CIBC · Visa
Business card
$139 with liability on the business, against $180 with a lower rate for the personal liability twin. Same earn on both, so the choice is rate against liability.
Rates and features verified 2026-08-18Full terms and conditionsHow we research cards
What we like, and what we don’t
Worth having
- Liability sits with the business rather than the individual owner
- $41 cheaper than the personal liability version
- 2 Aeroplan points a dollar with Air Canada and at Hyatt
- 1.5 points a dollar on travel, transport, dining and services
- Four lounge passes and the first year fee rebated
Watch out for
- A 20.99% purchase rate, against 12.99% at the bottom of the range on the $180 version
- Anyone carrying a balance is better off paying the higher fee for the lower rate
- Employee cards cost $50 each with none included
- A 2.5% foreign transaction fee
- Business liability underwriting is stricter
What this card earns
- Dining and restaurants
- 1.5x
- Travel
- 1.5x
- Transit
- 1.5x
- Everything else
- 1x
- Bonus categories at once
- 1 you choose which
- What we value a point at
- 2¢
The earning fine print
2 Aeroplan points per $1 on Air Canada purchases and at Hyatt hotels; 1.5 points per $1 on travel and transportation; 1.5 points per $1 on dining and services; 1 point per $1 on everything else. Double points at 150+ Aeroplan partners and 170+ online retailers. No caps published.
The welcome offer
- Welcome bonus
- 75,000 points
- Also included
- The first-year annual fee is waived
What the offer actually requires
Up to 75,000 Aeroplan points (CIBC values at roughly $1,500 in travel) plus an annual fee rebate for the first TWO years worth up to $578, covering the primary card and up to 3 additional cards. CIBC markets total value at 'up to $2,500'. CIBC does not publish the spend threshold or time window for the points, so those are recorded as NOT PUBLISHED. No offer end date published.
Fees and interest rates
- Annual fee
- $139 waived the first year
- Employee card
- $50
- Employee cards included
- None
- Foreign transaction fee
- 2.5%
- Purchase APR
- 20.99%
- Cash advance APR
- 22.99%
- Balance transfer APR
- 22.99%
Who can get this card
- Personal guarantee required
- No you are personally liable for the balance
Insurance and benefits
- Rental car damage waiver
- Included
- Purchase protection
- Included
- Extended warranty
- Included
- Airport lounge
- 4 free visits a year
What the benefits really mean
Free first checked bag for the Rewards Officer, Card Officers or Employees and up to 8 companions on Air Canada flights. Up to 4 complimentary Maple Leaf Lounge passes annually. Visa Spend Clarity spending controls. Up to 15 additional cards at $50 each, with the first year rebated for up to 3. LIABILITY: CIBC files this card in its 'Business liability cards' group. The business entity, not the individual cardholder, holds liability. Credit approval is based on business qualification with a minimum credit limit requirement; no personal income minimum is published, unlike the personal-liability CIBC Aeroplan Visa Business Card which requires $35,000. CHEAPER AND WORSE-RATED THAN ITS PERSONAL-LIABILITY TWIN. This Plus card costs $139 with a 20.99% purchase rate, while the personal-liability CIBC Aeroplan Visa Business Card costs $180 with a purchase rate 'as low as 12.99%'. Same earn rates, same lounge and bag benefits. Anyone carrying a balance pays dearly for the cheaper fee. requires_personal_guarantee recorded FALSE solely on CIBC's 'Business liability' classification; CIBC does not publish whether an owner guarantee is taken at underwriting. Verify before publishing. CIBC does not publish the spend requirement or window for the 75,000-point bonus. CIBC publishes no insurance dollar limits for this card. The CIBC business rates PDF does not cover the Plus cards; rates come from the business credit cards listing page only.
Our verdict
CIBC sells two Aeroplan business cards with identical earn rates, and the difference is a trade most people will get wrong. This one is $41 cheaper and puts liability on the company. The $180 version puts liability on you and charges from 12.99% instead of 20.99%.
Work out which you actually need. If you clear the balance every month the rate is irrelevant and this is the better card: cheaper, and your personal credit is not on the line. If you carry even $3,000, the eight point rate difference costs more than the $41 you saved, and the more expensive card is the cheaper one.
Cards worth comparing this against
Compare this against every card we track
Where this came from. cibc.com/en/business/credit-cards.html (lineup, liability grouping, $139 fee, 20.99%/22.99%); cibc.com/en/business/credit-cards/aeroplan-visa-business-plus.html (earn, welcome, benefits, card count, eligibility). Verified 18 Aug 2026.. We take every figure from the issuer’s own pages, never from another comparison site, and we leave a field blank rather than guess at it.