Rewards
Base earn rate1 point per $1 spent on all other purchases
ProgramAeroplan
Welcome bonusApply and earn up to $2,500 in value, which includes up to 75,000 Aeroplan points, annual fee rebates for first 2 years, free first checked bag, Maple Leaf Lounge access, and free Skip+ membership
Rewards typepoints
Fees & rates
Annual fee$120
Additional card$50
Purchase interest rate19.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Enjoy a free first checked bag for the Rewards Officer, Card Officers or Employees and up to 8 companions every time you fly with Air Canada
$140 value for 2 travellers for each round-trip flight
✈️
Earn up to 4 complimentary Maple Leaf Lounge One-Time Guest Passes per year
$236 value
⭐
Get a free Skip+ membership when you link your eligible CIBC credit card with $0 delivery fees and earn a $10 monthly voucher
$110 first year value
⭐
Get 50% off Disney+ for 6 months with automatic statement credits
$4.50 monthly statement credit
⭐
Complimentary upgrade to Avis Preferred Plus with one-car class rental upgrades, expedited service, dedicated phone line, parking stall and pick-up counter
⭐
Earn 1 World of Hyatt Bonus Point per eligible $1 spent at participating Hyatt hotels and resorts
💳
Reach Aeroplan Elite Status faster with 1,000 Status Qualifying Credits (SQC) for every $20,000 in eligible net purchases charged to the card account, up to 25,000 SQC
⭐
Visa Spend Clarity to set custom spending limits, create virtual cards and track transactions in near real time
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
trip cancellation
Included — see issuer for details.
🛡️
trip interruption
Included — see issuer for details.
🛡️
flight delay
Included — see issuer for details.
🛡️
baggage delay
Included — see issuer for details.
🛡️
rental car
Included — see issuer for details.
🛡️
purchase protection
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident