CIBC · Credit Cards
CIBC Credit Cards
CIBC issues two families of travel cards. Two personal Aeroplan Visa cards and one business card earn Aeroplan points at the same rates as the equivalent TD cards; three Aventura Visa cards earn CIBC’s own Aventura points, redeemable for any airline through the CIBC Rewards Centre; and the no-fee Costco Mastercard pays cash back as an annual Costco certificate. On the Aeroplan side the meaningful difference 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) |
Aventura — Personal
| Card | Annual fee | Best for |
|---|---|---|
| CIBC Aventura Gold Visa | $139 (first year rebated) | The same 2x / 1.5x / 1x earn as the Visa Infinite with a $15,000 household income requirement |
| CIBC Aventura Visa Infinite | $139 (first year rebated) | CIBC clients who want a travel card without an Aeroplan account: 1.5x gas, groceries and drug stores, points cover any airline |
| CIBC Aventura Visa Infinite Privilege | $499 ($200 travel credit) | High spenders on dining, transit and groceries who will use six lounge visits a year |
Cash back — Personal
| Card | Annual fee | Best for |
|---|---|---|
| CIBC Costco Mastercard | $0 | Costco members who want the one card the warehouse takes: 3% at restaurants and Costco gas, paid yearly as a Costco certificate |
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.