CIBC Aeroplan Visa Business Card
Small business owners who fly Air Canada and want Aeroplan points on business expenses.
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 well-rounded business travel card with a generous multi-stage bonus and surprisingly low interest rates; best suited to businesses with meaningful travel spend.
Reward rates
Air Canada (incl. Air Canada Vacations) | 2x |
Travel (airlines, hotels, car rentals, cruises, tour operators) | 1.5x |
Transportation (commuter transit, rail, ferries, taxis) | 1.5x |
Dining and services (shipping, internet, cable, phone) | 1.5x |
Everything else | 1x |
VaultNerd values these points at ~2¢ each.
Welcome bonus
Up to 75,000 Aeroplan points plus annual fee rebated for the first 2 years (CIBC values the offer at up to $2,500; first-year value shown includes $180 fee rebate)
Requirement: 10,000 points on first purchase; 25,000 points after $7,500 spend in first 3 statement periods; 40,000 points with $40,000 in net purchases in first 12 statement periods
Pros
- Strong earn rates on business travel categories
- Two-year annual fee rebate on the current offer
- Unusually low interest rates for a rewards card
Cons
- Full bonus needs $40,000 in first-year spend
- No travel medical insurance included
Perks
- Low business interest rates, with purchases as low as 12.99%
- Free first checked bag on Air Canada flights
- 2x Aeroplan points on Air Canada purchases
- Earn points twice at Aeroplan partners and the Aeroplan eStore
- Aeroplan 4th hotel night free on points redemptions
Insurance
- Trip cancellation and trip interruption
- Flight delay and baggage
- Car rental collision and loss damage
- Purchase security and extended protection
- Common carrier accident
Frequently asked questions
Is the CIBC Aeroplan Visa Business Card worth it?
It charges a $180 annual fee, and we rate it 3.9 out of 5. It's best suited to small business owners who fly Air Canada and want Aeroplan points on business expenses. The welcome bonus is worth roughly $1,680, 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 Business Card earn?
It earns 2x on air canada (incl. air canada vacations), 1.5x on travel (airlines, hotels, car rentals, cruises, tour operators) and 1.5x on transportation (commuter transit, rail, ferries, taxis). We value these points at about 2¢ each, so the top rate works out to roughly 4.0% back.
What credit score do you need for the CIBC Aeroplan Visa Business Card?
We'd suggest a score of around 680 or higher, which puts approval in our "moderate" band. It also lists an income requirement of $35,000 personal. 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 Business Card Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/cibc-aeroplan-visa-business, updated June 2026.
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