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CREDIT CARDS

CASH REBATES

CIBC Aeroplan® Visa Infinite Privilege* Card Points Calculator

Credit Score

Excellent

Welcome Bonus

Up to 50000 points ($1050 value)

Annual Income

Personal:

$150,000

Household:

$200,000

Our Rating

6.3/10

Credit Score

Excellent

Welcome Bonus

Up to 50000 points ($1050 value)

Annual Income

Personal:

$150,000

Household:

$200,000

Our Rating

6.3/10

Details at a glance

Card Type

Points

Annual Fee

$599

Interest Rates*

Purchase: 20.99%

Cash: 22.99%

Institution

CIBC

Card Network

Visa

Benefits & Insurance at a glance

Travel Insurance

Airport Lounge Access (6)

Free First Checked Bag

Priority Travel

Car Rental Insurance

Concierge Service

Hotel Burglary Insurance

Mobile Insurance

Save On Gas

Purchase Protection

Extended Warranty

Rewards Calculator Algorithm

You can either find your best cards by inputting your spending habits or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.

Total Spending on Credit Cards

Modify your spending numbers and click update to get the most accurate recommendations.

$0


Restaurant, Fast Food and Coffee Shop

$

Pharmacy

$


Shoppers Drug Mart

$

Other Pharmacies

$

Gas

$


Esso & Mobil

$

Costco Gas

$

Other Gas Stations

$

Transportation

$


Public Transportation

$

Rideshare (Uber, Lyft, Taxi, etc.)

$

Parking

$

Grocery

$


Costco

$

Whole Foods

$

Groceris from Safeway, Sobeys, Foodland, FreshCo, ThriftyFoods, Voila, IGA, Rachelle Bery, Les Marches Tradition

$

Groceries from Loblaws, NoFrills, RealCanadianSuperStore, PCExpress, Maxi, Provigo, SaveEasy, SuperValu, ValuMart, YourIndependentGrocer, Zehrs, Fortinos

$

Walmart in Store

$

Walmart Online

$

Other Grocery Purchases

$

Travel (Flights, Hotels, etc.)

$


Air Canada Airline

$

WestJet Airline

$

British Airways Airline

$

Cathay Pacific Airline

$

Marriott Bonvoy Hotels

$

Travel Booked from Expedia

$

Other Hotels

$

Other Airlines

$

Other Travel Not Specified

$

Home Improvement (Renovation, Furniture)

$


Home Fixes & Renovations

$

Home Furnishing

$

Recurring Purchases (Subscriptions, Bills)

$


AppleTV+, Apple Music, Crave, Disney+, FuboTV, Hayu, Netflix, RDS, SiriusXM Canada, Spotify, TSN

$

Utilities

$

Other Recurring Purchases (e.g. Car payment, Loan repayment, etc.)

$

Entertainment (Movies, Concerts, etc.)

$


Cineplex

$

Other Entertainment Purchases

$

Foreign Purchases (Non CAD)

$


USD Purchases

$

Foreign Non-USD Purchases

$

Retail & Online Purchases

$


Amazon

$

Digital Goods (E-books, Music, Software, Mobile Apps, Photos, etc.)

$

Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey

$

Other Online/Retail Purchases

$

Other Purchases Not Specified

$

How You Earn Rewards

  • • 2 points on Aircanada and AirCanada Vacations if they are in the first $100K transactions of the year
  • • 1.5 points on Gas, Groceries, Travel and Dining if they are in the first $100K transactions of the year
  • • 1.25 Point on everything else

Reward Insights

Based on average spending

Insurance & Benefit Details

  • • Access select Maple Leaf Lounges™ and Air Canada Cafés™ Plus, get 6 complimentary lounge visits per year per cardholder through Visa Airport Companion Program.
  • • Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore
  • • Enjoy a free first checked bag for you, authorized users and up to 8 companions every time you fly with Air Canada
  • • Baggage for you and companions will be tagged priority so it will be among the first on the carousel when you arrive at your destination. This applies to travel that originates on an Air Canada flight
  • • Get Priority Check-in, Priority Boarding and Priority Baggage Handling for you, your authorized users and up to 8 companions on the same flight
  • • Complimentary upgrade to Avis® President's Club
  • • Receive an Annual Worldwide Companion Pass from $99 to a max of $599 (plus taxes, fees, charges and surcharges) when you spend $25,000 on your card.
  • • Your authorized users can access travel benefits even when travelling without you by linking their Aeroplan number
  • • Reach Aeroplan Elite™ Status sooner by earning Status Qualifying Miles and Status Qualifying Segments with purchases made on your account
  • • Primary cardholders can often book flight rewards for even fewer points
  • • Connect to the Visa Infinite Privilege Concierge like having a personal assistant on call!
  • • Exclusive access to Visa Infinite Privilege Benefits
  • • Out of Province Medical insurance up to $5 million
  • • Trip Cancellation/Interruption/Delay Insurance up to $2500 per person with a maximum of $5000
  • • Car Rental Theft and damage insurance up to $85000
  • • Delayed Baggage Insurance $500 per person
  • • Lost Baggage Insurance $1000 per person
  • • Flight delay insurance up to $500
  • • Travel accident Insurance up to $500K
  • • Mobile Device Insurance up to $1500
  • • Purchase Protection Insurance up to 180 days
  • • Extended Warranty Insurance up to two years
  • • Hotel Burglary insurance up to $2500
  • • save up to 10¢/L (in special conditions) on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations with linked Journie Rewards card