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
$1,116.27
$66.27 in years after
Annual Rewards
$665.27
Air Canada Aeroplan®
First Year Bonus
$1,050
Air Canada Aeroplan®
Annual Fee
$599
First Year Value
$1,116.27
$66.27 in years after
Interest Rates
Cash Advance: 22.99%, for Quebec 21.99%
Purchase: 20.99%
Balance Transfer: 22.99%
Annual Fee
$599
Annual Income
Personal: $150,000
Household: $200,000
Credit Score
Very Good
Welcome Bonus
20,000 Aeroplan points when you make your first purchase, 30,000 Aeroplan points when you spend $7,000 or more during your first 4 monthly statement periods, and 10,000 Aeroplan points as an additional anniversary bonus when you have at least $15,000 in net eligible purchases posted on your account during the first 12 monthly statement periods
Card Type
Category: Points
Loyalty Program: Air Canada Aeroplan®
Our Rating
3.2/5
Institution
CIBC
Rewards
- 2 Aeroplan® points per $1 spent on Air Canada and Air Canada Vacations if they are in the first $100k transactions of the year
- 1.5 Aeroplan® points per $1 spent on gas, groceries, travel and dining if they are in the first $100k transactions of the year
- 1.25 Aeroplan® point per $1 spent on all other purchases
CIBC Aeroplan® Visa Infinite Privilege* Card Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
Air Canada
480 points
All other categories with bonus points
16,098 points
All other purchases
15,101 points
Annual Fee
- $599
Net Annual Rewards
31,679 points
Valued at $66.27 (after fees)
Rewards Summary
Net Annual Rewards
31,679 points
Valued at $66.27 (after fees)
First Year Card Bonus
50,000 points
Valued at $1,050
First Year Card Value
81,679 points
Valued at $1,116.27
Point Redemptions
Redemptions Chart
Transfer to Airline Partners
$1,116.27
Travel
$74.86
Gift Cards
$5.43
Insurance & Benefits
Insurance
Coverage
Travel Accident
$500,000
Emergency Out of province Medical
31 daysEmergency Medical Over 65
10 days
Flight Delay
$1,000Baggage Delay
$1,000
Trip Cancellation
$2,500
Trip Interruption
$5,000
Lost or Stolen Baggage
$1,000
Hotel Burglary Insurance
$2,500
Purchase Protection
180 days
Extended Warranty
Up to 2 years.svg)
Car Rental Damage & Theft
yes
Mobile Device Insurance
$1,500
Benefits
Details
Airport Lounge - Maple Leaf and AirCanada Cafes
Access select Maple Leaf Lounges™ and Air Canada Cafés™, plus get 6 complimentary lounge visits per year per cardholder through Visa Airport Companion Program.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 by earning Status Qualifying Miles and Status Qualifying Segments with purchases made on your accountStatus lift
Complimentary upgrade to Avis® President's Club
Companion Voucher
Receive an Annual Worldwide Companion Pass from $99 to a max of $599 (plus taxes, fees, charges and surcharges) when you spend $25,000 on your card
Priority Travel
Priority Check-in, Priority Boarding and Priority Baggage Handling for you, your authorized users and up to 8 companions on the same flight.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
Pros & Cons
Pros
- Earn up to 2 points per $1 on Air Canada purchases, and 1.5 points per $1 on gas, groceries, dining, and travel.
- Air Canada perks: Includes free checked bags, priority check-in, boarding, and Maple Leaf lounge access.
- Unlimited lounge access: Enjoy unlimited Maple Leaf lounge visits when flying Air Canada.
- Comprehensive insurance: Offers extensive travel and purchase protection, including trip cancellation and mobile device insurance.
Cons
- High annual fee: The card has a steep $599 annual fee.
- Strict income requirements: Requires a personal income of $150,000 or household income of $200,000 to qualify.
- Limited reward value: Best value is achieved only when redeeming for Air Canada flights, making it less versatile for non-Air Canada redemptions.