1 Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). Different cards will have different coverage(s). To learn about included insurance(s), and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, see our Agreements and Insurance page and the insurance certificate(s) in your card package. Some insurance(s) require purchases, common carrier fares and other trip costs to be charged to the card to activate coverage (other conditions may also apply). Certain RSA coverages are “excess insurance” (all other sources of insurance and recovery must be exhausted before benefits are available). For more information, call RSA toll-free at 1-866-363-3338 in Canada, continental U.S. and Hawaii or collect from elsewhere at 905-403-3338.
2 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 and CIBC Convenience Cheques. "Cash" means cash advances, balance transfers and CIBC Convenience Cheques.
3 CIBC Emergency Travel Medical Insurance is underwritten by Co-operators Life Insurance Company. This product is administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. For more information call CIBC Travel Insurance at 1-800-281-9109.
4 CIBC Payment Protector Insurance for Credit Cards is optional creditor’s group insurance underwritten by Canadian Premier Life Insurance Company (Canadian Premier Life) under a group policy issued to CIBC as group policyholder. The insurance is administered by Canadian Premier Life and CIBC. CIBC receives fees from Canadian Premier Life for providing services to Canadian Premier Life regarding this insurance. Also, the risk under the group insurance policy may be reinsured, in whole or in part, to a reinsurer affiliated with CIBC. The reinsurer affiliated with CIBC may earn reinsurance income under this arrangement. Representatives promoting this insurance on behalf of CIBC may receive compensation. This insurance is subject to eligibility conditions, limitations and exclusions (which are circumstances when benefits are limited or not paid), including pre-existing medical and health condition exclusions. These and other terms are described in the Certificate of Insurance for Certificate of Insurance for CIBC Payment Protector Insurance for Credit Cards (PDF, 190 KB) you receive upon enrollment. Products and their features may change at any time. The information in these pages is general only. In case of discrepancy between the information and examples provided on these pages and your Certificate of Insurance, your Certificate of Insurance prevails.
5 We may withdraw approval if we become aware of any unfavourable information regarding your financial position or account status, or if you are unable to provide any additional information reasonably requested by CIBC. The application response time may take longer than 60 seconds in the event of technology issues. If you supply your email address, an application status email will be sent as soon as the technology issues are resolved. Otherwise, you will receive a response to your credit card application within 7 to 10 business days.
All information is valid at the time of publication and is subject to change without notice.