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AGREEMENTS AND INSURANCE
Cardholder Agreements, Benefits Guides, Important Amendments and Insurance Certificates
Find all the agreements, benefits details, amendments and insurance certificates for CIBC credit cards right here
Credit card categories
Current cards
CIBC Aventura® Visa Infinite* Card
Read more details about the CIBC Aventura Visa Infinite Card
Agreements
Cardholder Agreement (PDF, 130 KB) Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 540 KB) Opens a new window in your browser
For program terms and rewards redemption, visit CIBCRewards.com
Insurance
- Out-of-Province Emergency Travel Medical Insurance
- Trip Cancellation/Trip Interruption Insurance
- Auto Rental Collision/Loss Damage Insurance
- Flight Delay and Baggage Insurance
- Hotel Burglary Insurance
- $500,000 Common Carrier Accident Insurance
- Mobile Device Insurance
- Purchase Security and Extended Protection Insurance
CIBC Aventura® Gold Visa* Card
Agreements
Cardholder Agreement (PDF, 130 KB) Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 775 KB) Opens a new window in your browser
For program terms and rewards redemption, visit CIBCRewards.com
Insurance
- Out-of-Province Emergency Travel Medical Insurance
- Auto Rental Collision/Loss Damage Insurance
- Flight Delay and Baggage Insurance
- Hotel Burglary Insurance
- $500,000 Common Carrier Accident Insurance
- Mobile Device Insurance
- Purchase Security and Extended Protection Insurance
CIBC U.S. Dollar Aventura® Gold Visa* Card
Read more details about the CIBC U.S. Dollar Aventura Gold Visa Card
Agreements
Cardholder Agreement (PDF, 130 KB)Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 745 KB) Opens a new window in your browser
For program terms and rewards redemption, visit CIBCRewards.com
Insurance
- Auto Rental Collision/Loss Damage Insurance
- $100,000 Common Carrier Accident Insurance
- Purchase Security & Extended Protection Insurance
CIBC Aventura® Visa* Card
Agreements
Cardholder Agreement (PDF, 130 KB) Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 325 KB) Opens a new window in your browser
For program terms and rewards redemption, visit CIBCRewards.com
Insurance
- Auto Rental Collision/Loss Damage Insurance
- $100,000 Common Carrier Accident Insurance
- Purchase Security & Extended Protection Insurance
Insurance certificates for the Aventura Visa Card (PDF, 700 KB) Opens a new window in your browser
CIBC Aerogold® Visa Infinite Privilege* Card
Read more details about the Aerogold Visa Infinite Privilege Card
Agreements
Cardholder Agreement (PDF, 130 KB) Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 3.7 MB) Opens a new window in your browser
For program terms, visit aeroplan.com
Insurance
- Out-of-Province Emergency Travel Medical Insurance
- Trip Cancellation/Trip Interruption Insurance
- Auto Rental Collision/Loss Damage Insurance
- $500,000 Common Carrier Accident Insurance
- Flight Delay and Baggage Insurance
- Purchase Security & Extended Protection Insurance
- CIBC Hotel/Motel Burglary Insurance
CIBC Aerogold® Visa* Infinite Card
Read more details about the CIBC Aerogold Visa Infinite Card
Agreements
Cardholder Agreement (PDF, 130 KB) Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 3.6 MB) Opens a new window in your browser
For program terms, visit aeroplan.com
Insurance
- Out-of-Province Emergency Travel Medical Insurance
- Trip Cancellation/Trip Interruption Insurance
- Auto Rental Collision/Loss Damage Insurance
- $500,000 Common Carrier Accident Insurance
- Flight Delay and Baggage Insurance
- Purchase Security & Extended Protection Insurance
CIBC Aero Platinum™ Visa* Card
Agreements
Cardholder Agreement (PDF, 130 KB) Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 5.9 MB) Opens a new window in your browser
For program terms, visit aeroplan.com
Insurance
- Auto Rental Collision/Loss Damage Insurance
- $100,000 Common Carrier Accident Insurance
