Trademarks
† CIBC Business Operating Account® Cash back and Aventura® Visa* Card for Business Offer
Get value of up to $2,600 with CIBC Business Banking:
- Get $400 cash back with a new eligible CIBC Business Operating Account
- Join CIBC Aventura® Visa* Card for Business and earn up to $2,200 in value
The CIBC Business Operating Account offer, and Aventura Visa Card for Business Offer presented together constitute distinct and independent offers. Except where expressly set out in the applicable terms and conditions, neither offer is conditional upon, linked to, or dependent on the other, and customers are not required to obtain, maintain, or qualify for one offer in order to obtain, maintain, or qualify for the other.
‡ CIBC Business Operating Account $400 Cash back offer:
1. Offer period: The CIBC Business Operating Account $400 cash back offer begins on September 8, 2026. The offer ends on November 30, 2026.
2. Eligibility: To be eligible to receive the $400 cash back(the “Reward”), you must meet the following criteria:
- You must be a permanent Canadian resident operating an Eligible Business.
- You must be of the age of majority, and not a CIBC employee or retiree.
- Open your first Business Operating Account between September 8, 2026, and November 30, 2026.
- Must not hold, either solely or jointly, any other CIBC Business Operating Account on or before September 7, 2026.
- Keep the account open and in good standing.
- Once the eligible Business Operating Account is opened, you must complete at least three of the following activities (the "Eligible Transactions"), with the new Business Operating Account within six months of account opening:
- Send or receive one Interac e-Transfer® of at least $50 using Online Banking or Mobile Banking.
- Set up a recurring Direct Deposit, with the first deposit posted to the new eligible Business Operating Account within six months of account opening. The recurrence must occur either weekly, biweekly, monthly, or twice per month.
- Set up a recurring Pre-Authorized Debit, with the pre-authorized debit posted to the new Business Operating Account within six (6) months of account opening. The recurrence must occur either weekly, biweekly, monthly, or twice per month.
- Make an Online Bill Payment of at least $50 using CIBC Online Banking® or CIBC SmartBanking™ for Business
3. Additional conditions that apply:
- Only one CIBC Business Operating Account cash back per business client, regardless of the number of products opened or number of co-owners.
- Offer cannot be combined with other CIBC offers.
- The Reward must be accepted as awarded.
4. General terms and conditions
- This offer can end at any time without notice. CIBC reserves the right to end, cancel, withdraw, extend or change the terms of this offer at any time, at its sole discretion and without notice for any reason, and to revoke, limit or suspend the offer for any person who appears to be manipulating or abusing the offer or is engaged in any suspicious or fraudulent activity.
- This cash back offer and these terms do not impact the service fees or charges which may apply to CIBC products. Monthly account fees will automatically be applied to the CIBC Business Operating Account. A monthly fee applies even if there is no activity in your account. Other fees may apply to the operation of your account. To learn more, refer to the Business Account Service Fees brochure (PDF, 245 KB) Opens a new window..
- In order to receive the Reward, the CIBC Business Operating Account opened in connection with the offer must remain open and be in compliance with the operating account agreement terms and conditions. If the CIBC Business Operating Account is closed for any reason prior to or during the period that the cash back is being applied, then standard account closure fees may apply, and you may not receive the cashback.
- You are responsible for any tax consequences (if any) arising out of receiving benefit of the Reward.
- CIBC will credit the Reward in the client’s eligible Business Operating Account 6–8 weeks after the end of the six-month period following account opening.
- Approval and opening of the CIBC Business Operating Account are subject to the results of the credit check and CIBC’s internal policies. CIBC reserves the right to decline an application based on the outcome of the credit assessment.
- This offer is not transferrable.
5. Definitions
- “eligible Business Operating Account” means one of the following accounts:
- CIBC Basic Business Operating Account®
- CIBC Everyday Business Operating Account®
- CIBC Advanced Business Operating Account®
- CIBC Unlimited Business Operating Account®
- “Eligible Business” means a business registered in Canada or a business operating in Canada by a person who is a permanent resident of Canada.
