Spending power. Recognition. An exclusive selection of benefits. The CIBC Platinum VISA* card offers the everyday conveniences you need and the recognition you deserve - with no annual fee. You'll enjoy a host of genuine CIBC Platinum VISA features, such as a credit limit starting at $5,000 (up to $50,000 depending on your credit history) and a bundle of no-fee insurances. Basic cards just can't compare.

The CIBC Platinum VISA card is a perfect fit for you if:

• You need the day-to-day convenience of a credit card with extended purchasing power
• You want to get a credit card with premium benefits and no annual fee (current regular annual interest rate is 18.5%1)
• Your household income is $35,000 or more

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 limit2
• 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 file3
• 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 Platinum VISA card goes far beyond everyday convenience:

You will also receive these great credit card advantages:

• VISA Auto Rental Collision/Loss Damage Insurance4
• $500,000 Common Carrier Accident Insurance4
• Purchase Security and Extended Protection* Insurance4
• AVIS car rental discounts up to 20% at participating locations5
• Free personalized CIBC Convenience Cheques6
• Guaranteed Hotel Reservations
• Cash advances of up to $1,000 a day7
• 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 Assist8

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 for your new CIBC Platinum VISA card. You can also 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 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.

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

5 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).

6 Personalized CIBC Convenience Cheques can be ordered by calling a CIBC 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 cards, Personal Lines of Credit or Loans and Mortgages. Convenience Cheques cannot be certified.

7 Cash advances bear interest from the date they are taken. Advances are subject to available credit and daily limits.

8 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).

™ "CIBC for what matters" and "CIBC CreditSmart" is a trademark of CIBC.

* VISA Int./lic. user.

Insurance Features/Options:

4 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, Vancouver, B.C.; common carrier fares or merchandise must be charged to the card to activate coverage. VISA Auto Rental Collision/Loss Damage Insurance applies for rental periods not exceeding 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; this insurance is underwritten by Royal & Sun Alliance Insurance Company of Canada. 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).