◊◊ No purchase necessary. Open January 1, 2022 to December 31, 2022 to legal residents of Canada who are 16 years of age or older and are current students of an accredited Canadian university, college or secondary school. One Grand Prize available to be won consisting of:
- One cheque for $8,750 made payable to the winner;
- One 1-year GIC for $8,750 opened in the winner’s name;
- One 2-year GIC for $8,750 opened in the winner’s name; and
- One 3-year GIC for $8,750 opened in the winner’s name.
Odds of winning depend on number of eligible entries received. Math skill test required. Refer to the full contest rules (PDF, 170 KB) Opens in a new window..
Winner will be picked January 9, 2023. Check full rules for other ways to enter.
† 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.
Trade-mark/registered trade-mark of Student Price Card Ltd.
◊ CIBC Pace It™ Installment Plans allow eligible cardholders to convert eligible Card Transaction(s) to monthly installment payments (including interest) over a fixed period of time. When you create an installment plan you will have the ability to choose the payment term (in months) with a corresponding annual interest rate. Once you accept the Installment Plan Terms and Conditions and the installment plan is created, you can cancel it at any time but you cannot change it. CIBC Pace It™ Installment Plans are only available: (a) on Accounts in good standing; and (b) for certain eligible Account types and eligible Transactions. For complete Terms and Conditions, visit CIBC Pace It Skip to terms and conditions..
✦You will save three cents ($0.03) per litre at the time of your purchase if you present your Journie Rewards card or app and use your linked CIBC card to pay. Available at participating locations on any grade of gasoline or diesel up to 100 litres per transaction. To get the discount, you must be enrolled in and use CIBC Online Banking® or the CIBC Mobile Banking® App to link your eligible CIBC card(s) to Journie Rewards. Card linking may take up to two (2) business days. To participate in this offer, you must have a CIBC debit card or personal credit card issued by CIBC. All Simplii cards are excluded. Please see cibc.com/journie for full program terms and conditions.
Once your Journie Rewards account has reached three hundred (300) Journie Points, you will automatically save an additional seven cents ($0.07) per litre on your next fuel purchase transaction made within 30 days, up to a maximum of 100 litres. Once you pass 300 points, your balance will reset and start counting toward 300 points and your next seven cents ($0.07) fuel discount. See journie.ca for more details.
Participating locations include select retail Pioneer, Fas Gas, Ultramar and Chevron branded gas stations in Canada. For a full list of participating stations, visit journie.ca/destinations.
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 Opens your phone app. in Canada, continental U.S. and Hawaii, or collect from elsewhere at 905-403-3338 Opens your phone app..
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 Opens your phone app..
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) Opens in a new window. 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.
6 CIBC foreign exchange rates apply. Only primary cardholders can use their eligible credit card account to pay for the CIBC Global Money Transfer™ service.
7 CIBC does not charge interest on a CIBC Global Money Transfer appearing on your statement if we receive full payment of the Amount Due (or for a CIBC Global Money Transfer that has been converted to an Installment Plan during that statement period, if we receive payment in full of the Balance) by the payment due date for that statement. Capitalized terms in this footnote have the meanings set out in the CIBC Cardholder Agreement.