CIBC Aeroplan Visa Infinite Card vs CIBC Dividend Visa Infinite

By   |   Verified by David Boyd   |   Updated 15 Aug 2023

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!

CIBC Aeroplan Visa Infinite Card
 
CIBC Dividend Visa Infinite Card
 
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
33
Card Type
VisaVisa
Minimum Credit Limit
N/AN/A
Maximum Credit Limit
N/AN/A
Sign up bonus
Signup Bonus Points
20000 pointsN/A
Signup Bonus Points Required Spend
$4,000.00N/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 pointsN/A
Rewards
Rewards Program
CIBC RewardsCIBC Rewards
Domestic Rewards Points Earn Rate
1N/A
Cashback Percentage Any Domestic Spend
N/A1%
Benefits
Airport Lounge Access Included
NoNo
Concierge Service Included
YesYes
Cardholder's International Travel Insurance
YesNo
Complimentary Flight Voucher Included
NoNo
Introductory balance transfer
Balance Transfer Rate
N/AN/A
Balance Transfer Period
N/AN/A
Balance Transfer Fee Percentage
N/AN/A
Balance Transfer Limit Percentage
N/AN/A
Balance Transfer Revert Rate
N/AN/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/AN/A
Overseas ATM Withdrawal Fee
$5.00$5.00
Digital wallets
Apple Pay Enabled
YesYes
Google Pay Enabled
YesYes
Samsung Pay Enabled
YesYes
Eligibility
Available To Existing Customers
NoNo
Minimum Age
18 years18 years
Minimum Credit Rating
GoodGood
Minimum Income
$60,000.00$60,000.00
Temporary Residents Accepted
NoNo