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CIBC Aeroplan Personal Credit Cards

Earn Aeroplan points for every dollar you spend with a CIBC Aeroplan Credit Card. Take advantage of great benefits with a range of credit cards designed to help you earn in more ways than ever before, and travel better than before.

Looking for a CIBC Aeroplan Business Credit Card?

CIBC Aeroplan<sup>®</sup> Visa* Card angled

CIBC Aeroplan® Visa* Card

Card Terms and Conditions

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Earn Aeroplan points easily

cash points illustration

1 pt

Earn 1 point for every eligible $1 you spend directly with Air Canada and Air Canada Vacations, and on gas and grocery purchases.1

1 pt

Earn 1 point for every $1.50 you spend on all other purchases.1

cash points illustration

Earn points twice2 when you pay with your CIBC credit card and provide your Aeroplan number at 150 Aeroplan partner brands and 170+ online retailers via the Aeroplan eStore.

Benefits you can enjoy with this card

Insurance included with this card5

  • Car Rental Collision/Loss Damage Insurance
  • Purchase Security & Extended Protection
  • Common Carrier Accident Insurance

More about this card

Annual Fee

$0

Authorized User

$0

Interest rate6

Purchases
19.99%

Cash Advances
22.99%

Eligibility requirements

  • $15,000 annual household income
  • You are a Canadian resident
  • You are the age of majority in the province or territory where you live

Terms and Conditions governing credit cards from CIBC

The CIBC Aeroplan Visa Card is issued by CIBC and the terms and conditions provided below have been provided by CIBC for informational purposes only. CIBC is solely responsible for the approval and issuance of new credit card accounts.

1 Aeroplan points will be earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments or Convenience Cheques. Earn bonus rate of 1 Aeroplan points on each $1.00 in purchases (net of and/or less returns) at merchants that are classified in the Visa network as grocery stores, service stations/automated gas dispensers or $1.00 in purchases (net of and/or less returns) made directly from Air Canada, for products and services completed online at aircanada.com, in-person at an Air Canada customer service counter at the airport or aboard an Air Canada flight and Air Canada Vacations packages. Excluded from the bonus rate are car rentals, hotel bookings, and other third party partner products and services that can be purchased through aircanada.com. Bonus Aeroplan points offer is only available on the first $40,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after which, Aeroplan points are earned at the regular rate on net card purchases. The $40,000 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. Aeroplan points will be awarded only if your CIBC Aeroplan Visa Card account is in Good Standing on each monthly statement date (otherwise Aeroplan points earned in the monthly period are cancelled). Aeroplan partners, rules and regulations are subject to change; refer to aircanada.com/Aeroplan.

2 CIBC is not responsible for any Aeroplan points earned under this “earn points twice” feature of the Aeroplan program when the Aeroplan Card is presented. Visit aircanada.com/aeroplan-termsandconditions for the full terms and conditions of the Aeroplan program. 

3 From time to time, Primary Aeroplan Credit Cardholders can get access to preferred pricing, which means they can book flight rewards for even fewer points. The number of points required to book a flight reward is determined by several factors, including, but not limited to, holding an eligible Aeroplan-branded credit card, along with other rules as determined by Aeroplan in its sole discretion.

4 When you keep your CIBC Aeroplan credit card in Good Standing, your Aeroplan account automatically stays active and your points will not expire. For more information on Aeroplan’s inactivity policy, please visit aircanada.com/aeroplan-inactivitypolicy for more details.

5 Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). You may contact RSA at 1 866 363 3338 in Canada and the U.S or collect from elsewhere at 905 403 3338 or visit cibccentre.rsagroup.ca. 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 Agreements and Insurance 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/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. Certain RSA coverages are "excess insurance" (all other sources of insurance and recovery must be exhausted before coverage is available).

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.

Trademarks:

All trademarks are the property of their respective owners.
For Air Canada and Aeroplan trademark ownership details see: https://www.cibc.com/en/legal/legal-trademarks.html
* Trademark of Visa Int., used under license. The Contactless Indicator is a trademark of EMV Co. LLC.
®The CIBC logo is a registered trademark of CIBC.

