◊◊ This offer applies to CIBC Global Money Transfers posted to the primary cardholder’s credit card account between February 1, 2021 and November 30, 2021. Earn 1 Aeroplan point for every $6 CA spent on a CIBC Global Money Transfer. This offer may be withdrawn or changed without prior notice at any time.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.
† If you apply and are approved for a new card you will receive a Welcome Bonus of 10,000 Aeroplan points 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 points 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 points 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 This offer may be withdrawn or changed without prior notice at any time.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.
◇ 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 From time to time, primary Aeroplan credit cardholders can get access to preferred pricing, which means they can book flight rewards for even fewer points. The number of points required to book a flight reward is determined by several factors, including, but not limited to, holding an eligible Aeroplan-branded credit card, along with other rules as determined by Aeroplan in its sole discretion.
2 Learn more at Aeroplan Opens in a new window..
3 Insurance coverage(s) included with CIBC credit cards is underwritten by Royal and Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-866-363-3338 Opens your phone app. in Canada and the U.S. or collect from elsewhere at 905-403-3338 Opens your phone app. or visit CIBC Cards Insurance Benefits Opens in a new window.. Different cards may have different coverage(s). To learn about which coverage(s) are included with a specific card, and for important information regarding coverage eligibility requirements, benefits, limitations, and exclusions, review the insurance certificate(s) in your card package and visit CIBC Agreements and Insurance. Some insurance coverage(s) require purchase(s), car rentals, common carrier fares, and other trip costs to be charged to the card to activate coverage (other conditions may also apply). Car Rental Collision/Loss Damage Insurance (CLDI) is available for a rental period of up to 48 days for rental cars with a MSRP of up to $65,000 CAD. 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. Certain coverage(s) are "excess insurance" (all other sources of insurance and recovery must be exhausted before coverage is available).
4 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.
5 Aeroplan points will be earned on card purchases less returns, and not on cash advances, CIBC Global Money Transfers, interest, fees, balance transfers, payments or Convenience Cheques. Earn bonus rate of 1 Aeroplan point on each $1 in purchases (net of and/or less returns) at merchants that are classified in the Visa network as grocery stores, service stations/automated gas dispensers or $1 in purchases (net of and/or less returns) made directly from Air Canada, for products and services completed online at aircanada.com Opens in a new window., in-person at an Air Canada customer service counter at the airport or aboard an Air Canada flight and Air Canada Vacations packages. Excluded from the bonus rate are car rentals, hotel bookings, and other third party partner products and services that can be purchased through aircanada.com Opens in a new window.. Bonus Aeroplan points offer is only available on the first $40,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after which, Aeroplan points are earned at the regular rate on net card purchases. The $40,000 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. Aeroplan points will be awarded only if your CIBC Aeroplan Visa Card account is in Good Standing on each monthly statement date (otherwise Aeroplan points earned in the monthly period are cancelled). Aeroplan partners, rules and regulations are subject to change; refer to Aeroplan Opens in a new window.. We may make special offers, including offers to earn Aeroplan points on CIBC Global Money Transfers, which may be for a limited period and contain additional terms and conditions.
Effective February 1, 2021, Aeroplan points are not earned on CIBC Global Money Transfers™. All other terms above will continue to apply.
We may make special offers, including offers to earn Aeroplan points on CIBC Global Money Transfers™, which may be for a limited period and contain additional terms and conditions.
6 CIBC is not responsible for any Aeroplan points earned under this “earn points twice” feature of the Aeroplan program when the Aeroplan number is provided. For the full terms and conditions of the Aeroplan program, visit Aeroplan Program Terms and Conditions Opens in a new window..
7 Aeroplan points displayed are estimated ranges for one-way or round trip travel, and are for informational purposes only. For travel in high-demand periods, such as a popular time to visit a destination or during a holiday period, the actual price in Aeroplan points might be higher. Aeroplan points required for itineraries combining both Air Canada and partner airline flights may vary. For flight rewards including travel with a partner airline, a partner booking fee will apply. Aeroplan points required for partner airline flight rewards are based on the actual distance flown between origin and destination. Taxes and third-party charges may apply. For full details please visit Aeroplan Program Terms and Conditions Opens in a new window..
