cibc aerogold travel insurance

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CREDIT CARDS

Enjoy more ways to upgrade your journey with your CIBC Aeroplan® card

Discover what your cibc aeroplan card can do for you.

Earn Aeroplan points faster, travel more and enjoy a richer experience when you're ready to redeem or purchase flights. Get useful travel benefits plus insurance coverage you can rely on.

Choose your card to find out what you get

CIBC Aeroplan® Visa Infinite Privilege* Card

CIBC Aeroplan® Visa Infinite* Card

CIBC Aeroplan® Visa* Card

CIBC Aeroplan® Visa* Card for Students

CIBC Aeroplan® Visa* Business Card

CIBC Aeroplan® Visa* Business Plus Card

Have a card we don't offer anymore choose your card to learn more about it.

CIBC Aerogold® Visa* Card

Explore your card's features and benefits.

$599  for primary cardholder

$149 for each authorized user

Highlighted features and benefits

• Earn 1.5 Aeroplan points per $1 spent on eligible gas, grocery, electric vehicle charging, travel and dining; and 2 points per $1 spent with Air Canada ®  directly, including through Air Canada Vacations 2
• Earn 1.25 Aeroplan points per $1 spent on all other purchases 2
• Free first checked bag for the primary cardholder, authorized users and up to 8 companions (up to a maximum of 9 travellers) when your travel starts on an Air Canada flight 3,4
• Priority Check-in, Priority Boarding and Priority Baggage Handling for the primary cardholder, authorized users and up to 8 companions (up to a maximum of 9 travellers) travelling on the same Air Canada flight reservation 4,5
• Authorized users can enjoy eligible travel benefits even when travelling without the primary cardholder by  linking their Aeroplan number Opens in a new window. 4
• Select Maple Leaf Lounge™ and Air Canada Café™ access in North America for the primary cardholder and authorized users 4,6  — bring 1 guest with you in the first year any time before December 31, 2023 4,7
• Effective July 1, 2022: Elevate your airport experience with 6 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program 7 . Enroll now by downloading the Visa Airport Companion App for free or visiting Visa Airport Companion Opens in a new window. . 8 
• 1 Annual Worldwide Companion Pass from $99 to a maximum of $599 (plus taxes, fees, charges and surcharges) 4,9
• 1 NEXUS ◊  application fee rebate ($50 US) once every 4 years 10
• Out-of-Province Emergency Travel Medical
• Trip Cancellation and Interruption
• Flight Delay and Baggage
• Hotel Burglary up to $2,500
• Car Rental Collision and Loss Damage
• Purchase Security and Extended Protection
• Mobile Device up to $1,500
• Common Carrier Accident
• Reach, keep and enjoy Aeroplan Elite ™  Status faster with your credit card spend 4,12
• Every Air Canada seat available for purchase is also available for Aeroplan points ⁠— no restrictions 13
• No cash surcharges on flight rewards with Air Canada 14
• With preferred pricing, you can often book flight rewards using even fewer Aeroplan points 15
• With Aeroplan Family Sharing, combine points with other Aeroplan members in your household to redeem your next flight reward sooner 16
• Pay for Aeroplan flight rewards your way, with the flexibility to pay part in Aeroplan points, and part in cash 17

Benefits Guide and upcoming changes (effective July 1, 2022) (PDF, 1.55 MB) Opens in a new window.

Insurance certificates for the Aeroplan Visa Infinite Privilege Card (PDF, 1.3 MB) Opens in a new window.

$139  for primary cardholder

$50 for each authorized user

• Earn 1.5 Aeroplan points per $1 spent on eligible gas, electric vehicle charging, groceries and with Air Canada directly, including through Air Canada Vacations 18
• Earn 1 Aeroplan point per $1 spent on all other purchases 18
• Hotel Burglary up to $2,500
• Car Rental Collision and Loss Damage
• Mobile Device up to $1,000
• Reach Aeroplan Elite Status faster with your credit card spend 4, 20
• Every Air Canada seat available for purchase is also available for Aeroplan points ⁠— no restrictions 13
• No cash surcharges on flight rewards with Air Canada  14
• With Aeroplan Family Sharing, combine points with other Aeroplan members in your household to redeem your next flight reward sooner 16

Benefits Guide (PDF, 2.5 MB) Opens in a new window.

Insurance certificates for the Aeroplan Visa Infinite Card ( PDF, 1.3 MB ) Opens in a new window.

$0  for primary cardholder

$0 for each authorized user

• Earn 1 Aeroplan point per $1 spent on eligible gas, electric vehicle charging, groceries and with Air Canada directly, including through Air Canada Vacations 21
• Earn 1 Aeroplan point per $1.50 spent on all other purchases 21

Benefits Guide (PDF, 3.3 MB) Opens in a new window.

Insurance certificates for the Aeroplan Visa Card (PDF, 430 KB) Opens in a new window.

• Earn 1 Aeroplan point per $1 spent on eligible gas, electric vehicle charging, groceries and with Air Canada directly, including through Air Canada Vacations 23
• Earn 1 Aeroplan point per $1.50 spent on all other purchases 23

$180 for primary cardholder

• Earn 1.5 Aeroplan points per $1 spent on shipping, internet, cable, phone services and dining; and 2 points per $1 spent with Air Canada directly, including through Air Canada Vacations 24
• Earn 1 Aeroplan point per $1 spent on all other purchases 24
• Free first checked bag for the primary cardholder, authorized users and up to 8 companions up to a maximum of 9 travellers when your travel starts on an Air Canada flight 3,4
• 1 Maple Leaf Lounge Guest Pass for every $10,000 you spend, up to 4 passes per year 4,25
• Reach Aeroplan Elite Status faster with your credit card spend 4,20
• With preferred pricing, cardholders can often book flight rewards using even fewer Aeroplan points 15

Benefits Guide (PDF, 4 MB) Opens in a new window.

Insurance certificates for the Aeroplan Visa Card for Business ( PDF, 830 KB ) Opens in a new window.

