CIBC · Credit Cards
CIBC Aeroplan Credit Cards
CIBC issues two personal Aeroplan Visa cards and one business card, all earning Aeroplan points at the same rates as the equivalent TD cards. The meaningful difference for personal cards is banking: CIBC Smart Plus chequing account holders can have the annual fee waived. The business card distinguishes itself with no bonus-category earn cap and a lower annual fee than the TD equivalent.
Aeroplan — Personal
| Card | Annual fee | Best for |
|---|---|---|
| CIBC Aeroplan Visa Infinite | $139 (or $0 with Smart Plus) | CIBC banking customers and Aeroplan earners who want 1.5x on gas, groceries, and Air Canada with no effective annual fee |
| CIBC Aeroplan Visa Infinite Privilege | $599 (~$460 with Smart Plus) | Frequent Air Canada flyers who want Maple Leaf Lounge access and a companion pass |
| Infinite vs. Infinite Privilege | Side-by-side comparison of both CIBC Aeroplan personal cards | |
| TD vs. CIBC Aeroplan Infinite | Head-to-head: Nexus credit (TD) vs. Smart Plus fee waiver (CIBC) |
Aeroplan — Business
| Card | Annual fee | Best for |
|---|---|---|
| CIBC Aeroplan Visa Business Plus | $120 (first year free) | Businesses with high card volume where no earn cap produces more points than the TD equivalent above ~$13,000/month |
| TD vs. CIBC Aeroplan Business | Side-by-side: earn cap, fee structure, and welcome bonus comparison |
TD or CIBC — which Aeroplan card fits?
A free consultation looks at how you spend, how often you fly Air Canada, and which bank you already use to identify the right card for your wallet.