CIBC Aeroplan Visa Infinite Card vs. CIBC Dividend Visa Infinite

See how your selected cards differ in estimated value, costs and conditions.

Using example spending assumptions

$2,000/month CAD · Travel benefits assumed usable · Same profile for every card

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Selected cards

CIBC Aeroplan Visa Infinite Card

CIBC

Aeroplan

Annual Fee: $139.00
First Year Bonus Value: $500.00
Net Annual Rewards: $140.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $779.00

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

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Sources & terms

Last verified: September 29, 2026. Confirm current terms with the issuer.Official issuer source

CIBC Dividend Visa Infinite

CIBC

Cash Back

Annual Fee: $120.00
First Year Bonus Value: $218.00
Net Annual Rewards: $266.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value: $604.00

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

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Sources & terms

Last verified: October 10, 2026. Confirm current terms with the issuer.Official issuer source

CIBC Aeroplan Visa Infinite Card$139.00 annual fee

CIBC Dividend Visa Infinite$120.00 annual fee

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On this comparison

At a glance

At a glance for the selected cards, in selected order.
Fact	CIBC Aeroplan Visa Infinite Card	CIBC Dividend Visa Infinite
Regular annual feeValues differ	$139	$120
Foreign transaction fee	2.5%	—
Rewards programValues differ	Aeroplan	Cash Back
Purchase APRValues differ	20.99%	21.99%

Value

Based on typical spending of $2,000/month, after annual fees. Net annual rewards exclude welcome bonuses.

Value for the selected cards, in selected order.
Fact	CIBC Aeroplan Visa Infinite Card	CIBC Dividend Visa Infinite
First-year valueValues differ	$779	$604
Net annual rewardsValues differ	$140	$266
Your inputValues differ	—	Needs your input
First-year bonus valueValues differ	$500	$218
Welcome offerValues differ	Up to 50,000 Aeroplan points + first-year fee rebate	10% cash back for 4 statements (up to $200) + $50 + first-year fee rebate

Complete estimates

Shared inputs update only cards that use the same existing assumption. Card-specific qualifications remain separate.

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CIBC Dividend Visa Infinite

Annual estimate assumptions for CIBC Dividend Visa Infinite

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Net eligible merchant-classified purchases only. Gas includes EV MCC5552; transit means Canadian local commuter/taxi/rideshare, not air/car rentals/cruises. Recurring must be merchant-coded automatic. CIBC by Expedia eligible travel excludes taxes, insurance and service charges and remains outside bonus cap. Allocate each purchase once. Exclude advances, money transfers, interest, fees, balance transfers, payments and Convenience Cheques. Account open/in good standing. Uniform annual model excludes rounding/refund chronology.

Enter eligible net purchase spending only. Exclude cash advances, fees, interest and purchases that do not earn cashback. The estimate assumes an open account in good standing and does not model refund timing, mid-cycle rate changes or payout dates.

This explicitly sets this card’s allocations to $0; your category spending still earns the reviewed base rate.

