The main difference between the CIBC Aeroplan Visa Infinite Card and the CIBC Dividend Visa Infinite Card lies in their rewards and perks. While both cards offer premium benefits and cater to Canadian credit card enthusiasts, they have distinct focuses.
The CIBC Aeroplan Visa Infinite Card is your passport to travel rewards. With a strong emphasis on earning Aeroplan miles, it's perfect for globetrotters aiming to rack up points for flights and hotel stays. This card is your ticket to priority boarding, lounge access, and travel insurance, making it a must-have for jet-setters.
On the flip side, the CIBC Dividend Visa Infinite Card puts cashback in your pocket. If you prefer cold, hard cash over travel perks, this card's rewards structure is designed for you. Earn cashback on everyday spending categories like groceries, gas, and dining. Plus, enjoy extended warranties and purchase protection to sweeten the deal.
Both cards come with fees, but the specifics differ. As for introductory offers, they each have enticing bonuses that cater to their unique features. The Aeroplan card may offer a boosted sign-up bonus of miles, while the Dividend card could present an attractive cashback incentive.
In a nutshell, if you're a frequent flyer with a passion for exploring new horizons, the CIBC Aeroplan Visa Infinite Card could be your ultimate companion. But if you're more of a homebody who values tangible rewards, the CIBC Dividend Visa Infinite Card might be the better fit. Remember, your spending habits and financial goals will be your compass in choosing the right card. Happy swiping!
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|---|---|
| Description | |
| Offers a faster method for accumulating Aeroplan Points and provides extensive insurance coverage, encompassing flight, and travel medical insurance. | You can earn 4% cashback on gas and groceries, then 2% on transportation, dining, and recurring payments when you apply for the CIBC Dividend Visa Infinite Card. |
| Basics | |
| Additional Cardholders | |
| 3 | 3 |
| Card Type | |
| Visa | Visa |
| Minimum Credit Limit | |
| N/A | N/A |
| Maximum Credit Limit | |
| N/A | N/A |
| Sign up bonus | |
| Signup Bonus Points | |
| 20000 points | N/A |
| Signup Bonus Points Required Spend | |
| $4,000.00 | N/A |
| Signup Bonus Points Required Spend Terms | |
| eligible purchases within the first 4 months. Earn 10,000 Aeroplan points when you make your first purchase. Plus 15,000 Aeroplan points as an additional anniversary bonus when you have at least $10,000 in net purchases posted on your account during the first 12 monthly statement periods. Giving you a of 40,000 Aeroplan points | N/A |
| Rewards | |
| Rewards Program | |
| CIBC Rewards | CIBC Rewards |
| Domestic Rewards Points Earn Rate | |
| 1 | N/A |
| Cashback Percentage Any Domestic Spend | |
| N/A | 1% |
| Benefits | |
| Airport Lounge Access Included | |
| No | No |
| Concierge Service Included | |
| Yes | Yes |
| Cardholder's International Travel Insurance | |
| Yes | No |
| Complimentary Flight Voucher Included | |
| No | No |
| Introductory balance transfer | |
| Balance Transfer Rate | |
| N/A | N/A |
| Balance Transfer Period | |
| N/A | N/A |
| Balance Transfer Fee Percentage | |
| N/A | N/A |
| Balance Transfer Limit Percentage | |
| N/A | N/A |
| Balance Transfer Revert Rate | |
| N/A | N/A |
| Ongoing rates | |
| Cash Advance Rate | |
| 22.99% p.a. | 22.99% p.a. |
| Purchase Rate Ongoing | |
| 20.99% p.a. | 20.99% p.a. |
| Ongoing fees | |
| Annual Fee Ongoing | |
| $139.00 | $120.00 |
| Foreign Exchange Fee Percentage | |
| 2.5% | 2.5% |
| Late Payment Fee | |
| N/A | N/A |
| Overseas ATM Withdrawal Fee | |
| $5.00 | $5.00 |
| Digital wallets | |
| Apple Pay Enabled | |
| Yes | Yes |
| Google Pay Enabled | |
| Yes | Yes |
| Samsung Pay Enabled | |
| Yes | Yes |
| Eligibility | |
| Available To Existing Customers | |
| No | No |
| Minimum Age | |
| 18 years | 18 years |
| Minimum Credit Rating | |
| Good | Good |
| Minimum Income | |
| $60,000.00 | $60,000.00 |
| Temporary Residents Accepted | |
| No | No |
