† The New CIBC Smart™ Account Offer (the “Offer”) begins on November 20, 2025 at 12:01 a.m. ET (the “Offer Start Date”). The Offer is open to residents of Canada who: (i) are age 25 and older , (ii) from January 1, 2022 to the time of opening their CIBC Smart Account (the “Account”), were not a holder of any CIBC chequing account as determined by CIBC on the basis of its official records, and (iii) are not CIBC employees or retired employees.
To qualify to receive a $500 cash reward, on or after the Offer Start Date open a CIBC Smart Account and provide your email address. Within two months of opening the Account, set up and execute 1 or more recurring direct deposit(s) totaling $500 or more per month from your employer, government, or your pension, and complete at least 1 of the following 3 activities:
(i) 2 separate recurring pre-authorized debits in the same calendar month;
(ii) 5 eligible Visa Debit purchases in the same calendar month; or
(iii) 2 online bill payments of at least $50 each in the same calendar month.
The direct deposit(s) and the pre-authorized debits must recur either weekly, biweekly, monthly or twice per month and remain in effect for at least 1 year from after the month that the CIBC Smart Account was opened. Unless otherwise indicated, this offer cannot be combined with any other chequing account offer, rebate, reward, or the CIBC SmartTM Start or CIBC SmartTM for Students benefit on the CIBC Smart Account.
Cash reward will be deposited into the qualifying CIBC Smart Account within 7 months after the month you opened the Account. CIBC reserves the right to end, cancel, change or suspend this offer or change these terms for any reason without notice. Other conditions apply; review the terms and conditions (PDF, 170 KB) Opens a new window..
‡ This offer applies to the following eligible cards: CIBC Aventura® Visa Infinite* and CIBC Aventura® Gold Visa* Card. You can qualify for this offer if you apply and are approved for a new eligible card beginning July 16, 2026.
If you apply and are approved for a new eligible card, you can receive:
i. A welcome bonus of 15,000 Aventura Points when you make your first purchase.
ii. An additional bonus of 20,000 Aventura Points if you have at least $3,000 in net purchases posted to your account during the first 4 monthly statement periods.
A one-time annual fee rebate for you — the primary cardholder — and up to 3 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 annual fee rebate offer will apply in the amount of the annual fee, if any, of the alternate card. 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 the time the rebate is awarded.
Offer applies to newly approved card accounts only. Transfers and product changes from other CIBC credit cards are excluded from this offer. Card account must be open and in good standing at the time the bonus Aventura Points are awarded. Aventura Points are awarded to you within 8 weeks after all qualifying purchase(s) are posted to your account. For this offer, the following do not qualify as purchases: cash advances, CIBC Global Money Transfers™, balance transfers, CIBC Convenience Cheques, fees, interest, Aventura Points redemptions and payments. It may take up to several business days for purchases to be posted to your account. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months. This 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.
Receive one (1) statement credit up to a maximum value of $200 CAD when NEXUS application fee is charged to an eligible card, regardless of NEXUS application approval. Limit one (1) statement credit every four (4) years. You must use your eligible card to pay the NEXUS application fee. In order to be eligible for the statement credit, cardholders must be in good standing at the time the application fee is charged. CIBC has no control over the NEXUS program including, but not limited to, application approval process, enrollment, or fees charged. NEXUS eligibility requirements are determined by the Canada Border Services Agency (CBSA) and the U.S. Customs and Border Protection (U.S. CBP), and can be found on the CBSA website Opens a new window..
You will receive a rebate of up to $200 CA for your NEXUS application fee once every 4 years. Approximate rebate value of $160 CA (foreign exchange rate of 1.37 USD as of January 26, 2026).
A NEXUS◊ application fee valued at $120 US.
The $800 value is based on the maximum redemption value for 35,000 Aventura Points on a long-haul airfare purchase, before taxes and other charges, based on the Aventura Airline Rewards Chart Opens a new window..
To obtain an Airline Travel Reward using the Aventura Airline Rewards Chart, you must redeem at least 80% of the total number of Aventura Points required to purchase it. If you don’t have enough Aventura Points to purchase an Airline Travel Reward in full (but have at least 80% of the required number of Aventura Points), you may have the Centre charge an amount to your Card to cover the Points Deficit, excluding Taxes and Other Charges. If you have the Centre charge an amount to your Card to cover the Points Deficit for an Airline Travel Reward and you are advised that the Aventura Travel Reward is refundable, then, in the event of a refund, the amount previously charged to your Card will not be refunded to your Credit Card Account and instead you will receive Aventura Points equal to the Points Deficit.
** The CIBC free credit score service is a feature in the CIBC Mobile Banking® App which allows CIBC clients to subscribe to get their credit score from Equifax Canada. The Equifax credit score is based on Equifax’s proprietary model and may not be the same score used by third parties or by CIBC in certain instances to assess your creditworthiness. The provision of this score to you is intended for your own educational use. Third parties and CIBC will take into consideration other information in addition to a credit score when evaluating your creditworthiness.
You should always get the most up-to-date credit information and credit scores from Equifax Canada to ensure accuracy before making a major financial decision.
1 For clients who have more than three (3) CIBC Smart Accounts, CIBC will select which three accounts will have these benefits and/or features.
2 Each additional CIBC Smart Account (over three (3) CIBC Smart Accounts) will receive a monthly account fee rebate by maintaining a minimum end of day account balance of $4,000 each day for that month in that CIBC Smart Account.