- “you” or “your” means any Eligible Business. “we”, “us”, “our” and “CIBC” mean Canadian Imperial Bank of Commerce.
6. Our Process for Resolving Your Complaints
If you have any concerns about your dealings with CIBC, we encourage you to follow our complaint handling process. Full details, including how to contact us in writing, are available at the CIBC complaints’ page Opens a new window. and in the Our Service Commitment to You brochure, available online or at any CIBC banking centre.
◇ CIBC Aventura® Visa* Card for Business offer:
To qualify for this offer, applications for a new CIBC Aventura® Visa* Card for Business must be submitted and approved beginning August 1, 2026.
In order to be eligible for this offer, client must abide by the terms and conditions set out in this footnote.
If an application for a new CIBC Aventura® Visa* Card for Business is submitted and approved, the Primary Cardholder can receive:
a) A welcome bonus of 20,000 Aventura Points after the first purchase is made at any time on the Credit Card Account.
b) An additional bonus of 50,000 Aventura Points if you have at least $40,000 in net purchases posted to the Credit Card Account during the first 12 monthly statement periods.
c) An annual fee rebate for the first two years for the Primary Cardholder and up to nine (9) Authorized Users set up at the time of the application.
Offer applies to newly approved Credit Card Accounts; transfers from another CIBC credit card to any CIBC Aventura® Visa* Card for Business (regardless of the annual fee) are excluded.
Credit Card Account must be open and in Good Standing at the time the Aventura Points are awarded. Aventura Points are awarded to the Primary Cardholder within 8 weeks after all qualifying net Purchase(s) are posted to the credit card account. The following do not qualify as Purchases: Cash Advances, Balance Transfers, CIBC Convenience Cheques, interest, fees, payments, and Aventura Points redemptions. It may take up to several business days for purchases to be posted to the credit card account. This offer is non-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 CIBC Aventura® Visa* Card for Business within the last 12 months. This offer may be revoked if the Business or any Cardholder appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion.
This offer does not apply to annual fees for additional Cards that are added after the application is submitted. This offer applies for the first two years only. If the business qualifies for the rebate, CIBC will rebate the annual fee(s) for each of the first two years, for a total of 2 annual fee rebates for you (the Primary Cardholder) and up to 9 authorized users added. The rebate will appear on your account statement within two account statement cycles after the annual fee is charged. The new Credit Card Account must be open and in Good Standing at the time the rebate is awarded.
If the application for an eligible card is not approved, you may be considered for another card (as disclosed in the credit card application). If the application is approved for that card, this annual fee rebate offer will apply in the amount of the annual fee, if any, of the alternate card or Credit Card Account, as applicable.
The over $2,200 value is based on the combined total value of: the maximum redemption value of $1,600 for 70,000 Aventura Points on two long-haul airfares ($800 travel value each) based on the Aventura Airline Rewards Chart at the CIBC Rewards page Opens a new window., before taxes and other charges, as of March 1, 2023; and an annual fee rebate for the first two years (of at least $278) for the Primary Cardholder and three additional cards (up to $300), plus a first year value of $110 for a SKIP+ membership.
For full details review the maximum ticket prices and Aventura Flight Rewards Chart at the CIBC Rewards Centre Opens a new window.. Some airlines may impose fees, restrictions, or other conditions on air travel.
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.
Capitalized terms used and not defined herein have the meanings given to them in the CIBC Business Cardholder Agreement – Personal Liability.
Interest rates may change from time to time. “Purchase” means card purchases less returns and does not include: Cash Advances, Balance Transfers and CIBC Convenience Cheques. “Cash” means Cash Advances, Balance Transfers and CIBC Convenience Cheques.
For CIBC Aventura Visa Card for Business with an annual fee of $180: the annual interest rates are 12.99%, 15.99% or 18.99% for Purchases and 14.5%, 17.5% or 21.5% for Cash Advances, Balance Transfers and CIBC Convenience Cheques. The annual interest rates assigned to the Account will be based on your personal credit bureau and other information at the time the request is processed.
