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
$1,032.37
$402.37 in years after
Annual Rewards
$541.37
Air Canada Aeroplan®
First Year Bonus
$630
Air Canada Aeroplan®
Annual Fee
$139
$0
First Year Waived
First Year Value
$1,032.37
$402.37 in years after
Interest Rates
Cash Advance: 22.99%, for Quebec 21.99%
Purchase: 20.99%
Balance Transfer: 22.99%
Annual Fee
$139
Annual Income
Personal: $60,000
Household: $100,000
Credit Score
Very Good
Welcome Bonus
10,000 Aeroplan points when you make your first purchase, 20,000 Aeroplan points when you spend $5,000 or more during the first 4 monthly statements periods, 10,000 Aeroplan points as an additional anniversary bonus when you have at least $10,000 in net purchases posted on your account during the first 12 monthly statement periods
Card Type
Category: Points
Loyalty Program: Air Canada Aeroplan®
Our Rating
3.3/5
Institution
CIBC
Rewards
- 1.5 Aeroplan® points 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 spent on all other purchases
CIBC Aeroplan® Visa Infinite* Card Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
Groceries, Gas and Air Canada
8,178 points
All other purchases
17,601 points
Annual Fee
- $139
Net Annual Rewards
25,779 points
Valued at $402.37 (after fees)
Rewards Summary
Net Annual Rewards
25,779 points
Valued at $402.37 (after fees)
First Year Card Bonus
30,000 points
Valued at $630
First Year Card Value
55,779 points
Valued at $1,032.37
Point Redemptions
Redemptions Chart
Transfer to Airline Partners
$1,032.37
Travel
$321.18
Gift Cards
$273.77
Insurance & Benefits
Insurance
Coverage
Travel Accident
$500,000
Emergency Out of province Medical
15 daysEmergency Medical Over 65
3 days
Flight Delay
$500Baggage Delay
$500
Trip Cancellation
$1,500
Trip Interruption
$2,000
Lost or Stolen Baggage
$500
Hotel Burglary Insurance
$2,500
Purchase Protection
90 days
Extended Warranty
Up to 1 year.svg)
Car Rental Damage & Theft
yes
Mobile Device Insurance
$1,000
Benefits
Details
.svg)
Gas Discount
save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations
Car Rental Discount
Get up to 25% off auto rentals at participating Avis and Budget locations worldwide.
Visa Infinite Exclusive Benefits
Exclusive offers.svg)
Status lift
Reach Aeroplan Elite Status sooner: Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in eligible purchases made on your card.svg)
Free first checked bag
Enjoy a free first checked bag for you, authorized users and up to 8 companions every time you fly with Air Canada
Discount
Primary cardholders can often book flight rewards for even fewer points
Free Extra Night at Hotels
Extra night free for every 3 hotel nights redeemed with Aeroplan points
Pros & Cons
Pros
- Generous Welcome Bonus: 40,000 Aeroplan points upon meeting the initial spending requirements.
- High Reward Rates: Earn up to 1.5 points per $1 spent on gas, groceries, EV charging, and Air Canada purchases.
- Air Canada Perks: Free checked bags for you and up to 8 companions when flying Air Canada.
- Preferred Pricing on Aeroplan Flights: Get access to better Aeroplan point redemption rates for Air Canada flights.
Cons
- Income Requirements: Requires either a $60,000 personal income or a $100,000 household income to qualify.
- Limited Redemption Value: The highest value for points is found when redeeming for Air Canada flights, limiting flexibility if you prefer other types of rewards.