Eligible groceries · CAD/monthNet eligible merchant-classified purchases only. Gas includes EV MCC5552; transit means Canadian local commuter/taxi/rideshare, not air/car rentals/cruises. Recurring must be merchant-coded automatic. CIBC by Expedia eligible travel excludes taxes, insurance and service charges and remains outside bonus cap. Allocate each purchase once. Exclude advances, money transfers, interest, fees, balance transfers, payments and Convenience Cheques. Account open/in good standing. Uniform annual model excludes rounding/refund chronology. Parent: $500/month; remaining: $500/month.Eligible gas · CAD/monthNet eligible merchant-classified purchases only. Gas includes EV MCC5552; transit means Canadian local commuter/taxi/rideshare, not air/car rentals/cruises. Recurring must be merchant-coded automatic. CIBC by Expedia eligible travel excludes taxes, insurance and service charges and remains outside bonus cap. Allocate each purchase once. Exclude advances, money transfers, interest, fees, balance transfers, payments and Convenience Cheques. Account open/in good standing. Uniform annual model excludes rounding/refund chronology. Parent: $150/month; remaining: $150/month.Eligible transit · CAD/monthNet eligible merchant-classified purchases only. Gas includes EV MCC5552; transit means Canadian local commuter/taxi/rideshare, not air/car rentals/cruises. Recurring must be merchant-coded automatic. CIBC by Expedia eligible travel excludes taxes, insurance and service charges and remains outside bonus cap. Allocate each purchase once. Exclude advances, money transfers, interest, fees, balance transfers, payments and Convenience Cheques. Account open/in good standing. Uniform annual model excludes rounding/refund chronology. Parent: $80/month; remaining: $80/month.Eligible dining · CAD/monthNet eligible merchant-classified purchases only. Gas includes EV MCC5552; transit means Canadian local commuter/taxi/rideshare, not air/car rentals/cruises. Recurring must be merchant-coded automatic. CIBC by Expedia eligible travel excludes taxes, insurance and service charges and remains outside bonus cap. Allocate each purchase once. Exclude advances, money transfers, interest, fees, balance transfers, payments and Convenience Cheques. Account open/in good standing. Uniform annual model excludes rounding/refund chronology. Parent: $200/month; remaining: $200/month.Eligible recurring bills · CAD/monthNet eligible merchant-classified purchases only. Gas includes EV MCC5552; transit means Canadian local commuter/taxi/rideshare, not air/car rentals/cruises. Recurring must be merchant-coded automatic. CIBC by Expedia eligible travel excludes taxes, insurance and service charges and remains outside bonus cap. Allocate each purchase once. Exclude advances, money transfers, interest, fees, balance transfers, payments and Convenience Cheques. Account open/in good standing. Uniform annual model excludes rounding/refund chronology. Parent: $200/month; remaining: $200/month.Eligible CIBC by Expedia fare (exclude taxes/fees) · CAD/monthNet eligible merchant-classified purchases only. Gas includes EV MCC5552; transit means Canadian local commuter/taxi/rideshare, not air/car rentals/cruises. Recurring must be merchant-coded automatic. CIBC by Expedia eligible travel excludes taxes, insurance and service charges and remains outside bonus cap. Allocate each purchase once. Exclude advances, money transfers, interest, fees, balance transfers, payments and Convenience Cheques. Account open/in good standing. Uniform annual model excludes rounding/refund chronology. Parent: $100/month; remaining: $100/month.My spending mix is assumed even throughout the full reward cycleThis profile represents all purchases for this candidate account, including relevant additional cardholders

Needs your input. Unknown answers remain unknown; update the relevant fields above.

