CIBC Aeroplan Visa Infinite Privilege Card

1.5 Aeroplan points per $1 on eligible gas, electric vehicle charging, grocery, travel and dining. 2 points per $1 spent with Air Canada directly, including Air Canada Vacations. 2 points per eligible $1 at Hyatt hotels and resorts. 1.25 points per $1 on all other purchases. Cap: the bonus Aeroplan points offer is available only on the first $100,000 in net annual card purchases on the account, after which points are earned at the regular rate on net purchases. This is a single account-wide shared counter covering total card purchases at any merchant, not a per-category limit. The $100,000 limit resets to zero on the day after your December statement is printed. Additional multipliers outside the card earn structure: double points at 150+ Aeroplan partners and 170+ online retailers via the Aeroplan eStore.

Advertised as up to $3,200 in value including up to 100,000 Aeroplan points. Tier 1: 10,000 points for $1,000+ in the first 2 statement periods. Tier 2: 40,000 points for $5,000+ in the first 4 statement periods. THIRD TIER not captured in the tier fields: 50,000 anniversary bonus points requiring $25,000+ in net eligible purchases in the first 12 months. Remaining advertised value is recurring benefits: free first checked bag (stated $140 for 2 travellers), Maple Leaf Lounge access (stated $590), 6 Visa Airport Companion visits (stated $385), NEXUS rebate (stated $160). No first-year fee waiver. No offer end date published.

Emergency travel medical up to $5,000,000 per insured person per trip, 31 consecutive days at age 64 or under and 10 consecutive days at age 65 or over (no hard cutoff, hence age_limit null). Trip cancellation $2,500 per person / $10,000 per trip combined. Trip interruption and delay $5,000 per person / $25,000 combined. Flight delay up to $500 per person / $1,000 per occurrence combined. Baggage delay up to $500 per person / $1,000 per occurrence combined. Lost or stolen baggage up to $1,000 per person / $2,500 per occurrence combined. Rental car collision/loss damage on vehicles with MSRP up to $85,000 for up to 48 days. Mobile device up to $1,500 per occurrence per insured person. Purchase Security 180 days; Extended Protection up to two additional years. Hotel burglary up to $2,500 per occurrence combined. Common carrier accident up to $500,000 per insured person. Air Canada: free first checked bag up to 23kg for the cardholder, authorized users and up to 8 companions on the same reservation; priority check-in, boarding and baggage handling; eUpgrade 24-month validity for elite members. Lounge: UNLIMITED Maple Leaf Lounge and Air Canada Café access in North America for cardholder plus one guest, PLUS 6 complimentary Visa Airport Companion visits per year. Lounge_passes_per_year 6 refers only to the Visa Airport Companion component. Annual Worldwide Companion Pass worth $99 to $599 depending on region, earned on $25,000 in eligible net purchases within an account year. NEXUS rebate up to CAD$200 once every 4 years. Avis President's Club upgrade. World of Hyatt Discoverist status plus 5 annual tier-qualifying nights. 24-hour Visa Infinite Privilege concierge. Annual fee rebates possible with an active eligible CIBC Smart Account. Up to 9 additional cards at $149 each. HEADLINE VS SUBSTANCE: 'up to $3,200 in value' bundles one-time welcome points with recurring annual perks (lounge, checked bag, NEXUS) against a $599 recurring fee. Only the ~100,000 points are a true welcome bonus. lounge_passes_per_year of 6 badly understates this card. Maple Leaf Lounge access in North America is UNLIMITED for cardholder plus a guest. The 6 is only the separate Visa Airport Companion allotment. A numeric lounge filter will rank this card below cards with more listed passes but far worse access. The Annual Worldwide Companion Pass is worth $99 to $599 depending on region, not a flat $599, the headline uses the maximum. Companion Pass and the 50,000-point anniversary bonus both key off $25,000 spend but on an ACCOUNT YEAR / first-12-months basis, while the $100,000 earn cap keys off the December statement date. Multiple non-aligned clocks. Rental car CDW MSRP ceiling is $85,000 here versus $100,000 on the Aventura Visa Infinite Privilege. The more expensive card has the weaker rental limit. Travel medical drops from 31 days to 10 days at age 65. The $100,000 cap counts ALL net purchases at any merchant, so non-bonus spending consumes the bonus allowance. Interest rates render as placeholder tokens on the live page; taken from PDF 11995-en.