Agreements and Insurance

Review cardholder agreements, benefits guides, amendments and insurance certificates for your CIBC credit cards.

Credit card categories

Current cards

CIBC Aventura^®Visa Infinite Privilege^* Card

Learn more about the CIBC Aventura Visa Infinite Privilege Card

Agreements

Benefits Guide (PDF, 2.1 MB) Opens in a new window.

Cardholder Agreement (PDF, 140 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 and Trip Interruption Insurance

Flight Delay and Baggage Insurance

Auto Rental Collision and Loss Damage Insurance

Hotel Burglary Insurance

Common Carrier Accident Insurance

Mobile Device Insurance

Purchase Security and Extended Protection Insurance

Insurance certificates for the Aventura Visa Infinite Privilege Card (PDF, 1.3 MB) Opens in a new window.

CIBC Aventura^® Visa Infinite^* Card

Learn more about the CIBC Aventura Visa Infinite Card

Agreements

Benefits Guide (PDF, 2.1 MB) Opens in a new window.

Cardholder Agreement (PDF, 140 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

Flight Delay and Baggage Insurance

Trip Cancellation and Trip Interruption Insurance

Auto Rental Collision and Loss Damage Insurance

$500,000 Common Carrier Accident Insurance

Purchase Security and Extended Protection Insurance

Hotel Burglary Insurance

Mobile Device Insurance

Insurance certificates for the Aventura Visa Infinite Card (PDF, 1.3 MB) Opens in a new window.

CIBC Aventura^® Gold Visa^* Card

Learn more about the CIBC Aventura Gold Visa Card

Agreements

Benefits Guide (PDF, 2.1 MB) Opens in a new window.

Cardholder Agreement (PDF, 140 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

Flight Delay and Baggage Insurance

Auto Rental Collision and Loss Damage Insurance

$500,000 Common Carrier Accident Insurance

Purchase Security and Extended Protection Insurance

Hotel Burglary Insurance

Mobile Device 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

Benefits Guide (PDF, 485 KB) Opens in a new window.

Cardholder Agreement (PDF, 140 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 and Loss Damage Insurance

$100,000 Common Carrier Accident Insurance

Purchase Security and Extended Protection Insurance

Insurance certificates for the U.S. Dollar Aventura Gold Visa Card (PDF, 405 KB) Opens in a new window.

CIBC Aventura^® Visa^* Card

Learn more about the CIBC Aventura Visa Card

Agreements

Benefits Guide (PDF, 615 KB) Opens in a new window.

Cardholder Agreement (PDF, 140 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 and Loss Damage Insurance

$100,000 Common Carrier Accident Insurance

Purchase Security and Extended Protection Insurance

Insurance certificates for the Aventura Visa Card (PDF, 375 KB) Opens in a new window.

CIBC Aeroplan^®Visa Infinite Privilege^* Card

Learn more about the Aeroplan Visa Infinite Privilege Card

Agreements

Benefits Guide (PDF, 6 MB) Opens in a new window.

Cardholder Agreement (PDF, 140 KB) 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

Auto 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 Privilege Card (PDF, 1.3 MB) Opens in a new window.

CIBC Aeroplan® Visa* Infinite Card

Learn more about the CIBC Aeroplan Visa Infinite Card

Agreements

Benefits Guide (PDF, 1.1 MB) Opens in a new window.

Cardholder Agreement (PDF, 140 KB) 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

Auto 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

Learn more about the CIBC Aeroplan Visa Card

Agreements

Benefits Guide (PDF, 875 KB) Opens in a new window.

Cardholder Agreement (PDF, 140 KB) Opens in a new window.

For program terms, visit Aeroplan Opens in a new window.

Insurance

Purchase Security and Extended Protection Insurance

Common Carrier Accident Insurance

Auto Rental Collision and Loss Damage 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, 140 KB) Opens in a new window.

Benefits Guide (PDF, 2.7 MB) 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 Elite MasterCard Card (PDF, 1.3 MB) Opens in a new window.

CIBC Aventura^® World Mastercard^® Card

Agreements

Cardholder Agreement (PDF, 140 KB) Opens in a new window.

Benefits Guide (PDF, 2.7 MB) 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, 140 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

Agreements

Cardholder Agreement (PDF, 140 KB) Opens in a new window.

Benefits Guide (PDF, 845 KB) Opens in a new window.

For program terms, visit Aeroplan Opens in a new window.

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

Agreements

Cardholder Agreement (PDF, 140 KB) Opens in a new window.

Benefits Guide (PDF, 435 KB) Opens in a new window.

For program terms, visit CIBC RewardsOpens a new window in your browser.

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

Agreements

Benefits Guide (PDF, 540 KB) Opens in a new window.

Cardholder Agreement (PDF, 140 KB) Opens in a new window.

On Demand Redemption Terms and Conditions (PDF, 134 KB) Opens in a new window.

Insurance

Mobile Device Insurance

Purchase Security and Extended Protection Insurance

Out-of-Province Emergency Travel Medical Insurance

$500,000 Common Carrier Accident Insurance

Auto Rental Collision and Loss Damage Insurance

Insurance certificates for the Dividend Visa Infinite Card (PDF, 805 KB) Opens in a new window.