$120 for first card

$50 for each additional cardholder

• Earn 1.5 Aeroplan points per $1 spent on shipping, internet, cable, phone services and dining; and 2 points per $1 spent with Air Canada directly, including through Air Canada Vacations 27
• Earn 1 Aeroplan point per $1 spent on all other purchases 27
• Free first checked bag for the primary cardholder, authorized users and up to 8 companions (up to a maximum of 9 travellers) when your travel starts on an Air Canada flight 28, 29
• Other cardholders can enjoy eligible travel benefits even when travelling without the Rewards Officer by  linking their Aeroplan number Opens in a new window. 28
• The Rewards Officer will get 1 Maple Leaf Lounge Guest Pass for every $10,000 you spend, up to 4 passes per year 28,30
• Rewards Officers reach Aeroplan Elite Status faster with their business credit card spend 28,32
• With preferred pricing, cardholders can often book flight rewards using even fewer Aeroplan points 33

Benefits Guide (PDF, 4.2 MB)  Opens in a new window.

Insurance certificates for the Aeroplan Visa Business Plus Card ( PDF, 840 KB ) Opens in a new window.

$120 for primary cardholder

• Earn 1.5 Aeroplan points per $1 spent on eligible grocery, gas, electric vehicle charging and drugstore purchases 34
• Earn 1 Aeroplan point per $1 spent on all other purchases 34
• Any Air Canada seat available for purchase is also available for Aeroplan points ⁠— no restrictions 13
• No additional airline surcharges on Air Canada flights booked with Aeroplan points, so no surprises at checkout 14
• Cardholders can often book flight rewards using even fewer Aeroplan points 15
• Pay for Aeroplan flight rewards the way you want with the flexibility to pay part in Aeroplan points, part in cash 17

Benefits Guide (PDF, 2.7 MB) Opens in a new window.

Insurance certificates for the Aerogold Visa Card (PDF, 570 KB) Opens in a new window.

Learn more about the improved Aeroplan loyalty program . Opens in a new window.

Your questions on the Aeroplan program changes answered

If you haven't received your new card yet, you'll get it once your current card expires. Your 16-digit card number will stay the same but your expiry date may change. If it changes, give merchants your new credit card expiry date once you get the card so you can avoid any interruption to your payments.

When you get your new card, you'll need to delete your old card from your mobile wallet and add your new one. To learn how to add a credit card to your mobile wallet, visit Ways to Pay with CIBC .

It won't affect your online or mobile banking access.

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CIBC Aeroplan ® Visa Infinite* Card   🇨🇦

• Air Canada Benefits
• NEXUS Credit
• Visa Infinite Benefits

• 10,000 Aeroplan points when you make your first purchase † .
• 20,000 Aeroplan points when you spend $6,000 or more during the first 4 monthly statements periods † .
• 20,000 Aeroplan points as an additional anniversary bonus when you have at least $15,000 in net purchases posted on your account during the first 12 monthly statement periods † .
• Enjoy a free first checked bag: a $120 value for 2 travellers for each round-trip flight, assuming you take one round-trip Air Canada flight in the first year †
• Plus, get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): over $189 value † .

Fees & Conditions

Per dollar of purchases

Travel Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

With the CIBC Aeroplan® Visa Infinite* Card, you can earn up to 50,000 Aeroplan points and a first-year annual fee rebate :

• Plus, get an annual fee rebate for the first year (instead of $139) †
• Annual fee rebate for the first year for up to 3 additional cardholders (instead of $50 per additional card) †
• Up to eight passengers travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight †

It’s the best CIBC credit card for occasional Air Canada travellers.

• Best CIBC Credit Cards - April 2024
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Alternative Cards

• 2x Points Earn 2 points for every $1 spend on Air Canada or Air Canada Vacations purchases*
• Air Canada Benefits Travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free*
• Preferred pricing Redeem fewer Aeroplan points when booking flight rewards*
• Card Details
• Earn 30,000 Aeroplan points after spending $3,000 in purchases on your Card within the first 3 months.
• Plus, earn an additional 20,000 Aeroplan points when you spend $1,000 in purchases in month 13
• That’s up to $1,100 or more in value when you combine your welcome bonus and card benefits.
• Standard Earn Rate: Earn 2X the points on eligible purchases made directly with Air Canada®* and Air Canada vacations®*
• Standard Earn Rate: Earn 1.5X the points on eligible Dining and Food Delivery purchases in Canada
• Standard Earn Rate: Earn 1X the points on everything else
• Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights
• Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in eligible net purchases charged to your Card
• As an American Express Aeroplan Cardmember, you can often book flight rewards for even fewer points with preferred pricing
• American Express® Experiences: From music and movies, to specially curated dining and online shopping opportunities, stay connected with all that we have to offer from the comfort of your own home
• Enjoy an array of travel related insurance benefits such as Lost or Stolen Baggage Insurance and up to $500,000 in Travel Accident Insurance
• 24/7 Customer Service and Emergency Card Replacement
• As part of our commitment to sustainability, the American Express ® Aeroplan ®* Card has been made with 70% reclaimed plastic.
• No pre-set spending limit on purchases gives you flexibility. Using a charge card is a great way to manage your finances as the balance must be paid in full each month*

American Express is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, click on the Apply now link. Terms and conditions apply.

• Primary card $120
• Additional card $50
• Individual $0
• Household $0
• Purchase Rates —
• Cash Advance Rates —
• Balance Transfer Rates —
• Best American Express Canada Credit Cards - April 2024
• Air Canada 2 Aeroplan Points
• Dining and Food delivery 1.5 Aeroplan Points
• All Spending 1 Aeroplan Point
• Year 1 $1,379
• Year 2+ $379
• Annual Credit
• VIP Lounges
• Travel credit
• Great Welcome Offer

Earn up to $1,200 in value † , including up to 50,000 Aeroplan points † (enough for a round trip to New York City † ) and additional travel benefits. Account must be approved by June 3, 2024.

• Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card †
• Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening †
• Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening †
• Enroll for NEXUS and once every 48 months get an application fee rebate †
• Plus, share free first checked bags with up to 8 travel companions †
• Earn 1.5 points † for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations ® ) made with your card
• Earn 1 point † for every $1 spent on all other Purchases made with your Card
• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
• Your Aeroplan Points do not expire as long as you are a TD ® Aeroplan ® Visa Infinite* Cardholder in good standing.
• Earn big rewards on the little things : Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks ® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks ® Rewards account. Conditions apply.
• Earn Aeroplan Points on your everyday purchases
• Redeem your points for travel and more.
• Take advantage of an extensive suite of travel insurance † .
• Travel lightly through the airport and save on baggage fees † : Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight.
• Complimentary Visa Infinite Concierge † : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
• Visa Infinite Luxury Hotel Collection † : Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.