- Purchase Security & Extended Protection Insurance
Travel rewards cards no longer available
CIBC Aventura World Elite MasterCard™ Card
Agreements
Cardholder Agreement (PDF, 130 KB) Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 1.5 MB) Opens a new window in your browser
For program terms and rewards redemption, visit CIBCRewards.com
Insurance
- Out-of-Province Emergency Travel Medical Insurance
- Trip Cancellation/Trip Interruption Insurance
- Auto Rental Collision/Loss Damage Insurance
- Flight Delay and Baggage Insurance
- Hotel Burglary Insurance
- $500,000 Common Carrier Accident Insurance
- Mobile Device Insurance
- Purchase Security and Extended Warranty Insurance
CIBC Aventura World MasterCard™ Card
Agreements
Cardholder Agreement (PDF, 130 KB) Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 395 KB) Opens a new window in your browser
For program terms and rewards redemption, visit CIBCRewards.com
Insurance
- Out-of-Province Emergency Travel Medical Insurance
- Trip Cancellation/Trip Interruption Insurance
- Auto Rental Collision/Loss Damage Insurance
- Flight Delay and Baggage Insurance
- Hotel Burglary Insurance
- $500,000 Common Carrier Accident Insurance
- Mobile Device Insurance
- Purchase Security and Extended Warranty Insurance
CIBC Aventura MasterCard™ Card
Agreements
Cardholder Agreement (PDF, 130 KB) Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide — $39 Fee (PDF, 240 KB) Opens a new window in your browser
Benefits Guide — $99 Fee (PDF, 225 KB) Opens a new window in your browser
For program terms and rewards redemption, visit CIBCRewards.com
Insurance
$39 Fee
- Out-of-Province Emergency Travel Medical Insurance
- Auto Rental Collision/Loss Damage Insurance
- $100,000 Common Carrier Accident Insurance
- Purchase Security & Extended Protection Insurance
Insurance certificates for the $39 Aventura MasterCard Card (PDF, 1 MB) Opens a new window in your browser
$99 Fee
- Out-of-Province Emergency Travel Medical Insurance
- Auto Rental Collision/Loss Damage Insurance
- Trip Interruption Insurance
- $500,000 Common Carrier Accident Insurance
- Purchase Security & Extended Warranty Insurance
CIBC Aerogold® Visa* Card
Agreements
Cardholder Agreement (PDF, 130 KB) Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 4.3 MB) Opens a new window in your browser
For program terms, visit aeroplan.com
Insurance
- Auto Rental Collision/Loss Damage Insurance
- $500,000 Common Carrier Accident Insurance
- Flight Delay and Baggage Insurance
- Purchase Security & Extended Protection Insurance
Insurance certificates for the Aerogold Visa Card Opens a new window in your browser(PDF, 300 KB)Opens a new window in your browser
CIBC Aero Classic Visa* Card
Agreements
Cardholder Agreement (PDF, 130 KB) Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 3.4 MB) Opens a new window in your browser
For program terms, visit aeroplan.com
Insurance
- Auto Rental Collision/Loss Damage Insurance
- $100,000 Common Carrier Accident Insurance
- Purchase Security & Extended Protection Insurance
CIBC Gold Visa* Card
Agreements
Cardholder Agreement (PDF, 130 KB) Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 868 KB) Opens a new window in your browser
For program terms, visit CIBCRewards.com
Insurance
$500,000 Common Carrier Accident Insurance (PDF, 200 KB) Opens a new window in your browser
CIBC Auto Rental Collision/Loss Damage Insurance (PDF, 200 KB) Opens a new window in your browser
Out-of-Province Emergency Travel Medical Insurance Opens a new window in your browser(PDF, 200 KB)
Purchase Security and Extended Protection Insurance (PDF, 200 KB) Opens a new window in your browser
Trip Interruption Insurance (PDF, 200 KB) Opens a new window in your browser
Current cards
CIBC Dividend® Visa Infinite* Card
Read more details about the CIBC Dividend Visa Infinite Card
Agreements
Cardholder Agreement (PDF, 130 KB) Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 3.9 MB) Opens a new window in your browser.
