† Cash reward offer begins on February 4, 2025, at 12:01 am ET. Offer available to Canadian residents, and international students, who meet the eligibility requirements for the CIBC Smart Start or CIBC Smart for Students benefit and, from 2022 to the time of opening the account, are not holders or joint holders of a CIBC chequing account, all as determined by CIBC in its sole discretion. To qualify for this offer, open a CIBC Smart Account with Smart Start or Smart for Students benefits. Within 2 months after the month of opening the account, earn a $125 cash reward when you complete 5 Visa Debit purchases within the same calendar month. Eligibility of transactions will be determined by CIBC in its sole discretion. This offer can be combined with the CIBC Student Refer-a-Friend Program. Offer cannot be combined with any other offer, reward or rebate unless otherwise indicated by CIBC. The cash reward will be deposited into your account within 7 months after the month that you have opened the account. Other conditions apply; review the terms and conditions (PDF, 130 KB) Opens a new window..
‡ To be eligible for a free SPC membership, you must hold an eligible CIBC product at the time you register for the membership, which you must do through CIBC online or mobile banking. Eligible CIBC products include a CIBC Youth or Student bank account, Student credit card or Student line of credit. A complete list of eligible CIBC products can be found at SPC and CIBC. Joint account holders of eligible CIBC products are not eligible for membership. You must also be a legal resident of Canada who is fourteen (14) years of age or over, but under the age of thirty (30) years if the eligible CIBC product you use to qualify for the membership is a student line of credit. The membership will automatically renew and remain in effect for as long as you hold an eligible CIBC product.
◇ You can qualify for this offer if you apply and are approved for a new CIBC Adapta™ Mastercard® beginning May 1, 2025.
If you apply and are approved for a new eligible card, you can receive:
i. A welcome bonus of 3,000 Adapta points when you make your first purchase within the first 4 monthly statement periods.
ii. An additional bonus of 3,000 Adapta points if you have at least $1,000 in net purchases posted to your account during the first 4 monthly statement periods.
The up to $100 in value is based on the combined total value for 6,000 Adapta Points redeemed towards select CIBC financial products ($50 value) and Roadside Assistance ($50 value). If you choose to redeem 6,000 Adapta points as payment to your outstanding credit card balance, the total value of the redemption will be $40.
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Adapta™ Mastercard® are excluded. Card account must be open and in good standing at the time the bonus Adapta Points are awarded. Adapta Points are awarded to you within 8 weeks after all qualifying purchase(s) are posted to your Credit Card Account, less all returns and credits. For this offer, the following do not qualify as purchases: Cash advances, CIBC Global Money Transfers™, optional credit card insurance premiums, fees, interest, balance transfers, payments, CIBC Convenience Cheques, adjustments or Adapta Points redemptions. 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 Adapta™ 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.
†† CIBC Refer-a-Friend $75 Reward Offer (the “Offer”) is part of the CIBC Refer-a-Friend (Newcomer, Student, Youth) program (the “Program”). Offer begins on March 27, 2025 at 12:01 am (ET) and ends on June 30, 2025 at 11:59 pm (ET) (the “Offer Period”). To be eligible as a referrer (a “Referrer”), individuals must: (i) be residents of Canada, (ii) have reached the age of majority in their province and territory of residence, (iii) hold a CIBC Canadian dollar chequing or savings account that is open, active and in good standing, and (iv) have registered for CIBC mobile or online banking. To be eligible as a friend (a “Friend”), an individual must: (i) from November 1, 2018 to the time of account open, not be a holder (or joint holder) of a CIBC Smart Account as determined by CIBC on the basis of its official records, (ii) have a personal or family relationship with the Referrer, and (iii) meet the eligibility requirements to open a CIBC Smart Account with CIBC Smart for Newcomers, CIBC Smart for Foreign Worker, CIBC Smart for Student or CIBC Smart Start benefits (the “Account”). To qualify to receive a $75 referral reward (the “Reward”), a Referrer must refer a Friend and the Friend must open the Account during the Offer Period and complete all qualifying actions in accordance with the CIBC Refer-a-Friend Program Terms (PDF, 110 KB) Opens in a new window. Limit of one (1) Reward payable to a Referrer per qualifying Friend and one (1) Reward payable to a qualifying Friend, regardless of how many CIBC Smart accounts are opened by the Friend. Referrer may receive up to fifty (50) Rewards per calendar year. Referrals containing the “Refer and Earn” link must be created and distributed in a personal manner that is appropriate and customary for communications with friends and family members and must not appear to be sent by or on behalf of CIBC. Bulk email distribution, distribution to strangers, or individuals with whom the Referrer does not have a personal or family relationship may be grounds for immediate termination from the referral program, revocation of Rewards and further legal action by CIBC. CIBC reserves the right to end, cancel, change or suspend this Offer or the Program, or change these terms for any reason without notice. Other conditions apply. To learn more, refer to the Refer-a-Friend Program Terms and Conditions (PDF, 110 KB). Opens in a new window.