† Terms and conditions apply.

• Primary card $139
• Additional card $75
• Individual $60,000
• Household $100,000
• Purchase Rates 20.99 % 20.99 % (QC)
• Cash Advance Rates 22.99 % 20.99 % (QC)
• Balance Transfer Rates 22.99 % 20.99 % (QC)
• TD Best Credit Cards - April 2024
• Best Visa Credit Cards - April 2024
• Groceries 1.5 Aeroplan Points
• Gas 1.5 Aeroplan Points
• Air Canada 1.5 Aeroplan Points
• Year 1 $1,425
• Year 2+ $425
• 3X Points Earn 3 points for every $1 spend on Air Canada or Air Canada Vacations purchases*
• Access to Maple Leaf Lounge™* Get complimentary access to some Maple Leaf Lounges in North America*
• Earn 60,000 Aeroplan points after spending $7,500 in purchases on your Card within the first 3 months
• Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in purchases in month 13
• That’s up to $2,600 or more in value when you combine your welcome bonus points and card benefits
• New Offer : Cardmembers can now get an extra night free for every 3 consecutive hotel nights redeemed with Aeroplan points. Offer ends December 31, 2024
• Highest Air Canada earn rate on an Aeroplan payment card in Canada: Earn 3X the points on eligible purchases made directly with Air Canada ®* and Air Canada Vacations ®*
• Standard Earn Rate: Earn 2X the points on eligible Dining and Food Delivery purchases in Canada and earn 1.25X the points on everything else
• Get through the airport quicker with Air Canada Priority Check-In, Air Canada Priority Boarding and Air Canada Priority Baggage Handling
• Enjoy access to select Air Canada Maple Leaf Lounges ™* and Air Canada Café ™ in North America for you and a guest , with a same day ticket on a departing Air Canada ®* or Star Alliance ®* flight
• Enjoy your eligible first checked bag free for up to 9 people travelling on the same reservation on Air Canada flights
• Roll over any unallocated Aeroplan Elite™* Status Qualifying Miles and unused eUpgrade Credits to the following year to enjoy during your travels
• Get access with your American Express ® Aeroplan ®* Reserve Card to more than 1,200 Priority Pass airport lounges and enjoy an oasis of comfort before your flight, regardless of your airline or cabin class
• Receive up to $100 CAD in statement credits every four years when a NEXUS application or renewal fee is charged to your American Express Aeroplan Reserve Card
• Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
• Access to Pearson Priority Security Lane
• Complimentary valet service at the Express Park and Daily Park
• 15% discount on parking rates at the Express Park and Daily Park
• 15% discount on Auto Care services
• American Express® Aeroplan®* Reserve Card is made from precision cut and engraved 13 g metal – it’s the perfect companion on your next exceptional journey
• Insurance Coverage: whether you’re shopping nearby or travelling abroad, you can feel confident knowing you can be taken care of

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment

• Primary card $599
• Additional card $199
• Purchase Rates 21.99 %
• Cash Advance Rates 21.99 %
• Where are American Express Cards accepted in Canada and Quebec?
• Head-to-Head: AMEX Platinum Card vs AMEX Aeroplan Reserve Card
• Air Canada 3 Aeroplan Points
• Dining and Food delivery 2 Aeroplan Points
• All Spending 1.25 Aeroplan Points
• Year 1 $2,130
• Year 2+ $430

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• Travel Insurance
• Travel Medical Insurance

CIBC TRAVEL MEDICAL INSURANCE

Travel insurance that protects you when you leave the country

• Applicable for out-of-country plus out-of-province emergencies
• Emergency travel assistance just a phone call away — 24 hours a day, 7 days a week

Get your quote in minutes 2

CIBC Insurance Travel Medical Coverage is underwritten by Co-operators Life Insurance Company.

Plan Options: Per Trip or Multi Trip

Choose a plan suited to your needs, per trip plan.

• For one trip only
• More economical coverage for you and your family
• Travel for up to the maximum number of days allowed by your provincial or territorial health plan 1
• Extended coverage is available if you’re away longer than originally planned 1

Annual Multi Trip Plan

  Convenient if you travel more than twice a year 2

• Purchase once and have coverage for an entire year 1
• Choose a plan that covers you for up to 8 or 18 days per trip
• Multiple travellers under this plan don’t need to be travelling together to be covered
• Extend your coverage for additional days of travel for longer trips 1

Single and family coverage options available

Coverage highlights

Up to $10 million of travel coverage that you can rely on 4, medical and dental.

• Provides coverage  for eligible hospital and physician's bills, and expenses resulting from an accidental injury, or new sickness or disease 5
• Paramedical services  including those of a chiropractor, chiropodist, or physiotherapist up to $500 if required as a result of a covered emergency
• Dental treatment  for up to $4,000 coverage as a result of an eligible direct accidental blow to the mouth

Transportation

• Costs for return home  or to the nearest appropriate medical facility by regular flight, medically escorted flight, air ambulance or ground ambulance
• Return home  for dependent children or travelling companion who are insured and travelling with you
• A round trip  economy airfare by the most direct route for the transportation of a relative to your bedside if you’re hospitalized as a result of a critical emergency

Convenience and comfort

• Meals and accommodation   expenses up to $300 per day to a total of $1,000 when your trip is delayed beyond the scheduled return date because of a medical emergency or death.
• Coverage extension for up to 72 hours if your trip is delayed beyond your Policy coverage end date because of a medical emergency or other covered event.
• Trip Break allows you to return to your province or territory of residence once without terminating your coverage.

For a detailed summary of benefits, eligibility conditions, limitations and exclusions, review the sample Policy (CIBC Comprehensive Travel Insurance Plan) (PDF, 570 KB) Opens in a new window. .

Pre-Existing Conditions Exclusion 5

Your Pre-existing Conditions Exclusion will be indicated on your confirmation of coverage. If you complete a medical questionnaire, your answers to the questions will determine the Pre-existing Conditions Exclusion that applies to you.

