Scotiabank®  Gold American Express® Card

Scotiabank® Gold American Express® Card

Up to $950 value, including up to 50,000 bonus Scene+ points*

CIBC Aeroplan Visa Card
travelno fee

CIBC Aeroplan Visa Card

3.6

Welcome bonus

Up to 10,000 Aeroplan points

  • 1x gas & ev charging
  • 1x groceries
  • 1x air canada (incl. air canada vacations)
Annual fee
No annual fee
Interest rates

Purchases

21.99%

Cash advances

22.99%

Foreign transactions
2.5%

Rated 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 charging1x
Groceries1x
Air Canada (incl. Air Canada Vacations)1x
Everything else1 point per $1.50 spent0.67x

Welcome offer: Up to 10,000 Aeroplan points (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
Terms & conditions

Rates and offers change. Every rate, fee, welcome offer and benefit on this page was accurate when last reviewed, but CIBC can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on CIBC's own website before you apply.

Eligibility is theirs to decide. Approval, credit limits, interest rates and welcome offers depend on your credit history and CIBC's own criteria. Bonuses often exclude anyone who has held the card before, and usually require a minimum spend within a set period.

This is not advice. The reviews and ratings here are our editorial opinion, not financial, tax or legal advice, and not a recommendation for your circumstances. Speak to a qualified professional before making a financial decision.

How we make money. CreditCardGuru may earn a commission when you apply through links on this page. It never affects our ratings or what we write — see our advertiser disclosure and rating methodology.

CreditCardGuru is not affiliated with CIBC. Trademarks belong to their respective owners.

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Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.

Written by

CreditCardGuru Editorial Team

Rewards & Cards Research

Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.

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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.

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