Pairs well with...

Annual Fee
Extra Card Fee
Card Type
Cash Advance
Balance Transfer
Personal Income
Household Income
Canadian resident who has reached the provincial age of majority.
Extended Warranty 2 years
Purchase Protection 180 days
Travel Accident $500,000
Emergency Medical Term 31 days
Emergency Medical over 65 10 days
Trip Cancellation $2,500
Trip Interruption $5,000
Flight Delay $500
Baggage Delay $500
Lost or Stolen Baggage $1,000
Hotel Burglary $2,500
Rental Car Theft & Damage Yes

Please review your insurance certificate for details, exclusions and limitations of your coverage.

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Our Review

Warning: The Aeroplan program will be undergoing major changes in 2020 which could impact reward value. Full details here.

If you've got the $200,000 household income that all Visa Privilege cards require, then the CIBC Aerogold Visa Infinite Privilege (and it's TD equivalent, the ) has a lot to love.

It's quite similar to the CIBC Aerogold Visa Infinite when it comes to earning rewards on purchases. You get an increased 1.25 Aeroplan miles per dollar spent for most purchases, and the usual 1.5 miles per dollar spent on gas, grocery, drugstore, and Air Canada purchases. You can expect roughly a 4% return on your spending from that.

The real difference is in the added perks the card offers.

First, they've beefed up the insurance coverage by make it last longer and most types of coverage have higher payout caps. You'll get 31 days of travel medical coverage instead of 15, $2,500 in trip cancellation instead of $1,000, $5,000 in trip interruption instead of $2,000, and more.

Next, you get exclusive Air Canada benefits that are applicable to all Air Canada flights, not just Aeroplan reward flights. That includes priority check-in, priority boarding and complimentary first checked bag.

Then, there’s much better access to airport lounges. You get 4 one-time guest passes to the Maple Leaf Lounge in addition to complimentary membership in the Priority Pass lounge program. With that, you receive 6 one-time passes usable at more than 500 Priority Pass lounges worldwide.

There's plenty more exclusive perks where those came from. Like an annual 50% companion discount on a business class ticket if you've already purchased a full-fare ticket for yourself. Or, upgraded status in Fairmont Hotel's President Club. Not to mention the freebies and discounts you get at hotels that are part of the Visa Luxury Hotel Collection

To top it off, there's the 25,000 Aeroplan signup bonus that occasionally gets ratcheted up to 50,000 miles during promotions. 25,000 Aeroplan miles can be redeemed for a free economy flight anywhere in Canada or the USA, which is worth about $625.

If you're looking for a big welcome bonus, right now the has a 50,000 mile sign-up bonus – 25,000 miles after the first purchase and another 25,000 after spending $1,000 in the first 3 months.

What are your thoughts?

The creditcardGenius algorithm calculates an estimated dollar value for all rewards and bonuses by using a typical point value a person can realistically achieve by redeeming their rewards in a reasonably optimized way. The "Welcome Bonus" is the dollar value obtained by combining all one-time bonuses available to new cardholders within the first year. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. Terms and conditions apply.

* Conditions apply.

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