CIBC Aeroplan<sup>®</sup> Visa Infinite* Card angled

CIBC Aeroplan® Visa Infinite* Card

Card Terms and Conditions

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Earn Aeroplan points easily

cash points illustration

1.5 pts

Earn 1.5 points for every eligible $1 you spend directly with Air Canada and Air Canada Vacations, and on gas and grocery purchases.1

1 pt

Earn 1 point for every $1 you spend on all other purchases.1

cash points illustration

Earn points twice2 when you pay with your CIBC credit card and provide your Aeroplan number at 150 Aeroplan partner brands and 170+ online retailers via the Aeroplan eStore.

Benefits you can enjoy with this card

Insurance included with this card8

  • Out-of-Province Emergency Travel Medical
  • Trip Cancellation/Trip Interruption Insurance
  • Flight Delay and Baggage
  • Hotel Burglary
  • Car Rental Collision/Loss Damage Insurance
  • Common Carrier Accident Insurance
  • Purchase Security & Extended Protection
  • Mobile Device Insurance

More about this card

Annual Fee

$139

Authorized User

$50

Interest rate9

Purchases
19.99%

Cash Advances
22.99%

Eligibility requirements

  • $60,000 annual personal or $100,000 annual household income
  • You are a Canadian resident
  • You are the age of majority in the province or territory where you live

Don't meet the income requirement? Check out the CIBC Aeroplan® Visa* Card.

Terms and Conditions governing credit cards from CIBC

The CIBC Aeroplan Visa Infinite Card is issued by CIBC and the terms and conditions provided below have been provided by CIBC for informational purposes only. CIBC is solely responsible for the approval and issuance of new credit card accounts.

1 Aeroplan points will be earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments or Convenience Cheques. Earn bonus rate of 1.5 Aeroplan points on each $1.00 in purchases (net of and/or less returns) at merchants that are classified in the Visa network as grocery stores or service stations/automated gas dispensers, or on each $1.00 in purchases (net of and/or less returns) made directly from Air Canada, for products and services completed online at aircanada.com, in-person at an Air Canada customer service counter at the airport or aboard an Air Canada flight and Air Canada Vacations packages. Excluded from the bonus rate are car rentals, hotel bookings, and other third party partner products and services that can be purchased through aircanada.com. Bonus Aeroplan points offer 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 which, Aeroplan points are earned at the regular rate on net card purchases. The $80,000 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. Aeroplan points will be awarded only if your CIBC Aeroplan Visa Infinite Card account is in Good Standing on each monthly statement date (otherwise Aeroplan points earned in the monthly period are cancelled). Aeroplan partners, rules and regulations are subject to change; refer to aircanada.com/Aeroplan.

2 CIBC is not responsible for any Aeroplan points earned under this “earn points twice” feature of the Aeroplan program when the Aeroplan Card is presented. Visit aircanada.com/aeroplan-termsandconditions for the full terms and conditions of the Aeroplan program.

3 CIBC Visa Infinite primary cardholders, authorized users, and up to 8 other passengers travelling on the same reservation (up to a maximum of 9 travellers), are each entitled to a free first checked bag up to 23kg/50lb. Benefit only applies when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Benefit is not available if check-in is with another airline. If the first checked bag is already complimentary (for example, as a result of Aeroplan Elite Status or fare purchased), there is no additional checked bag benefit that will be provided. Free first checked bag benefit may not be applied retroactively and no refunds will be issued. Service charges for additional/oversized/overweight baggage may apply. For more information on baggage restrictions, please visit aircanada.com/baggage.

4 For every $10,000 in eligible net Purchases (which excludes any returns and credits, Cash Advances, Balance Transfers, Convenience Cheques, fees, interest and payments) charged to your CIBC Aeroplan Visa Infinite Card account, primary cardholders will receive 1,000 Status Qualifying Miles (“SQM”) and 1 Status Qualifying Segment (“SQS”), to be deposited in their Aeroplan account at the end of the next CIBC Aeroplan credit card account billing period. Please allow up to 3 calendar days after your CIBC Aeroplan credit card account statement date for the deposit to appear. SQM and SQS are not redeemable towards Aeroplan Rewards and only count toward Aeroplan Elite Status qualification. SQM do not count towards Million Mile Status. Authorized users are not eligible to receive SQM or SQS through this benefit; however, all eligible spend by authorized users will count towards the primary cardholder’s spend. Primary cardholders may earn unlimited bonus SQM and SQS during an Aeroplan Elite Status qualification period. All Aeroplan Elite Status Conditions apply and can be reviewed at aircanada.com/elite-termsandconditions.