◊◊ In order to participate in the CIBC and Skip+ Program (the “Program”) and be eligible for: (i) a 12-month Skip+ free trial, (ii) a discounted monthly Skip+ subscription fee of $6.99 plus applicable taxes following the end of the 12-month free trial period (while available and subject to change), and (iii) a Skip welcome voucher (up to $45 in value) (collectively, the “Offer”), an eligible CIBC cardholder must actively opt-in to the Program by linking their Eligible Card (as defined below) with their Skip Account (any such Skip Account that is linked to an Eligible Card, a “Linked Account”) through the Skip app or website.
12-month free trial and discounted subscription fee: Upon linking your Eligible Card to your Skip Account through the Skip app or website, Skip will automatically apply a 12-month free trial of Skip+ to your Linked Account. Following the expiry of the 12-month free trial period, your Skip+ subscription will automatically renew at a discounted monthly price of $6.99 plus applicable taxes (while available and subject to change), unless you cancel your subscription earlier or the Program or Offer ends.
Welcome Voucher: Within 48 hours of linking your Eligible Card to your Skip Account, Skip will deliver an email to the email address associated with your Linked Skip Account containing a welcome voucher code. The voucher code can be used at checkout to get $15 off orders of $30 or more (before taxes, tips, and fees) and can be redeemed up to three times (up to $45 in value). The voucher code cannot be used on any orders containing solely alcohol, is non-transferable and is valid for a period of 30 days upon receiving the voucher code email from Skip.
The Program and Offer are valid for orders made using an Eligible Card. In order to be eligible for the Program and Offer benefits, you must use an Eligible Card at checkout. Third party digital wallets (e.g. Apple Pay, Google Pay or Samsung Pay) are excluded from the Program and Offer. The Program and Offer are only valid where Skip is available. Offer has no cash value and may not be altered, bartered, sold, or transferred. No refunds for partial billing periods unless required by applicable law. Taxes, service and delivery fees apply. The Program and Offer are subject to the terms and conditions set out here as well as the Skip+ terms and conditions.
Existing terms of your 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 discounted monthly Skip+ subscription fee, the welcome voucher, and the length of time the discounted monthly Skip+ subscription fee is available. 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, made available or purchased from Skip.
Offer is available to:
CIBC Dividend® Visa Infinite*, CIBC Dividend Platinum® Visa*, CIBC Dividend® Visa*, CIBC Dividend Unlimited World Mastercard®, CIBC Dividend® Visa* Card for Students, CIBC Dividend Unlimited World Elite® Mastercard®, CIBC Aventura® Visa Infinite*, CIBC Aventura® World Mastercard®, CIBC Aventura® World Elite Mastercard®, CIBC Aventura® Visa* Card for Students, CIBC Aventura® Visa Infinite Privilege*, CIBC Aventura® Gold Visa*, CIBC Aventura® Mastercard®, CIBC Aventura® Visa*, CIBC Aventura® Visa* for Business Card, CIBC Aventura® Visa* Card for Business Plus, CIBC Aeroplan® Visa* Card, CIBC Aeroplan® Visa Infinite* Card, CIBC Aeroplan® Visa* Card for Students, CIBC Aeroplan® Visa Infinite Privilege* Card, CIBC Aerogold® Visa* Card, CIBC U.S. Dollar Aventura® Gold Visa*, CIBC Aeroplan® Visa for Business Card, CIBC Aeroplan® Visa Business Plus, CIBC Classic Visa* Card, CIBC Classic Visa* Card for Students, CIBC Corporate Classic Plus Visa* Card, CIBC Costco Mastercard®, CIBC Costco World Mastercard®, CIBC Costco Business Mastercard®, CIBC bizline® Visa* Card, CIBC Select Visa* Card, CIBC Vacationgold® Visa* Card, CIBC Gold Visa* Card, CIBC Advantage Debit Card® or any other eligible credit or debit card, as may be determined by CIBC in its sole discretion from time to time, in good standing (each an “Eligible Card”).
For CIBC Aventura® Visa* Card for Business Plus, CIBC Aeroplan® Visa Business Plus and CIBC Corporate Classic Plus Visa* Card, the Offer can only be redeemed by one Cardholder (as defined under the CIBC Business Credit Card Agreement (Business Liability)).
✦ As part of the Skip+ programme, subscribers are entitled to at least the following loyalty Benefits:
$0 delivery fee on orders placed at participating Partners, subject to a minimum spend of at least $15 (before associated taxes) in order to benefit from the Free Delivery Promotion. Such minimum order value may vary depending on the Partner selected, but will always be shown to you before placing your order on the platform. Participating partners may change at any time.
Discounted service fees: A saving of at least 40% off the regular Services Fees charged. Participating partners only. Participating partners will be identifiable when placing an order through the use of the Skip+ logo. You can check the Service Fee charged by each participating partner in the partner menu. Service Fees in general may vary between partners and locations.
Skip+ Members will be entitled to exclusive and/or priority access to promotions offered by Skip and its partners from time to time, provided you have not opted out of receiving marketing communications from Skip.
