Use your CIBC Dividend Card for everyday spending and earn up to 1% cash-back2! There are no special rules or complicated conditions. And no annual fee either. It's the credit card that helps you get more for your money. Apply online now and start saving! (Current regular interest rate is 19.5%1)

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 Card is for you if:

• You need an everyday credit card for shopping, travel and unexpected emergencies
• You want to earn cash-back on almost all of your purchases with the card
• You want a credit card with no annual fee
• You have a minimum annual household income of $15,000

Get more for your money with the CIBC Dividend Card:

• Earn up to 1% cash-back on net purchases made with the card
• Automatic Purchase Security and Extended Protection* Insurance* when your personal purchases are charged to your card. Double the manufacturer's original Canadian or U.S. warranty up to one additional year on most purchases
• Your rebate accumulates and is credited to your account annually

Here's how your Dividend Dollars® are calculated:

• Tier one - 0.25% rebate for net annual purchases up to $1,500
• Tier two - 0.50% rebate for net annual purchases from $1,500.01 to $3,000
• Tier three - 1% rebate for net annual purchases over $3,000

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 limit3
• 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 file4
• 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 Card goes far beyond earning rebates.
You will also receive these premium credit card advantages:

• $100,000 Common Carrier Accident Insurance5
• AVIS car rental discounts up to 20% on at participating locations6
• Free personalized CIBC Convenience Cheques7
• Guaranteed hotel reservations
• Cash advances of up to $1,000 a day8
• Emergency card replacement
• Worldwide VISA acceptance when 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
• CIBC Emergency Travel Medical 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. If your credit rating and financial situation do not meet certain criteria set by CIBC, CIBC may still issue the card but at 24%

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. Rebate is credited to the CIBC Dividend 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 $1,500 in net annual purchases your rebate is 0.25%; on your next $1,500 in net annual purchases your rebate would be .50%; on amounts greater than $3,000 in net annual purchases your rebate would be 1.0%. See Card Package (distributed when card is issued) for full details.

3 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.

4 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 and bear interest from the date they are posted to your credit card account. Convenience Cheques cannot be used for payments on or transfer balances 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.

**Excludes CIBC U.S. Dollar VISA Card

Insurance Features/Options:

5 Common Carrier Accident Insurance is underwritten by American Home Assurance Company; Purchase Security and Extended Protection Insurance is underwritten and administered by Elite Insurance Company; common carrier fares or merchandise must be charged to the card to activate coverage. 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).