If you’re age 59 or under

The insurance will not pay for losses or expenses incurred for, or as the result of:

• your medical condition that was not stable 90 days before your effective date; or
• any heart condition if you have used nitroglycerine in any form for a heart condition 90 days before your effective date; or
• any lung/respiratory condition if you have an active prescription for or used home oxygen or prednisone for a lung/respiratory condition 90 days before your effective date; or
• an unrepaired aneurysm (4 cm or greater, measured in either length or diameter), that was diagnosed before the effective date; or
• any cancer (other than basal or squamous cell skin cancer or breast cancer treated only with hormone therapy) for which you received treatment 90 days before your effective date.

If you’re age 60 or over

• your medical condition that was not stable during the number of days indicated on your confirmation of coverage (either 90 or 180 days) before the effective date; or
• any treatment you received before the effective date.
• Travelling against the advice of a physician or a condition that was diagnosed as terminal prior to your effective date of coverage.
• Any medical consultation that is non-emergency or elective.
• Any sickness or injury that occurs in an area for which Global Affairs Canada issued a written warning prior to the effective date to avoid all travel, or to avoid non-essential travel, and the sickness or injury is caused by the reason(s) for the warning being issued.

The above is a summary only. There are other limitations and exclusions. For details regarding all limitations and exclusions, refer to the  sample Policy (CIBC Comprehensive Travel Insurance Plan) (PDF, 570 KB ) Opens in a new window.  . In particular, refer to the sections entitled "Specific Conditions/Limits On Coverage” and the sections entitled "Specific Exclusions."

Travel insurance sample quotes

Affordable travel coverage that goes wherever you do, spring break — some sun and fun in cancun.

Any time you leave your province or territory, make sure you’re covered for unexpected medical emergencies. 1

  Did you know:  With the Annual Multi Trip Plan, coverage is valid for one year for trips outside of your province or territory, such as a weekend getaway to Las Vegas or a last-minute shopping spree across the border. 1,2

Traveller profile : single, age : 21, home province : nova scotia, trip duration : 15 days.

Sample Quote

Per Trip Plan Cost : $51.15*

Annual multi trip plan cost (18 days) : $86.29*.

* Sample quotes are based on stated parameters and are for illustration purposes only. Your actual cost will depend on your information. Quotes don’t include applicable taxes.

Family trip to the Maritimes

Whether by car, plane, or train, your coverage begins from the moment you leave your home province or territory.

  Did you know:  With the Annual Multi Trip Plan, coverage for a family is valid for one year for trips outside your province or territory of residence. 1,2  

Traveller profile : parents with two children, ages : 39, 37, 6 and 4, home province : british columbia, trip duration : 7 days, per trip plan cost : $47.74*, annual multi trip plan (8 days) cost : $114.56*.

* Sample quotes are based on stated parameters and are for illustration purposes only. Your actual cost will depend on your information. Quotes don’t include applicable taxes.

Ways to buy

Getting travel insurance may be the easiest part of your trip  .

Who is eligible? Opens in a dialog.

Get your quote in minutes 3

Get a quote by calling us.

To get a quote and apply now, call a licensed insurance agent at 1-800-281-9109 Opens your phone app. .

If you’re aged 60 or over, you’ll be asked some questions about your health history to determine your eligibility for coverage and the applicable premium rate and pre-existing condition limitations and exclusions.

Right to Examine

Please review your Policy when you receive it to ensure it meets your needs. You have 10 days after purchase to return your Policy for a full refund, provided you have not departed on your trip and a claim has not been incurred.

Travel assistance

With cibc travel insurance, assistance is just a phone call away.

In the event of an emergency, call Allianz Global Assistance .

From Canada or the U.S., call  1-833-861-5088 Opens your phone app. .

From all other locations, call collect  1-519-514-1915 Opens your phone app. .

Available 24 hours a day, 7 days a week. During an emergency, whenever possible, our services include:

A healthcare facility  can be identified

The medical facility can be notified  of your arrival to minimize admission delays

Medical Consultants  can discuss with the local physician to determine the best care for you

Messages to your family   can be made to inform them of your status

Escort and transportation home  for your dependent children can be arranged

Emergency translation services  provided in most major languages

Allianz Global Assistance is also your starting point for claims .

Note: If you pay any expenses yourself, you must obtain original itemized receipts.

For pre-travel considerations to help maximize your travel enjoyment, see Travel Tips .

Our partners

CIBC earns compensation from the insurer for the promotion of CIBC Travel Insurance plans.

Distributing firm

CIBC Travel Insurance is administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. Allianz Global Assistance provides the CIBC travel assistance and claims services in respect of all insurance coverage under CIBC Travel Insurance plans.

AZGA Insurance Agency Canada Ltd. operating as Allianz Global Assistance

700 Jamieson Parkway Cambridge, Ontario N3C 4N6 519-742-2800 Opens your phone app.

The insurers

CIBC Travel Insurance plans are underwritten by Co-operators Life Insurance Company, which covers accident and sickness benefits, and The Sovereign General Insurance Company, which covers property and casualty benefits.

Co-operators Life Insurance Company

1920 College Avenue Regina, Saskatchewan S4P 1C4 1-800-454-8061 Opens your phone app.

The Sovereign General Insurance Company

140 – 6700 Macleod Trail South East Calgary, Alberta T2H 0L3 1-800-510-0354 Opens your phone app.

More information about CIBC Travel Insurance

Licensed sectors.

CIBC is licensed to sell damage insurance (broker) and insurance of person.

Are we not meeting all of your expectations? Follow Allianz’s complaint process Opens in a new window.

Select your country and language

Please note: Multilanguage sites do not provide full access to all content on CIBC.com. The full CIBC website is available in English and French.

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CIBC Aeroplan® Visa Infinite* Card

Best offer is available publicly

Signup bonus:, annual fee:, interest rates:, earning rate:, perks & benefits:.

The CIBC Aeroplan ® Visa Infinite * Card is the go-to Aeroplan credit card for those loyal to the CIBC financial network. Cardholders enjoy a suite of ongoing Air Canada perks, as well as an annual fee rebate in the first year.

The information for the CIBC Aeroplan Visa Infinite Card has been collected independently by Prince of Travel. The card details on this page have not been reviewed or provided by the card issuer.

Bonuses & Fees

The CIBC Aeroplan ® Visa Infinite * Card currently offers up to 50 ,000 Aeroplan points as a signup bonus, † awarded in three parts:

• Earn 10,000 Aeroplan points upon first purchase †
• Earn 20,000 Aeroplan points upon spending $6,000 in the first four months †
• Earn  20,000 Aeroplan points as an anniversary bonus upon spending $15,000 in the first year †

The $139 annual fee is currently rebated for the first year. † Otherwise, if the first-year fee rebate weren’t available, then it can be waived if you have a CIBC Smart Plus Chequing Account . †

The signup bonus of 50,000 points is one of the better offers we’ve seen on the card in terms of welcome bonuses, even if it comes paired with a relatively hefty minimum spending requirement in the first year.

