Authorized User(s) Spending Limits Feature

Your card comes with a unique Authorized User(s) Spending Limits1 feature – all at no additional cost! You can manage Authorized User(s) spending by assigning specific Spending Limits for Purchases and Cash2 to any Authorized User(s). This way your Authorized User(s) will have access to funds they need while you monitor their spending activity on your Card. As the Primary Cardholder, you can contact us at any time to change any Authorized User(s) Spending Limits.

With this option, Authorized User(s) are able to make Purchase and Cash transactions each month up to the Spending Limits assigned to them. The dollar amount of what an Authorized User has spent under Spending Limits will be reset to zero at the end of each monthly statement period.

Call 1-800-465-4653 to add Authorized User(s) and assign Spending Limits to them. You can assign specific Spending Limits to existing Authorized Users on your Card too.

With this unique Authorized User(s) Spending Limits feature, not only will you free up your time but you will also be able to manage your overall Card spending.

Benefits of the Authorized User(s) Spending Limits Feature

This feature provides an ideal solution to:

  • Business owners who want their employees to have limited access to their business Credit Card
  • Parents who want to ensure that their children have access to limited or emergency funds
  • Anyone else added as an Authorized User(s) where limited access is required

Find comfort and peace of mind in knowing that Authorized User(s) can spend an allotted amount. Make your life a little easier by adding Spending Limits for any of your Authorized User(s) to manage your Card.

  • The Authorized User(s) can access funds any time up to their Spending Limits for Purchases and Cash2 as long as there is sufficient Available Credit on your Card
  • The Primary Cardholder will continue to receive monthly statements where Spending Limits will be shown against each Authorized User card number that is enrolled in this feature

More about Authorized User(s) Spending Limits Feature

Authorized User(s) Spending Limits for Purchases and Cash can only be assigned by the Primary Cardholder and for any limit (in $100 increments) up to your Credit Limit.

Primary Cardholders have the option to set different Authorized User(s) Spending Limits for Purchases and Cash for each Authorized User to manage their monthly spending and Cash Advances independently.

  • Please note that the Authorized User(s) Spending Limits assigned for Cash is a subset of the Authorized User(s) Spending Limits assigned for Purchases. It cannot exceed the Spending Limits assigned for Purchases
  • The Authorized User(s) Spending Limits can be changed, reset or removed at any time by the Primary Cardholder
  • For Authorized User(s) who require more than the assigned Spending Limits in a given month, the Primary Cardholder can call us to either:
    • Assign new Spending Limits to the Authorized User
    • Reset the dollar amount of what an Authorized User has spent under their existing Spending Limits

Please note: Authorized User(s) are always restricted by the Available Credit and Cash Limit on the Credit Card Account, even if the assigned Authorized User(s) Spending Limits have not yet been reached.

  • Each Authorized User will have a unique card number
  • Add up to 3 Authorized User(s) to your Credit Card Account (or up to 9 for business cards)

How to add Authorized User Spending Limits

Primary Cardholders can add Authorized User(s) Spending Limits at any time by calling the Customer Service Contact Centre at 1-800-465-4653 (Monday to Friday, 7:00 a.m. to Midnight ET; Saturday/Sunday, 7:00 a.m. to 10:00 p.m. ET).

1 The Primary Cardholder may assign and change the Authorized User Spending Limits (or Spending Limits) on the Credit Card Account to any or all Authorized Users by contacting CIBC. The “Card Spending Limits – Cash” is a limit that falls within the “Card Spending Limits – Purchases” and is not additional credit beyond the “Card Spending Limits – Purchases”. The Authorized User Spending Limits that the Primary Cardholder may assign to any one Authorized User at any one time cannot exceed the Credit Limit for the Card. CIBC reserves the right to make adjustments to the Authorized User Spending Limits for any and all Authorized Users at any time following a decrease in the Credit Limit and Cash Limit of the Card. On occasion, certain Card transactions are not processed in real time. In this situation the value of those transactions are not captured in the calculations of the Spending Limit Cash or Spending Limit Purchases. As a result, an authorized user may exceed the Spending Limit Cash or Spending Limit Purchases. 2“Cash” refers to Cash Advances, Convenience Cheques and Balance Transfers.

Capitalized terms used herein have the meaning given to them in the Cardholder Agreement.


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