Accumulation des récompenses
Earn Aeroplan points on purchases, with 1 point per $1 on eligible gas, EV charging, groceries and direct Air Canada purchases.
Offre actuelle : Jusqu’à 10 000 points Aeroplan Des conditions s’appliquent.
- Frais annuels
- 0,00 $
- Valeur de la prime la première année
- 100 $
- Récompenses annuelles nettes
- 173 $
- Valeur la première année
- 273 $
Selon des dépenses typiques de 2 000 $ par mois, après les frais annuels. Voir le détail
0 of 3 selected
Détails de la carte
Frais annuels
Carte principale : 0 $
Cartes supplémentaires : 0 $
Taux d’intérêt
Achats : 21,99 %
Avances de fonds : 22,99 %
Prime de bienvenue
Jusqu’à 10 000 points Aeroplan
2,500 points on first purchase; 2,500 after $1,500 in the first 4 statements; 5,000 after $10,000 in the first 12 statements.
Revenu annuel
Ménage : 15 000 $
Opérations en devises
Frais : 2,5 %
Type de carte
Visa · Voyages
Récompenses
Programme : Aéroplan
Émetteur
CIBC
L’approbation relève de l’émetteur.
Comment vous accumulez des récompenses
- Earn Aeroplan points on purchases, with 1 point per $1 on eligible gas, EV charging, groceries and direct Air Canada purchases
Combien cette carte vaut-elle pour vous?
Valeur estimée la première année
273,00 $
net annual rewards + welcome bonus
- Récompenses annuelles nettes
- 173,00 $
- Prime de bienvenue
- 100,00 $
Récompenses d’une année typique, après les frais annuels
Une seule fois, si vous respectez l’exigence de dépenses de l’offre
Détail des récompenses annuelles
| Récompenses accumulées en un an | 173,00 $ |
|---|---|
| Frais annuels | 0,00 $ |
| Récompenses annuelles nettes | 173,00 $ |
Récompenses accumulées en un an
Frais annuelsLa répartition par catégorie n’est pas encore offerte pour cette carte.
Utiliser vos propres dépenses
Requiert vos données
Complete spending details. Complete spending details to calculate your rewards.
View illustrative rewards
Illustrative example — not your personalized estimate. Example: $2,000/month · $24,000/year · no bonus. Uniform full reward year; half of applicable categories is allocated to eligible scopes, split across sibling scopes; streaming $25, portal/digital/membership $0. These are scenario assumptions. No fee waiver is included. This example does not change your spending profile. Edit example allocations in the card's Rewards & conditions menu.
Restricted LCBO purchase CAD equivalent: 1000 Aeroplan points=CAD10, minimum/increments1000points/$10; own authenticated good-standing member and eligible LCBO purchase required, identification in store. Redemption cannot exceed purchase total rounded down to$10; earned points available only after credited, no earn/redeem same transaction. Mutable maximums apply. This estimates earned-point equivalent, does not simulate actual redemption orders, current balance, leftover points or guarantee cash payout. Flight/other redemption values vary.
- Illustrative annual rewards
- 173,00 $
- Frais annuels habituels
- 0,00 $
- Illustrative net ongoing value
- 173,00 $
Actual rewards depend on eligible purchases, caps and redemption rules. Interest is excluded. Personalize this calculation
Complete these assumptions to calculate your value:
- Confirm whether your spending mix is typical throughout one complete rewards year.
- Confirm whether this profile includes all purchases for this account, including additional cardholders.
- Enter monthly grocery. This is part of your existing spending.
- Enter monthly gas_ev. This is part of your existing spending.
- Enter monthly Direct Air Canada eligible products. This is part of your existing spending.
Scénario de voyage Aéroplan facultatif
Les points sont accumulés selon les règles d’accumulation révisées de cette carte. Une hypothèse de voyage est votre estimation de la valeur d’échange, y compris les taxes, les suppléments ou les frais de réservation que vous prévoyez. Ce n’est pas un équivalent en argent garanti par l’émetteur.
Aucune valeur de point suggérée n’est présélectionnée. Les différentes monnaies de récompense restent distinctes. Les scénarios de voyage excluent les offres de bienvenue, les certificats de compagnon et les nuits gratuites, et ne servent jamais aux classements des résultats. Les méthodes d’échange certifiées et les estimations distinctes de la première année restent inchangées. La disponibilité, le prix des primes et votre capacité à échanger peuvent changer.
$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.
Calculation assumptions for this card
Annual estimate assumptions for CIBC Aeroplan Visa
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.
Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.
Les montants particuliers de cette carte sont explicitement fixés à 0 $; les dépenses de la catégorie continuent de suivre le taux de base examiné.
