General Conditions for all Offers:
This offer only applies to eligible cards and to the primary cardholder only.
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This offer may be withdrawn or changed without notice at any time.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.
Your new credit card account must be open and in good standing at the time the rebate, additional welcome bonus or other offer is awarded. If you believe you have met all of the conditions but don’t see the rebate or additional welcome bonus on your statement, please contact us at 1-800-465-4653Opens your phone app..
General Conditions for all Fee Rebate Offers:
If you qualify and are approved for an eligible credit card, CIBC will rebate the annual fee for the primary cardholder and the authorized users (to the maximum number noted above in the offer details) added at the time of application.
This offer does not apply to annual fees for authorized users that you add after you submit your application.
If you qualify, the rebate will appear as a credit against the applicable annual fee(s) within the first 2 monthly statements.
General Conditions for all Additional Offers:
You will receive the additional bonus (in the amount noted above in offer details) if you have at least the minimum required amount (noted above in offer details) in net purchases, which will be awarded to you within 8 weeks after the qualifying purchase(s) are posted to your account.
Purchases do not include cash advances, interest, fees, balance transfers, payments, CIBC Convenience Cheques or Aventura Points/Aeroplan® Miles redemptions.
Card/Offer: Mortgage Offer (CIBC Aventura® Gold Visa* Card, CIBC Dividend® Platinum Visa* Card or CIBC Select Visa* Card)
First Year Annual Fee Rebate:
For primary cardholder.
Additional Welcome Bonus:
None.
Additional Terms:
Only available at the time you apply for an eligible CIBC mortgage product through CLASS (Consumer Loan Application Sub-System), Mortgage Advisors or FirstLine® Mortgages.
Card/Offer: New Branch Offer — any personal credit card
First Year Annual Fee Rebate:
For primary cardholder.
Additional Welcome Bonus:
None.
Additional Terms:
Only available for applications submitted through (a) any new CIBC branch location which has been open for business and operating in Canada for less than 14 months, or (b) any existing CIBC branch location that has expanded and/or moved to a new CIBC branch location which has been open for business and operating in Canada for less than 14 months.
Card/Offer: CIBC U.S. Dollar Aventura® Gold Visa* Card
Additional Welcome Bonus:
2,500 Aventura Points when you make your first purchase.
Additional Terms:
You must apply and be approved between March 2, 2020 and October 31, 2020.
Card/Offer: CIBC Aventura Visa* Infinite Card, CIBC Aventura Gold Card
First Year Annual Fee Rebate:
For primary cardholder.
Additional Welcome Bonus:
5,000 Aventura Points when you have at least $3,000 in net purchases posted to your account during the first 4 monthly statement periods.
Additional Terms:
You must apply and be approved between June 2, 2020 and October 31, 2020.
Card/Offer: CIBC Aerogold® Visa* Infinite Card
First Year Annual Fee Rebate:
For primary cardholder.
Additional Welcome Bonus:
5,000 Aeroplan Miles when you have at least $3,000 in net purchases posted to your account during the first 4 monthly statement periods.
Additional Terms:
You must apply and be approved between June 2, 2020 and October 31, 2020.
Card/Offer: CIBC Dividend Visa* Infinite Card, CIBC Dividend Visa* Platinum Card
First Year Annual Fee Rebate:
For primary cardholder.
Additional Terms:
You must apply and be approved between June 2, 2020 and October 31, 2020.
Card/Offer: CIBC Dividend Visa* for Students.
Additional Welcome Bonus:
$25 cash back on first purchase. Cash back is awarded at the end of the year as a credit on your December statement.
Additional Terms:
You must apply and be approved between March 2, 2020 and October 31, 2020.
Card/Offer: CIBC Aventura® Visa* Card for Business ($180)
First Year Annual Fee Rebate:
For primary cardholder.
Additional Welcome Bonus:
15,000 Aventura Points if you have at least $3,000 in net purchases during the first 4 monthly statement periods.
Additional Terms:
You must apply and be approved between March 2, 2020 and October 31, 2020.
Card/Offer: CIBC Aventura Visa* Card for Business ($120)
First Year Annual Fee Rebate:
For primary cardholder.
Additional Welcome Bonus:
15,000 Aventura Points if you have at least $3,000 in net purchases during the first 4 monthly statement periods.
Additional Terms:
You must apply and be approved between March 2, 2020 and October 31, 2020.
Card/Offer: CIBC Aerogold® Visa* Card for Business
First Year Annual Fee Rebate:
For primary cardholder.
Additional Welcome Bonus:
15,000 Aeroplan Miles if you have at least $3,000 in net purchases within the first 4 monthly statement periods.
Additional Terms:
You must apply and be approved between March 2, 2020 and October 31, 2020.