Supplementary cards may be added for an annual fee of $50 apiece, † although the first three supplementary cards enjoy a first-year annual fee rebate under the current promotion. †

Earning Rewards

The earning structure on the CIBC Aeroplan ® Visa Infinite * Card is as follows:

• Earn 1.5 Aeroplan points per dollar spent on eligible gas, groceries, electric vehicle charging, and Air Canada purchases †
• Earn 1 Aeroplan point per dollar spent on all other eligible purchases †

Compared to other mid-tier Aeroplan co-branded credit cards, CIBC’s version is the only one that offers an elevated earning rate for electric vehicle charging. † Otherwise, the earning rates are on par with the TD ® Aeroplan Visa Infinite * Card.

The CIBC Aeroplan ® Visa Infinite * Card is a solid choice to have in your wallet for day-to-day spending, especially since Visa cards are pretty widely accepted.

Redeeming Rewards

Aeroplan remains the program of choice for the vast majority of Canadians aiming to redeem their points for high-value international business and First Class redemptions.

Redeeming Aeroplan points follows the Aeroplan Flight Reward Chart , and can cost as little as 55,000 points one-way from Vancouver to Tokyo in business class.

From the East Coast, 60,000 Aeroplan points (or often fewer, thanks to Air Canada’s preferred pricing if you hold Elite Status or a credit card) would unlock a transatlantic flight to most parts of Western Europe.

Closer to home: short-haul flights within North America that are under 500 miles only cost 6,000 Aeroplan points one-way.

Perks & Benefits

As a cardholder, you’ll receive:

• Free first checked bag on Air Canada flights, for the primary and supplementary cardholders †
• Preferred pricing when redeeming Aeroplan points for Air Canada flights†
• The ability to earn 1,000 Status Qualifying Miles (SQM) and 1 Status Qualifying Segment (SQS) for every $10,000 you spend on the card †
• Your Aeroplan points won’t expire for as long as you’re a cardholder †

It’s worth noting that the extra perks you find on the CIBC Aventura ® Visa Infinite * Card , such as the Priority Pass benefits and the NEXUS fee waiver, aren’t available on this card.

Insurance Coverage

The CIBC Aeroplan ® Visa Infinite * Card includes all the insurance benefits that you’d expect from a premium travel credit card, such as:

Emergency medical insurance of up to $5,000,000 on the first 15 days of an out-of-province trip (three days for 65+) †

Flight/trip delay insurance  of $500 for delays of at least four hours, which comes in handy if you need to replace your incidentals due to a delay †

• Baggage delay insurance  of $500 per person or a combined $1,000 †

Car rental theft and damage insurance, which can replace the insurance fees that car rental agencies will try to upsell when renting a car †

$500,000 Common Carrier Accident insurance, which protects you in case of a travel-related accident †

Trip cancellation/trip interruption insurance: trip cancellation of up to $1,500 per insured person for a combined $5,000 and Trip Interruption insurance of $2,000 per person †

One thing that’s worth noting is that the CIBC Aeroplan credit cards (i.e., this card, plus the Infinite Privilege and the Visa for Business ) are among the few cards that will extend their travel insurance benefits to tickets redeemed with Aeroplan points . †

Many credit cards in the marketplace consider award travel to be ineligible for travel insurance – you have to put the full revenue ticket cost on the card in order for it to count. Meanwhile, the CIBC Aeroplan cards only require you to charge the taxes and fees of your Aeroplan booking to the credit card in order for the travel insurance to kick in. †

If you prefer to cover your bases using travel insurance, yet also frequently travel on Aeroplan points, that makes this card worthwhile to keep around. †

Historical Offers

Legal disclaimers.

†  Terms and conditions apply.

As a Visa Infinite product, this credit card has a minimum personal annual income requirement of $60,000 or a minimum household income of $100,000 to be eligible. Follow the below link to the CIBC website to learn more about this card and submit an application.

32 Comments

Love this site! Question about the minimum spend on the CIBC Aeroplan Visa Infinite: Does spending “$1000 in the first four months” mean $1000 per month for four months (total $4000 in four months)? or is it $1000 total over four months?

Had the same question, is it $1000 total spend required or $1000/month for 4 months ($4000 total)?

Thanks for providing us with resources that are easy to find in one place! With regards to CIBC Aeroplan Visa Infinite, the insurance actually includes “Hotel Burglary” (source below) – maximum of $2,500 (CAD) per occurrence for all insured persons combined.

Ricky, it sounds like this CIBC Visa’s insurance coverage is comparable to even Amex Personal Platinum insurance coverage, that is quite impressive. Lower coverage amounts in some cases (e.g. trip cancellation insurance), but it covers the same items as the Amex!

Insurance details: https://www.cibc.com/content/dam/cibc-public-assets/personal-banking/credit-cards/agreements-and-insurance/aeroplan-visa-infinite-benefits-guide-en.pdf

Love the site! Reading that “The Buddy Pass is limited to one per “credit card of the same type” regardless of the issuer, where “type” refers to …also mentioned a buddy pass issued within 12 months..

Does this mean I can get another buddy pass from another core card offer AFTER twelve months. I have had a TD infinite coming up to a year soon and used their pass and contemplating CIBC Infinite to take advantage of their offer. Thank you!

Do not apply for this card. There is no Buddy Pass for this card for a qualifying spend of $1000. The qualifying spend is $25,000.

Not sure now – I am actually getting mixed answers, depending on where I look. The message from CIBC, after application, does not provide a link to list the Buddy Pass, but on the CIBC application page, it does. On Aeroplan, it does not. Confused, but will have to wait to find out what the actual answer is for this application at this time.

Hi Ricky, thanks for this guide, as always, you provide easy to access resources. For CIBC Aeroplan Visa Infinite insurance, I noticed that “Hotel Burglary Insurance” is not mentioned in your resource page, but it is an insurance made available for cardholders, FYI. https://www.cibc.com/en/personal-banking/credit-cards/all-credit-cards/aeroplan-visa-infinite-card.html

Will I get the welcome bonus/will I be able to apply for this card even if I already have the basic CIBC Aeroplan Visa?

