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Get the purchasing power, convenience and benefits of a credit card at a much lower rate of interest1. Now you don't have to pay for features you don't use. Apply online today for the card that offers just what you need.

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 Select VISA Card is a perfect fit for you if:

• You pay off your card every month but would carry a balance at a lower interest rate
• You want a low-rate credit card that allows you to carry a balance - for larger, more costly purchases
• You have a minimum household income of $15,000

See how much you can save with a low-rate CIBC Select VISA Card

If you are using another credit card, you could be paying an interest rate of 18% and as high as 28% on most department store credit cards. Switch to the CIBC Select VISA Card to start saving money right away. See the example below on how much you could save if you are currently paying 18% interest:

With a balance of:	You'll pay this much interest at 18%:	Interest with a CIBC Select VISA Card:	What you could save in one year:
$1,000	$180	$115	$65
$3,000	$540	$345	$195
$5,000	$900	$575	$325

Examples assume balances carried for one year and use the current annual CIBC Select VISA Card rate of 11.5%. Rates may change.

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 Select VISA Card goes far beyond a lower interest rate.
You will also receive these great credit card advantages:

• $100,000 Common Carrier Accident Insurance4
• AVIS Car rental discounts of 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, call the CIBC Credit Card Application Centre at 1-866-438-2422 or visit one of our branches.

Trademarks and Disclaimers

1 Although the CIBC Select VISA Card rate may change from time to time, the card will always have a money-saving interest rate, year after year. At least 30 days prior notice is given of rate changes.

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 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.

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).

® 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:

4 Common Carrier Accident Insurance is underwritten by American Home Assurance Company; common carrier fares must be charged to the card before departure 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).