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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 Privilege* Card
Learn more about the CIBC Aventura Visa Infinite Privilege Card
Agreements
Cardholder Agreement (PDF, 420 KB) Opens in a new window.
Changes to Cardholder Agreement June 2022 (PDF, 50 KB) Opens in a new window.
Benefits Guide and upcoming changes (effective July 1, 2022) (PDF, 2.9 MB) Opens in a new window.
For program terms and rewards redemption, visit CIBC RewardsOpens a new window in your browser.
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® Visa Infinite* Card
Agreements
Cardholder Agreement (PDF, 420 KB) Opens in a new window.
Changes to Cardholder Agreement June 2022 (PDF, 50 KB) Opens in a new window.
Benefits Guide and upcoming changes (effective July 1, 2022) (PDF, 625 KB) Opens in a new window.
For program terms and rewards redemption, visit CIBC RewardsOpens a new window in your browser.
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
Insurance certificates for the Aventura Visa Infinite Card (PDF, 1.3 MB) Opens in a new window.
CIBC Aventura® Gold Visa* Card
Agreements
Cardholder Agreement (PDF, 420 KB) Opens in a new window.
Changes to Cardholder Agreement June 2022 (PDF, 50 KB) Opens in a new window.
Benefits Guide and upcoming changes (effective July 1, 2022) (PDF, 915 KB) Opens in a new window.
For program terms and rewards redemption, visit CIBC RewardsOpens a new window in your browser.
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
Insurance certificates for the Aventura Gold Visa Card (PDF, 960 KB) Opens in a new window.
CIBC U.S. Dollar Aventura® Gold Visa* Card
Learn more about the CIBC U.S. Dollar Aventura Gold Visa Card
Agreements
Cardholder Agreement (PDF, 420 KB) Opens in a new window.
Changes to Cardholder Agreement June 2022 (PDF, 50 KB) Opens in a new window.
Benefits Guide (PDF, 485 KB) Opens in a new window.
For program terms and rewards redemption, visit CIBC RewardsOpens a new window in your browser.
Insurance
- Auto Rental Collision/Loss Damage Insurance
- $100,000 Common Carrier Accident Insurance
- Purchase Security & Extended Protection Insurance
Insurance certificates for U.S. Dollar Aventura Gold Visa Card (PDF, 405 KB) Opens in a new window.
CIBC Aventura® Visa* Card
Agreements
Cardholder Agreement (PDF, 420 KB) Opens in a new window.
Changes to Cardholder Agreement June 2022 (PDF, 50 KB) Opens in a new window.
Benefits Guide (PDF, 615 KB) Opens in a new window.
For program terms and rewards redemption, visit CIBC RewardsOpens a new window in your browser.
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, 375 KB) Opens in a new window.
CIBC Aeroplan® Visa Infinite Privilege* Card
Agreements
Cardholder Agreement (PDF, 420 KB) Opens in a new window.
Changes to Cardholder Agreement June 2022 (PDF, 50 KB) Opens in a new window.
Benefits Guide and upcoming changes (effective July 1, 2022) (PDF, 1.55 MB) Opens in a new window.
For program terms, visit Aeroplan Opens in a new window.
Insurance
- Out-of-Province Emergency Travel Medical Insurance
- Trip Cancellation and Trip Interruption Insurance
- Flight Delay and Baggage Insurance
- Hotel Burglary Insurance
- Car Rental Collision and Loss Damage Insurance
- Purchase Security and Extended Protection Insurance
- Mobile Device Insurance
- Common Carrier Accident Insurance
CIBC Aeroplan® Visa* Infinite Card
Insurance
- Out-of-Province Emergency Travel Medical Insurance
- Trip Cancellation and Trip Interruption Insurance
- Flight Delay and Baggage Insurance
- Hotel Burglary Insurance
- Car Rental Collision and Loss Damage Insurance
- Purchase Security and Extended Protection Insurance
- Mobile Device Insurance
- Common Carrier Accident Insurance
Insurance certificates for the Aeroplan Visa Infinite Card (PDF, 1.3 MB) Opens in a new window.
