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CIBC Aerogold Visa Card

Receive 15,000 Bonus Aeroplan® Miles when you use your card for the first time.1

CIBC Aerogold Visa
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Household income:
$15,000 minimum

Annual fee: $1203

Annual Interest Rate - Purchases: 19.99% 4
Annual Interest Rate - Cash: 21.99% 4

Additional cards:
$50 each per year, up to 3
cards maximum3

Earn miles faster

  • Earn one Aeroplan Mile for every dollar you spend on the card5
  • Earn 1.5 Aeroplan Miles for every dollar you spend in card purchases at gas, grocery and drug stores (on your first $80,000 of overall account spending each year6)
  • Earn miles twice when you use the card and an Aeroplan member card at over 150 participating Aeroplan Partner brands worldwide
  • Access to every available seat7 on Air Canada and Air Canada ExpressTM2, including Executive Class®1/Executive First®1
  • A guarantee from CIBC that Aerogold or Aerogold Infinite primary cardholders will not lose their Aeroplan Miles due to 12 months inactivity8
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The CIBC Aerogold® Visa Card also gives you premium benefits

  • Worldwide Visa acceptance at more than 24 million locations
  • Earn Bonus Aeroplan Miles when you dine, golf or stay at any of the hundreds of participating CIBC Bonus Rewards establishments throughout Canada9
  • Receive $500,000 Common Carrier Accident Insurance2

You are requesting a CIBC Aerogold Visa or CIBC Aerogold Visa Infinite™ Card; if you qualify for the CIBC Aerogold Visa Infinite Card, you will receive that. It has the same welcome bonus as the CIBC Aerogold Visa Card.

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1 This offer cannot be combined with any other offer and applies to new, approved CIBC Aerogold Visa primary cardholders only; it may not apply if you convert your existing CIBC Credit Card, or if your existing CIBC Credit Card is converted into this Card. Bonus Aeroplan Miles are awarded after the first purchase is made with the card. Offer may be changed or withdrawn at any time.

2 Insurance coverage(s) included with CIBC credit cards are provided by Royal & Sun Alliance Insurance Company of Canada (RSA). Different cards will have different coverage(s). To learn about included insurances), and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, see www.cibc.com/ca/credit-card/agreements-insurance.html and the insurance certificate(s) in your card package. Some insurance(s) require purchases, auto rentals, common carrier fares and other trip costs to be charged to the card to activate coverage (other conditions may also apply). Certain RSA coverages are “excess insurance” (all other sources of insurance and recovery must be exhausted before benefits are available). For more information, call RSA toll-free at 1-866-363-3338 in Canada, continental U.S. and Hawaii or collect from elsewhere at 905-403-3338.

3 The annual fee is posted to the account if/when the application is approved and the card is issued, whether the card is activated or not, and annually thereafter. For information about other Card fees, select “Apply Now” and the “Interest Rate and Fee Information” link on that page (you do not have to apply in order to view this information).

4 Annual Interest Rate - Cash is 21.50% until the first day of the period covered by your November 2012 monthly statement. Annual interest rates will change from time to time on at least 30 days prior notice to primary cardholders. "Cash" means cash advances, balance transfers and Convenience Cheques.

5 Aeroplan Miles are earned on card purchases less returns; and not on cash advances, Convenience Cheques, fees, interest, Balance Transfers or payments. All terms and conditions of the Aeroplan Program apply. In addition, Aeroplan Miles may not be credited if your Visa account is not in good standing or is overlimit; also, if your Visa account is in Good Standing, previously credited Aeroplan Miles may be removed from your Aeroplan Account. Taxes, landing and departure fees and other charges and surcharges may apply to Aeroplan reward travel. Aeroplan Partners, rules and regulations are subject to change without notice and may be found at aeroplan.com.

6 The 50% more offer applies to CIBC Aergold Visa Infinite Card and CIBC Aerogold Visa Card purchases (less returns) at merchants which are classified in the Visa network as grocery stores, service stations/automated gas dispensers or drug stores. Some merchants may sell gas, grocery or drug store products/services, or are separate merchants located on gas, grocery, or drug store premises, but are classified in another manner, in which case this added benefit would not apply. Any returns or other credits for the card purchase at grocery, gas or drug stores will be deducted from your Aeroplan Account at the rate of 1.5 Aeroplan Miles per dollar. Bonus Miles offer is only available on the first $80,000 in net annual card purchases on your card account (meaning all card purchases by all cardholders, at any type of merchant); after that, net card purchases at these merchants will earn Aeroplan Miles at the regular rate. The $80,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant categories may change without notice.

7 Aeroplan ClassicPlus Flight rewards offer you access to any available seat in Economy Class, Executive Class and Executive First Class on Air Canada and Air Canada Express Flights; additional Miles may be required. See www.aeroplan.com for details.

8 Aeroplan rules require at least one accumulation or redemption transaction every 12 months in an Aeroplan Account or the Aeroplan Miles will expire. CIBC has ensured that this doesn't happen to the one Aeroplan Account which is connected to a CIBC Aerogold Visa, Aerogold Visa Infinite, Aerogold Visa Card for Business or Aero Classic Visa Account and which receives all Aeroplan Miles earned by all cardholders on that Visa/Visa Infinite Account, provided the account is in Good Standing. However, Aeroplan Miles will expire unless redeemed within 7 years from when they were earned (or on Dec. 31, 2013, for Miles earned before 2007). See aeroplan.com for details.

9 CIBC Bonus Rewards apply only if the card is used for payment at participating establishments. Some restrictions may apply. Please visit www.cibcbonusrewards.com for full terms and conditions. CIBC Bonus Rewards cannot be combined with other promotional offers and may not be valid with certain discounts and offers. Terms, conditions and participating merchants may change without notice. This program is operated by Advantex Marketing International Inc.

® Aeroplan and Aerogold are registered trademarks of Aimia Canada Inc.

®1 Executive Class and Executive First are registered trademarks of Air Canada.

TM1 Visa Int./CIBC lic. user.

TM2 Trademark of Air Canada.

All marks used under license.

"CIBC For what matters" is a registered trademark of CIBC.