Insurance
- Purchase Security & Extended Protection Insurance
- Out-of-Province Emergency Travel Medical Insurance
- Auto Rental Collision/Loss Damage Insurance
- $500,000 Common Carrier Accident Insurance
- Trip Interruption Insurance
- Flight Delay and Baggage Insurance
CIBC Dividend Platinum® Visa* Card
Read more details about the CIBC Dividend Platinum Visa Card
Agreements
Cardholder Agreement (PDF, 130 KB) Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 5.7 MB) Opens a new window in your browser.
Insurance
- Auto Rental Collision/Loss Damage Insurance
- $500,000 Common Carrier Accident Insurance
- Purchase Security & Extended Protection Insurance
CIBC Dividend® Visa* Card
Agreements
Cardholder Agreement (PDF, 130 KB) Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 8 MB) Opens a new window in your browser
Insurance
- $100,000 Common Carrier Accident Insurance
- Purchase Security & Extended Protection Insurance
Insurance certificates for the Dividend Visa Card (PDF, 315 KB) Opens a new window in your browser
Cash back cards no longer available
CIBC Dividend Unlimited™ World Elite MasterCard Card
Agreements
Cardholder Agreement (PDF, 130 KB)Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB)Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 320 KB) Opens a new window in your browser
Insurance
- Purchase Security & Extended Warranty Insurance
- Out-of-Province Emergency Travel Medical Insurance
- Auto Rental Collision/Loss Damage Insurance
- $1.000,000 Common Carrier Accident Insurance
- Trip Interruption Insurance
- Flight Delay and Baggage Insurance
CIBC Dividend Unlimited™ World MasterCard Card
Agreements
Cardholder Agreement (PDF, 130 KB) Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 240 KB) Opens a new window in your browser
Insurance
- Purchase Security & Extended Warranty Insurance
- Out-of-Province Emergency Travel Medical Insurance
- Auto Rental Collision/Loss Damage Insurance
- $1.000,000 Common Carrier Accident Insurance
- Trip Interruption Insurance
- Flight Delay and Baggage Insurance
Retail Rewards cards no longer available
CIBC Tim Hortons® Double Double™ Visa* Card
Read more details about the CIBC Tim Hortons Double Double Visa Card
Agreements
Cardholder Agreement (PDF, 130 KB) Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 2 MB) Opens a new window in your browser
For program terms, visit timhortons.com
Current cards
CIBC Classic Visa* Card
Agreements
Cardholder Agreement (PDF, 130 KB) Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 700 KB) Opens a new window in your browser
CIBC Select Visa* Card
Agreements
Cardholder Agreement (PDF, 130 KB)Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB)Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 670 KB) Opens a new window in your browser
Everyday cards no longer available
CIBC Platinum Visa* Card
Agreements
Cardholder Agreement (PDF, 130 KB)Opens a new window in your browser.
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB)Opens a new window in your browser.
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 405 KB) Opens a new window in your browser.