Hey, I have the TD Infinite and received a buddy pass. If I get the CIBC Infinite Visa will I receive a second Buddy Pass? Thanks Eddie

I had the same question – did you ever get an answer on this?

Hi, Thanks for the great info! Just wonder if it’s too late to apply for the CIBC Aeroplan Visa Infinite card and get the buddy pass converted into 30,000 points? Since the deadline to convert is now Nov 30? Thank you!

Is the $139 fee currently waived for the first year if I apply through the link on this page? When you’re re-routed to CIBC’s website, it says you can receive a $139 rebate if you have a CIBC Smart Plus Account. Just wanted to double check before I apply. Thank you!

Yes, the first year waiver is currently for all applicants. You only need a premium chequing account if you want to waive the fee in subsequent years.

Hi Ricky, I opened a CIBC Aventura Visa Infinite back in April 2020, got the welcome bonus and used those points already. I then switched the card to a no-fee card to avoid having to pay the annual fee because I didn’t plan on using the card anymore. Can I cancel the no fee card and then open a CIBC Aeroplan Visa Infinite to still get the 20,000 welcome bonus + buddy pass? I did open a TD Aeroplan Visa Infinite in May of 2020 as well and plan on keeping that card for now.

I’d say you have a fairly decent chance of getting the 20K + Buddy Pass, but there’s no real need to close your no-fee card if you don’t want to.

I have an TD Aeroplan Visa infinite that was converted from my old TD Aeroplan following the aeroplan rebranding last november. I didn’t get any signing bonus So I was wondering if I will get the 20k aeroplan and buddy pass if I sign up for the CIBC Areoplan Visa infinite? Thanks

Yes you will!

Is this card considered a new product based on a Aeroplan’s rebranding? I’ve closed this card only a couple of months ago, had it opened since late 2019. Wondering if I’d be eligible for the 20k bonus.

It’s the same product as the old CIBC Aerogold Visa Infinite. However, I’d be pretty confident of getting the bonus in your situation.

Does anyone know if the CIBC Aeroplan Visa Infinite is a metal or plastic card?

On the CIBC website it says $139 annual fee unless you have a Smart Plus account. So 1st year fee is not waived anymore as of today without the CIBC account?

All applicants will get the first year free. It’s a bit confusing as it’s displayed inconsistently on their website.

If you product switch, the annual fee is payable on the first statement unless you have a CIBC chequing account.

So I saw that the T&C of the CIBC Inifinite card says the following: – This one-time Welcome Bonus offer of a bonus Buddy Pass is only valid for eligible cardholders. You will not be eligible for the Welcome Bonus offer of a Buddy Pass if you have previously opened an Aeroplan program credit card of the same type, regardless of the credit card issuer and have received the Welcome Bonus offer in the last 12 months. – Offer applies to newly approved card accounts only.

Anyone know what’s defined as “newly approved”? I had this card 6 months ago. Would I be able to apply and get the bonus again?

Also, whats said in that first bullet point seems to suggest we can’t double up on these welcome bonuses by applying for TD/ CIBC/Amex?

Thanks guys!

Newly approved, as in not a product-switch from a different CIBC card I believe. The Buddy Pass is limited to one per “credit card of the same type” regardless of the issuer, where “type” refers to core/premium/business cards. So you can double-up on Buddy Passes if you get a core card and a premium card, but not if you get two core cards, etc.

Is there an end date for this promotion?

No published end date, but I would hazard a guess that the signup bonus is likely to change around Quarter 4 of 2020 when the new Aeroplan program is launched.

Does anyone know if they can apply for CIBC Aerogold Business and this card and double dip on welcome bonus? I figure that since this is a personal and the other is a business, you can get both reward bonus.

Yes, you can.

Hi, Love your site. How long do I have to hold the CIBC Aeroplan Infinite card to keep the 50,000 Aeroplan miles welcome bonus? Is it a good strategy to change to a no-fee CIBC card so CIBC does not take back my Aeroplan points? I also have held a TD Visa Infinite card for several years.

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The best CIBC credit cards in Canada for 2024

March 2, 2024

Explore the best variety of CIBC credit cards, tailored to meet your unique needs. Compare, choose, and apply today for a card that matches your purchasing habits.

Compare Canada’s best CIBC credit cards

• Low Interest
• Balance Transfer

Best CIBC credit card by category

Best cibc credit card, cibc aventura® visa infinite* card, best for travel.

based on spending $2,200/mo after the annual fee

1pt – 2pts / dollar earn rate

45,000 bonus points (a $450 value)

see Details

• This offer is not available for the residents of Quebec.
• Get up to 45,000 Aventura Points (up to $ 900 in travel value†):
• 15,000 Aventura Points when you make your first purchase†
• 30,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods†
• Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each; $150 value): up to $289 value.†
• Elevate your airport experience with 4 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: up to $261 in value.†
• Plus, get a NEXUS◊ Application Fee rebate†: A $50 value† Plus, enjoy extra valuable travel benefits.
• Travel when it’s right for you – your Aventura Points don’t expire†
• Redeem your Aventura Points for more than travel with our Shop With Points/Pay with Points features†
• Travel local – Aventura Points can be redeemed for more than just flights – use your points for hotels and car rentals for a weekend getaway
• 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre†
• 1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores†
• 1 point for every $1 spent on all other purchases†
• Save on gas with CIBC and Journie Rewards Link and use your CIBC Aventura Visa Infinite Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
• This is a digital-exclusive offer.†
• To be eligible for this offer, 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.† This offer is reserved for you. Please do not forward it to anyone else.
• CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months.†
• †Terms and Conditions Apply

Ratehub’s take

The CIBC Aventura Visa Infinite card really ramps up rewards for everyday purchases such as gas and groceries. It also provides extensive insurance coverage, lounge access, and a Nexus rebate, proving to be a great travel companion for travelers.

