travelno fee

CIBC® Aeroplan® Visa® Card review

Name: CIBC Aeroplan Visa Card
Brand: CIBC

3.6Rated by the CreditCardGuru Editorial Team

A serviceable no-fee gateway to Aeroplan with decent category earn rates, though heavy spenders will out-earn it quickly with the Visa Infinite version.

At a glance

Annual fee: No annual fee
Welcome bonus: ~$200
Foreign tx fee: 2.5%
Network: VISA
Rewards: points
Purchase APR: 21.99%

Rewards & earn rates

Gas & EV charging	1x
Groceries	1x
Air Canada (incl. Air Canada Vacations)	1x
Everything else1 point per $1.50 spent	0.67x

Welcome offer: Up to 10,000 Aeroplan points (CIBC values at up to $200 in travel) (2,500 points on first purchase; 2,500 points after $1,500 spend in first 4 statement periods; 5,000 anniversary points with $10,000 in net purchases in first 12 statement periods).

Pros & cons

Pros

No annual fee entry into the Aeroplan program
Includes rental car insurance, rare on a no-fee card

Cons

Weak 1-point-per-$1.50 base earn rate
No Air Canada perks like free checked bags

Perks & insurance

Key perks

Earn Aeroplan points with no annual fee
Preferred pricing on flight rewards and no Air Canada surcharges on flight rewards
Aeroplan 4th hotel night free on points redemptions
Points never expire while you hold the card
Up to 10 cents off per litre with Journie Rewards

Insurance

Purchase security and extended protection
Common carrier accident
Car rental collision and loss damage

Rates & fees

Annual fee: None
Purchase interest: 21.99%
Cash advance: 22.99%
Foreign transactions: 2.5%

Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team

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4.8·Foodies and everyday spenders who want maximum points on dining and groceries

Annual fee: $156/yr
Welcome bonus: ~$300
Top reward: 5x eats & food delivery

Best-in-class earn rate on dining and groceries
Membership Rewards transfer to Aeroplan, Marriott & more

Suggested score 720+ · Excellent credit

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CIBC®

CIBC® Aeroplan® Visa® Business Card

4.8·Maximizing rewards on travel & dining

Annual fee: $180/yr
Welcome bonus: ~$2,415
Top reward: 1.5x travel & dining

Earns 1.5x on travel & dining
Airport lounge access

Suggested score 720+ · Excellent credit

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Written by

CreditCardGuru Editorial Team

Rewards & Cards Research

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Cite this page

“CIBC® Aeroplan® Visa® Card Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/cibc-aeroplan-visa, updated June 7, 2026.