Credit cards

^◊ To qualify for this offer, you must apply on CIBC.com. The 4% cash back offer (the “Infinite and Platinum Dividend Offer”) is available to cardholders who applied and were approved for a CIBC Dividend® Visa Infinite* Card and CIBC Dividend Platinum® Visa* Card between September 1, 2016 and October 31, 2016 (the “Offer Period”). The Infinite and Platinum Dividend Offer applies on all purchases posted to your account for the first 3 months beginning from your account open date and ending 90 days after your account open date or $5,000 in total purchases (equal to $200 cash back), whichever comes first.

Account open date is typically 48 hours after your application is approved as per CIBC’s standard adjudication procedure. If the promotional rate of 4% for the CIBC Dividend® Visa Infinite* Card and CIBC Dividend Platinum® Visa* card applies to any purchase, then the regular cash back rate(s) do not apply. Cash back is earned on purchases less returns and credits. Non-purchase transactions like interest, fees, and balance transfers do not earn cash back. The cash back is accumulated each month and will appear on your statement no later than the month after it is earned. Cash back is awarded at the end of the year as a credit on the December statement. Credit card account must be open and in good standing at the time the cash back is awarded. Cash back will be credited to the primary cardholder's account.

These offers are not transferable and cannot be combined with any other offer. These offers do not apply to transfers from another credit card account. These offers may be withdrawn or changed without prior notice at any time.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.

¹ Interest rates will change from time to time on at least 30 days prior notice to primary cardholders. "Cash" means cash advances, balance transfer and convenience cheques.

² Earn 4% cash back on purchases (excluding returns) at merchants classified by the credit card network as grocery stores or service stations/automated gas dispensers. Earn 2% cash back on purchases (excluding returns) at merchants identified as TELUS or Tim Hortons merchants by the merchant payment terminal. Some TELUS and/or Tim Hortons locations may be identified as other merchants by the merchant payment terminal. All other purchases earn 1% cash back. The 4% and 2% cash back offers are only available on the first $80,000 in net annual card purchases (meaning all card purchases by all cardholders, at any type of merchant) or $20,000 on gas, grocery, TELUS or Tim Hortons purchases on your account, whichever comes first; after that, net card purchases at all merchants, including grocery stores, service stations/automatic gas dispensers, TELUS or Tim Hortons will earn cash back at the regular rate of 1%. The $80,000 limit and the $20,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant/merchant categories may change without notice. Cash back is earned on card purchases less returns and not on cash advances, interest, fees, balance transfers, payments and regular CIBC Convenience Cheques.

Credits for returns made on your account may result in a deduction of cash back at a higher earn rate, even though the return may relate to a purchase that earned cash back at a lower rate.

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