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Looking for your first CIBC premium travel reward or cash back card? Act now and get a first year annual fee rebate.

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Interest rates will change from time to time on at least 30 days prior notice to the primary cardholder. "Purchase" means card purchases less returns and does not include: cash advances, interest, fees, balance transfers, payments and CIBC Convenience Cheques. "Cash" means cash advances, balance transfer and CIBC Convenience Cheques.

You are eligible for this annual fee rebate offer only if you apply and are approved for your first CIBC credit card. If you are a current or former CIBC cardholder, we may approve your application but you will not be eligible for the offer.

This offer applies to the following eligible cards: CIBC Aventura® Visa Infinite* Card, CIBC Aventura® Gold Visa* Card, CIBC Aventura® Visa* for Business, CIBC Dividend® Visa Infinite* Card and CIBC Dividend Platinum® Visa* Card. If you apply and are approved for a new eligible card between November 1, 2017 and February 28, 2018, CIBC will rebate the annual fee for you (the primary cardholder) and up to three authorized users added at the time of the application. This offer does not apply to annual fees for authorized users that are added after you submit your application. This offer applies for the first year only. If your application for an eligible card is not approved, you may be considered for another card (as disclosed in your credit card application). If you are approved for that card, this rebate offer will still apply. If you qualify, the rebate will be awarded to you and will appear as a credit against the applicable annual fee(s) within two statements. Your new credit card account must be open and in good standing at time the rebate is awarded. This offer is not transferable and cannot be combined with any other offer. This offer does not apply to transfers from another credit card account. This offer may be withdrawn or changed without prior notice at any time. CIBC may, in its sole discretion, disqualify, limit or revoke this offer if you are believed to be abusing or manipulating it, or engaging in any suspicious or fraudulent activity.

2 Aeroplan Miles are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments or Convenience Cheques. Taxes, landing and departure fees and other charges and surcharges may apply to Aeroplan reward travel. Aeroplan partners, rules and regulations are subject to change without notice, please refer to aeroplan.com. Aeroplan Miles will be awarded only if your CIBC Aerogold Visa for Business account is in good standing on the monthly statement date (otherwise Aeroplan Miles are cancelled).

3 Aventura Points are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments, regular CIBC Convenience Cheques or Aventura Points redemptions. Aventura Rewards and Program Terms may change without notice. Taxes, fees and surcharges may apply to Rewards. Aventura Points earned on purchases during a monthly statement period may not be credited to you if your card is not in good standing at any time during the monthly statement period.

4 Interest rates will change from time to time on at least 30 days prior notice to primary cardholders. “Cash” means cash advances, balance transfers and convenience cheques.

5 The 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.

6 Earn 1.5 Aventura Points on purchases (excluding returns) at merchants classified in the credit card network as grocery stores, service stations/automated gas dispensers or drug stores. 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 grocery, drug stores and gas 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 without notice.

7 Earn 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.

8 Earn 1.5 Aeroplan Miles on purchases (excluding returns) at merchants that are classified in the Visa network as grocery stores, service stations/automated gas dispensers or drug stores and aircanada.com excluding Air Canada Vacation packages. This bonus Aeroplan Miles 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 these merchants will earn Aeroplan Miles 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.

9 Earn 4% cash back on purchases (excluding returns) at merchants classified by the credit card network as grocery stores or service stations/automated gas dispensers. Earn 2% cash back on purchases (excluding returns) at merchants identified as TELUS or Tim Hortons merchants by the merchant payment terminal. Some TELUS and/or Tim Hortons locations may be identified as other merchants by the merchant payment terminal. All other purchases earn 1% cash back. The 4% and 2% cash back offers are only available on the first $80,000 in net annual card purchases (meaning all card purchases by all cardholders, at any type of merchant) or $20,000 on gas, grocery, TELUS or Tim Hortons purchases on your account, whichever comes first; after that, net card purchases at all merchants, including grocery stores, service stations/automatic gas dispensers, TELUS or Tim Hortons will earn cash back at the regular rate of 1%. The $80,000 limit and the $20,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant/merchant categories may change without notice. Cash back is earned on card purchases less returns and not on cash advances, interest, fees, balance transfers, payments and regular CIBC Convenience Cheques.

Credits for returns made on your account may result in a deduction of cash back at a higher earn rate, even though the return may relate to a purchase that earned cash back at a lower rate.

10 Cash back is earned on a tiered basis on card purchases less returns and not on cash advances, interest, fees, balance transfers, payments or CIBC Convenience Cheques. Cash back is calculated as follows: on the first $6,000 in net annual card purchases excluding grocery on your account, the cash back earned is 0.5%; on amounts greater than $6,000 in net annual purchases excluding grocery the cash back earned is 1%.

Earn 2% cash back on purchases (excluding returns) at merchants classified by the credit card network as grocery stores. All other purchases earn cash back at the regular tiered rate. The 2% cash back offer is only available on the first $6,000 in net annual card purchases at grocery merchants on your account; after that, net card purchases at grocery merchants will earn cash back at 1%. The $6,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant categories may change without notice.

