CIBC Aeroplan® Visa* Business Card
Take your travel to new heights with all the benefits of a CIBC Aeroplan® Visa* Business Card, and more ways to earn points than ever before.
Looking for a CIBC Aeroplan Personal Credit Card?
Earn Aeroplan points easily
Earn 2 points for every eligible $1 you spend directly with Air Canada and Air Canada Vacations.1
Earn 1.5 points on select business categories, travel and dining purchases.1
Earn 1 point for every $1 you spend on all other purchases.1
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
Earn Status Qualifying Miles and Status Qualifying Segments by spending on your card.5
As a primary cardholder, you can often book flight rewards for even fewer points.6
Your points will not expire so long as you are a CIBC Aeroplan credit card primary cardholder.7
Insurance included with this card8
- Trip Cancellation/Trip Interruption Insurance
- Flight Delay and Baggage
- Car Rental Collision/Loss Damage Insurance
- Purchase Security & Extended Protection
- Common Carrier Accident Insurance
Terms and Conditions governing credit cards from CIBC
The CIBC Aeroplan Visa Business 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 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, shipping, internet, cable, phone services and dining. 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 $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 annual 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 Business 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 Business Card primary cardholders are entitled to receive one (1) Air Canada Maple Leaf Lounge One-Time Guest Pass (each a “Guest Pass”) 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 the CIBC Aeroplan Visa Business Card account within an account year (being each consecutive 12 month period following the CIBC Aeroplan Visa Business Card account open date) up to a maximum of 4 Guest Passes in an account year. All earned Guest Passes will be deposited in the primary cardholder's Aeroplan account approximately 7-14 calendar days following the account year. Each Guest Pass will expire 12 months from the date of issuance. One Guest Pass may be used for single admittance by the primary cardholder or authorized users or any guest(s) accompanying any of them to access an eligible Air Canada Maple Leaf Lounge (as identified below) upon presentation of a Guest Pass, along with a same-day, confirmed ticket on a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Eligible Maple Leaf Lounges are limited to those Maple Leaf Lounges located in Canada and in the United States only and exclude International Maple Leaf Lounges located in the international departure zones of Canadian airports. Access also excludes Air Canada Signature Suites and lounges operated by third parties, such as the Star Alliance member airlines. Any guest entering a Maple Leaf Lounge using a Guest Pass must be accompanied by the eligible primary cardholder or authorized user. 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. An unused Guest Pass 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. An unused Guest Pass may no longer be available if the CIBC Aeroplan credit card product is changed to a different product. All Maple Leaf Lounges Terms and Conditions apply and can be reviewed at aircanada.com/lounges-termsandconditions.
4 CIBC Aeroplan Visa Business 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 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 Business 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.
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, 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 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. 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).
9 The current annual interest rate for purchases is set at either 12.99%, 15.99% or 18.99% and the current annual interest rate for cash advances, balance transfers and CIBC Convenience Cheques is set at either 14.5%, 17.5% or 21.5%, all based on your personal credit bureau and other information at the time your application is processed. 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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