Current cards
CIBC Aventura® Visa* Card for Students
Read more details about the CIBC Aventura Visa Card for Students
Agreements
Cardholder Agreement (PDF, 130 KB)Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB)Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 960 KB)Opens a new window in your browser
For program terms and rewards redemption, visit CIBCRewards.com
Insurance
- Auto Rental Collision/Loss Damage Insurance
- $100,000 Common Carrier Accident Insurance
- Purchase Security & Extended Protection Insurance
CIBC Aero Platinum™ Visa* Card for Students
Read more details about the CIBC Aero Platinum Visa Card for Students
Agreements
Cardholder Agreement (PDF, 130 KB) Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 1 MB) Opens a new window in your browser
For program terms, visit aeroplan.com
Insurance
- Auto Rental Collision/Loss Damage Insurance
- $100,000 Common Carrier Accident Insurance
- Purchase Security & Extended Protection Insurance
CIBC Classic Visa* Card for Students
Read more details about the CIBC Classic Visa Card for Students
Agreements
Cardholder Agreement (PDF, 130 KB)Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB)Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 700 KB) Opens a new window in your browser
CIBC Dividend® Visa* Card for Students
Read more details about the CIBC Dividend Visa Card for Students
Agreements
Cardholder Agreement (PDF, 130 KB) Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 8.6 MB) Opens a new window in your browser
Insurance
- $100,000 Common Carrier Accident Insurance
- Purchase Security & Extended Protection Insurance
Student cards no longer available
CIBC Tim Hortons® Double Double™ Visa* Card for Students
Read more details about the CIBC Tim Hortons Double Double Visa Card for Students
Agreements
Cardholder Agreement (PDF, 130 KB) Opens a new window in your browser.
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser.
Effective August 1, 2019: Cardholder Agreement (PDF, 230 KB) Opens a new window in your browser.
Benefits Guide (PDF, 4.5 MB) Opens a new window in your browser.
For program terms, visit Tim HortonsOpens a new window in your browser..
Current cards
CIBC Aventura® Visa* Card for Business
Read more details about the CIBC Aventura Visa Card for Business
Agreements
Cardholder Agreement (PDF, 120 KB) Opens a new window in your browser
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Benefits Guide (PDF, 450 KB) Opens a new window in your browser
For program terms and rewards redemption, visit CIBCRewards.com
Insurance
- Trip Cancellation/Trip Interruption Insurance
- Auto Rental Collision/Loss Damage Insurance
- $500,000 Common Carrier Accident Insurance
- Flight Delay and Baggage Insurance
- Purchase Security & Extended Warranty Insurance
CIBC Aventura® Visa* Card for Business Plus
Agreements
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Benefits Guide (PDF, 470 KB) Opens a new window in your browser
Visa Business Reporting (VBR) Getting Started Guide (PDF, 1.6 MB) Opens a new window in your browser
Visa Payment Control (VPC) Getting Started Guide Opens a new window in your browser(PDF, 1.3 MB)
Insurance
- Trip Cancellation/Trip Interruption Insurance
- Auto Rental Collision/Loss Damage Insurance
- $500,000 Common Carrier Accident Insurance
- Flight Delay and Baggage Insurance
- Purchase Security & Extended Protection Insurance
Insurance certificates for the CIBC Aventura Visa Card for Business Plus Opens a new window in your browser(PDF, 410 KB)
CIBC Aerogold® Visa* Card for Business
Read more details about the CIBC Aerogold Visa Card for Business
Insurance
- Trip Cancellation/Trip Interruption Insurance
- Auto Rental Collision/Loss Damage Insurance
- $500,000 Common Carrier Accident Insurance
- Flight Delay and Baggage Insurance
- Purchase Security & Extended Protection Insurance
CIBC Aerogold® Visa* Card for Business Plus
Agreements
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Benefits Guide (PDF, 685 KB) Opens a new window in your browser
Visa Business Reporting (VBR) Getting Started Guide (PDF, 1.6 MB) Opens a new window in your browser
Visa Payment Control (VPC) Getting Started Guide (PDF, 1.3 MB) Opens a new window in your browser
Insurance
- Trip Cancellation/Trip Interruption Insurance
- Auto Rental Collision/Loss Damage Insurance
- $500,000 Common Carrier Accident Insurance
- Flight Delay and Baggage Insurance
- Purchase Security & Extended Protection Insurance
CIBC Corporate Classic Plus Visa* Card
Agreements
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens a new window in your browser
Benefits Guide (PDF, 490 KB) Opens a new window in your browser
Visa Business Reporting (VBR) Getting Started Guide (PDF, 1.6 MB) Opens a new window in your browser
Visa Payment Control (VPC) Getting Started Guide (PDF, 1.3 MB) Opens a new window in your browser