Credits for returns made on your account may result in a deduction of cash back at a higher earn rate, even though the return may relate to a purchase that earned cash back at a lower rate.

11 Tim Cash is earned on all CIBC Tim Hortons Double Double Visa Card credit purchases less returns, and not on cash advances, interest, fees, balance transfers, payments, CIBC Convenience Cheques or Tim Cash redemptions. Double Double Visa Card program may change without notice. Taxes, fees and other charges may apply to redemption of Tim Cash. Tim Cash is awarded to the primary cardholder’s Tim Card® Account immediately upon processing of CIBC Tim Hortons Double Double Visa Card credit purchases, provided that your card is open in good standing at the time of purchase. An amount equal to the Tim Cash earned for credit purchases that are later reversed for returned merchandise, purchase credits or other amounts will be debited from future credit purchases made on your CIBC Tim Hortons Double Double Visa Card. See Program Terms for details.

12 You will receive a welcome bonus of $20 in Tim Cash if you have at least $200 in credit purchases on your CIBC Tim Hortons Double Double Visa Card. Welcome bonus will be awarded to the primary cardholder’s Tim Card® Account, provided your card account is open and in good standing at the time the Tim Cash is awarded. Offer is 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 cannot be combined with any other offer and may be withdrawn or changed without notice at any time.

13 You are eligible for this offer only if you apply and are approved for your first CIBC credit card. If you are a current or former CIBC cardholder, we may approve your application but you will not be eligible for the offer. This offer applies to the following eligible card: CIBC Aerogold® Visa Infinite Privilege* Card (“Eligible Card”). If you apply and are approved for a new Eligible Card between November 1, 2017 and February 28, 2018, you will receive a Welcome Bonus of 25,000 Aeroplan Miles after you make your first purchase at any time with your Eligible Card. You will also receive additional 25,000 Aeroplan Miles if you have at least $1,000 in net Eligible Card purchases within the first 3 monthly statement periods. Purchase means card purchases less returns and does not include: cash advances, interest, fees, balance transfers, payments, CIBC Convenience Cheques or Aeroplan Miles redemptions. Aeroplan Miles are awarded to the primary cardholder within 8 weeks after the qualifying purchase(s) are posted to the account. It may take up to several business days for purchases to be posted to your account. Eligible Card account must be open and in good standing at time Aeroplan Miles are awarded. Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to an Eligible Card are excluded. The offer is non-transferable. CIBC may, at any time and without prior notice to you, change the offer or any of the Terms and Conditions at any time. CIBC reserves the right, in its sole discretion, to disqualify, limit or revoke this offer in respect of any CIBC customer who it determines or believes is abusing or manipulating this offer, or is engaged in any suspicious or fraudulent activity.

14 You are eligible for this offer only if you apply and are approved for your first CIBC credit card. If you are a current or former CIBC cardholder, we may approve your application but you will not be eligible for the offer.

This offer applies to the following Eligible Cards: CIBC Dividend® Visa Infinite* Card and CIBC Dividend Platinum® Visa Card (“Eligible Card”). If you qualify and are approved for an Eligible Card between November 1, 2017 and February 28 2018, you will receive 4% cashback on the net purchases posted to your account within the first 4 monthly statement periods or $5,000 in total net purchases (equal to $200 cash back), whichever comes first.

If this promotional rate of 4% applies to any purchase, then the regular cash back rate(s) do not apply. Cash back is earned on purchases less returns and credits. Non-purchase transactions like interest, fees, and balance transfers do not earn cash back. The cash back is accumulated each month and will appear on your statement no later than the month after it is earned. Cash back is awarded at the end of the year as a credit on your December statement. This offer is not transferable and cannot be combined with any other offer. This offer does not apply to transfers from another credit card account. If your application for an Eligible Card is not approved, you may be considered for another card (as disclosed in your credit card application). If that other card is not an Eligible Card, this offer will not apply. This offer may be withdrawn or changed without notice at any time. CIBC may, in its sole discretion, revoke this offer if you are believed to be manipulating or abusing it, or engaging in any suspicious or fraudulent activity.

15 Worth up to $400. You will receive a Welcome Bonus of 20,000 Aventura Points for the CIBC Aventura Visa Card for Business when you make your first purchase at any time with your card. Plus, you will receive an additional bonus of 10,000 Aventura Points for the CIBC Aventura Visa Card for Business, if you have at least $1,000 in net Eligible Card purchases within the first 3 monthly statement periods. The following do not qualify as purchases: cash advances, interest, fees, balance transfers, payments, CIBC Convenience Cheques or Aventura Point redemptions. It may take up to several business days for purchases to be posted to your account. Bonus points 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 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 are excluded. Offer and bonus points 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.

*Trademark of Visa Int., used under license.

The Contactless Indicator is a trademark of EMV Co. LLC .

Tim Hortons®, Tim Card®, Tim Cash & Double Double are trademarks of Tim Hortons.

The CIBC logo is a registered trademark of CIBC. All other trademarks are owned by CIBC or related entities.