Monthly spending details
Review your monthly spending. Apply changes to update your profile across WalletReturn.
Taux d’accumulation, plafonds et options d’échange
- First-year bonus
- 100,00 $
- Récompenses annuelles nettes
- 173,00 $
- Valeur la première année
- 273,00 $
Redemption methods
- Aeroplan LCBO purchases1¢ per point
Fonctionnement
Restricted LCBO purchase CAD equivalent: 1000 Aeroplan points=CAD10, minimum/increments1000points/$10; own authenticated good-standing member and eligible LCBO purchase required, identification in store. Redemption cannot exceed purchase total rounded down to$10; earned points available only after credited, no earn/redeem same transaction. Mutable maximums apply. This estimates earned-point equivalent, does not simulate actual redemption orders, current balance, leftover points or guarantee cash payout. Flight/other redemption values vary.
Official methodology (opens new tab)
| Spending category | Earning rate | Restrictions & Spending cap | Annual earning |
|---|---|---|---|
| grocery | 1 pt per $1 | Up to $40,000 a statement year$40,000.00 total account purchases / statement yearAfter cap: 0.6666666666666666 pts per $1 | Annual earned points: 3,000 pts Not included in the value |
| Gas & EV charging | 1 pt per $1 | Up to $40,000 a statement year$40,000.00 total account purchases / statement yearAfter cap: 0.6666666666666666 pts per $1 | Annual earned points: 900 pts Not included in the value |
| Direct Air Canada eligible products | 1 pt per $1 | Up to $40,000 a statement year$40,000.00 total account purchases / statement yearAfter cap: 0.6666666666666666 pts per $1 | Annual earned points: 0 pts Not included in the value |
| Other & non-bonus-eligible purchases | 0.6666666666666666 pts per $1 | Base rate on residual purchases; merchant bonus eligibility not assumed | Annual earned points: 13,400 pts Not included in the value |
Full base-rate purchase details (10 categories)
| Residual purchases | Base rate | Annual purchases | Annual earning |
|---|---|---|---|
| groceries | 0.6666666666666666 pts per $1 | 3 000,00 $ | 2,000 pts |
| dining | 0.6666666666666666 pts per $1 | 2 400,00 $ | 1,600 pts |
| gas | 0.6666666666666666 pts per $1 | 900,00 $ | 600 pts |
| transit | 0.6666666666666666 pts per $1 | 960,00 $ | 640 pts |
| travel | 0.6666666666666666 pts per $1 | 1 200,00 $ | 800 pts |
| recurring bills | 0.6666666666666666 pts per $1 | 2 400,00 $ | 1,600 pts |
| entertainment | 0.6666666666666666 pts per $1 | 1 200,00 $ | 800 pts |
| drugstore | 0.6666666666666666 pts per $1 | 480,00 $ | 320 pts |
| online shopping | 0.6666666666666666 pts per $1 | 3 600,00 $ | 2,400 pts |
| other | 0.6666666666666666 pts per $1 | 3 960,00 $ | 2,640 pts |
Potential offer — timing or valuation unresolved
Current welcome terms are reviewed separately; approval bonuses and first-year reset chronology must be independently supported. Year 1: Current welcome terms are reviewed separately; approval bonuses and first-year reset chronology must be independently supported.Assumptions, restrictions & sources
Using typical spending. Annual rewards below are before the regular annual fee and exclude welcome offers.
Purchase scopes, account thresholds or shared limits affect earning. Eligible purchase scopes, spending thresholds or shared limits require the complete rules and calculation ledger.
Only the selected certified method is calculated. Optional travel assumptions appear separately and are not guaranteed redemption rates.
Published earning schedule
- Earn Aeroplan points on purchases, with 1 point per $1 on eligible gas, EV charging, groceries and direct Air Canada purchases.
Restrictions, caps & redemption
- Cash advance APR is 21.99% for Quebec residents.
- New-cardholder and account-status conditions apply.
- Visa grocery/gas/EV5552/directAirCanada;excludeportalpartnerhotels/cars. Netpurchases exclude returns,advances,GlobalMoneyTransfers,fees/interest/transfers/payments/insurancepremiumandtax/cheques. Goodstanding eachstatement; annualtotalaccountpurchase cap includes allcardholdersandallmerchants. Optionalpartner/status/welcome/insurance excluded;variableAeroplanflightredemption no universalCADconversion.
Regular annual fee: $0.00. The value ledger deducts applicable fees separately.
Total annual estimated reward value: $173.00.
Year 1 estimate unavailable. Current welcome terms are reviewed separately; approval bonuses and first-year reset chronology must be independently supported.
