Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Finly factors in all the reward limits and fine prints of every single credit card.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$2,000
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Card Details
Based on $2,000 spending
First Year Value
$568.45
$358.45 in years after
Annual Rewards
$358.45
Air Canada Aeroplan®
First Year Bonus
$210
Air Canada Aeroplan®
Annual Fee
$0
First Year Value
$568.45
$358.45 in years after
Interest Rates
Cash Advance: 22.99%, for Quebec 21.99%
Purchase: 20.99%
Balance Transfer: 22.99%
Annual Fee
$0
Annual Income
Personal: N/A
Household: $15,000
Credit Score
Very Good
Welcome Bonus
Get 10,000 Aeroplan points when you make your first purchase. That's enough for a one-way economy class short-haul ticket in North America (for example, Toronto to New York).
Card Type
Category: Points
Loyalty Program: Air Canada Aeroplan®
Our Rating
3.7/5
Institution
CIBC
Rewards
- 1 Aeroplan® point per $1 spent on eligible gas, electric vehicle charging, groceries and with Air Canada directly, including through Air Canada Vacations®
- 1 Aeroplan® point per $1.50 spent (0.66 point per $1) on all other purchases
CIBC Aeroplan® Visa* Card Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
Groceries, Gas and Air Canada
5,452 points
All other purchases
11,616 points
Net Annual Rewards
17,068 points
Valued at $358.45
Rewards Summary
Net Annual Rewards
17,068 points
Valued at $358.45
First Year Card Bonus
10,000 points
Valued at $210
First Year Card Value
27,068 points
Valued at $568.45
Point Redemptions
Redemptions Chart
Transfer to Airline Partners
$568.45
Travel
$223.32
Gift Cards
$200.31
Insurance & Benefits
Insurance
Coverage
Travel Accident
$100,000
Purchase Protection
90 days
Extended Warranty
Up to 1 year.svg)
Car Rental Damage & Theft
Up to $65k car MSRP
Benefits
Details
Discount
Primary cardholders can often book flight rewards for even fewer points
Extra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore
Pros & Cons
Pros
- No Annual Fee: Enjoy Aeroplan rewards with no cost to maintain the card.
- Solid Rewards on Key Categories: Earn 1 Aeroplan point per $1 on gas, groceries, EV charging, and Air Canada purchases.
- Preferred Pricing on Aeroplan Rewards: Get access to better redemption rates on Aeroplan flight rewards.
Cons
- Limited Reward Rate: Only earns 1 point per $1.50 on all other purchases, which is less competitive than some other no-fee cards.
- Best Value for Air Canada Flyers: Maximum redemption value is through Air Canada flights, which limits flexibility if you don’t frequently fly with Air Canada.