CIBC Aeroplan Visa Card
Casual Aeroplan collectors who refuse to pay an annual fee.
VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Our verdict
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.
Reward rates
Gas & EV charging | 1x |
Groceries | 1x |
Air Canada (incl. Air Canada Vacations) | 1x |
Everything else 1 point per $1.50 spent | 0.67x |
VaultNerd values these points at ~2¢ each.
Welcome bonus
Up to 10,000 Aeroplan points (CIBC values at up to $200 in travel)
Requirement: 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
- 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
- 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
Frequently asked questions
Is the CIBC Aeroplan Visa Card worth it?
It has no annual fee, and we rate it 3.6 out of 5. It's best suited to casual Aeroplan collectors who refuse to pay an annual fee. The welcome bonus is worth roughly $200, which covers the first year for many people. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the CIBC Aeroplan Visa Card earn?
It earns 1x on gas & ev charging, 1x on groceries and 1x on air canada (incl. air canada vacations). We value these points at about 2¢ each, so the top rate works out to roughly 2.0% back.
What credit score do you need for the CIBC Aeroplan Visa Card?
We'd suggest a score of around 640 or higher, which puts approval in our "moderate" band. It also lists an income requirement of $15,000 household. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed June 2026 · How we research
“CIBC Aeroplan Visa Card Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/cibc-aeroplan-visa, updated June 2026.
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