Rewards

Rewards for the selected cards, in selected order.
Fact	CIBC Aeroplan Visa Infinite Card	CIBC Dividend Visa Infinite
How you earnValues differ	1.5 Aeroplan_points / $1 on Eligible gas, EV charging, groceries and direct Air Canada purchases 1 Aeroplan_points / $1 on Other eligible purchases 1.5 Aeroplan_points / $1 on Participating Hyatt purchases 1 World_of_Hyatt_points / $1 on Participating Hyatt purchases — separate program currency	4% cash back on eligible gas, EV charging and groceries 2% on eligible dining, transportation, recurring payments and CIBC by Expedia travel 1% on other purchases
Groceries	1.5 points per dollar	—
Gas / EV Charging	1.5 points per dollar	—
Travel	1.5 points per dollar	—
Other Purchases	1 points per dollar	—
Base / other eligible purchasesValues differ	1 points per dollar	1% cash back
Reward conditions	—	View reward conditions 4% cash back on eligible gas, EV charging and groceries; 2% on eligible dining, transportation, recurring payments and CIBC by Expedia travel; 1% on other purchases. Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning. Bonus earning ends at $50,000 total annual account purchases or $20,000 combined bonus-category purchases, whichever comes first; then 1%. Cash advance APR shown is outside Quebec; Quebec rate is 21.99%. Net eligible merchant-classified purchases only. Gas includes EV MCC5552; transit means Canadian local commuter/taxi/rideshare, not air/car rentals/cruises. Recurring must be merchant-coded automatic. CIBC by Expedia eligible travel excludes taxes, insurance and service charges and remains outside bonus cap. Allocate each purchase once. Exclude advances, money transfers, interest, fees, balance transfers, payments and Convenience Cheques. Account open/in good standing. Uniform annual model excludes rounding/refund chronology. Primary cardholder may redeem at least$10 to account credit (within5days); less than$10 by telephone December1–March31. Account must be open/in good standing for earning and redemption. Ongoing estimates exclude acquisition offers, partner promotions, insurance, supplementary fees and interest. Net eligible merchant-classified purchases only. Gas includes EV MCC5552; transit means Canadian local commuter/taxi/rideshare, not air/car rentals/cruises. Recurring must be merchant-coded automatic. CIBC by Expedia eligible travel excludes taxes, insurance and service charges and remains outside bonus cap. Allocate each purchase once. Exclude advances, money transfers, interest, fees, balance transfers, payments and Convenience Cheques. Account open/in good standing. Uniform annual model excludes rounding/refund chronology. Net eligible merchant-classified purchases only. Gas includes EV MCC5552; transit means Canadian local commuter/taxi/rideshare, not air/car rentals/cruises. Recurring must be merchant-coded automatic. CIBC by Expedia eligible travel excludes taxes, insurance and service charges and remains outside bonus cap. Allocate each purchase once. Exclude advances, money transfers, interest, fees, balance transfers, payments and Convenience Cheques. Account open/in good standing. Uniform annual model excludes rounding/refund chronology. Primary cardholder may redeem at least$10 to account credit (within5days); less than$10 by telephone December1–March31. Account must be open/in good standing for earning and redemption. Complete card reward details

Fees

Fees for the selected cards, in selected order.
Fact	CIBC Aeroplan Visa Infinite Card	CIBC Dividend Visa Infinite
Regular annual feeValues differ	$139	$120
Supplementary-card fee	$50	$50
Foreign transaction fee	2.5%	—
Purchase APRValues differ	20.99%	21.99%
Cash advance APR	22.99%	22.99%

Eligibility

Approval is up to the issuer.

Eligibility for the selected cards, in selected order.
Fact	CIBC Aeroplan Visa Infinite Card	CIBC Dividend Visa Infinite
Personal annual income	$60,000	$60,000
Household annual income	$100,000	$100,000

Insurance & benefits

Insurance & benefits for the selected cards, in selected order.
Fact	CIBC Aeroplan Visa Infinite Card	CIBC Dividend Visa Infinite
InsuranceValues differ	Rental car collision / loss damageVehicles up to $85,000 Purchase security$60,000 Extended protection$60,000 Emergency travel medical insurance15 days, up to $5,000,000 Common carrier accident insurance$500,000 Trip cancellation insurance$1,500 Trip interruption / delay insurance$2,000 Flight delay insurance$500 Baggage delay insurance$500 Lost / stolen baggage insurance$500 Hotel burglary insurance$2,500 Mobile device insurance$1,000 Travel Medical & Trip InsuranceIncluded Travel and purchase insuranceIncluded	Purchase security$60,000 Extended protection$60,000 Rental car collision / loss damage$85,000 Common carrier accident insurance$500,000 Emergency travel medical insurance10 days, up to $5,000,000 Mobile device insurance$1,000
Other benefitsValues differ	Air Canada first checked bagIncluded Preferred Aeroplan pricingIncluded Aeroplan Status Qualifying CreditsIncluded	Visa Infinite conciergeIncluded

Sources

Sources for the selected cards, in selected order.
Fact	CIBC Aeroplan Visa Infinite Card	CIBC Dividend Visa Infinite
Last verifiedValues differ	Last verified: September 29, 2026	Last verified: October 10, 2026
Official sources	Official issuer product page (opens new tab)	Official issuer product page (opens new tab)

Approval likelihood, interest expense and actual redemption transactions are not modeled. Verify current issuer terms before applying. WalletReturn methodology

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Figures are estimates in CAD and rounded for display; rounded contributions may not sum exactly to totals. Ongoing value excludes welcome bonuses, one-time benefits and rebates. Interest expense is not deducted. Benefits depend on your profile and issuer terms.