5 The Aeroplan number of the person accessing the benefit must be included in the qualifying reservation, and the name on the airline reservation must be identical to the name on the Aeroplan account of the traveller. For authorized users’ ability to access available benefits, their Aeroplan number must be linked to a valid CIBC Aeroplan credit card account as verified by the bank. Linking can be done by visiting aircanada.com/linkmycard. Please allow up to 72 hours after the CIBC Aeroplan credit card account is approved, or the Aeroplan number of the authorized user is linked to the authorized user credit card, for these benefits to be activated. The Aeroplan accounts of the primary cardholder and authorized users must be in good standing at time of flight for airline benefits to apply. Airline benefits will no longer be available if your CIBC Aeroplan credit card account is not in Good Standing, or if it is closed, regardless of reason for closure. Airline benefits may no longer apply if the CIBC Aeroplan credit card product is changed to a different product. Aeroplan membership and benefits are subject to the Aeroplan Program Terms & Conditions (aircanada.com/aeroplan-termsandconditions) and any applicable Air Canada terms and conditions relating to a benefit, as determined by Air Canada in its sole discretion and as may be changed from time to time. Capitalized terms used have the meanings set out in the CIBC Cardholder Agreement.

6 From time to time, Primary Aeroplan Credit Cardholders can get access to preferred pricing, which means they can book flight rewards for even fewer points. The number of points required to book a flight reward is determined by several factors, including, but not limited to, holding an eligible Aeroplan-branded credit card, along with other rules as determined by Aeroplan in its sole discretion.

7 When you keep your CIBC Aeroplan credit card in Good Standing, your Aeroplan account automatically stays active and your points will not expire. For more information on Aeroplan’s inactivity policy, please visit aircanada.com/aeroplan-inactivitypolicy for more details.

8 Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). You may contact RSA at 1 866 363‑3338 in Canada and the U.S or collect from elsewhere at 905 403‑3338 or visit cibccentre.rsagroup.ca. 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, go to Agreements and Insurance and review the insurance certificate(s) in your card package. Some insurance coverage(s) require purchase(s), auto rentals, common carrier fares 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 15 days of a trip if the covered person is age 64 or under, or for the first 3 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).

9 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.

Trademarks:

All trademarks are the property of their respective owners.
For Air Canada and Aeroplan trademark ownership details see: https://www.cibc.com/en/legal/legal-trademarks.html
* Trademark of Visa Int., used under license. The Contactless Indicator is a trademark of EMV Co. LLC.
®The CIBC logo is a registered trademark of CIBC.

CIBC Aeroplan<sup>®</sup> Visa Infinite Privilege* Card angled

CIBC Aeroplan® Visa Infinite Privilege* Card

Card Terms and Conditions

Compare all cards

Earn Aeroplan points easily

cash points illustration

2 pts

Earn 2 points for every eligible $1 you spend directly with Air Canada and Air Canada Vacations.1

1.5 pts

Earn 1.5 points on gas, grocery and select travel and dining purchases.1

1.25 pts

Earn 1.25 points for every $1 you spend on all other purchases.1

cash points illustration

Earn points twice2 when you pay with your CIBC credit card and provide your Aeroplan number at 150 Aeroplan partner brands and 170+ online retailers via the Aeroplan eStore.

Benefits you can enjoy with this card

Insurance included with this card15

  • Out-of-Province Emergency Travel Medical
  • Trip Cancellation/Trip Interruption Insurance
  • Flight Delay and Baggage
  • Hotel Burglary
  • Car Rental Collision/Loss Damage Insurance
  • Common Carrier Accident Insurance
  • Purchase Security & Extended Protection
  • Mobile Device Insurance

More about this card

Annual Fee

$599

Authorized User

$149

Interest rate16

Purchases
19.99%

Cash Advances
22.99%

Eligibility requirements

  • $150,000 annual personal or $200,000 annual household income
  • You are a Canadian resident
  • You are the age of majority in the province or territory where you live

Don't meet the income requirement? Check out the CIBC Aeroplan® Visa Infinite* Card.

