4% cash back on gas and grocery purchases

Get 1% cash back on everything else1

Get maximum rewards

No limit on the total cash back you can earn1

Extra protection on new purchases

Double the manufacturer's original warranty up to one year on most of your purchases3


Annual fee
$99
Each additional card (up to 3): $30 per year

First year rebate for new cardholders on primary and up to 3 secondary cards

Interest rate
RDS%rate[2].VPDIV.rate(null,null,6,null)(#R#)% for purchases4
RDS%rate[2].VPDIV.rate(null,null,3,null)(#R#)% for cash4,5

Minimum annual income
$15,000 household

It’s simple. Get cash back just for using your card.

4% cash back

on gas and grocery store purchases1

2% cash back

on Tim Hortons® and TELUS® purchases1

1% cash back

on all other purchases1

Calculate your cash back potential2

This tool is currently unavailable. Please see Overview and Advice.

Valuable insurance included with your card3

Auto Rental Collision and Loss Damage Insurance

$500,000 Common Carrier Accident Insurance

Purchase Security and Extended Protection Insurance

Optional insurance

CIBC Emergency Travel Medical Insurance7

CIBC Payment Protector™ Insurance for Credit Cards8