The non-business personal version of CIBC Aerogold Visa Infinite is FYF / 35K (20K after first purchase + 15K after spending $10K at card anniversary). I'm going to open it for the 20K and not even bother with that huge spend, and then you have to wait a YEAR to get the additonal bonus? I opened a card like this with TD Aeroplan in the past. It was awful having to wait for the year-end bonus.

https://www.cibc.com/en/personal-ban...nite-card.html