Terms and Conditions governing credit cards from CIBC

The CIBC Aeroplan Visa Infinite Privilege Card is issued by CIBC and the terms and conditions provided below have been provided by CIBC for informational purposes only. CIBC is solely responsible for the approval and issuance of new credit card accounts.

1 Aeroplan points will be earned on purchases less returns, and not on cash advances, interest, fees, balance transfers, payments or Convenience Cheques. Earn bonus rate of 1.5 Aeroplan points on each $1.00 in purchases (net of and/or less returns) at merchants that are classified in the Visa network as grocery stores, service stations/automated gas dispensers, airlines, car rental agencies, travel agencies/ tour operators, hotels, cruise lines, tour buses/bus lines, local/suburban commuter passenger transportation, ferries, local water transportation, railways, limousines/cabs and certain other transportation services or dining. Earn bonus rate of 2 Aeroplan points on each $1.00 in purchases (net of and/or less returns) made directly from Air Canada, for products and services completed online at aircanada.com, in-person at an Air Canada customer service counter at the airport or aboard an Air Canada flight and Air Canada Vacations packages. Excluded from the bonus rate are car rentals, hotel bookings, and other third party partner products and services that can be purchased through aircanada.com. Bonus rate of 2 Aeroplan points per $1 spent on Air Canada purchases made directly through an Air Canada channel will not earn bonus rate of 1.5 Aeroplan points for travel purchases. Bonus Aeroplan points offer is only available on the first $100,000 in net annual card purchases on your account (meaning all purchases by all cardholders, at any type of merchant); after which, Aeroplan points are earned at the regular rate on net purchases. 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. Aeroplan points will be awarded only if your CIBC Aeroplan Visa Infinite Privilege Card account is in Good Standing on each monthly statement date (otherwise Aeroplan points earned in the monthly period are cancelled). Aeroplan partners, rules and regulations are subject to change; refer to aircanada.com/Aeroplan.

2 CIBC is not responsible for any Aeroplan points earned under this “earn points twice” feature of the Aeroplan program when the Aeroplan Card is presented. Visit aircanada.com/aeroplan-termsandconditions for the full terms and conditions of the Aeroplan program. 

3 CIBC Aeroplan Visa Infinite Privilege Card primary cardholders and authorized users are each entitled to complimentary access to any Air Canada Maple Leaf Lounge located in Canada and the United States, including International Maple Leaf Lounges in Canada and the United States when travelling on an international itinerary. Access excludes Air Canada Signature Suites and lounges operated by third parties, such as Star Alliance member airlines. Additional guests of primary cardholders or authorized users may enter upon paying an applicable fee. Access will be granted in conjunction with a same-day, confirmed ticket on a flight marketed or operated by Air Canada, Air Canada Rouge, under the Air Canada Express brand, or any Star Alliance member airline. Anyone under the age of majority entering a Maple Leaf Lounge must be accompanied by an adult with access to the lounge. Age of majority is determined by the jurisdiction in which the Maple Leaf Lounge is located. Benefit may only be used as described, and otherwise cannot be transferred. Access is subject to space availability. See aircanada.com/lounges-termsandconditions for applicable Maple Leaf Lounges Terms and Conditions.

4 CIBC Aeroplan Visa Infinite Privilege Card primary cardholders, authorized users, and up to 8 other passengers travelling on the same reservation (up to a maximum of 9 travellers), are each entitled to a free first checked bag up to 23kg/50lb. Benefit only applies when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Benefit is not available if check-in is with another airline. If the first checked bag is already complimentary (for example, as a result of Aeroplan Elite Status or fare purchased), there is no additional checked bag benefit that will be provided. Free first checked bag benefit may not be applied retroactively and no refunds will be issued. Service charges for additional/oversized/overweight baggage may apply. For more information on baggage restrictions, please visit aircanada.com/baggage.

