CIBC Aeroplan Visa Infinite
Interchangeable with the TD Aeroplan Visa Infinite — chase whichever has the better welcome offer or fee waiver this quarter.
- Annual fee
- $139 (Waived first year (current offer))
- Welcome bonus value (full offer)
- ≈ $950 Up to 50,000 Aeroplan points (10,000 on first purchase + 15,000 on $6K/6 mo + 25,000 anniversary on $12K/12 mo), plus first-year fee waived
- First-year net value
- ≈ $615
- Interest rates
- 21.99% purchases · 22.99% cash advances
Direct issuer link — details verified 2026-08-10
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Standard Score breakdown
StrongSix weighted components, each rated 0–10. “Contributes” is the rating × weight — add all six and you get a raw 6.95/10, published as 7.0/10.
Evidence behind each input
The facts are structured; the rating remains an editorial judgment. Open any component to audit what was considered without mistaking the evidence for an automatic formula.
First-year value7.0/10
The published first-year net value maps directly to the executable anchor ladder.
- $615 first-year net value maps to a 7.0/10 baseline.
- Published first-year input: 7.0/10, matching the baseline.
- The largest structured year-one offer threshold is $6,000 of spend.
- The offer includes value that lands after year one and is excluded from first-year net value.
Ongoing value6.0/10
This input judges recurring earn and cash-like credits after the annual fee; the welcome offer and non-cash perks are excluded.
- $139 annual fee.
- Fee condition: Waived first year (current offer)
- Published earn: 1.5x — Gas, EV charging, groceries, Air Canada; 1x — Everything else.
- No cap is stated in the structured earn rows.
Flexibility6.0/10
This input judges how easily Aeroplan can become useful value without forcing one narrow redemption path.
- Reward currency: Aeroplan.
- Flexibility evidence: Preferred Aeroplan redemption pricing
Perk usability8.0/10
This input credits non-cash benefits at realistic use, separate from cash-like credits already counted in ongoing value.
- No airport lounge access.
- 5 published insurance benefits: Travel medical; Trip cancellation/interruption; Flight delay.
Low friction8.5/10
This input combines network acceptance, caps, conditions, eligibility, and operational effort; a higher rating means less friction.
- Visa acceptance; 2.5% foreign-transaction fee.
- Eligibility: $60,000 personal-income minimum; $100,000 household-income alternative.
- Practical constraint: Functionally a twin of the TD Aeroplan VI — differentiation is mostly which bank you already use
Strategic fit7.0/10
This input asks whether the card fills a distinct role in a small wallet rather than duplicating another card; redemption quality is not counted again here.
- Ranking roles: aeroplan.
- Fit case: CIBC clients who fly Air Canada and check bags — same case as the TD version, different bank.
- Main conflict: You bank elsewhere; pick the Aeroplan VI card from your own bank when offers are equal.
See how the Standard Score works or re-weight it to your priorities.
Earn rates
| Category | Rate |
|---|---|
| Gas, EV charging, groceries, Air Canada | 1.5x |
| Everything else | 1x |
Included insurance
Travel medical · Trip cancellation/interruption · Flight delay · Rental car coverage · Mobile device insurance
Why it earns its score
- Free first checked bag on Air Canada
- Frequent first-year-free offers make it a cheap Aeroplan entry
- Preferred Aeroplan redemption pricing
Where it loses points
- Functionally a twin of the TD Aeroplan VI — differentiation is mostly which bank you already use
- The final 25,000 points require heavy spend and arrive after the first anniversary, when the $139 renewal fee is due
Who it’s for
CIBC clients who fly Air Canada and check bags — same case as the TD version, different bank.
Who should skip it
You bank elsewhere; pick the Aeroplan VI card from your own bank when offers are equal.
The bottom line
Standard Score 7.0/10 — Strong. We estimate ≈ $615 in first-year net value after the $139 fee.
Direct issuer link — no commission shapes this review
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Renewal math
Should you keep this card?
The welcome offer only lands once, and the waived first-year fee bills for real at renewal — so the keep-or-cancel question is whether the $139 fee still pays for itself on earn alone. Enter your monthly spend to see the recurring math.
~$393/year in rewards at this spend − $139 fee = $254/year
The fee pays for itself at this spend — keeping it is defensibleAt this spending mix, the card breaks even around $480/month on the card. Below that, the fee stops earning its keep.
Estimates price your spend at the card’s published earn rates and our Points Standard Index valuations; they ignore category earn caps and any retention offer the issuer might make if you call. Perks you actually use — insurance, lounge visits — are value on top of this math, so weigh them before cancelling.
Welcome-offer history
We’ve tracked this card’s welcome offer since Jul 12, 2026 and log every change, so you can judge whether today’s offer is genuinely strong or just loudly advertised.
| Offer | Est. value | Recorded | Status |
|---|---|---|---|
| Up to 50,000 Aeroplan points (10,000 on first purchase + 15,000 on $6K/6 mo + 25,000 anniversary on $12K/12 mo), plus first-year fee waived | ≈ $950 | Jul 12, 2026 | Current |
Source: issuer card page · Last reviewed 2026-08-10. Details change often — confirm current terms with the issuer before applying.
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