CIBC Aeroplan® Visa* Card
Insurance
- Car Rental Collision and Loss Damage Insurance
- Purchase Security and Extended Protection Insurance
- Common Carrier Accident Insurance
Insurance certificates for the Aeroplan Visa Card (PDF, 195 KB) Opens in a new window.
Travel rewards cards no longer available
CIBC Aventura® World Elite® Mastercard® Card
Agreements
Cardholder Agreement (PDF, 420 KB) Opens in a new window.
Changes to Cardholder Agreement June 2022 (PDF, 50 KB) Opens in a new window.
Benefits Guide and upcoming changes (effective July 1, 2022) (PDF, 635 KB) Opens in a new window.
New Benefits (effective April 1, 2020)Opens a new window in your browser.
For program terms and rewards redemption, visit CIBC RewardsOpens a new window in your browser.
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, 420 KB) Opens in a new window.
Changes to Cardholder Agreement June 2022 (PDF, 50 KB) Opens in a new window.
Benefits Guide and upcoming changes (effective July 1, 2022) (PDF, 620 KB) Opens in a new window.
New Benefits (effective April 1, 2020)Opens a new window in your browser.
For program terms and rewards redemption, visit CIBC RewardsOpens a new window in your browser.
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
Insurance certificates for the Aventura World MasterCard Card (PDF, 1.3 MB) Opens in a new window.
CIBC Aventura® Mastercard® Card
Agreements
Cardholder Agreement (PDF, 420 KB) Opens in a new window.
Changes to Cardholder Agreement June 2022 (PDF, 50 KB) Opens in a new window.
Benefits Guide — $39 Fee (PDF, 475 KB) Opens in a new window.
Benefits Guide Changes (effective February 1, 2021) (PDF, 45 KB) Opens in a new window.
For program terms and rewards redemption, visit CIBC Rewards opens in new window.
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, 565 KB) Opens in a new window.
$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
Insurance certificates for the $99 Aventura MasterCard Card (PDF, 715 KB) Opens in a new window.
CIBC Aerogold® Visa* Card
Insurance
- Car Rental Collision and Loss Damage Insurance
- Purchase Security and Extended Protection Insurance
- Common Carrier Accident Insurance
Insurance certificates for the Aerogold Visa Card (PDF, 235 KB) Opens in a new window.
CIBC Gold Visa* Card
Insurance
$500,000 Common Carrier Accident Insurance (PDF, 65 KB) Opens in a new window.
CIBC Auto Rental Collision/Loss Damage Insurance (PDF, 75 KB) Opens in a new window.
Out-of-Province Emergency Travel Medical Insurance (PDF, 90 KB) Opens in a new window.
Purchase Security and Extended Protection Insurance (PDF, 650 KB) Opens in a new window.
Trip Interruption Insurance (PDF, 165 KB) Opens in a new window.
Current cards
CIBC Dividend® Visa Infinite* Card
Read more details about the CIBC Dividend Visa Infinite Card
Insurance
- Mobile Device Insurance
- Purchase Security & Extended Protection Insurance
- Out-of-Province Emergency Travel Medical Insurance
- Car Rental Collision/Loss Damage Insurance
- $500,000 Common Carrier Accident Insurance
Insurance certificates for the Dividend Visa Infinite Card (PDF, 805 KB) Opens in a new window.
CIBC Dividend Platinum® Visa* Card
Read more details about the CIBC Dividend Platinum Visa Card
Insurance
- Auto Rental Collision/Loss Damage Insurance
- $500,000 Common Carrier Accident Insurance
- Purchase Security & Extended Protection Insurance
Insurance certificates for the Dividend Platinum Visa Card (PDF, 615 KB) Opens in a new window.
CIBC Dividend® Visa* Card
Insurance
- $100,000 Common Carrier Accident Insurance
- Purchase Security & Extended Protection Insurance
Insurance certificates for the Dividend Visa Card (PDF, 360 KB) Opens in a new window.