The Aeroplan number of the person accessing the benefit must be included in the qualifying reservation, and the name on the airline reservation must be identical to the name on the Aeroplan account of the traveller. For authorized users’ ability to access available benefits, their Aeroplan number must be linked to a valid CIBC Aeroplan credit card account as verified by the bank. Linking can be done by visiting aircanada.com/linkmycard. Please allow up to 72 hours after the CIBC Aeroplan credit card account is approved, or the Aeroplan number of the authorized user is linked to the authorized user credit card, for these benefits to be activated. The Aeroplan accounts of the primary cardholder and authorized users must be in good standing at time of flight for airline benefits to apply. Airline benefits will no longer be available if your CIBC Aeroplan credit card account is not in Good Standing, or if it is closed, regardless of reason for closure. Airline benefits may no longer apply if the CIBC Aeroplan credit card product is changed to a different product. Aeroplan membership and benefits are subject to the Aeroplan Program Terms & Conditions (aircanada.com/aeroplan-termsandconditions) and any applicable Air Canada terms and conditions relating to a benefit, as determined by Air Canada in its sole discretion and as may be changed from time to time. Capitalized terms used have the meanings set out in the CIBC Business Cardholder Agreement (Personal Liability). 

5 CIBC Aeroplan Visa Infinite Privilege Card primary cardholders, authorized users, and up to 8 other passengers travelling on the same reservation (up to a maximum of 9 travellers), are each entitled to Priority Check-in (where available), Zone 2 Priority Boarding and Priority Baggage Handling. Benefits only apply when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Benefit is not available if check-in is with another airline. To access this benefit, the primary cardholder or authorized user may be required to show their qualifying CIBC Aeroplan credit card to the Air Canada agent.

6 CIBC Aeroplan Visa Infinite Privilege Card primary cardholders will receive one (1) Annual Worldwide Companion Pass after spending at least $25,000 in eligible net Purchases (which excludes any returns and credits, Cash Advances, Balance Transfers, Convenience Cheques, fees, interest and payments) charged to the CIBC Aeroplan Visa Infinite Privilege Card account within an account year (being each consecutive 12 month period following the CIBC Aeroplan Visa Infinite Privilege Card account open date). The Companion Pass will be deposited into the Aeroplan account up to 8-10 weeks following the account year.

The Companion Pass entitles a companion to accompany the primary cardholder for a fixed base fare, when the primary cardholder books a published economy fare on a flight marketed and operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Companion Passes are valid for 12 months from the date issued. The Companion Pass is valid towards a new booking only, and not valid on existing reservations. Bookings must be made directly with Air Canada, via aircanada.com, the Air Canada Mobile App, or through the Air Canada call centre (“Air Canada Reservations”). Valid for one round-trip for a companion when travelling on the same itinerary and booked at the same time as primary cardholder. Maximum one Companion Pass may be used per booking. If one-way travel is booked, the full base fare will be charged, the Companion Pass will be deemed fully used and the return portion of travel is forfeited. Total pricing varies based on itinerary booked. Primary cardholder may use the Companion Pass only once on their choice of travel (i) within Canada and continental United States (excluding Hawaii) for $99 CAD base fare (ii) to/from Hawaii, Mexico, Central America, and the Caribbean for $299 CAD base fare, (iii) to/from South America, Europe, Middle East, and Africa for $499 CAD base fare, and (iv) to/from Asia, Australia, and New Zealand for $599 CAD base fare. Companion will be responsible to pay all applicable taxes, fees, charges and surcharges that apply above the companion’s base fare. All travel must originate or terminate in Canada or the United States. Valid for travel at any time with no blackout periods. Also valid against the purchase of fares on sale. Companion will be booked into same fare brand as primary cardholder and will receive all applicable benefits and services associated with that fare brand. The Companion Pass may not be used with premium cabin fares, or in conjunction with Aeroplan flight rewards, Flight Pass, group travel bookings, Air Canada Vacations bookings, or any other discounts or promotion codes. The Companion Pass must be redeemed at time of purchase, and if multiple Companion Passes are available for the Aeroplan number, the Companion Pass that would expire first will be used. Booking must be made before the Companion Pass expiry date; travel may occur after the Companion Pass expiry date subject to flight schedule availability at the time of booking. Companion Pass may only be used as described, cannot be transferred and has no monetary or exchange value. Changes or cancellations are allowed according to the fare rules of the fare purchased. Changes and cancellations must be made at the same time for both guests, and failure to do so may result in a forfeit of the Companion Pass. If during a change or cancellation the Companion Pass is reinstated in the primary cardholder’s account, the original expiry date will take effect and the Companion Pass may then be considered expired. In the event of a change or cancellation, travellers are required to pay all applicable fees based on the fare type purchased for each ticket, plus the difference in fare, if applicable, and all applicable taxes, fees, charges and surcharges that apply above the base fare. Companions who are members of Aeroplan or other partner frequent flyer programs are eligible to accumulate points and/or miles for the ticket issued in exchange for the Companion Pass according to conditions of the fare brand purchased. Aeroplan Elite Status benefits and upgrades are applicable if the traveller holds appropriate status and the fare purchased allows. Air Canada reserves the right to apply additional fees for bookings made via Air Canada Reservations. Unused Companion Passes will automatically be cancelled if your CIBC Aeroplan credit card account is not in Good Standing, or if it is closed, regardless of reason for closure. Unused Companion Passes may no longer be available if the CIBC Aeroplan credit card product is changed to a different product. Terms and conditions of the air transportation services on Air Canada are subject to the General Conditions of Carriage & Tariffs (aircanada.com/conditionsofcarriage) at the time of redemption.

