The CIBC Aeroplan® Visa Infinite Card* is a travel rewards card for those, who often fly with Air Canada or actively plan to travel. This credit card provides numerous features, which can be useful when you travel or which can make your travel more enjoyable, like for example, accelerating the earning of Aeroplan points, free checked baggage, as well as some other Visa Infinite benefits.

Thanks to prompt insurance protection and a stunning system of rewards, the CIBC Aeroplan® Visa* Infinite Card is used by many active travelers as an essential tool. This card brings everything you need to make your flight, be it a regular one for business purposes, or an occasional one for leisure, as comfortable and problem-free as possible so that you can concentrate on your travel adventures.

Key information about the CIBC Aeroplan® Visa Infinite* card

The CIBC Aeroplan Visa Infinite card is packed with useful features that should appeal to the business traveler. Cardholders earn 1. Total of 5 Aeroplan points for every dollar spent at participating gas station, electric vehicle charging, grocery stores, restaurants as well as Air Canada and total of 1 Aeroplan point for every dollar on any other purchase.

How does the annual fee work?

The CIBC Aeroplan Visa Infinite card comes with an annual fee that is $80 to be paid by the cardholder. Still, this fee can be refunded if the client has a CIBC Smart Plus™ Account, in such a case the card works for free. Also, you can have more up to 3 authorized users included to your account, the charge being $50 yearly for each user.

How is the credit limit determined?

Like any other credit card, the amount of credit limit for the CIBC Aeroplan Visa Infinite card depends with the credit score, income and general credit worthiness of the applicant. Like all typical credit cards, CIBC uses these standards to establish an appropriate limit that accredits your financial position. That way cardholders are offered a limit that they are likely to spend and also a limit that is easy for them to repay.

Credit card benefits 

• Accelerated points earning: Earn 1.5 Aeroplan points for every $1 spent on eligible gas, electric vehicle charging, groceries, and Air Canada purchases.
• Free first checked bag: Enjoy a free first checked bag on Air Canada flights for you and up to eight companions on the same reservation.
• No additional airline surcharges: Avoid extra fees when booking flights through Air Canada’s rewards program, maximizing the value of your Aeroplan points.
• Exclusive Visa Infinite benefits: Access unique dining experiences, hotel upgrades, and 24/7 concierge services with Visa Infinite privileges.
• Fourth night free: Receive a complimentary fourth night when redeeming Aeroplan points for three consecutive hotel nights.
• Comprehensive travel insurance: Benefit from extensive travel insurance coverage, including emergency medical, trip cancellation, flight delay, and baggage insurance.

Accelerated points earning with aeroplan

What sets the CIBC Aeroplan Visa Infinite card out as one of the best credit cards is the ability to earn points at a faster rate. Cardholders earn 1. 5 Aeroplan points for every dollar spent on the necessary purchases inclining gas, groceries and Air Canada product.

Disadvantages

• High annual fee: At $139 per year, the card’s fee may be prohibitive for those who do not fully utilize its travel benefits.
• High interest rates: The card has a purchase interest rate of 20.99% and a cash advance interest rate of 22.99% (or 21.99% for Quebec residents), which can add up quickly if balances are not paid in full.
• Income requirements: A minimum annual income of $60,000 (or $100,000 household income) is required, making this card less accessible to lower-income individuals.

High annual fee

The main disadvantage of the CIBC Aeroplan Visa Infinite card is the existent annual fee. All in all, the card has many advantages which could be of great use for a frequent traveler, in this case the $139 could be a justified price However, for those people who do not travel often or who do not use all the benefits provided by the card, the fee would be rather high.

Who can apply for this card?

Some of the requirements that one must meet before being approved for the CIBC Aeroplan Visa Infinite card include the following; You are required to be a resident of Canada and must be of the legal age to contract in the province or territory which you live in. Also, the annual income of the applicant should be at least $60 000 or the household income should be not less than $100 000, which corresponds to the position of the card.

How to apply for the CIBC Aeroplan® Visa Infinite* card

Applying through the website

It is possible to apply for the CIBC Aeroplan Visa Infinite card online and it will take only a few minutes. First, go to the home page of the CIBC and search for the credit cards option that is mostly found at the topmost part of the website. On this page, you have CIBC Aeroplan Visa Infinite Card among the offered credit cards. After doing the above, please click on the blue button that has the inscription “Apply Now”.

Subsequently, you will be asked to login if you are a CIBC customer or you can use the site as a guest if you do not have an account with CIBC. There will also be some identification data of the applicant, their complete name, residential address, phone number, and, of course, SIN. It is important to make sure you fill all the details correctly and recent information, as any wrong information will cause delay in processing of the approval.

Following the input of your individual information, you will be asked to input data concerning your earnings and occupation. This entails the following, position held, organization you work for and annual salary. If you are applying for based on the household income then prepare yourself to provide some information about the total income of the household.

After filling all the required and other optional fields, read the condition carefully. This includes determining the interests charges, the yearly fees on the card as well as any benefits and protection that is offered by the card. Before sign up we need to make sure that you or the member understand all the financial obligations and benefits in terms of the CIBC Aeroplan Visa Infinite Card.

Finally, submit your application. You can get an immediate response; or CIBC may get back to you for further particulars or proof. If your application is approved, CIBC will mail your new CIBC Aeroplan Visa Infinite Card within a few business days. As soon as you get your card, you can begin a process of activation and take advantage of numerous travel opportunities as well as rewards.