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CIBC Aerogold® Visa* Card for Business

Interest Rate12.99%

Annual Fee$180

Sign-Up Bonus

20,000 Aeroplan Miles

Choose one of the $50 Gift Cards Below

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CIBC Aerogold® Visa* Card for Business

Last Updated: 09 Jul 2015

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Interest Rate

12.99%

Annual Fee

$180

Sign-Up Bonus

20,000 Aeroplan Miles

Balance Transfer:

Cash Advance:

14.50%

Minimum Credit Score Needed:

Good (690-719)

Credit Card Issuer:

CIBC

Network:

Visa
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CIBC Aerogold® Visa* Card for Business. Act now and earn a 25,000 Aeroplan Miles Welcome Bonus. We’ll cover your first-year annual fee. Savings start at $180.

This card is perfect if you:

  • Want to earn travel rewards on all your purchases and collect Aeroplan Miles faster
  • Travel for pleasure or business
  • Want premium insurance coverage
  • Enjoy perks such as Avis® and Budget® car rental discounts
  • Want guaranteed hotel reservations
  • Have a minimum household income of $35,000

Fine Print:

You will receive a welcome bonus of 20,000 Aeroplan Miles for the CIBC Aerogold Visa Card for Business, when you make your first purchase at any time with your card. The following do not qualify as purchases: cash advances, interest, fees, balance transfers, payments or Convenience Cheques or Aeroplan Miles redemptions. It may take up to several business days for purchases to be posted to your account. Bonus miles will be awarded to the primary cardholder on the first monthly statement after the qualifying purchase(s) are posted to the account. Card account must be open and in good standing at the time the Aeroplan Miles are awarded. Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Aerogold Visa Card for Business are excluded. Offer and bonus miles are non-transferable. Offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion. Offer may be withdrawn or changed without notice at any time.

2 Aeroplan Miles are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments or Convenience Cheques. 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, please refer to aeroplan.com. Aeroplan Miles will be awarded only if your CIBC Aerogold Visa for Business account is in good standing on the monthly statement date (otherwise Aeroplan Miles are cancelled).

3 Earn 1.5 Aeroplan Miles on purchases (excluding returns) at merchants classified in the Visa network as service stations/automated gas dispensers, airlines, hotels, car rental agencies, cruise lines, travel agencies/tour operators, tour buses/bus lines, local/suburban commuter passenger transportation, ferries, local water transportation, railways, limousines/cabs and certain other transportation services. This bonus Aeroplan Miles offer is only available on the first $80,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant). 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.

4 Visit the Aeroplan Flight Reward Chart at www4.aeroplan.com/FlightRewardChart.do for complete information about mileage levels for Flight Rewards.

5 We may withdraw approval if we become aware of any unfavourable information regarding your financial position or account status, or if you are unable to provide any additional information reasonably requested by CIBC. The application response time may take longer than 60 seconds in the event of technology issues. If you supply your email address, an application status email will be sent as soon as the technology issues are resolved. Otherwise, you will receive a response to your credit card application within 7 to 10 business days.

6 The number of rewards you may earn differs based on the eligible credit card and the participating CIBC Bonus Rewards establishment and may only be earned when you use your eligible credit card for payment. Some restrictions apply. Take-out, gift certificates and retail merchandise for purchase at a participating restaurant establishment may not qualify. The CIBC Bonus Rewards Benefit cannot be combined with other promotional offers. CIBC Bonus Rewards terms, conditions and participating establishments may change without notice. For full details, visit cibcbonusrewards.com.

7 Visit aeroplan.com for the full Terms and Conditions of the Aeroplan Program.

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 Card for Business account and which receives all Aeroplan Miles earned by cardholders on that Visa account, provided the account is in good standing. Visit aeroplan.com for the full Terms and Conditions of the Aeroplan Program.

9 Your CIBC Aerogold Visa of Business Card account must be in Good Standing for you to receive or use cardholder benefits including Air Canada benefits.

10, 11 All Air Canada benefits are fulfilled by Air Canada, or its designated affiliates, or other third parties, and are subject to change at any time without notice. For more details about these benefits, please contact Air Canada directly. CIBC and its affiliates are not responsible for these Air Canada benefits.

Air Canada Benefit Eligibility – Priority Travel Services: With the CIBC Aerogold Visa Infinite Card or the CIBC Aerogold Visa Card for Business, Air Canada benefits applies whenever the Primary Cardholder travels using an Aeroplan flight reward only, on a flight operated by Air Canada, Air Canada rouge® or under the Air Canada Express banner. Flights operated by other airlines are not eligible. To access these benefits, the Primary Cardholder must redeem their Aeroplan flight reward (defined as a ClassicFlight or Market Fare Flight Reward) using Miles from their Aeroplan Account, and must also ensure that the name on the Air Canada flight booking is identical to the name on the Aeroplan Account profile of the traveller. Where zonal boarding is available, the priority boarding status will be recognized by a Zone 2 descriptor for the Primary Cardholder and companions travelling on the same reservation, which will be displayed on the Air Canada issued boarding pass. Priority check-in may also be extended to companions travelling on the same reservation as the Primary Cardholder. To access priority check-in and priority boarding, the Primary Cardholder may be required to show their CIBC Aerogold Visa Infinite Card or their CIBC Aerogold Visa Card for Business to the Air Canada agent. Please allow two weeks from receiving your Card for these Air Canada benefits to be activated