7 For every $5,000 in eligible net Purchases (which excludes any returns and credits, Cash Advances, Balance Transfers, Convenience Cheques, fees, interest and payments) charged to your CIBC Aeroplan Visa Infinite Privilege Card account, primary cardholders will receive 1,000 Status Qualifying Miles (“SQM”) and 1 Status Qualifying Segment (“SQS”), to be deposited in their Aeroplan account at the end of the next CIBC Aeroplan credit card account billing period. Please allow up to 3 calendar days after your CIBC Aeroplan credit card account statement date for the deposit to appear. SQM and SQS are not redeemable towards Aeroplan Rewards and only count toward Aeroplan Elite Status qualification. SQM do not count towards Million Mile Status. Authorized users are not eligible to receive SQM or SQS through this benefit; however, all eligible spend by authorized users will count towards the primary cardholder’s spend. Primary cardholders may earn unlimited bonus SQM and SQS during an Aeroplan Elite Status qualification period. All Aeroplan Elite Status Conditions apply and can be reviewed at aircanada.com/elite-termsandconditions.

8 Receive one (1) statement credit up to a maximum value of $50 US when NEXUS application fee is charged to an eligible primary card, regardless of NEXUS application approval. Limit one (1) statement credit every 4 years. You must use your eligible card to pay the NEXUS application fee. In order to be eligible for the statement credit, account must be in Good Standing at the time the application fee is charged. CIBC has no control over the NEXUS program including, but not limited to, application approval process, enrollment, or fees charged. NEXUS eligibility requirements are determined by the Canada Border Service Agency (CBSA) and the U.S. Customs and Border Protection (US CBP), and can be found at NEXUS Terms and Conditions.

9 The Aeroplan number of the person accessing the benefit must be included in the qualifying reservation, and the name on the airline reservation must be identical to the name on the Aeroplan account of the traveller. For authorized users’ ability to access available benefits, their Aeroplan number must be linked to a valid CIBC Aeroplan credit card account as verified by the bank. Linking can be done by visiting aircanada.com/linkmycard. Please allow up to 72 hours after the CIBC Aeroplan credit card account is approved, or the Aeroplan number of the authorized user is linked to the authorized user credit card, for these benefits to be activated. The Aeroplan accounts of the primary cardholder and authorized users must be in good standing at time of flight for airline benefits to apply. Airline benefits will no longer be available if your CIBC Aeroplan credit card account is not in Good Standing, or if it is closed, regardless of reason for closure. Airline benefits may no longer apply if the CIBC Aeroplan credit card product is changed to a different product. Aeroplan membership and benefits are subject to the Aeroplan Program Terms & Conditions (aircanada.com/aeroplan-termsandconditions) and any applicable Air Canada terms and conditions relating to a benefit, as determined by Air Canada in its sole discretion and as may be changed from time to time. Capitalized terms used have the meanings set out in the CIBC Cardholder Agreement.

10 From time to time, Primary Aeroplan Credit Cardholders can get access to preferred pricing, which means they can book flight rewards for even fewer points. The number of points required to book a flight reward is determined by several factors, including, but not limited to, holding an eligible Aeroplan-branded credit card, along with other rules as determined by Aeroplan in its sole discretion.