Aeroplan eligible LCBO purchases: 1 cents per points. Restricted LCBO purchase CAD equivalent: 1000 Aeroplan points=CAD10, minimum/increments1000points/$10; own authenticated good-standing member and eligible LCBO purchase required, identification in store. Redemption cannot exceed purchase total rounded down to$10; earned points available only after credited, no earn/redeem same transaction. Mutable maximums apply. This estimates earned-point equivalent, does not simulate actual redemption orders, current balance, leftover points or guarantee cash payout. Flight/other redemption values vary.
Restricted LCBO purchase CAD equivalent: 1000 Aeroplan points=CAD10, minimum/increments1000points/$10; own authenticated good-standing member and eligible LCBO purchase required, identification in store. Redemption cannot exceed purchase total rounded down to$10; earned points available only after credited, no earn/redeem same transaction. Mutable maximums apply. This estimates earned-point equivalent, does not simulate actual redemption orders, current balance, leftover points or guarantee cash payout. Flight/other redemption values vary.
Issuer category definitions, earning limits and restrictions apply.
Assurances et avantages
- Soins médicaux en voyage: not included
- Annulation de voyage: not included
- Interruption de voyage: not included
- Retard de vol: not included
- Bagages: not included
- Location de voiture: included
- Accident de voyage: included
- Vol à l’hôtel ou au motel: not included
- Appareils mobiles: not included
- Protection des achats: included
- Garantie prolongée: not included
4 assurances1 avantage
Collision ou dommages au véhicule de locationVéhicules jusqu’à 85 000 $
Eligible vehicle MSRP up to $85,000; reimbursement governed by certificate
Rental up to 48 days
Eligible rental vehicle only; full rental payment and declining the rental agency collision waiver are required under the certificate. Vehicle exclusions, authorized-driver rules and claim documentation apply. MSRP is a vehicle eligibility ceiling, not a promised claim payment.
Issuer terms (opens new tab)Not counted in this estimate
Protection des achats60 000 $
Shared maximum total liability $60,000 per cardholder across all held CIBC cards
90 days from purchase
Eligible personal items must meet the certificate card-payment requirements; reimbursement follows the covered purchase price or eligible portion. Excluded goods, other-insurance priority, claim documents and account-standing rules apply. Claim limits are not cash rewards.
Issuer terms (opens new tab)Not counted in this estimate
Protection prolongée60 000 $
Shared maximum total liability $60,000 per cardholder across all held CIBC cards
Doubles manufacturer warranty; up to 1 additional year
Eligible personal items must meet the certificate card-payment requirements; reimbursement follows the covered purchase price or eligible portion. Excluded goods, other-insurance priority, claim documents and account-standing rules apply. Claim limits are not cash rewards.
Issuer terms (opens new tab)Not counted in this estimate
Assurance accident de transport public100 000 $
Up to $100,000 per insured person
Covered common-carrier passenger journey; certificate applies
Eligible Canadian-resident cardholder, spouse or dependent; insured causes, card-payment qualifications, other insurance, good standing and claims conditions apply. Payment fraction varies by coverage: confirm the certificate before booking. Summary is explanatory; certificate controls. Accidental death/dismemberment only; sickness and non-passenger travel excluded.
Issuer terms (opens new tab)Not counted in this estimate
Collision ou dommages au véhicule de location
Protection des achats
Protection prolongée
Assurance accident de transport publicPreferred Aeroplan flight-reward pricingInclus
Issuer terms (opens new tab)Not counted in this estimate
Points forts et points faibles
Points forts
- Prime de bienvenue d’une valeur d’environ 100 $
- Sans frais annuels
- Earns Aeroplan points
Points faibles
- Frais d’opérations en devises de 2,5 %
- Les catégories bonifiées ont des plafonds de dépenses
Sources et mentions légales
Points à considérer
- Confirmez auprès de l’émetteur les frais, les restrictions d’accumulation, les conditions d’adhésion et les modalités actuelles avant de faire une demande.
Dernière vérification : 10 octobre 2026.
Ce qui n’est pas inclus
Les valeurs n’incluent pas les frais d’intérêt : elles supposent que vous payez votre solde en entier chaque mois. Les assurances et les avantages sans valeur fixe en dollars sont indiqués, mais pas comptés.
WalletReturn est un site de comparaison indépendant, pas l’émetteur de la carte. Les valeurs sont des estimations.
Divulgation publicitaire : WalletReturn peut toucher une commission lorsque vous faites une demande au moyen de certains liens. Cela ne change ni nos calculs ni l’ordre des cartes. Consultez notre méthodologie publiée et divulgation publicitaire.
Vérifiez les conditions actuelles du produit auprès de l’émetteur avant de faire une demande.
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Valeur la première année avec des dépenses typiques de 2 000 $ par mois, après les frais annuels.