CIBC Aerogold® Visa Infinite Privilege review
Earn up to 50,000 Aeroplan Miles Welcome Bonus
Earn an additional 25,000 Aeroplan Miles when you spend $3,000 during your first 4 monthly statement periods
1 You are eligible for the additional spend based bonus of 25,000 Aeroplan® miles if you are not a current CIBC cardholder. If you are a current CIBC cardholder, we may approve your application but you will not be eligible for the additional spend based bonus of 25,000 Aeroplan® miles.
You must apply and be approved for a new eligible card between March 1, 2019 and June 30, 2019 to qualify for this offer.
If you apply and are approved for a new card, you can receive:
i. A Welcome Bonus of 25,000 Aeroplan® Miles after you make your first purchase at any time with your card. It may take up to several business days for purchases to be posted to your account. Aeroplan® Miles are awarded to you within 8 weeks after all qualifying purchase(s) are posted to your account. Card account must be open and in good standing at the time Aeroplan® Miles are awarded.
ii. An additional 25,000 Aeroplan® Miles if you have at least $3,000 in net purchases during the first 4 monthly statement periods. For this Bonus the following do not qualify as purchases: cash advances, balance transfers, CIBC Convenience Cheques, fees, interest, payments and Aeroplan Miles redemptions.
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to CIBC Aerogold® Visa Infinite Privilege* Card are excluded. This offer is non-transferable. This offer may be withdrawn or changed without prior notice at any time. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion.
2 Available for flights operated by Air Canada, Air Canada Rouge™ or under the Air Canada Express® banner, when you use an Aeroplan Flight Reward or when you provide your Aeroplan number when purchasing a ticket.
3 Your CIBC Aerogold Visa Infinite Privilege Card account must be in good standing for you to receive or use cardholder benefits including Air Canada benefits and Visa Infinite Privilege benefits.
4 All Air Canada benefits are fulfilled in whole or in part by Air Canada, or its designated affiliates or other third parties, and are subject to change at any time without notice. CIBC and its affiliates are not responsible for fulfilling these benefits. Please allow two weeks from receiving your CIBC Aerogold Visa Infinite Privilege Card for all Air Canada benefits to be activated. Aeroplan Flight Rewards are Fixed Mileage Flight Rewards or Market Fare Flight Rewards redeemed using Aeroplan Miles from your Aeroplan Account for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express banner. Flights operated by other airlines are not eligible. To access Air Canada benefits, you may be required to show your CIBC Aerogold Visa Infinite Privilege Card to the Air Canada agent. Additional conditions apply and are outlined below.
5 To access Air Canada Priority Travel Services (the complimentary first checked bag, priority check-in and priority boarding benefit), you (the primary cardholder) must travel on a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express banner. You must include your Aeroplan number on your reservation at the time of booking or redeem your Aeroplan Flight Reward using miles from your Aeroplan Account. You must also ensure that your name on the Air Canada flight booking is identical to the name on your Aeroplan account. Priority check-in may also be extended to companions travelling on the same reservation checking in at the same time as you. Where boarding by zone is available, the priority boarding status will be recognized by a Zone 2 descriptor for you and companions travelling on the same reservation checking in at the same time as you, which will be displayed on the Air Canada-issued boarding pass(es). The complimentary first checked bag, up to 23kg (50 lb) applies solely to you and not to companions travelling with you and service charges for additional, oversized or overweight baggage may apply. Applicable on flights that do not already offer a complimentary first checked bag.
6 Interest rates will change from time to time on at least 30 days prior notice to the primary cardholder. "Purchase" means card purchases less returns and does not include: cash advances, interest, fees, balance transfers, payments and CIBC Convenience Cheques. "Cash" means cash advances, balance transfers and CIBC Convenience Cheques.
8 Earn 1.5 Aeroplan Miles on each $1.00 in purchases (net of or less returns) at merchants that are classified in the Visa network as grocery stores, service stations, automated gas dispensers or drugstores. This Bonus Rate is also earned on each $1.00 in purchases from Air Canada charged to your account for products and services completed online at aeroplan.comOpens a new tab in your browser, aircanada.comOpens a new tab in your browser, in-person at an Air Canada customer service counter at the airport or aboard an Air Canada flight. Excluded from the Bonus Rate are Air Canada Vacations packages, car rentals, hotel bookings, and other third party partner products and services that can be purchased through aircanada.com. This Bonus Aeroplan Miles offer is only available on the first $100,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); the $100,000 limit will reset to zero on the day after your December statement is printed. Terms, conditions and eligible merchant categories may change at any time without notice.