Cash back cards no longer available
CIBC Dividend Unlimited World Elite® Mastercard® Card
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
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
Current cards
CIBC Costco®† Mastercard®
CIBC Costco®† World Mastercard®
Insurance
- Mobile Device Insurance
- Purchase Security and Extended Warranty Insurance
Current cards
CIBC Classic Visa* Card
CIBC Select Visa* Card
Current cards
CIBC Aventura® Visa* Card for Students
Agreements
Cardholder Agreement (PDF, 420 KB) Opens in a new window.
Changes to Cardholder Agreement June 2022 (PDF, 50 KB) Opens in a new window.
Benefits Guide (PDF, 615 KB) Opens in a new window.
For program terms and rewards redemption, visit CIBC RewardsOpens a new window in your browser.
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 for Students (PDF, 375 KB) Opens in a new window.
CIBC Aeroplan® Visa* Card for Students
Insurance
- Car Rental Collision and Loss Damage Insurance
- Purchase Security and Extended Protection Insurance
- Common Carrier Accident Insurance
Insurance certificates for the Aeroplan Visa Card (PDF, 430 KB) Opens in a new window.
CIBC Classic Visa* Card for Students
CIBC Dividend® Visa* Card for Students
Insurance
- $100,000 Common Carrier Accident Insurance
- Purchase Security & Extended Protection Insurance
Insurance certificates for the Dividend Visa Card for Students (PDF, 360 KB) Opens in a new window.
Current cards
CIBC Aventura® Visa* Card for Business
Agreements
CIBC Business Cardholder Agreement (Personal Liability) (PDF, 460 KB) Opens in a new window.
Changes to Cardholder Agreement June 2022 (PDF, 45 KB) Opens in a new window.
Benefits Guide (PDF, 940 KB) Opens in a new window.
For program terms and rewards redemption, visit CIBC Rewards opens in new window.
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
Insurance certificates for the Aventura Visa Card for Business (PDF, 500 KB) Opens in a new window.
CIBC Aventura® Visa* Card for Business Plus
Agreements
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens in a new window.
Changes to Cardholder Agreement June 2022 (PDF, 50 KB) Opens in a new window.
Benefits Guide (PDF, 525 KB) Opens in a new window.
Opens a new window in your browserCIBC Business Plus Visa Card Reference Guide (PDF, 275 KB) Opens in a new window.
Visa Spend Clarity for Business (PDF, 690 KB) Opens in a new window.
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 Aeroplan® Visa* Business Card
Insurance
- Trip Cancellation and Trip Interruption Insurance
- Flight Delay and Baggage Insurance
- Car Rental Collision and Loss Damage Insurance
- Purchase Security and Extended Protection Insurance
- Common Carrier Accident Insurance
Insurance certificates for the Aeroplan Visa Business Card (PDF, 830 KB) Opens in a new window.
CIBC Aeroplan® Visa* Business Plus Card
Agreements
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens in a new window.
Changes to Cardholder Agreement June 2022 (PDF, 50 KB) Opens in a new window.
Benefits Guide (PDF, 1.4 MB) Opens in a new window.
Opens in a new window.CIBC Business Plus Visa Card Reference Guide (PDF, 265 KB) Opens in a new window.
Visa Spend Clarity for Business (PDF, 690 KB) Opens in a new window.
Insurance
- Trip Cancellation and Trip Interruption Insurance
- Flight Delay and Baggage Insurance
- Car Rental Collision and Loss Damage Insurance
- Purchase Security and Extended Protection Insurance
- Common Carrier Accident Insurance
CIBC Corporate Classic Plus Visa* Card
Agreements
Changes to Cardholder Agreement – September 2018 (PDF, 85 KB) Opens in a new window.
Changes to Cardholder Agreement June 2022 (PDF, 50 KB) Opens in a new window.
Benefits Guide (PDF, 195 KB) Opens in a new window.
Opens a new window in your browserCIBC Business Plus Visa Card Reference Guide (PDF, 275 KB) Opens in a new window.
Visa Spend Clarity for Business (PDF, 690 KB) Opens in a new window.