For CIBC Aventura Visa Card for Business with an annual fee of $139: the annual interest rates are 20.99% for Purchases and 22.99% for Cash Advances, Balance Transfers and CIBC Convenience Cheques.
Aventura Points will be cancelled if they remain unredeemed for 60 days after you voluntarily close your Aventura credit card account or within 12 months of the Primary Cardholder’s death.
Only the Primary Cardholder is permitted to perform a “Payment with Points” or “Financial Product with Points” redemption. Other Cardholders are not eligible. Redemptions are non-refundable, non-exchangeable and non-transferable unless you are advised otherwise. Requested redemption amount must be equal to or less than the available points balance. Points to dollars conversion ratio is determined by CIBC and can be changed at any time without notice. Payment with Points redemption towards credit card balances will be reflected within five business days. Information on using Points towards outstanding principal and CIBC financial products, including registered savings accounts and Investor’s Edge accounts, can be found on the CIBC Payment with Points page.
All Aventura Program rewards displayed above are subject to availability.
If you have any concerns about your dealings with CIBC, we encourage you to follow our complaint handling process. Full details, including how to contact us in writing, are available at the CIBC complaints’ page Opens a new window. and in the Our Service Commitment to You brochure, available online or at any CIBC banking centre.
†† CIBC Global Money Transfer™ for Business offer:
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 Business Operating Account or U.S. Current Account to send a CIBC Global Money Transfer. Most transfers are completed by the next business day; some transfers require 2 to 3 business days.
Read the CIBC Global Money Transfer Agreement (PDF, 130 KB) Opens a new window..
Offer available to CIBC Business Banking clients with an eligible Canadian or U.S. Dollar CIBC Business Bank account and that have not yet tried CIBC Global Money Transfer. Use promo code GMTBB and send a GMT using online or mobile banking from your eligible account to receive up to $1,000 CA cash back for your first GMT within 4 to 6 weeks.
If you have an eligible Canadian or U.S. Dollar CIBC business account but have not yet tried CIBC Global Money Transfer for Business (“GMT”), request a GMT and you can receive up to $1,000 CA credited to your account depending on the amount of your first transfer:
- $50 CA credit for transfer amounts between $100 CA to $9,999.99 CA
- $100 CA credit for transfer amounts between $10,000 CA to $49,999.99 CA
- $500 CA credit for transfer amounts between $50,000 CA to $99,999.99 CA
- $1,000 CA credit for transfer amounts between $100,000 CA to $250,000 CA
The credit will be applied to your CIBC business account in 4 to 6 weeks. Limit, one cash back offer per business. Offer ends 11:59:59 pm EST on October 31, 2026. CIBC may cancel or change the offer at any time without notice.
Get up to $1,000 CA when you send an accumulated value of CIBC Global Money Transfer (GMT) payments from your CIBC Business Operating Accounts from January 1, 2026, to December 31, 2026.
You'll get:
| Cash back |
Accumulated value of GMT payments sent from January 1, 2026, to December 31, 2026 |
| $100 |
$150,000 |
| $250 |
$300,000 |
| $500 |
$500,000 |
| $1,000 |
$1,000,000 or more |
1. Offer Period
The offer period is retroactive January 1, 2026, and ends on December 31, 2026.
2. Eligibility
In order to be eligible to receive the cash back, you must be a CIBC Business Banking client and meet the following conditions:
- Use CIBC Business Operating Accounts (BOAs) to send GMT payments; and
- Send GMT payments equal to or more than the accumulated amount of GMT payments indicated in the chart above during the offer period. Returned or rejected payments are excluded; and
- In order to receive the cash back, your BOAs from which you sent GMT payments must be open and in good standing in accordance with the account terms and conditions.
3. Additional conditions that apply
- Eligible businesses that meet all eligibility requirements will receive the amount of cash back that corresponds to the accumulated amount of sent GMT payments by your business entity, to be deposited into the primary BOA used by your business entity by no later than February 26, 2027.
- Limited to one (1) cash back per eligible business entity, regardless of the number of BOAs held by the business entity, or from which GMTs have been sent.