• Access to airport lounges: Enjoy four complimentary visits at over 1,200 lounges globally through the Visa Airport Companion Program
• Extensive insurance coverage: Enjoy a comprehensive insurance package from mobile device insurance to emergency travel medical insurance
• Additional rebates and perks: Receive a NEXUS application fee rebate and annual fee rebates for customers with a CIBC Smart Plus Account
• Low point earn rate: Other rewards cards offer higher points per spending category 
• Income requirement: A minimum personal income of $60,000 may may be prohibitive to some
• Annual Fee: An annual fee of $139 is high compared to others on the market
• Limited travel redemption options: You’ll have to use the CIBC Rewards Centre to book travel with your points, whereas with other cards you can experiment with other providers and platforms to get the most value

Eligibility requirements

Minimum credit score: 725

Minimum income: $60,000/yr

Interest rates

Purchase interest: 20.99%

Cash advance: 22.99%

Balance transfer: 22.99%

Best cash back CIBC credit card

Cibc dividend® visa infinite* card, best for groceries & gas.

1% – 4% earn rate

Ratehub.ca’s 2023 Award Winner – Best Cash Back Credit Card

Welcome Offer: Get a first-year annual fee rebate and earn 10% cash back welcome bonus of up to $250 (first 4 statements)!†

• After that, get 4% cash back on eligible gas, EV charging and grocery purchases.†
• 2% cash back on eligible transportation, dining purchases and recurring payments†
• 1% cash back on all other purchases†
• Get cash back on demand – redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®†
• Save on gas with CIBC and Journie Rewards
• Link and use your CIBC Dividend® Visa Infinite* Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
• This is a digital-exclusive offer.To be eligible for this offer: 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and  2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.† This offer is reserved for you. Please do not forward it to anyone else.
• CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months.†

The biggest selling point of the CIBC Dividend Visa Infinite is its impressive rewards on everyday essentials. On top of the 1% earn rate for all purchases, this card earns 4% cash back on both groceries and gas purchases – the best on the market, for two of the most common spending categories for Canadian households.

• High earn rates on specific categories: Significantly higher earn rates on groceries, EV charging, and gas than most other cards (4% cash back)
• Redeem any time: Users can redeem rewards at any time as a statement credit starting in increments of $25
• Convenient payment option for large purchases: Access to CIBC’s Pace It program, allowing you to pay off large purchases in monthly increments
• Exclusive program access: Access to the Visa Infinite Program, entitling you to attend special dining events and hotel perks at participating hotels and restaurants
• Income requirement: The annual fee ($120) and personal income requirements ($60,000) may be prohibitive
• Limited insurance coverage: Insurance coverage isn’t as comprehensive as other similar rewards cards (if insurance is a priority for you, consider the cards featured on our list of best credit cards for travel insurance )
• Annual cash back is limited: While the points earnings rate is impressive, annual rewards at 4% and 2% are capped at $80,000 total, then you’ll earn at the base rate

Best balance transfer CIBC credit card

Cibc select visa* card.

during the promo to pay off $3,900 transferred balance

A fee of $39 will be added to your balance

• Transfer your credit card balance – Get 0% interest for up to 10 months with a 1% transfer fee† and a first year annual fee rebate†
• Check full offer details below†
• Transfer your credit card balance and get 0% interest for up to 10 months with a 1% transfer fee† Transfer up to 50% of your assigned credit limit† If you choose to carry a balance and you make your minimum payments on time, a balance transfer could save you money on interest
• Take advantage of this 0% introductory interest rate on balance transfers for your first 10 months.
• You’ll only have to pay a 1% fee† when you transfer your balance from another card to the CIBC Select Visa Card
• This balance transfer offer is only available at the time of your online application.† Simply tick the checkbox to select the balance transfer option when you’re filling out your application.
• Once you take advantage of this offer, you will have a promotional rate balance on your account. As a result, you will lose your interest-free grace period on new purchases unless you pay your amount due, including any promotional rate balances, in full each month. While you will enjoy the promotional rate on the balances you transfer by using this offer, new purchases will be subject to the purchase interest rate.
• Link and use your CIBC Select Visa Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
• Purchase Interest Rate – 13.99%
• Ongoing Balance Transfer APR – 13.99%
• Cash advance Interest – 13.99%

The CIBC Select Visa tops our list for best balance transfer cards, offering a below-average interest rate of 13.99% across all transactions. With a low annual fee, a strong welcome bonus, and additional benefits like extended warranty and purchase protection, it is a strong choice for efficiently managing credit card debt.

• Low APR across the board: Below-average APR of 13.99% across the board on purchases, balance transfers, and cash advances
• Affordable annual fee and readily accessible: Low $29 annual fee (which is rebated for the first year) and has a minimum household income requirement of just $15,000 making it accessible to most Canadians
• Free secondary cards: Get up to three free secondary cards, enhancing flexibility for shared finances
• Included travel coverage: One of the few low interest cards to offer additional travel coverage in the form of up to $100,000 in common carrier accident insurance
• Additional benefits: Access additional benefits including extended warranty, purchase protection, and access to CIBC’s 24/7 customer service team
• Limited perks: As a low interest credit card, the CIBC Select Visa doesn’t offer much in the form of perks
• Online exclusive offer: The balance transfer offer is exclusively available to new cardholders applying online
• Transfer limit restrictions: You can only transfer 50% of your assigned credit limit (e.g. if you’re approved for the CIBC Select Visa with a $2,000 credit limit, you can only transfer up to $1,000 from another credit card)

Minimum credit score: 660

Minimum income: $15,000/yr

Purchase interest: 13.99%

Cash advance: 13.99%

Balance transfer: 0.00% for the first 10 months. 13.99% after promo.

Best no annual fee CIBC credit card

Cibc aventura® visa* card, best for everyday spending.

0.5pts – 1pt / dollar earn rate

10,000 bonus points (a $100 value)

Welcome Offer: Join and get up to $100 in value† for no annual fee.† Here’s how it adds up:

• 2,500 Aventura Points when you complete all five activities within 60 days of your CIBC Aventura® Visa* account approval.†
• 7,500 Aventura Points after you make your first purchase within first 4 months.†
• 1 point for every $1 spent on travel purchased through the CIBC Rewards Centre†
• 1 point for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores†
• 1 point for every $2 spent on all other purchases†
• Save on gas with CIBC and Journie Rewards Link and use your CIBC Aventura Visa Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
• This is a digital-exclusive offer.† To be eligible for this offer:   1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and  2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.† This offer is reserved for you. Please do not forward it to anyone else.

The CIBC Aventura Visa is a no-fee credit card that’s also a fantastic travel companion. Unlike other no-annual fee cards, this card still offers a punch when it comes to rewards, earning on gas, groceries, and travel through the CIBC Rewards Centre.

