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1You will receive a welcome bonus of: (a) 15,000 Aventura Points for the CIBC Aventura Visa Card for Business, or (b) 15,000 Aeroplan Miles for the CIBC Aerogold Visa Card for Business, when you make your first purchase at any time with your card. The following do not qualify as purchases: cash advances, interest, fees, balance transfers, payments, regular CIBC Convenience Cheques, Aventura Point or Aeroplan Mile redemptions. It may take up to several business days for purchases to be posted to your account. Bonus points or miles will be awarded to the primary cardholder on the first monthly statement after the qualifying purchase(s) are posted to the account. Card account must be open and in good standing at the time the Aventura Points or Aeroplan Miles are awarded. Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Aventura Visa Card for Business or a CIBC Aerogold Visa Card for Business are excluded. Offer and bonus points or bonus miles are non-transferable. Offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion. Offer may be withdrawn or changed without notice at any time.
2Earn 1.5 Aventura Points on purchases (excluding returns) at merchants classified in the Visa network as service stations/automated gas dispensers, airlines, hotels, car rental agencies, cruise lines, travel agencies/tour operators, tour buses/bus lines, local/suburban commuter passenger transportation, ferries, local water transportation, railways, limousines/cabs and certain other transportation services. This bonus Aventura points offer is only available on the first $80,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after that, net card purchases at gas and travel service merchants will earn Aventura Points at the regular rate. The $80,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant categories may change at any time without notice.
3Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). Different cards may have different coverage(s). To learn about included insurance coverage(s), and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, see www.cibc.com/ca/credit-card/agreements-insurance.html and the insurance certificate(s) in your card package. Some insurance coverage(s) require purchase(s), auto rentals, common carrier fares and other trip costs to be charged to the card to activate coverage. Other conditions may also apply. Auto Rental Collision/Loss Damage Insurance (CLDI) is available for automobile rentals of up to 48 days. The full cost of the rental must be charged to the card and the rental agency's Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) must be declined. CLDI provides coverage up to the actual cash value (ACV) of the rental vehicle as defined in your insurance certificate. Note that some car rental agencies may assess their damages at an amount greater than the ACV of the rental vehicle and you may be liable to them for the difference. Before declining the car rental company's CDW or LDW, you should read carefully and compare the terms of the rental agreement, the CLDI insurance certificate in your card package and any other insurance you own to decide which coverage best meets your protection needs. Certain RSA coverages are "excess insurance" (all other sources of insurance and recovery must be exhausted before coverage is available). For more information, call RSA toll-free at 1-866-363-3338 in Canada, continental U.S. and Hawaii or collect from elsewhere at 905-403-3338.
4Interest rates will change from time to time on at least 30 days prior notice to primary cardholders. “Cash” means cash advances, balance transfers and CIBC Convenience Cheques.
5Annual interest rate and credit limit will depend on personal credit bureau information. Annual interest rate will range between CIBC Prime Rate +1.5% and CIBC Prime Rate +13%. The card's annual interest rate is variable, meaning that it may change when CIBC's Prime Rate changes. You can find out what CIBC Prime Rate is by calling CIBC toll-free at 1-866-525-8622. 6The current annual interest rate for purchases is set at either 12.99%, 15.99% or 18.99% and the current annual interest rate for cash advances, balance transfers and Convenience Cheques is set at either 14.5%, 17.5% or 21.5%, all based on your personal credit bureau and other information at the time your application is processed. Interest rates will change from time to time on at least 30 days prior notice to primary cardholders.