CIBC Business Aeroplan Visa

Overview

The CIBC Business Aeroplan Visa is CIBC's business-focused Aeroplan co-branded credit card — a Visa product that earns Aeroplan points directly on business purchases, with no intermediate step to convert rewards. Aeroplan is Air Canada's loyalty program, redeemable for flights on Air Canada, Star Alliance partners, and dozens of other airlines worldwide. At $180 CAD annually, this card is built for Canadian business owners and incorporated businesses whose principals fly Air Canada with enough regularity that earning Aeroplan on business spending makes strategic sense alongside their personal Aeroplan cards.

Who this card is for

This card is for Canadian business owners and self-employed professionals who already collect Aeroplan on a personal card and want their business expenses feeding the same loyalty account. There's no stated personal income requirement, making it accessible to sole proprietors and incorporated businesses of most sizes. It's particularly useful for businesses with travel and transportation expenses, since those categories align well with earning Aeroplan efficiently. Less suited to businesses whose owners are loyal to a different airline or who prefer cashback simplicity over points management.

Key benefits

The card earns Aeroplan points on all eligible business purchases, with accelerated earning on travel and transportation categories. Spend on flights, hotels, car rentals, gas, and business-related travel generates points that flow directly into your Aeroplan account — the same account your personal Air Canada flights contribute to. Multiple employee cards can be added to allow team members to earn points on their business expenses, all pooling into a single account.

Business management tools include the ability to set individual card limits and simplified expense tracking, which matters for reconciliation across a business with multiple cardholders. Purchase security and extended warranty protection apply on eligible business purchases.

Welcome bonus offers do appear on this card periodically — check CIBC's business credit card page for any current promotions before applying.

Potential drawbacks

The $180 CAD annual fee is at the higher end for a business rewards card when comparable personal Aeroplan cards cost $139 CAD or less. If the business owner is the only cardholder and personal travel volume is modest, the premium over a personal Aeroplan card requires justification. Aeroplan points also don't transfer outside the Aeroplan ecosystem, limiting flexibility for businesses whose principals fly across multiple carriers.

How it compares

The CIBC Aeroplan Visa Infinite is the personal-card equivalent at $139 CAD annually with verified earn rates of 1.5 points on groceries, gas, and dining. For a sole proprietor who blends personal and business spending on a single card, the personal Infinite may be sufficient at a lower fee. The CIBC Aventura Visa for Business is the airline-agnostic alternative, earning flexible Aventura points at $120 CAD annually.

Bottom line

A logical Aeroplan earning vehicle for businesses whose principals are already invested in the Aeroplan program and want business spending contributing to their Air Canada travel goals. Confirm the current earn rates and welcome bonus directly on CIBC's site before applying.