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Turn your everyday spending into cash back2
2%2% cash back on your first $6,000 in net annual grocery purchases1
0.5%0.5% cash back on the first $6,000 in annual purchases1
1%1% cash back on all other annual purchases over $6,0001
Use the sliders to indicate your approximate monthly credit card purchases9.
Annual Fee: $0 Each Additional Card: $0 per year (3 card maximum)
Annual Interest Rate - Purchases8:
Annual Interest Rate - Cash4,8:
Cardholder Agreement, Benefits Guide and Insurance Certificates
Assign specific spending limits for purchases and cash to your authorized user(s)7 - at no cost.
Innovative tools to help you better manage and organize your credit card spending, plus protection features for greater security.
On-the-go banking 24/7 with CIBC Mobile Banking Apps for iPhone®, iPad®, Android™ and other smartphones.
Make secure credit card purchases of up to $100 at participating vendors using an eligible smartphone.
View electronic statements, make payments and transfers, increase credit limits, request additional cards and more.
Contactless payments for small purchases of up to $100: a fast, safe and convenient alternative to paying with cash.
1 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.
2 The cash back is accumulated each month, beginning with the January Visa statement, and awarded at the end of the year as a credit on the December statement. Credit card account must be open and in good standing at the time the cash back is awarded. Cash back will be credited to the primary cardholder's account.
3 Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). Different cards will have different coverage(s). To learn about which coverage(s) are included with a specific card, 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, hotel/motel and other trip costs to be charged to the card to activate coverage. Other conditions may also apply. 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.
4 Cash advances bear interest from the date they are taken from your credit card account and are subject to available credit and available cash. Cash advances do not earn cash back.
5 The CIBC Mobile Payment App is available right now for select Blackberry® smartphones and Android™ devices on the Bell, Rogers and TELUS network with an NFC SIM card from Bell, Rogers and TELUS respectively. More eligible phones and carriers will be added soon. Visit cibc.com/mobilepayment to learn more about the requirements to get started.
6 Subject to merchant transaction limits. The Authorized User Spending Limit and the CIBC Mobile Payment App features cannot be used on the same credit card account.
7 The primary cardholder may assign and change the authorized user spending limits on the credit card account for any authorized user(s) by contacting CIBC. CIBC may make adjustments to the spending limits any time following a decrease in the credit limit or cash limit of the card. The spending limits for authorized users will be subject to the overall credit limit and cash limit on the credit card account, so the funds available to an authorized user may be less than the spending limit set. An authorized user spending limit will reset monthly, or earlier if requested by the primary cardholder or if a payment on the credit card account is made by the applicable authorized user. "Cash" refers to cash advances, Convenience Cheques and balance transfers. For full details visit https://www.cibc.com/ca/credit-cards/budgeting-spend/spending-limits.html.
8 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.
9 The rewards calculator tool is only for general illustration purposes; your actual results may differ. Aeroplan Miles/Aventura Points/cash back/Tim Cash/PETRO-POINTS are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments, regular CIBC Convenience Cheques or Aeroplan Mile/Aventura Point redemptions (as applicable). For the Aerogold Visa Infinite Card, the Aventura Visa Infinite Card and the Aerogold Visa Card, 50% more Aeroplan Miles or Aventura Points on gas, grocery and drug store card purchases 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 store and gas merchants will earn Aeroplan Miles or Aventura Points at the regular rate. For the Aerogold Visa Infinite Privilege Card, 50% more Aeroplan Miles on gas, grocery and drug store card purchases is only available on the first $100,000 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 store and gas merchants will earn Aeroplan Miles or Aventura Points at the regular rate. For CIBC cash back credit cards, cash back is earned on a tiered basis and is dependent upon the net annual dollar amount spent on the card over the year to date. For details about earning and redeeming rewards, the Welcome Bonus and other card benefits, including terms and conditions, review the benefit guides found here.
10 We may withdraw approval if we become aware of any unfavourable information regarding your financial position or account status, or if you are unable to provide any additional information reasonably requested by CIBC. The application response time may take longer than 60 seconds in the event of technology issues. If you supply your email address, an application status email will be sent as soon as the technology issues are resolved. Otherwise, you will receive a response to your credit card application within 7 to 10 business days.
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