9 Aeroplan Miles are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments or CIBC Convenience Cheques. Taxes, landing and departure fees and other charges may apply to Aeroplan reward travel. Aeroplan Partners, rules and regulations are subject to change without notice. Aeroplan Miles will be awarded only if your CIBC Aerogold Visa Infinite Privilege Account is in good standing on each monthly statement date (otherwise, Aeroplan Miles earned in the monthly statement period are cancelled); also, if your credit card account is not in good standing, Aeroplan Miles may not be awarded.
10 At time of purchase, when you use your CIBC Aerogold Visa Infinite Privilege Card and present your Aeroplan Card. Visit aeroplan.comOpens a new tab in your browser for more details.
11 You (the primary cardholder) will receive four Air Canada Maple Leaf Lounge One-Time Guest Access Benefits every calendar year (January 1 to December 31). You may access an Air Canada Maple Leaf Lounge, where available, upon presentation of your active CIBC Aerogold Visa Infinite Privilege Card with a valid, same-day boarding pass for travel using an Aeroplan Flight Reward only, on a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express banner. To access this benefit, you must redeem your Aeroplan Flight Reward with miles from your Aeroplan Account. Each Air Canada Maple Leaf Lounge One-Time Guest Access Benefit applies for a single entry during the calendar year for which it was provided and cannot be carried forward to the next calendar year. As of November 2, 2015, Air Canada Maple Leaf Lounge One-Time Guest Access Benefits associated with the CIBC Aerogold Visa Infinite Privilege Card may be used by a travelling companion, pending space availability, provided the companion is booked on the same reservation as you. Only applicable if the companion ticket is also redeemed using miles from your Aeroplan Account. Companion must be accompanied by you and you must also be using a One-Time Guest Access Benefit to access the same Air Canada Maple Leaf Lounge. The One-Time Guest Access Benefit may be extended to more than one companion at any given time, provided that the conditions above are met and that this does not exceed the maximum annual allotment of One-Time Guest Access Benefits. Additional conditions may apply and are outlined on aircanada.com/cibcbenefitsOpens a new tab in your browser. Air Canada Maple Leaf Lounge Access is subject to availability and all other current terms and conditions that can be changed at Air Canada’s sole discretion. Visit Air Canada Maple Leaf Lounge admittance terms and conditionsOpens a new tab in your browser for details.
13 Changes to unused Flight Rewards (e.g. flight date(s), flight time(s), class of service, routing and/or itinerary) may be made up to a minimum of two hours prior to departure. Standard fees may apply, see AeroplanOpens a new tab in your browser Fees for details. Unused Flight Reward tickets can be cancelled up to a minimum of two hours prior to scheduled departure and will remain valid for one year from the date of ticket issue if unused, or from the date of first outbound departure if partially used. At time of rebooking, standard fees may apply, see Aeroplan Fees for details.
14 The 50% discount on companion ticket only applies on the published fare, and will not apply to any additional taxes, fees, charges or surcharges. This offer applies upon the purchase from Air Canada of two eligible Business Class (Flexible) fares for you (the primary cardholder) and a companion (booking classes J, C and D only) on tickets entirely operated by Air Canada, or under the Air Canada Express banner. Flights operated by other airlines, including Air Canada-marketed codeshare flights are not eligible. This offer is available to you once every calendar year (January 1 to December 31). All travel must be completed by December 31 of the following year. You can only access the 50% discount each year when booking online at aircanada.com using that year’s promotional code. Offer also applies to select Premium Rouge bookings, where booking classes J, C or D are available, on flights operated by Air Canada Rouge to select destinations in Canada, the United States, or the Caribbean. Offer is non-transferable, and the companion Business Class ticket must be booked on the same reservation as your eligible Business Class (Flexible) booking. Please note that promotional codes apply to undiscounted published fares. Other previously discounted fares, while not eligible for the discount, may be lower than the final price of the undiscounted fare to which the discount applies. Should you require assistance completing your 50% discount during your online booking, please contact Air Canada at 1-888-247-2262.