3 The credit card must be active, meaning it should meet the minimum spend criteria of >$1 in the last 12 months.
4 Each client in Tier 2 and Tier 3 who holds an active eligible credit card account will receive an annual fee rebate, subject to the terms and conditions (PDF, 365 KB) Opens a new window.. The Tier 2 annual fee rebate is up to $50 annually for the primary cardholder. The Tier 3 annual fee rebate is up to $139 annually for the primary cardholder and up to $50 for each authorized user (up to a maximum of 3 authorized users). The credit card must be active, meaning it should meet the minimum spend criteria of >$1 in the last 12 months.
The following credit cards are eligible to qualify for annual fee rebate: CIBC Aventura® Visa Infinite*, CIBC Aventura® Gold Visa*, CIBC Dividend® Visa Infinite*, CIBC Dividend Platinum® Visa*, CIBC Aeroplan® Visa Infinite*, CIBC Aventura® Visa Infinite Privilege* and CIBC Aeroplan® Visa Infinite Privilege*. The rebate benefit is also available for cardholders with the following CIBC cards no longer available for new clients: CIBC Aventura® Mastercard® ($99), CIBC Aventura® World Mastercard®, CIBC Aventura® World Elite® Mastercard®, CIBC Aerogold® Visa* and CIBC Gold* Visa.
5 A transaction includes cheques, withdrawals, transfers, preauthorized payments, payments (including CIBC-branded loans), bill payments (including CIBC Credit Cards and CIBC Personal Lines of Credit) and debit purchases. Pre-authorized payments and transfers to CIBC-branded loans (excluding CIBC Personal Lines of Credit), mortgages and investments (registered and non-registered) are free. Payments to CIBC-branded mortgages are also free. “CIBC-branded” means any brand that has CIBC in its name and is offered by CIBC or its Canadian affiliates (and does not include CIBC Bank USA). A transaction does not include debit purchases (excluding purchases made by pre-authorized payment), including transit fares and passes, made at Canadian public transit authority merchants classified by Interac’s “Merchant Category Code” (MCC) as “Local and Suburban Commuter Passenger Transportation, including ferries”. Debit purchases (excluding pre-authorized payment purchases) made at public transit authority merchants with this classification do not incur an account transaction fee. Debit purchases made at any other merchants offering public transit services are transactions and may incur an account transaction fee depending on the type of account.
6 Each Interac e-Transfer® you send counts as a transaction for calculating your monthly fee. The $1.50 Interac e-Transfer fee for sending or requesting money is waived on CIBC Smart Accounts, the CIBC Everyday Chequing Account, and for clients who are enrolled in CIBC Smart Start, CIBC Advantage for Youth, CIBC Smart for Students, CIBC 60 Plus Advantage and CIBC Advantage for Students (on the CIBC Everyday Chequing Account). Clients 65 years of age and older do not pay the Interac e-Transfer fee on any CIBC chequing account. Interac e-Transfer service has maximum dollar limits that you can send. Learn more about Interac fees and details.
Interac e-Transfer Terms and Conditions (PDF, 135 KB) Opens a new window.. Updated November 30, 2024.
7 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 transfers and CIBC Convenience Cheques.
8 CIBC foreign exchange rates apply. A CIBC Global Money Transfer and a Foreign Exchange transaction counts towards your allowable transaction limit. Bank account transaction fees may apply. Must have a CIBC chequing account, savings account, eligible credit card or personal line of credit account to send a CIBC Global Money Transfer. Most transfers are completed within 1 to 3 business days. Only primary credit card cardholders can use their eligible credit card account to pay for the CIBC Global Money Transfer service.
Review the CIBC Global Money Transfer Agreement (150 KB, PDF) Opens a new window..
9 The free Skip+ membership offer is valid for eligible CIBC cardholders in Canada only.
In order to participate in the CIBC and Skip+ Program (the “Program”) and be eligible for the CIBC and Skip+ program offer as set out below (the “Offer”), an eligible CIBC cardholder must actively opt-in to the Program by linking their Eligible Card (as defined below) with their account (“Skip Account”) offered by SkipTheDishes Restaurant Services Inc. (“Skip”) (any such Skip Account that is linked to an Eligible Card, a “Linked Account”) through the Skip app or website.
Savings of $110 is based on the following:
• $119.88: Skip+ Membership: calculated as the regular cost of a Skip+ monthly subscription (excluding taxes) times 12 months (currently $9.99 × 12 = $119.88 in value).
Eligible CIBC cardholders can enjoy a free Skip+ membership (normally $9.99/month plus applicable taxes) as long as your Eligible Card is linked to your Skip Account and your Linked Account is active (the “Skip+ Membership”). Upon linking your Eligible Card to your Skip Account through the Skip app or website, Skip will automatically apply the free Skip+ Membership. If you are an existing Skip+ member, you may cancel your membership. After your current billing cycle or trial period ends, you may link your Eligible Card to your Skip Account, and your free Skip+ Membership will start. Skip+ members get exclusive benefits including $0 delivery fees and discounted service fees on eligible orders placed at participating merchants. For the full Skip+ terms and conditions, please visit Skip+ Conditions Opens a new window..
Existing terms of your Skip+ membership program, CIBC rewards program, credit card account and debit card continue to apply. Program may end at any time without notice. Offer may be withdrawn or changed without notice at any time, including without limitation, changes to the free Skip+ membership, the Welcome Voucher, and the Monthly Voucher. 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 suspicious activity. CIBC is not liable or responsible for any products or services offered (including memberships), made available or purchased from Skip, including any failure, delay, or inability by Skip to provide or honour such products, services, offers, or benefits. Any Skip benefits detailed herein are subject to change at any time in Skip’s sole discretion.
Trademarks
