for an eligible card is not approved, you may be considered for another card (as disclosed in your credit card application). If you are approved for that card, this annual fee rebate offer will apply in the amount of the annual fee, if any, of the alternate card. If you qualify, the rebate will be awarded to you and will appear as a credit against the applicable annual fee(s) within two statements. Your new credit card account must be open and in good standing at time the rebate is awarded.
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to CIBC Aerogold® Visa* Infinite Card are excluded. Card account must be open and in good standing at the time the bonus Aeroplan Miles are awarded. Aeroplan Miles are awarded to you within 8 weeks after all qualifying purchase(s) are posted to your account. The following do not qualify as purchases: cash advances, balance transfers, CIBC Convenience Cheques, fees, interest, payments and Aeroplan Miles redemptions. It may take up to several business days for purchases to be posted to your account. This offer is not transferable to any other card account. This offer may be withdrawn or changed without prior notice at any time. This 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.
‡ CIBC Pace It™ Installment Plans allow primary cardholders to convert posted eligible Card Transaction(s) to monthly installment payments (including interest) over a fixed period of time. When you create an Installment Plan you will have the ability to choose the payment term (in months) with a corresponding annual interest rate. A One Time Installment Fee of 1.50% of the purchase amount applies. Once you accept the Installment Plan Terms and Conditions and create the Installment Plan through CIBC Online or Mobile Banking, you can cancel it at any time but you cannot change it. CIBC Pace It™ Installment Plans are only available: (a) on Accounts in good standing; (b) for certain eligible Card types and eligible Transactions; and (c) to non-Quebec residents.
1 Subject to change by Aeroplan. According to Aeroplan's current reward chart, destinations reflect a roundtrip Fixed Mileage Flight Reward® in Economy Class departing from within Canada or within the continental US (plus applicable fees and taxes). Fixed Mileage Flight Reward (starting at 15,000 Miles as of November 1, 2019) availability is capacity controlled and is subject to availability at time of booking as well as seasonality of demand. Taxes, landing and departure fees, and other charges and surcharges may apply to Aeroplan Flight Rewards. Aeroplan Partners, rules and regulations are subject to change without notice. For full details on Aeroplan's current reward chart, please visit aeroplan.com. Fixed Mileage Flight Rewards are available at fixed mileage levels, for example above: Aeroplan Miles can be redeemed for a round-trip Fixed Mileage Flight Reward in economy class in Canada and the continental U.S. Miles. Redemption values are accurate as of December 15, 2015, and may change without notice. For details, see the Aeroplan Flight Rewards terms and conditionsOpens a new window in your browser.
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, go to Agreements and Insurance and review 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 the insurer toll-free at 1-866-363-3338 in Canada, the continental U.S. and Hawaii or collect from elsewhere at 905-403-3338. You can also visit cibccentre.rsagroup.caOpens a new window in your browser..
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.