Accumulation des récompenses
Published earning schedule: Earn 2 Aeroplan points per $1 on eligible direct Air Canada and participating Hyatt purchases, 1.5 on eligible gas, EV charging, groceries, travel and dining, and 1.25 elsewhere.
Offre actuelle : Jusqu’à 100 000 points Aeroplan Des conditions s’appliquent.
- 12 types d’assurance inclus
- Frais annuels
- 599,00 $
- Valeur de la prime la première année
- 1 000 $
- Récompenses annuelles nettes
- -270,5 $
- Valeur la première année
- 729,5 $
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 : 599,00 $
Cartes supplémentaires : 149,00 $
Taux d’intérêt
Achats : 21,99 %
Avances de fonds : 22,99 %
Prime de bienvenue
Jusqu’à 100 000 points Aeroplan
10,000 points after $1,000 in the first 2 statements; 40,000 after $5,000 in the first 4 statements; 50,000 after $25,000 in the first 12 statements.
Revenu annuel
Personnel : 150 000 $
Ménage : 200 000 $
Opérations en devises
Frais : 2,5 %
Type de carte
Visa · Voyages
Récompenses
Programme : Aéroplan
Émetteur
CIBC
- Revenu personnel exigé : 150 000 $; approbation de l’émetteur requise.
L’approbation relève de l’émetteur.
Comment vous accumulez des récompenses
- Earn 2 Aeroplan points per $1 on eligible direct Air Canada and participating Hyatt purchases, 1.5 on eligible gas, EV charging, groceries, travel and dining, and 1.25 elsewhere
Combien cette carte vaut-elle pour vous?
Valeur estimée la première année
729,50 $
net annual rewards + welcome bonus
- Récompenses annuelles nettes
- -270,50 $
- Prime de bienvenue
- 1 000,00 $
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 | 328,50 $ |
|---|---|
| Frais annuels | − $599.00 |
| Récompenses annuelles nettes | -270,50 $ |
La répartition par catégorie n’est pas encore offerte pour cette carte.
Taux d’accumulation, plafonds et options d’échange
- Prime de bienvenue
- 1 000,00 $
- Récompenses annuelles nettes
- -270,50 $
- Valeur la première année
- 729,50 $
Earning categories
- Direct Air Canada and participating Hyatt purchases2×Aeroplan points per $1
- Gas, EV charging, groceries, travel and dining1.5×Aeroplan points per $1
- Tout le reste1.25×Aeroplan points per $1
Rates checked 2026-10-02. Issuer rewards terms
Issuer category definitions, earning limits and restrictions apply.
Assurances et avantages
- Soins médicaux en voyage: included
- Annulation de voyage: included
- Interruption de voyage: included
- Retard de vol: included
- Bagages: included
- Location de voiture: included
- Accident de voyage: included
- Vol à l’hôtel ou au motel: included
- Appareils mobiles: included
- Protection des achats: included
- Garantie prolongée: not included
12 assurances1 avantage
Collision ou dommages au véhicule de locationVéhicules jusqu’à 100 000 $
Eligible vehicle MSRP up to $100,000; 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
180 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
Triples manufacturer warranty; up to 2 additional years
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 soins médicaux d’urgence en voyage31 jours, jusqu’à 5 000 000 $
Up to $5,000,000 per insured person / trip
31 days if 64 or younger; 10 days if 65 or older
Travel outside the home province; insured-person eligibility, government health-plan requirements, pre-existing-condition exclusions and assistance procedures apply. Confirm the certificate before travel.
Issuer terms (opens new tab)Not counted in this estimate
Assurance accident de transport public500 000 $
Up to $500,000 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
Assurance annulation de voyage2 500 $
$2,500/person/trip; $10,000 combined
Before departure for covered cancellation events
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.
Issuer terms (opens new tab)Not counted in this estimate
Assurance interruption ou retard de voyage5 000 $
$5,000/person/trip; $25,000 combined
Covered interruption or delay of insured trip
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.
Issuer terms (opens new tab)Not counted in this estimate
Assurance retard de vol500 $
$500/person; $1,000/occurrence combined
Flight delayed at least 4 hours
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. Eligible reasonable living expenses; certificate sublimits apply.
Issuer terms (opens new tab)Not counted in this estimate
Assurance retard de bagages500 $
$500/person; $1,000 combined
Baggage delayed at least 6 hours
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. Eligible necessary purchases only; certificate exclusions and receipts apply.
Issuer terms (opens new tab)Not counted in this estimate
Assurance bagages perdus ou volés1 000 $
$1,000/person; $2,500 combined
Covered checked or carry-on baggage loss, damage or theft
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.
Issuer terms (opens new tab)Not counted in this estimate
Assurance vol à l’hôtel ou au motel2 500 $
$2,500 per occurrence for all insured persons combined
While registered as accommodation guest
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. Covered burglary; required proof of forced entry and exclusions apply.
Issuer terms (opens new tab)Not counted in this estimate
Assurance appareils mobiles1 500 $
Up to $1,500 per occurrence / insured person
Eligible phone/smartphone/tablet loss, theft or accidental damage. Card-payment/financing and device-specific duration conditions require certificate confirmation; depreciation, deductibles, claims and exclusions apply.
Issuer terms (opens new tab)Not counted in this estimate
First checked bag and priority airport services on eligible Air Canada journeysInclus
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 1 000 $
- 12 types d’assurance inclus
- Earns Aeroplan points
Points faibles
- Frais annuels de 599 $
- Les récompenses typiques ne couvrent pas les frais annuels
- Revenu personnel de 150 000 $ requis
- Frais d’opérations en devises de 2,5 %
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 : 2 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.
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Vérifiez les conditions actuelles du produit auprès de l’émetteur avant de faire une demande.
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