15 Visa Airport Parking and Valet. Participating airport's terms and conditions apply. Montreal: Valet parking discount of 10% (before taxes) will be applied when parking is paid for with a valid Visa Infinite Privilege card. Vancouver: Valet parking discount of 20% (before taxes) will be applied when parking is paid for with a valid Visa Infinite Privilege card. 12 dedicated airport parking spots (P1 level of Parkade close to the terminal) are available on a first-come, first-serve basis to eligible cardholders. Regular parking rates apply.
16 Airport Benefits and Services. Visa Infinite Privilege Airport benefits and services are subject to availability and participating airports' terms and conditions. Montreal: Dedicated VIP security fast lane is available at international, domestic and trans-border checkpoints. Vancouver: Dedicated VIP security fast lane is available at international, domestic and trans-border checkpoints.
17 Visa Infinite Privilege Concierge. The goods and services cardholders request or otherwise choose to obtain through the Visa Infinite Privilege Concierge Service are provided by various third party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about, and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Privilege Concierge. Visa cannot guarantee the successful fulfillment of cardholders' requests in all instances. There is no fee for the Concierge's services; however, cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the cardholder and purchased by the Visa Infinite Privilege Concierge on the cardholder's behalf.
18 The goods and services you request or obtain through the Visa Infinite Privilege Concierge are provided by various third-party service providers unrelated to Visa or CIBC. Neither Visa nor CIBC endorses, reviews, qualifies, makes any representations or warranties (either express or implied) about, or assumes responsibility or liability for these service providers or the goods and services obtained. Neither Visa nor CIBC can guarantee the successful fulfillment of your requests in all instances. There is no fee for the Visa Infinite Privilege Concierge’s services; however, you are responsible for the cost of any goods or services (including any related fees or costs) authorized by you and purchased by the Visa Infinite Privilege Concierge on your behalf. All costs will be charged directly to your CIBC Aerogold Visa Infinite Privilege Card.
19 Visa Infinite Dining Series: Offer is based on availability. Advanced access is only available to Visa Infinite Privilege cardholders. The appearance by all chefs, sommeliers and bartenders is subject to change without notice.
20 Visa Infinite Luxury Hotel Collection. For full program terms and conditions and to view the portfolio, visit Visa Luxury Hotel CollectionOpens a new tab in your browser. Guests must use their Visa Infinite Privilege card to reserve and pay for their stay at a Luxury Hotel Collection property through the Visa exclusive web portal to enjoy the automatic benefits.
21 Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). Different cards will have different coverage(s). To learn about which coverage(s) are included with a specific card, and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, see our Agreements and Insurance page and the insurance certificate(s) in your card package. Some insurance coverage(s) require purchase(s), auto rentals, common carrier fares, hotel, motel and other trip costs to be charged to the card to activate coverage. Other conditions may also apply. Auto Rental Collision and Loss Damage Insurance (CLDI) is available for automobile rentals of up to 48 days. The full cost of the rental must be charged to the card and the rental agency's Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) must be declined. CLDI provides coverage up to the actual cash value (ACV) of the rental vehicle as defined in your insurance certificate. Note that some rental agencies may assess their damages at an amount greater than the ACV of the rental vehicle and you may be liable to them for the difference. Before declining the rental agency's CDW or LDW, you should read carefully and compare the terms of the rental agreement, the CLDI insurance certificate in your card package and any other insurance you own to decide which coverage best meets your protection needs. Out-of-Province Emergency Travel Medical Insurance (TMI) covers the primary cardholder, their spouse and dependent children for the first 31 days of a trip if the covered person is age 64 or under, or for the first 10 days of a trip if the covered person is age 65 or older. Dependent children must be age 20 or under or a full-time student age 24 or under, unless they have a permanent physical or mental deficiency. TMI may not cover medical procedures performed without pre-approval. TMI, Trip Cancellation and Trip Interruption Insurance may not cover certain pre-existing health or medical conditions. Certain RSA coverages are “excess insurance” (all other sources of insurance and recovery must be exhausted before coverage is available). For more information, call RSA toll-free at 1-866-363-3338 in Canada, continental U.S. and Hawaii or collect from elsewhere at 905-403-3338.