Professional Student Offer — CIBC Aventura Visa* Infinite Card, CIBC Aventura Gold Visa* Card, CIBC Aerogold Visa* Infinite Card, CIBC Aero Platinum™ Visa* Card, CIBC Dividend Visa* Infinite Card, CIBC Dividend Platinum® Visa Card, CIBC U.S. Dollar Aventura Gold Visa* Card
Four Year Annual Fee Rebate:
Annual fee rebate for primary cardholder on the anniversary month statement period each year for the first 4 years, for a total of 4 annual fee rebates.
Additional Welcome Bonus:
None.
Additional Terms:
You must apply and be approved between March 2, 2020 and October 31, 2020.
Professional Offer – CIBC Aventura Visa* for Business, CIBC Aerogold Visa* for Business (Accounts opened between January 26, 2020 and October 31, 2020)
Continuous Annual Fee Rebate:
For primary cardholder and up to 3 authorized users.
Additional Welcome Bonus:
15,000 Aventura Points/Aeroplan Miles, as applicable, if the Credit Card Account has at least $3,000 in net purchases posted to it during the first 4 monthly statement periods.
Additional Terms:
See detailed terms and conditions below as well as General Conditions below. You must apply and be approved between January 26, 2020 and October 31, 2020 to qualify for this offer.
You must apply through a CIBC Banking Centre. Offer available only at the time of application.
CIBC will provide an annual fee rebate on any eligible credit card account for the primary cardholder and up to three authorized users every year if, at the time the annual fee(s) are charged: (i) the Business is classified under the Standard Industrial Classification (SIC) as an office of physicians, general practice (8651), an office of physicians and surgeons, specialties (8652), offices of optometrists (8666), Office of Dentists general practice (8653) or Office of Dentists and specialties (8654); (ii) the eligible credit card account is open and in good standing at the time the rebate is awarded; and (iii) the Business is registered and located in Canada.
The rebate is equal to 100% of the annual fee for the eligible credit card account plus 100% of the annual fee(s) for any additional cards under such eligible credit card account.
This offer only applies to eligible credit card accounts used for business purposes only in accordance with the CIBC Business Cardholder Agreement (Personal Liability).
If and when the credit card account is no longer in good standing or the Business does not meet the eligibility requirements of this offer or the credit requirements per CIBC’s credit policy, the primary cardholder and the Business will be charged the regular applicable annual fee(s) for the credit card account and any additional card 12 months after the annual fee was last charged to the primary cardholder.
Professional Offer — CIBC Aventura Visa* for Business, CIBC Aerogold Visa* for Business (Accounts opened before January 26, 2020)
Continuous Annual Fee Rebate:
For primary cardholder.
Additional Terms:
See detailed terms and conditions below, as well as General Conditions for all Offers below.
CIBC will provide an annual fee rebate on any eligible credit card account for the primary cardholder and up to three authorized users every year if, at the time the annual fee(s) are charged: (i) the Business is classified under the Standard Industrial Classification (SIC) as an office of physicians, general practice (8651), an office of physicians and surgeons, specialties (8652), offices of optometrists (8666), Office of Dentists general practice (8653) or Office of Dentists and specialties (8654); (ii) the eligible credit card account is open and in good standing at the time the rebate is awarded; and (iii) the Business is registered and located in Canada.
The rebate is equal to 100% of the annual fee for the eligible credit card account plus 100% of the annual fee(s) for any additional cards under such eligible credit card account.
This offer only applies to eligible credit card accounts used for business purposes only in accordance with the CIBC Business Cardholder Agreement (Personal Liability).
If and when the credit card account is no longer in good standing or the Business does not meet the eligibility requirements of this offer or the credit requirements per CIBC’s credit policy, the primary cardholder and the Business will be charged the regular applicable annual fee(s) for the credit card account and any additional card 12 months after the annual fee was last charged.
If you qualify for the rebate, the rebate will be awarded to you and will appear as a credit within two statements.
Card/Offer: CIBC Aventura® Visa* Card for Students
Additional Welcome Bonus:
2,500 Aventura Points when you make your first purchase.
Additional Terms:
You must apply and be approved between March 2, 2020 and October 31, 2020.
Card/Offer: CIBC Select Visa* Card
First Year Annual Fee Rebate:
For primary cardholder
Additional Welcome Bonus:
Introductory Rate Balance Transfer for 10 months at 0% with 1% fee.
Additional Terms:
You must apply and be approved between June 2, 2020 and October 31, 2020
Offer available only at the time of application.
