Get up to a $50,000 credit limit, depending on your credit history, and earn up to 2% in cash dividends on most purchases made with the card2. Plus, enjoy a host of exclusive features unmatched even by some gold cards. Apply online now and start saving!

Chip technology

CIBC VISA Cards will now be issued with chip technology**. This technology is tested, proven and in wide use around the world. Chip cards are quickly becoming the new global standard for enhanced safety and security against credit card fraud. View important information on how to use your chip-enabled CIBC VISA Card.

The CIBC Dividend Platinum card is for you if:

• You want to earn cash dividends on purchases charged to the card
• You want your credit card to provide value-added rewards and premium privileges
• You travel for pleasure at least once a year
• You have an annual household income of $35,000 or more

Enjoy the best in life with the CIBC Dividend Platinum card:

• Earn up to 2% cash dividends on net purchases made with the card2
• Get Purchase Security and Extended Protection* Insurance* on most of your purchases charged to your card. Increase the manufacturer's original Canadian or U.S. warranty up to one additional year on most of your purchases.3

Here's how your Dividend Dollars® are calculated:

• Tier one - 0.5% rebate on your first $3,000 in annual net purchases
• Tier two - 1% rebate on your next $12,000 in annual net purchases (Between $3,000 and $15,000)
• Tier three - 1.5% rebate on your next $20,000 in annual net purchases (Between $15,000 and $35,000)
• Tier four - 2% rebate on your next $15,000 in annual net purchases (Between $35,000 and $50,000)

Note: Your year-to-date net purchase amounts must be greater than the dollar range for a tier before you can start earning Dividend Dollars at the next tier rate.

With CIBC CreditSmart, you can manage, track and organize your credit card activity - plus protect yourself from fraud.

• Online Spend Report: get a more detailed view of your credit card spending and create customized monthly budgets
• Personal Spend Manager: create your own personal spend categories to track and manage what’s important to you
• Enhanced Monthly Statement: track and manage your monthly and year-to-date spending organized in 10 common spend categories on your printed statement
• Spend Alerts: set up alerts through CIBC Online Banking and choose to be notified by phone, e-mail or online message when you’ve exceeded your customized budget or are nearing your credit limit4
• Credit Report Alerts: stay up-to-date on key changes to your personal credit report so you’re aware of any unusual activity on your credit file5
• Fraud Alerts: set up alerts and choose to be notified as soon as possible about potential unauthorized use of your credit card through alerts by e-mail or online message
• Identity Theft Assistance: get quick access to guidance and clear instructions on what to do if you suspect you’re a victim of identity theft by calling 1-800-465-4653

From ways to help manage spending to features that offer new levels of card security, your CIBC VISA Card is The card for the way you live life. On your terms™.

The value of your CIBC Dividend Platinum card goes far beyond earning dividends.
You will also receive these premium credit card advantages:

• $1,000,000 Common Carrier Accident Insurance3
• Out-of-Province Travel Medical Insurance for you and your family for trips of 15 days or less (cardholders aged 64 and under)3
• VISA Auto Rental Collision / Loss Damage Insurance3
• Purchase Security and Extended Protection* Insurance3
• AVIS car rental discounts up to 20% at participating locations6
• Free personalized CIBC Convenience Cheques7
• Commission-free Regular American Express Travellers Cheques+
• Guaranteed hotel reservations
• Cash advances of up to $1,000 a day8
• Emergency card replacement
• Worldwide VISA acceptance at over 24 million locations
• 24/7 roadside assistance in Canada or the mainland U.S. with no upfront fees and a market rate guarantee with Driver Assist9

Also, check out these great Optional Features:

• CIBC Payment Protector™ provides credit card protection when you need it the most
• CIBC Auto Club offers travel protection when driving in Canada and the U.S.
• CIBC Trip Cancellation/Trip Interruption Insurance

Apply online, call the CIBC Credit Card Application Centre at 1-866-438-2422 or visit one of our branches.

Trademarks and Disclaimers

1 The interest rate will change from time to time on at least 30 days prior notice to cardholders.

2 Applicable rebate rate depends on annual volume of net card purchases. Rebate is earned on a tiered basis on card purchases less returns, and not on cash advances (including by Convenience Cheques), balance transfers, fees, interest, payments or on net purchases over $50,000 per year. Rebate is credited to the CIBC Dividend Platinum card account when the December account statement is issued, as long as account is then in good standing (otherwise the rebate is cancelled). Dividend Dollars are calculated as follows: on the first $3,000 in net annual purchases your rebate is 0.5%; on your next $12,000 in net annual purchases your rebate would be 1.0%; on your next $20,000 in net annual purchases your rebate would be 1.5%; on your next $15,000 in annual net purchases your rebate would be 2.0%. (See Card Package (distributed when card is issued) for full details.)

4 Transactions must first be posted to your account before they can trigger a spend alert. It may then take up 24 hours after a triggering transaction is posted for an Alert to be sent.

5 This service is provided by Equifax Canada, a leading credit bureau in Canada.

6 AVIS discounts are available at participating AVIS locations and are applied automatically when you use the Card to pay for the rental (Quebec residents may obtain the discount without using their Card, provided they show the Card when paying by an alternative payment option acceptable to AVIS).

7 Personalized CIBC Convenience Cheques can be ordered by calling a CIBC Credit Card Services Representative. Convenience Cheques are treated as cash advances. Convenience Cheques bear interest from the date they are posted to your credit card account. Cheques cannot be used for payments on or balance transfers from other CIBC credit cards, Personal Lines of Credit , Loans and Mortgages. Convenience Cheques cannot be certified. Cheques do not earn Dividend Dollars.

8 Cash advances bear interest from the date they are taken. Advances are subject to available credit and daily limits. Cash advances do not earn Dividend Dollars.

9 The market rate guarantee applies to tows of less than 50 kms and non-towing services, only; if you get a lower, written quote for the same service from another towing operator in the same market area, you'll be reimbursed the difference between that quote and what you paid the towing company to which you were referred. The Driver Assist service is provided by Dominion Automobile Association (DAA).

® Registered trademark of CIBC.

™ "CIBC for what matters" and "CIBC CreditSmart" are trademarks of CIBC.

TM1 Trade-mark of Carlson Marketing Group Canada Ltd.

* Visa Int./lic. user.

+ American Express Travellers Cheques is a Reg. TM of American Express Company, used under licence.

**Excludes CIBC U.S. Dollar VISA Card

Insurance Features/Options:

3 Common Carrier Accident Insurance is underwritten by American Home Assurance Company; Purchase Security and Extended Warranty Insurance is underwritten and administered by Elite Insurance Company; common carrier fares or merchandise must be charged to the card before departure to activate coverage. Out-of-Province Travel Medical Insurance is available only if the primary cardholder is age 64 and under, and then to their spouse who must also be age 64 and under and their dependent children for trips of up to 15 days; this insurance is underwritten by RBC Travel Insurance Company. VISA Auto Rental Collision/Loss Damage Insurance applies for rental periods up to 48 days, only; to activate coverage, the car rental agency's collision damage waiver insurance must be declined and the full cost of the rental must be charged to your card; underwritten by Royal & Sun Alliance Insurance Company of Canada. CIBC Emergency Travel Medical Insurance is underwritten by Co-operators Life Insurance Company and is administered by TIC Travel Insurance Coordinators Ltd. All insurance is subject to limitations and exclusions outlined in the insurance certificates distributed with the Card Package (for coverage included with the Card) or on enrolment (for optional coverages).