- This cash back offer can be combined with other CIBC cash back offers currently available, as long as the terms and conditions of those offers are met.
4. General terms and conditions
- Offer available to CIBC Business Banking clients with an eligible CIBC Business Operating Account.
- This cash back offer and these terms do not impact service fees or charges which may apply to the CIBC products. See the brochure Business Account Service Fees (PDF, 245 KB) Opens a new window..
- CIBC foreign exchange rates apply. A CIBC Global Money Transfer (“GMT”) and a Foreign Exchange transaction counts towards your allowable transaction limit; bank account transaction fees may apply. Must have a CIBC Business Operating Account to send a GMT. Most transfers are completed by the next business day; some transfers require 2 to 3 business days. Read the CIBC Global Money Transfer Agreement (PDF, 130 KB) Opens a new window..
- A GMT can be performed using CIBC Online Banking® or the CIBC Mobile Banking® App on any Business Operating Account that requires one signature for transactions. Clients with accounts that require two or more signatures may visit a CIBC Banking Centre.
- CIBC reserves the right to change, cancel, extend, or withdraw this offer at any time without notice.
- CIBC reserves the right, in its sole discretion, to disqualify, limit or revoke this offer in respect of any CIBC customer who it believes, in its sole discretion, is abusing or manipulating this offer.
- If the BOA is closed for any reason prior to the cash bonus amount being deposited, then standard account closure fees may apply, and you will not receive the cash bonus.
- All dollar amounts referred to herein are in Canadian dollars. Payments sent from a U.S. Dollar Current Account will be converted to the Canadian equivalent.
- You are responsible for any tax consequences arising out of the receipt of the cash back.
Definitions
“Business Operating Accounts” means any of the following accounts: CIBC Basic Business Operating Account®, CIBC Everyday Business Operating Account®, CIBC Advanced Business Operating Account™, CIBC Unlimited Business Operating Account®, or U.S. Dollar Current Account.
“Eligible Business” means a business registered in Canada, or a business operating in Canada by a person who is a permanent resident of Canada.
“you” or “your” means any Eligible Business “we”, “us”, “our” and “CIBC” mean Canadian Imperial Bank of Commerce
A CIBC Global Money Transfer can be performed using CIBC Online Banking or the CIBC Mobile Banking App on any account that requires one signature for transactions. Clients with accounts that require two or more signatures may visit a CIBC Banking Centre.
5. Our Process for Resolving Your Complaints
If you have any concerns about your dealings with CIBC, we encourage you to follow our complaint handling process. Full details, including how to contact us in writing, are available at the CIBC complaints’ page Opens a new window. and in the Our Service Commitment to You brochure, available online or at any CIBC banking centre.
Partner Offers:
- Partner offers such as Global Payments are referral arrangements only and are subject to terms and conditions to be entered into with the partner. All questions, complaints, and grievances must be directed to the partner, who is solely responsible for resolving them. CIBC assumes no responsibility or liability in connection with partner offers.
◊◊ Global Payments offer:
- Terms and conditions apply. This offer is valid from September 8, 2026 to November 30, 2026, and is available to net-new Global Payments clients in Canada only, who have not conducted any business with Global Payments in the past twelve (12) months, who enter into a Merchant Agreement with Global Payments Direct, Inc., and a POS Equipment Agreement with Global Payments Canada GP, each with a minimum three (3) year term, and who receive their deposits into a CIBC business bank account. Global Payments reserves the right to determine qualified merchants and is under no obligation to approve a prospective merchant. The merchant will have their set-up fees waived (a value of $150) and up to $100 off Global Payments Genius product purchase. Merchants who process at least $250,000 CA in annualized credit processing volume during the first year of their processing activity may be eligible to receive additional statements credits totaling $300 CA. Two year price lock on card processing fees excludes applicable payment network pass-through and/or assessment fees. Cannot be combined with any other offer. Void where prohibited. This offer as described is subject to change, withdrawal or cancellation at any time, without notice, and is not valid with any other offer. Additional restrictions, conditions, and other fees/taxes may apply. Contact a Global Payments representative for more information.