11 CIBC Aeroplan Visa Infinite Privilege Card primary cardholders who also hold Aeroplan Elite Status will be able to roll over up to a maximum of 200,000 Status Qualifying Miles (“SQM”) from the prior qualification year to the next qualification year. This benefit applies when the member qualified for Aeroplan Elite Status by earning the required SQM or Status Qualifying Segments (“SQS”), as well as the required Status Qualifying Dollars (“SQD”), in the prior qualification year. If the member has been granted complimentary status, as determined by Air Canada, that is higher than the status they would have earned via their Status Qualifying balances, the roll over amount will be based on the status they would have earned otherwise (if any), and not the granted status. SQM rolled over from the previous qualifying year will apply towards status qualification for the following qualifying year. Rollover SQM will be deposited directly into the member's Aeroplan account no later than March 30 of any given year, provided the member earned at least Aeroplan 25K Status based on their Status Qualifying balances from the prior qualifying year. Rollover does not apply to SQS or SQD. Benefit is only available to primary cardholders and does not apply to authorized users. If your CIBC Aeroplan credit card account is not in Good Standing, or if it is closed, regardless of reason for closure, or if the CIBC Aeroplan credit card product is changed to a different product, any SQM rolled over as a result of this benefit will be removed from the Aeroplan account, and any status earned as a result of these rolled over SQM may also be rescinded. SQM do not count towards Million Mile Status and are not redeemable towards Aeroplan Rewards. Where a primary cardholder is eligible to roll over SQM under another Aeroplan credit card, the total cumulative roll over of all SQM towards Aeroplan Elite Status cannot exceed the maximum of 200,000 SQM. All Aeroplan Elite Status Conditions apply and can be reviewed at aircanada.com/elite-termsandconditions.

12 CIBC Aeroplan Visa Infinite Privilege Card primary cardholders who also hold Aeroplan Elite Status will be able to roll over up to a maximum of 50 eUpgrade Credits received in the prior status year to the next benefit year. eUpgrade Credits issued on a promotional basis, as well as those already rolled over from a previous benefit year, are not eligible for this benefit. Rollover eUpgrade Credits will be deposited directly into the member's Aeroplan account no later than March 30 of any given year, provided the member holds Aeroplan Elite Status at that time, and held Aeroplan Elite Status in the previous benefit year. If your CIBC Aeroplan credit card account is not in Good Standing, or if it is closed, regardless of reason for closure or if the CIBC Aeroplan credit card product is changed to a different product, any unused, rolled over eUpgrade Credits will be forfeited and removed from the member’s eUpgrade account. Benefit is only available to primary cardholders and does not apply to authorized users. Where a primary cardholder is eligible to roll over eUpgrade Credits under another Aeroplan credit card, the total cumulative roll over of all eUpgrade Credits cannot exceed the maximum of 50 eUpgrade Credits. All eUpgrade conditions apply and can be reviewed at aircanada.com/eupgrade-termsandconditions.

13 CIBC Aeroplan Visa Infinite Privilege Card primary cardholders, authorized users, and up to 8 other passengers travelling on the same reservation (up to a maximum of 9 travellers), are each entitled to Priority Airport Standby and a higher priority for upgrade requests to a premium cabin. Priority Airport Standby and upgrade clearance are available on the day of travel when travelling on a fare that allows for airport standby or upgrades, and upon satisfying the applicable condition, such as payment of fees or use of upgrade instrument(s), such as eUpgrade credits. Benefit only applies for flights operated by Air Canada, Air Canada Rouge, or under the Air Canada Express brand. Priority on standby and upgrade lists is determined by several factors, including, but not limited to, holding Aeroplan Elite Status, an eligible Aeroplan credit card, and other rules as determined by Air Canada in its sole discretion and as may be changed by Air Canada from time to time. See aircanada.com/elite-termsandconditions for applicable Aeroplan Elite Status and eUpgrade Conditions.

14 When you keep your CIBC Aeroplan credit card in Good Standing, your Aeroplan account automatically stays active and your points will not expire. For more information on Aeroplan’s inactivity policy, please visit aircanada.com/aeroplan-inactivitypolicy for more details.

15 Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). You may contact RSA at 1 866 363 3338 in Canada and the U.S or collect from elsewhere at 905 403 3338 or visit cibccentre.rsagroup.ca. 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 Agreements and Insurance 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/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/medical conditions. Certain RSA coverages are "excess insurance" (all other sources of insurance and recovery must be exhausted before coverage is available).

16 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.

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