22 CIBC Payment Protector Insurance for Credit Cards is optional creditor’s group insurance underwritten by Canadian Premier Life Insurance Company under a group policy issued to CIBC as group policyholder.
23 We may withdraw approval if we become aware of any unfavourable information regarding your financial position or account status, or if you are unable to provide any additional information reasonably requested by CIBC. The application response time may take longer than 60 seconds in the event of technology issues. If you supply your email address, an application status email will be sent as soon as the technology issues are resolved. Otherwise, you will receive a response to your credit card application within 7 to 10 business days.
24 The rewards calculator tool is only for general illustration purposes; your actual results may differ. Aeroplan Miles, Aventura Points, cash back and Tim Cash are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments, regular CIBC Convenience Cheques, Aeroplan Mile and Aventura Point redemptions (as applicable). For the Aerogold Visa Infinite Card, the Aventura Visa Infinite Card and the Aerogold Visa Card, 50% more Aeroplan Miles or Aventura Points on gas, grocery and drugstore card purchases is only available on the first $80,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after that net card purchases at grocery, drugstore and gas merchants will earn Aeroplan Miles or Aventura Points at the regular rate. For the Aerogold Visa Infinite Privilege Card, 50% more Aeroplan Miles on gas, grocery and drugstore card purchases is only available on the first $100,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after that net card purchases at grocery, drugstore and gas merchants will earn Aeroplan Miles or Aventura Points at the regular rate. For CIBC cash back credit cards, cash back is earned on a tiered basis and is dependent upon the net annual dollar amount spent on the card over the year to date. For details about earning and redeeming rewards, the Welcome Bonus and other card benefits, including terms and conditions, review the benefit guides found here.
This chart is for illustrative purposes only. Welcome Bonus applies only in the first year.
Note: As per Aeroplan's current reward chart, 15,000 Aeroplan Miles are enough for a short-haul roundtrip Fixed Mileage Flight Rewards® seat in Economy Class within Canada, or to the continental U.S. (plus applicable fees and taxes). 25,000 Aeroplan Miles are enough for a long-haul roundtrip Fixed Mileage Flight Rewards® seat in Economy Class within Canada, or to the continental U.S. (plus applicable fees and taxes). Reward seat availability is capacity controlled and is subject to seasonality of demand. See aeroplan.comOpens a new tab in your browser for more details.
In case of a discrepancy between the mileage redemption amount shown above and displayed on aeroplan.comOpens a new tab in your browser, the aeroplan.com mileage level displayed shall apply. Flight rewards are defined as Fixed Mileage Flight Rewards operated by Air Canada. All rewards shown above are subject to change and availability on aeroplan.com.
All information is valid at the time of publication and is subject to change without notice
Best insurance coverage
Out-of-province emergency medical, trip cancellation and other safeguards
Air Canada benefits
Priority check-in and boarding and complimentary first checked bag ?on Air Canada-operated flights
Unwind before your flight
Get 4 annual One-time Guest Access Benefit passes to an Air Canada Maple Leaf Lounge
A trio of colourful lounge access passes
Relax overseas with Priority Pass
Access 850+ airport lounges with 6 annual complimentary lounge visits
The CIBC Aerogold® Visa Infinite Privilege* Card is one of those cards that only a few select people can gain access to. To apply for it, you'll need a good credit score and a minimum household annual income of $200k. The interest rate is similar to other cards, but the annual fee is slightly high at $399.
This card offers you a very good return of between 1.25 and 1.5 Aeroplan miles for every dollar you spend. You can double your reward rate when you use the card to make purchases at over 100 retailers and 150+ partners. As a welcome bonus, get ready to be blown away by getting a double 50,000 miles by simply spending $3,000 during your first 4 months.
The CIBC Aerogold® Visa Infinite Privilege* Card lets you unwind before each flight, giving you 4 annual guest access passes to the select Leaf Lounge of Air Canada, priority pass to over 850 lounges worldwide, 6 complimentary lounge visits. To top it all, you get car rental insurance, up to $500k carrier insurance, infinite perks for VISA, top security features, and a wide range of optional insurance features.