• Generous welcome bonus: Compared to other no-fee credit cards, this card offers a substantial welcome bonus setting it apart from other no-fee credit cards
• Fuel savings advantage: Ability to save 3 cents per litre on fuel at Journie Rewards gas stations
• No annual fee
• Limited insurance coverage: The card has limited insurance offerings which may be a drawback for those seeking comprehensive coverage
• Restrictions for Quebec residents: The welcome bonus is not available to residents of Quebec, limiting the benefits for individuals in this region
• Limited redemption options: To use your points for flights or other travel purchases, you’ll have to book through the CIBC Rewards Centre. Other rewards credit cards offer you much more in the way of flexibility

CIBC credit cards types 

As a leading bank in Canada, CIBC offers over 20 credit cards for the diverse needs of Canadians, including some of the most popular  travel rewards credit cards  in the country.

Travel Rewards

CIBC offers two types of travel rewards credit cards: Aventura Visa Cards and Aeroplan Visa Cards. The four personal CIBC Aventura Visa Cards let you collect Aventura Points on all of your purchases, which are redeemable for airfare on any airlines with no blackout periods, or a number of merchandise items available on the CIBC Aventure website. Each tier comes with greater rewards, but also a larger annual income requirement and larger annual fee. If you strictly want to earn travel rewards points, you could also look at one of the three CIBC Aeroplan Visa Cards, which let you earn Aeroplan Miles for each $1 spent on your credit card. Similar to the Aventura cards, each tier comes with greater rewards and better sign-up bonuses, but also larger annual income requirements and larger annual fees. CIBC also offers special Aventura and Aeroplan cards for both students and businesses (as well as some everyday cards for them, too).

• How the CIBC Aventura program works
• Best Aeroplan credit cards in Canada

Cash Back Rewards

On top of offering some of the most popular travel rewards credit cards, CIBC offers a variety of other credit card products with great rewards. If you’d prefer to earn cash back with each purchase you make, there are four CIBC Dividend Visa Cards to choose from - some of which offer up to 4% cash back on groceries and gas. 

Other Cards

If you tend to carry a balance, the CIBC Select Visa Card has a low interest rate of 13.99%. And finally, if you’re someone who travels south of the border often enough, you may also want to consider getting a CIBC US Dollar Visa Aventura Gold Visa Card, which will let you pay with US funds and avoid transaction fees.

CIBC Pace It ™

For those looking to use their CIBC credit card on a larger-scale purchase, the bank offers their Pace It ™ program. Using this option, cardholders can pay for items of $100 or more on an installment plan of six, 12, or 24 months. The plans all carry much lower-than-average interest rates (5.99%, 6.99%, and 7.99%, respectively) and have a one-time installment fee (1.50% of the purchase amount). All you need to do is skim through your transaction history and select one with an “eligible for installments” label, then choose a plan that works best for you. It’s a perfect way to manage your budget and make bigger expenses easier to handle.

CIBC Costco Mastercard

If you have a Costco membership (and use it frequently), CIBC’s co-branded Costco Mastercard may be worth looking into. Using this card, customers can earn cash back on in-store and online Costco purchases, plus save when gassing up at any Costco branded station. It also offers extended warranty protection, purchase security, and mobile device insurance for any tablet or smartphone purchased with the card.

More on CIBC

The Canadian Imperial Bank of Commerce (CIBC) was founded in 1867 and is one of the leading financial institutions in Canada. In 2014, Bloomberg Markets ranked CIBC as the second strongest bank in North America and 15th strongest in the world. CIBC offers retail and business banking, wealth management and wholesale banking. With headquarters in Toronto, Ontario, and over 1,100 branches around the world, CIBC has over 45,000 employees and serves 10 million clients.

Natasha Macmillan, Business Director of Everyday Banking

With over a decade of experience in the finance industry, Natasha works closely with Canada's top financial institutions - from banks to credit unions - to help Ratehub.ca's 1,200,000 monthly users get matched with the right banking products. read full bio

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The knowledge bank, a wealth of knowledge delivered right to your inbox., about ratehub.ca.

Whether you need a mortgage, credit card, savings account, or insurance coverage, we help you find and compare the best financial products for your specific needs. When it comes to mortgages, Ratehub.ca is more than just a place to research and compare the best rates. Our goal is to give Canadians the best mortgage experience from online search to close. This means offering Canadians the mortgage tools, information and articles to educate themselves, allowing them to get personalized rate quotes from multiple lenders to compare rates instantly, and providing them with the best online application and offline customer service to close their mortgage all in one place. Ratehub.ca has been named Canada's Mortgage Brokerage of the Year for four years straight (2018-2021). With over 12 years of mortgage experience, and over $11 billion in mortgages funded, we deliver you the best mortgage experience in Canada. 

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Other card types

• No foreign transaction fee

Travel programs

• Aeroplan Miles
• American Express Rewards
• Aventura Points
• Marriott Bonvoy Points
• Scotia Rewards
• WestJet Dollars
• American Express
• Canadian Tire
• National Bank
• Neo Financial
• Refresh Financial

Calculators

• Aeroplan Miles Calculator
• Air Miles Calculator
• TD Points Calculator
• MBNA Reward Points Calculator
• BMO Rewards Points Calculator

Credit Card Basics

• How Credit Cards Work
• Credit Card Interest Fees
• Credit Card Fees
• Credit Card Applications
• Credit Card Companies
• Credit Card Alternatives

Types of Rewards Credit Cards

• Travel Rewards Credit Cards
• Cash Back Rewards Credit Cards
• Gas Rewards Credit Cards
• Store Credit Cards
• Credit Card Sign-Up Bonuses
• How to Value Credit Card Rewards Points
• US Currency Credit Cards

Insurance Products

• Credit Card Rental Car Insurance
• Trip Cancellation/Interruption Insurance
• Travel Medical Insurance
• Travel Accident Insurance
• Delayed Baggage Insurance
• Lost Luggage Insurance
• Flight Delay Insurance
• Hotel/Motel Burglary Insurance
• Purchase Security Insurance
• Price Protection Insurance
• Extended Warranty Insurance

Credit Score and Fraud

• Credit-Reporting Agencies
• How to Read a Credit Report
• Credit Score
• Credit Card Debt
• Credit Card Insurance
• Credit Card Fraud