CIBC Aeroplan Visa Infinite Card

1.5 points a dollar on groceries and on gas and EV charging, 1 point on everything else. Air Canada and Hyatt also earn 1.5 but only booked directly, so travel is recorded at the base rate here. The $80,000 cap is a SINGLE SHARED POT and it counts every purchase on the account at any merchant, not just bonus category spending, so ordinary spending eats the same allowance. It resets the day after your December statement prints, which is neither 1 January nor your anniversary.

There is a third tier CIBC folds into the headline: 25,000 anniversary points for $12,000 of spending in the first twelve statement periods, taking the total to 50,000. The advertised "up to $1,300 in value" does not reconcile to CIBC's own components, which sum to $1,329. The $189 fee rebate figure is also odd, since $139 plus three authorized users at $50 is $289, not $189.

The checked bag covers the primary cardholder, their spouse and dependent children, an authorized user and theirs, plus companions on the same reservation to a maximum of nine travellers, on flights operated by Air Canada, Rouge or Express. Your Aeroplan number must be in the booking. Travel medical is 15 days for those 64 and under and 3 days from 65. Quebec residents pay 21.99% on cash advances and no cash advance, dishonoured payment or over-limit fees.