Additional promotional benefits, offers and rewards may additionally be made available from time to time, subject to any additional terms published alongside those offers or rewards.
For the full program terms and conditions, please click here Opens a new window..
1 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 does not include transfers to your other CIBC personal bank account(s) and to your CIBC Personal Line(s) of Credit (except Interac e-Transfer service which will be treated as a transaction) and transfers to your CIBC Credit Card account(s). 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. Other fees (in addition to any transaction fee) include: withdrawals from non-CIBC bank machines (for CIBC Smart Plus Accounts, the fee for all non-CIBC ATM withdrawals in Canada, the U.S. and internationally is rebated each month; for CIBC Smart Accounts and for clients enrolled in CIBC Smart Start or CIBC Smart for Students, the fee for 1 non-CIBC ATM withdrawal made in Canada is rebated each month), 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 Smart Start, CIBC Premium Growth Account with CIBC Advantage for Youth, CIBC Smart for Students, 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) and foreign currency transactions (including cheques written in currencies other than the account currency).
2 A If approved, your account will be a temporary, no fee CIBC Smart Account, with restrictions for access and use. You have 12 months from the date your temporary account is opened to visit a CIBC Banking Centre in Canada and complete your CIBC Smart Arrival by transferring all funds in your temporary account to a new CIBC account. There are no fees for applying to CIBC Smart Arrival. However, there are fees applicable to the one time wire transfer to your temporary account, including an incoming wire payment fee. For more details, refer to the CIBC Smart Arrival Terms and Conditions (PDF, 170 KB) Opens in a new window. and the CIBC Personal Deposit Account Agreements and Disclosures (PDF, 1.5 MB) Opens in a new window.. Other banks may also charge a fee in connection with the one time wire transfer.
B You will only be permitted to make a single wire transfer into your temporary account. All other transactions are prohibited. Wire transfer, processing, and foreign exchange fees will apply. For more details, refer to the CIBC Smart Arrival Terms and Conditions (PDF, 170 KB) Opens in a new window. and the CIBC Personal Deposit Account Agreements and Disclosures (PDF, 1.5 MB) Opens in a new window.. Other banks may also charge a fee in connection with the wire transfer.
C You have 12 months from the date of opening the temporary account to visit a CIBC Banking Centre in Canada and complete your CIBC Smart Arrival by transferring all funds in your temporary account to a new CIBC account. The applicable fees on your new CIBC account will be disclosed to you at the time you open your new CIBC account. If, for any reason, your new CIBC account is not opened within 12 months, your temporary account will be automatically closed. Any funds in the temporary account will be returned to you via wire transfer to the same bank account that they originated from. Wire transfer, processing, and foreign exchange fees will apply. For more details, refer to the CIBC Smart Arrival Terms and Conditions (PDF, 170 KB) Opens in a new window. and the CIBC Personal Deposit Account Agreements and Disclosures (PDF, 1.5 MB) Opens in a new window.. Other banks may also charge a fee in connection with the wire transfer return. We suggest keeping your original bank account open to receive the returned funds.
3 The additional $1.50 service fee is waived for sending Interac e-Transfer transactions. Each Interac e-Transfer transaction you send counts as a transaction for calculating your monthly fee. Maximum dollar amount applies for Interac e-Transfer transactions. For details, review the CIBC Interac e-Transfer Terms and Conditions (PDF, 300 KB) Opens in a new window..
4 Until age 25 and then regular Smart Account fees will apply.
5 CIBC will rebate one non-CIBC ATM withdrawal fee charge; charges from the other financial institution may apply.
6 Adapta Points are earned on eligible purchases posted to your Credit Card Account, less all returns and credits. Cash advances, CIBC Global Money Transfers™, optional credit card insurance premiums, fees, interest, balance transfers, payments, CIBC Convenience Cheques, adjustments or Adapta Points redemptions are not eligible purchases.
You will earn 1 Adapta Point for each whole dollar ($1.00 CAD) on every eligible purchase posted to your Credit Card Account.
You will also earn 0.5 bonus Adapta Points for each whole dollar ($1.00 CAD) on every eligible purchase in the 3 Spend Categories with the highest total of net eligible purchases, as determined at the end of each Credit Card Account statement period.
Adapta Points and bonus Adapta Points are calculated for each eligible purchase individually. Cents do not earn Adapta Points, bonus Adapta Points or partial Adapta Points.
Bonus Adapta Points may only be earned on the first $40,000 in net annual card purchases on your account (meaning all eligible purchases by all cardholders, at any type of merchant). This limit will reset the day after your December Statement Date.
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, or CIBC Convenience Cheques. “Cash” means cash advances, balance transfers and CIBC Convenience Cheques.
8 To be eligible for the maximum credit limit of $2,000, you must meet CIBC eligibility and credit criteria requirements. If you do not meet the eligibility and credit criteria requirements for the maximum credit limit of $2,000, you may be approved for a lower credit limit. The final limit assigned is at the discretion of CIBC.
Trademarks
