† This offer applies to the following eligible cards: CIBC Aventura® Visa Infinite* and CIBC Aventura® Gold Visa* Card. You must apply and be approved for a new eligible card beginning March 14, 2022 to qualify for this offer. In order to be eligible for this offer, a client must abide by the terms and conditions set out as provided in footnotes below.
If you apply and are approved for a new eligible card, you can receive:
i. A welcome bonus of 15,000 Aventura Points
ii. Additional bonus of 5,000 Aventura Points
To qualify for the additional 1,250 bonus Aventura Points for each statement period, you must have at least $1,000 in net purchases posted to your account by the last day of each statement period. Purchases made during a statement period but posted after the end of that statement period will not count towards eligible spend for that month. If this occurs, that purchase will count towards eligible spend for the next statement period. For example, if your statement period is from November 8 to December 7, a purchase made on December 7 (transaction date) that is posted on December 8 (posting date) will not count for eligible spend for the December statement period. In this case, that purchase will count towards spend in the January statement period. If the November 8 to December 7 period was your 12th statement period, then the purchase made on December 7 and posted on December 8 would not count toward this offer.
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 time the rebate is awarded.
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Aventura® Visa Infinite* Card or CIBC Aventura® Gold Visa* Card are excluded. 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. 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.
1 Approval is subject to applicants meeting CIBC’s normal lending criteria. Credit limit is determined by CIBC, in its sole discretion. Part-time students are eligible for reduced credit limits determined by CIBC. In cases where an applicant's credit history is limited, a qualified guarantor may be required.
Ongoing access to the Professional Edge® Student Personal Line of Credit and monthly fee rebate on the CIBC Smart™ Plus Account is subject to annual proof of enrolment, among other things as determined by CIBC in its sole discretion.
The $1,800 savings is equivalent to the monthly fee for the CIBC Smart Plus Account and the annual fee for the CIBC Aventura® Gold Visa* Card over 4 years.
The $1,400 savings are equivalent to the monthly fee for the CIBC Smart Plus Account over 4 years.
The $480 savings is equivalent to the annual fee for the CIBC Aventura Gold Visa Card over 4 years.
2 CIBC Prime means the variable interest rate determined by CIBC from time to time to be the CIBC Prime rate for Canadian dollar lending products. CIBC Prime rate may change without notice. Your interest rate will vary whenever CIBC Prime rate varies and/or whenever we change your variable interest rate in our sole discretion. CIBC Prime rate is RDS%rate[1].PRIME.Published(null,null,null,null)(#O2#)%] on RDS%SYSTEM_DATE(#M# #d#, #Y#)%. Refer to the current CIBC Prime Rate.
The CIBC Prime minus 0.25% rate is only eligible for Canadian citizens that are studying at an accredited medical, dental or optometry school. Proof of enrolment and citizenship required.
3 Continue to pay interest only on the Professional Edge Student Personal Line of Credit, up to 24 months after graduation from an accredited Canadian medical or dental school, or up to 12 months after graduation, residency or articling from other qualified CIBC Professional Edge studies.
If you leave your program without graduating, your CIBC Professional Edge Student Line of Credit will automatically convert to a CIBC Personal Loan with set principal and interest payments. Additional conditions and restrictions apply. Products and their features may change at any time.
4 Provided you apply and are approved for a Professional Edge Student Line of Credit. Eligible programs include: medical and dental. If you have a Professional Edge Student Line of Credit, the CIBC Overdraft Protection Service (COPS) fee isn’t applicable. However, you’ll pay interest on any overdraft amount on your account and over limit fees if applicable.
5 A transaction includes cheques, withdrawals, transfers, pre-authorized payments, bill payments (including CIBC credit cards and CIBC personal lines of credit) and debit purchases. For CIBC eAdvantage® Savings Accounts, a transaction doesn’t include transfers to your other CIBC bank account(s) using the transfer function on CIBC Online Banking®, the CIBC Mobile Banking® App, CIBC Telephone Banking and at CIBC ATMs. For all accounts, transfers to CIBC-branded loans (excluding CIBC Personal Lines of Credit), mortgages and investments (registered and non-registered) are free. “CIBC-branded” means any brand that has CIBC in its name and is offered by CIBC or its Canadian affiliates (and doesn’t include CIBC Bank USA). Other fees (in addition to any transaction fee) include: withdrawals from non-CIBC bank machines (rebated for CIBC Smart™ Plus Accounts except the 2.5% administration fee on the converted amount of foreign currency ATM withdrawals), wire payments, Interac e-Transfer® transactions (the Interac e-Transfer fee is waived for CIBC Smart Accounts, CIBC Smart Plus Accounts and for clients who are enrolled in CIBC Advantage for Youth, CIBC Smart for Students, CIBC Smart for Seniors (on the CIBC Smart Account) and CIBC Advantage for Students (on the CIBC Everyday Chequing Account)) and transactions in foreign currency (including cheques written in currencies other than the account currency).
6 The additional $1.50 service fee is waived for sending Interac e-Transfer transactions. Maximum dollar amount applies for Interac e-Transfer transactions. For details, review the CIBC Interac e-Transfer Terms and Conditions (PDF, 285 KB) Opens in a new window.
7 Fees charged by other financial institutions or third parties for using their ATMs, and the 2.5% administration fee on the converted amount for foreign currency ATM withdrawals aren’t included in this feature and will be charged to your account. ATM withdrawal amounts may be limited to a maximum dollar withdrawal amount.
8 Bundle with a CIBC Professional Edge Student Line of Credit to get this offer. Eligibility is limited to students in the following programs: medical, dental, law, optometry, pharmacy and veterinary studies. For more information about eligible cards, visit CIBC.comOpens a new window in your browser..
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