8 The rewards calculator tool is only for general illustration purposes; your actual results may differ. Welcome Bonus applies only in the first year. Aeroplan points will be earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments, convenience cheques or Aeroplan point redemptions (as applicable). For the CIBC Aeroplan Visa Infinite Card, bonus rate of 1.5 Aeroplan points on each $1.00 in purchases (net of and/or less returns) on gas, grocery and Air Canada purchases is only available on the first $80,000 in net annual card purchases on the account (meaning all card purchases by all cardholders, at any type of merchant); after that net card purchases at gas and grocery merchants or on Air Canada purchases will earn Aeroplan points at the regular rate of 1 Aeroplan point on each $1.00 in purchases (net of and/or less returns). For the CIBC Aeroplan Visa Business Card and CIBC Aeroplan Visa Business Plus Card, bonus rate of 1.5 Aeroplan points on each $1.00 in purchases (net of and/or less returns) on travel, dining, shipping, cable, internet and phone services purchases and bonus rate of 2 Aeroplan points on each $1.00 in purchases (net of and/or less returns) on Air Canada purchases, are only available on the first $80,000 in net annual card purchases on the account (meaning all card purchases by all cardholders, at any type of merchant); after that net card purchases at travel, dining, shipping, cable, internet and phone services merchants or on Air Canada purchases will earn Aeroplan points at the regular rate of 1 Aeroplan point on each $1.00 in purchases (net of and/or less returns). For the CIBC Aeroplan Visa Infinite Privilege Card, bonus rate of 1.5 Aeroplan points on each $1.00 in purchases (net of and/or less return) on gas, grocery, travel and dining purchases and bonus rate of 2 Aeroplan points on each $1.00 in purchases (net of and/or less returns) on Air Canada purchases, are only available on the first $100,000 in net annual card purchases on the account (meaning all card purchases by all cardholders, at any type of merchant); after that net card purchases at gas, grocery, travel and dining merchants or on Air Canada purchases will earn Aeroplan points at the regular rate of 1.25 Aeroplan points on each $1.00 in purchases (net of and/or less returns). For the CIBC Aeroplan Visa Card, bonus rate of 1 Aeroplan point on each $1.00 in purchases on gas, grocery and Air Canada purchases is only available on the first $40,000 in net annual card purchases on the account (meaning all card purchases by all cardholders, at any type of merchant); after that net card purchases at gas and grocery merchants or on Air Canada purchases will earn Aeroplan points at the regular rate of 1 Aeroplan point on each $1.50 in purchases (net of and/or less returns). Bonus rate earned on Air Canada purchases made directly through an Air Canada channel will not earn bonus rate for travel purchases. Terms, conditions and eligible merchant categories may change at any time without notice.
For details about earning and redeeming rewards, the Welcome Bonus and other card benefits, including terms and conditions, review the benefit guides on CIBC Agreements and Insurance. For the full terms and conditions of the Aeroplan program, visit Aeroplan Program Terms and Conditions Opens in a new window..
In case of a discrepancy between the redemption amount shown above and displayed on Air Canada Flight Rewards Chart, the redemption amount displayed on Air Canada Flight Rewards Chart shall apply. To review the chart, go to Aeroplan Flight Reward Chart (PDF, 475 KB) Opens in a new window.. All information is valid at the time of publication and is subject to change.
9 Subject to availability. If there is a seat available for purchase in cash, it will be available in points. There are no blackout periods.
10 For full details, please visit Aeroplan Program Terms and Conditions Opens in a new window..
11 When you keep your CIBC Aeroplan credit card in Good Standing, your Aeroplan account automatically stays active and your points will not expire. For more information on Aeroplan’s inactivity policy, visit Aeroplan Inactivity Policy Opens in a new window..
12 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.
13 CIBC foreign exchange rates apply. Only primary cardholders can use their eligible credit card account to pay for the CIBC Global Money Transfer™ service.
14 CIBC does not charge interest on a CIBC Global Money Transfer appearing on your statement if we receive full payment of the Amount Due (or for a CIBC Global Money Transfer that has been converted to an Installment Plan during that statement period, if we receive payment in full of the Balance) by the payment due date for that statement. Capitalized terms in this footnote have the meanings set out in the CIBC Cardholder Agreement.
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