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Invest in your business

Get RDS%rate[3].BIGA.Published(null,0.0_up to_49999.99_CAD_Portion,1,6)(#O2#)% interest^‡ on new deposits into a CIBC Business Investment Growth Account^®. Limits apply.

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New! Send money abroad for a $0 transfer fee^†

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The CIBC Aventura Visa Card for Business

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Work hard, travel easy

Get up to 35,000 Aventura Points and a $120 travel credit — that's up to $920 towards your next flight — with the CIBC Aventura® Visa* Card for Business.^◊

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Private corporation tax changes

Learn about the tax rules affecting Canadian-controlled private corporations.

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Pay a lower tax rate and take advantage of income splitting when you incorporate your business.

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Available to qualified business clients only.

^†CIBC foreign exchange rates apply. A 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, savings or personal line of credit account to send a CIBC Global Money Transfer. Most transfers are completed by the next business day. However, there are times when a transfer requires 2 to 3 business days to be completed. Review the CIBC Global Money Transfer Agreement (PDF, 200 KB) Opens a new window in your browser..

^‡ This is a combined promotional and regular annual interest rate paid on new deposits made to a CIBC Business Investment Growth Account after July 31, 2019. The promotional and regular rates may change at any time without prior notice. Ask a CIBC advisor for current regular interest rates. The promotional rate is earned only on days when the end of day final balance exceeds the end of day final balance on July 31, 2019, and only on the portion of the deposited amounts in excess of the July 31, 2019, end of day final balance. The promotional rate is earned on the first $10,000,000 in excess of the July 31, 2019, end of day final balance. Balances in excess of $10,000,000 will receive regular annual interest only. If multiple CIBC Business Investment Growth Accounts are owned by a client, all account balances will be aggregated, for the purpose of calculating promotional interest. Promotional interest rate offer expires November 30, 2019. Interest is calculated daily on the end of day balance and paid monthly. Other conditions apply. Read the full Promotional Offer Terms and Conditions (PDF, 35 KB) Opens a new window in your browser..

^◊ You must apply and be approved for a new eligible card between March 1, 2019 and June 30, 2019 to qualify for this offer.

If you apply and are approved for a new card, you can receive:

i. A welcome bonus of 20,000 Aventura Points when you make your first purchase at any time with your card.

ii. An additional bonus of 15,000 Aventura Points if you have at least $3,000 in net purchases posted to your account during the first 4 monthly statement periods. For this bonus, the following do not qualify as purchases: cash advances, 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. Aventura Points are awarded to you within 8 weeks after all qualifying purchase(s) are posted to your account. Card account must be open and in good standing at the time the bonus Aventura Points are awarded.

iii. A $120 travel credit. The $120 travel credit can be used in a single transaction towards flight, hotel, car rental and vacation package bookings made using your CIBC Aventura Visa Card for Business and towards taxes and fees. The $120 travel credit can also be used towards a travel booking charged to your CIBC Aventura Visa Card for Business Plus and in conjunction with any rewards purchase or redemption of Aventura Points. If the value of your booking is less than $120, you forfeit the balance of your travel credit. Only the primary cardholder or a delegate can use the travel credit. To apply the travel credit, you must call an Aventura Travel Assistant at 1-888-232-5656; the travel credit cannot be applied or used for online bookings. The $120 travel credit offer cannot be combined with any other CIBC credit card products offering a travel credit. Your account must be in good standing at the time of booking to take advantage of the travel credit. Unused credits will expire on June 30, 2020.

Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to any CIBC Aventura^® Visa* Card for Business (regardless of the $120 or $180 annual fee) are excluded. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. 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.

The $920 value is based on the following:

iv. $120 travel credit as disclosed in the offer Terms and Conditions as provided above in footnote (iii) and;

v. $800 value is based on the maximum redemption value for 35,000 Aventura Points on a short haul airfare purchase, based on the Aventura Airline Rewards Chart at www.cibcrewards.comOpens a new window in your browser., before taxes and other charges, as at March 1, 2019.