12 The complimentary first checked bag, up to 23kg (50 lbs), applies whenever the Primary Cardholder travels using an Aeroplan flight reward only, on a flight operated by Air Canada, Air Canada rouge or under the Air Canada Express banner. Flights operated by other airlines are not eligible. To access this benefit, the Primary Cardholder must redeem their Aeroplan Flight Reward (defined as a ClassicFlight or Market Fare Flight Reward) with Miles from their Aeroplan Account, and must also ensure that the name on the Air Canada flight booking is identical to the name on the Aeroplan Account profile of the traveller. The complimentary first checked bag applies solely to the Primary Cardholder, and service charges for additional/oversized/overweight baggage may apply. To access this benefit, the Primary Cardholder may be required to show their CIBC Aerogold Visa Infinite Card or their CIBC Aerogold Visa Card for Business to the Air Canada agent. Please allow two weeks from receiving your Card for these Air Canada benefits to be activated.

13 Air Canada Benefit Eligibility – Air Canada Maple Leaf Lounge One-Time Guest Access Benefit: With the CIBC Aerogold Visa Infinite Card or the CIBC Aerogold Visa Card for Business, the primary cardholder will receive one Air Canada Maple Leaf Lounge One-Time Guest Access Benefit once every calendar year (January 1- December 31). The Primary Cardholder may access an Air Canada Maple Leaf Lounge, where available, upon presentation of an active CIBC Aerogold Visa Infinite Card or CIBC Aerogold Visa for Business Card, with a valid, same-day boarding pass for travel using an Aeroplan flight reward, only, on a flight operated by Air Canada, Air Canada rouge or under the Air Canada Express banner. To access this benefit, the Primary Cardholder must redeem their Aeroplan flight reward (defined as a ClassicFlight® or Market Fare Flight Rewards™) with miles from their Aeroplan account. Each Air Canada Maple Leaf Lounge One-Time Guest Access Benefit applies for a single entry during the calendar year for which it was provided by the Primary Cardholder only and cannot be carried forward to the next calendar year or transferred to another person. Additional conditions apply and are outlined on aircanada/cibcbenefits. Air Canada Maple Leaf Lounge access is subject to availability and all other then-current terms and conditions located here that are subject to change at Air Canada’s sole discretion. Please allow two weeks from receiving your Card for these Air Canada benefits to be in effect.

14 Insurance coverage(s) included with CIBC credit cards is underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). Different cards may have different coverage(s). To learn about which coverage(s) are included with a specific card, 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 coverage(s) require purchase(s), auto rentals, common carrier fares and other trip costs to be charged to the card to activate coverage (other conditions may also apply). Auto Rental Collision/Loss Damage Insurance (CLDI) is available for automobile rentals of up to 48 days. The full cost of the rental must be charged to the card and the rental agency's Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) must be declined. CLDI provides coverage up to the actual cash value (ACV) of the rental vehicle as defined in your insurance certificate. Note that some rental agencies may assess their damages at an amount greater than the ACV of the rental vehicle and you may be liable to them for the difference. Before declining the rental agency's CDW or LDW, you should read carefully and compare the terms of the rental agreement, the CLDI insurance certificate in your card package and any other insurance you own to decide which coverage best meets your protection needs. Certain RSA coverage(s) are "excess insurance" (all other sources of insurance and recovery must be exhausted before coverage is 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.

15 Discounts are determined by the participating rental agency and apply to time and kilometer/mileage charges only.

16 When you use your card to reserve hotel accommodations, a guaranteed reservation request may be made to hold the requested or comparable hotel room (subject to individual hotel policies and conditions).

17 In Canada, the annual fee may be a tax deductible business expense. Please consult a tax professional.

18 The current annual interest rate for purchases is set at either 12.99%, 15.99% or 18.99% and the current annual interest rate for cash advances, balance transfers and Convenience Cheques is set at either 14.5%, 17.5% or 21.5%, all based on your personal credit bureau and other information at the time your application is processed. Interest rates will change from time to time on at least 30 days prior notice to primary cardholders.

19 The primary cardholder may assign and change the Authorized User Spending Limits on the credit card account for any authorized user(s) by contacting CIBC. CIBC may make adjustments to the spending limits any time following a decrease in the credit limit or cash limit of the card. "Cash" refers to cash advances, convenience cheques and balance transfers. For full details visit https://www.cibc.com/ca/credit-cards/budgeting-spend/spending-limits.html.

20 Subject to merchant transaction limits. The Authorized User Spending Limit and the CIBC Mobile Payment App features cannot be used on the same credit card account.

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