10,000 Aeroplan points
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$126
First-year value
10,000
Aeroplan points
$0
Annual fee
Based on minimum spend to earn the full welcome bonus and Prince of Travel's valuation of Aeroplan points at 2.1 cents per point.
Last updated: February 13, 2026
The CIBC Aeroplan® Visa* Card is CIBC's base-level Aeroplan card, with a lower welcome bonus than higher-tiered cards and no annual fee.
It's a great option for students or newcomers to Canada to boost their credit file while earning a valuable points currency.
The information for the CIBC Aeroplan® Visa* Card has been collected independently by Prince of Travel. The card details on this page have not been reviewed or provided by the card issuer.
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| Tier | Amount | Requirement |
|---|---|---|
| On first purchase | 2,500 | First purchase |
| Spend threshold | 2,500 | $1,500 spend in 4 months |
| Anniversary bonus | 5,000 | $10,000 spend in 12 months |
| Total | 10,000 Aeroplan points |
Annual Fee
Free
Additional Card
Free
The staggered structure pulls you in gently, then rewards sustained usage – ideal for those wanting Aeroplan exposure without annual fee pressure while keeping premium card slots open for higher-tier products.
| Category | Rate |
|---|---|
| Gas | 1× |
| Groceries | 1× |
| EV Charging | 1× |
| Air Canada | 1× |
| Everything Else | 0.67× |
Use this only as a zero-fee placeholder to keep your Aeroplan account active – the earning rates are too weak to justify daily use, even in bonused categories where premium cards offer two to three times the return.
Aeroplan's true strength lies in business class redemptions to Europe, Asia, and beyond – rates that make premium-cabin travel accessible on a modest points balance.
Read Our Full Aeroplan Guide
Read more4th night free on Aeroplan hotel redemptions
GeneralPrimary rental car coverage up to $85,000 MSRP and preferred Aeroplan pricing on Air Canada flights deliver outsized travel value at no annual cost – perks that typically require premium cards, yet here they quietly compound savings with every redemption and rental.
Underwritten by Belair Insurance Company Inc.
| Coverage | Maximum | Details |
|---|---|---|
| Emergency Medical | Not included | — |
| Trip Cancellation | Not included | — |
| Trip Interruption | Not included | — |
| Trip Delay | Not included | — |
| Baggage Delay | Not included | — |
| Baggage Loss | Not included | — |
| Rental Car | Included | Primary CDW · MSRP ≤ $85,000 · up to 48 days |
| Travel Accident | $100,000 | — |
| Purchase Protection | $60,000/year | 90-day coverage |
| Extended Warranty | +1 year | — |
View Certificate of Insurance (PDF)
Primary rental car coverage is rare at this price point and genuinely useful for domestic trips, though the lack of emergency medical or trip interruption means you'll still need standalone insurance for any international travel.
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10,000 Aeroplan points
Apply NowLast updated: February 13, 2026
