Making sense of credit card fees

Choose the CIBC credit card that’s right for you. Plus, learn about the tools available to help you save money, make payments and manage your card.

A CIBC Credit card just for you

Different credit cards offer different benefits and features. No matter your goals or spending habits, there’s a CIBC credit card that’s right for you.

Travel

Cash Back

Rewards

No annual fee or low interest

Student

Business

Understand key credit card terms

Whether you want to choose a card, manage your credit or review your statement, understanding key terms can help you save on fees and get the most out of your credit card. Visit the button below to learn more about these key terms.

Credit card basics

Manage your spending with CIBC tools

Learn about the features and tools that give you more control over your spending, while letting you use your card the way you want to.

Set up spend and credit alerts

Add authorized user spend limits

Set up regular payments

Add an overlimit block

Request a credit limit increase

Manage your spending

Explore more tips to save on credit card fees

Pay your full balance each month. Select to show or hide answer.
You can avoid interest charges to your account if you pay the full balance on your statement by the due date every month.

You’ll pay interest in a few situations:
- If you pay less than your statement balance or you make a payment after your due date
- If you take cash advances or make balance transfers
- If you write cheques on your credit card account
Set up AutoPay. Select to show or hide answer.
Automatically pay your CIBC credit card from your bank account. Set up pre-authorized payments with 2 options:
- Minimum payment (includes overlimit or past due amount, whichever is greater)
- Full payment (for example, previous statement balance)
To set up AutoPay, call us at 1-800-465-4653.
Set up frequent payments and manual payment reminders. Select to show or hide answer.
If your spending habits are different each month, you may choose to make manual payments. There are several ways to manage a manual payment:
- Set reminders in your mobile calendar to pay your bill at the same time each month
- Use CIBC Online or Mobile Banking^® to stay on top of your account balance, pay your credit card bill, review available credit, minimum payment, due date and recent transactions
- Set up recurring payments from your chequing account to your credit card each month

Resources

Need Help?

For more information about CIBC credit cards, call us anytime.

1-800-465-4653
(Canada and U.S.)

514-861-4653
(Everywhere else)