If you apply and are approved for a new CIBC Select Visa* Card, you can receive 0% interest for up to 10 statement periods from the date of application on any balances transferred if: your account is in good standing at the time the balance transfer is processed AND the balance transfer amount is at least $1. Otherwise, the regular annual interest rate for cash advances will apply to the balance transfer amount. If the balance transfer amounts exceed your approved credit limit determined by CIBC at the point of credit application, it will not be processed. Once you take advantage of this offer, you will have a promotional rate balance on your account. As a result, you will lose your interest-free grace period on new purchases unless you pay your entire balance, including any promotional rate balances, in full each month. While you will enjoy the promotional rate on the balances that you add by using this offer, new purchases will be subject to interest.
If you do not pay your required payment by the payment due date in any month during the promotional period, you will lose the benefit of this promotional interest rate offer and, effective the first day of the next monthly statement period, the regular annual interest rate for cash advances will apply to any remaining balance transfer amounts. Required Payment means $10 plus any interest and fees (not including the annual fee) plus any past due amounts. For non-Quebec resident personal cardholders only, Required Payment means $10 plus any interest (excluding Installment Plan interest) and fees (excluding the annual fee) plus any past due amounts. For all Quebec residents, Required Payment means your Percent of Amount Due (as defined in your CIBC Cardholder Agreement) plus any past due amounts. For all cardholders, if your Balance (excluding Installment Plans, if applicable) is under $10, that amount is your Required Payment.
Balance transfers are processed in Canadian dollars and cannot be converted to other currencies.
The promotional interest rate is charged on balance transfer amounts from the date they are posted to your account until the end of the offer period stated on your Summary of Rates and Fees. Your Summary of Rates and Fees and CIBC Cardholder Agreement will arrive in your welcome package. After the promotional period, any remaining balance transfer amounts will be charged interest at the regular annual interest rate for cash advances, until the amount is repaid in full. During the promotional period, the regular annual interest rate for purchases will apply to purchase transactions and the regular annual interest rate for cash advances will apply to balance transfer(s) that do not qualify for the promotional interest rate. For more information on how interest is calculated, please refer to your CIBC Cardholder Agreement.
A fee of 1% of the balance transfer amount will be charged to your account when the balance transfer amount is posted. If you do not pay off your balance in full by the due date, interest will be charged on the fee at the regular annual interest rate for purchases from the date the fee is posted to your account.
You will not be approved for a balance transfer amount that exceeds your assigned cash limit or is greater than 50% of your assigned credit limit.
If a balance transfer amount plus the balance transfer fee results in you exceeding your available credit or available cash limit, we may not approve the balance transfer, and may charge you a dishonoured balance transfer fee, or we may honour the balance transfer at the regular annual interest rate for cash advances and charge you an applicable over-limit fee. See your Summary of Rates and Fees. No partial balance transfer amount will be applied.
Payments will be applied to your account as set out in the "Application of Payments" section of your CIBC Cardholder Agreement and these terms and conditions. You cannot choose to apply your payments to your regular annual interest rate balances and leave your promotional interest rate balance transfer balances outstanding. For personal cardholders only: If you make a payment greater than your minimum payment, the excess amount is allocated to your regular annual interest rate balances and your promotional interest rate balance transfer balances in the proportion that each represents of the remaining balance. For example, if you have a regular annual interest rate purchase balance of $800 and a promotional interest rate balance transfer of $200, 80% of your payment will be allocated to your regular annual interest purchase balances and 20% will be allocated to your promotional interest rate balance transfer balances. If there are two or more promotional interest rate balance transfers with the same promotional interest rate, the excess amount allocated to your promotional interest rate balance transfers will be allocated to those balance transfer balances based on the expiry date of the promotional offer, starting with the promotional interest rate offer that will expire first. For example, if your account has promotional interest rate balance transfers with the same promotional interest rate that will expire in January, February and March in the same year, then that portion of your excess amount will first be allocated to the balance transfer that will expire in January, then to the balance transfer amount that will expire in February and, lastly, to the balance transfer that will expire in March.
Interest on the balance transfer amount may be charged on both your CIBC account and the non-CIBC account(s) from which you are transferring a balance until the transferred amount is credited to the non-CIBC account(s). You are responsible for any payments due on the non-CIBC account(s) from which you are transferring a balance. Balance transfer(s) do not result in the cancellation of your non-CIBC account(s). Balance transfers cannot be used to make a payment on any other CIBC credit card or loan product and do not qualify to earn loyalty points, rebates or cash back rewards. You cannot dispute balance transfer transactions.
Promotional interest rate offer is available on select credit card accounts and is not transferable.
We may make changes to these terms and conditions at any time with or without prior notice unless advance notice is required by law. CIBC may notify you of such changes by sending a notice in accordance to the terms of your CIBC Cardholder Agreement.
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.
* Trademark of Visa Int., used under license.
Aerogold and Aeroplan are registered trademarks of Aeroplan Inc. used under license.
“FirstLine” is a registered trademark of CIBC Mortgages Inc., used under license by CIBC.
All other trademarks are owned by CIBC or related entities.