CIBC Dividend Platinum® Visa* Card

Agreements

Benefits Guide (PDF, 585 KB) Opens in a new window.

Cardholder Agreement (PDF, 140 KB) Opens in a new window.

On Demand Redemption Terms and Conditions (PDF, 134 KB) Opens in a new window.

Insurance

Purchase Security and Extended Protection Insurance

$500,000 Common Carrier Accident Insurance

Auto Rental Collision and Loss Damage Insurance

Insurance certificates for the Dividend Platinum Visa Card (PDF, 615 KB) Opens in a new window.

CIBC Dividend® Visa* Card

Agreements

Benefits Guide (PDF, 350 KB) Opens in a new window.

Cardholder Agreement (PDF, 140 KB) Opens in a new window.

On Demand Redemption Terms and Conditions (PDF, 134 KB) Opens in a new window.

Insurance

$100,000 Common Carrier Accident Insurance

Purchase Security and 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

Agreements

Cardholder Agreement (PDF, 140 KB) Opens in a new window.

Benefits Guide (PDF, 185 KB) Opens in a new window.

On Demand Redemption Terms and Conditions (PDF, 134 KB) Opens in a new window.

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

Insurance certificates for the Dividend Unlimited World Elite MasterCard Card (PDF, 615 KB) Opens in a new window.

CIBC Dividend Unlimited World Mastercard^® Card

Agreements

Cardholder Agreement (PDF, 140 KB) Opens in a new window.

Benefits Guide (PDF, 215 KB) Opens in a new window.

On Demand Redemption Terms and Conditions (PDF, 215 KB) Opens in a new window.

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

Insurance certificates for the Dividend Unlimited World MasterCard Card (PDF, 615 KB) Opens in a new window.

Current cards

CIBC Costco^®† Mastercard^®

CIBC Costco^®†World Mastercard^®

Agreements

Benefits Guide (PDF, 1.2 MB) Opens in a new window.

World Mastercard Benefits Opens in a new window.

Cardholder Agreement (PDF, 140 KB) Opens in a new window.

Additional Clauses applicable to CIBC Costco Mastercards (PDF, 45 KB) Opens in a new window.

Insurance

Mobile Device Insurance

Purchase Security and Extended Warranty Insurance

Insurance Certificate for the CIBC Costco Mastercard and CIBC Costco World Mastercard (PDF, 670 KB) Opens in a new window.

Current cards

CIBC Classic Visa* Card

Agreements

Benefits Guide (PDF, 305 KB) Opens in a new window.

Cardholder Agreement (PDF, 140 KB) Opens in a new window.

Insurance

$100,000 Common Carrier Accident Insurance

Purchase Security and Extended Protection Insurance

$100,000 Common Carrier Accident Insurance (PDF, 55 KB)
Opens in a new window.

Purchase Security and Extended Protection Insurance (PDF, 650 KB) Opens in a new window.

CIBC Select Visa* Card

Agreements

Benefits Guide (PDF, 230 KB) Opens in a new window.

Cardholder Agreement (PDF, 140 KB) Opens in a new window.

Insurance

$100,000 Common Carrier Accident Insurance

$100,000 Common Carrier Accident Insurance (PDF, 55 KB) Opens in a new window.

Current cards

CIBC Aventura® Visa* Card for Students

Learn more about the CIBC Aventura Visa Card for Students

Agreements

Benefits Guide (PDF, 615 KB) Opens in a new window.

Cardholder Agreement (PDF, 140 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 and Loss Damage Insurance

$100,000 Common Carrier Accident Insurance

Purchase Security and 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

Learn more about the CIBC Aeroplan Visa Card for Students

Agreements

Benefits Guide (PDF, 3.3 MB) Opens in a new window.

Cardholder Agreement (PDF, 140 KB) Opens in a new window.

For program terms, visit Aeroplan Opens in a new window.

Insurance

Purchase Security and Extended Protection Insurance

Common Carrier Accident Insurance

Auto Rental Collision and Loss Damage Insurance

Insurance certificates for the Aeroplan Visa Card for Students (PDF, 430 KB) Opens in a new window.

CIBC Classic Visa* Card for Students

Learn more about the CIBC Classic Visa Card for Students

Agreements

Benefits Guide (PDF, 305 KB) Opens in a new window.

Cardholder Agreement (PDF, 140 KB) Opens in a new window.

Insurance

$100,000 Common Carrier Accident Insurance

Purchase Security and Extended Protection Insurance

$100,000 Common Carrier Accident Insurance (PDF, 55 KB) Opens in a new window.

Purchase Security and Extended Protection Insurance (PDF, 650 KB) Opens in a new window.

CIBC Dividend® Visa* Card for Students

Learn more about the CIBC Dividend Visa Card for Students

Agreements

Benefits Guide (PDF, 415 KB) Opens in a new window.

Cardholder Agreement (PDF, 140 KB) Opens in a new window.

On Demand Redemption Terms and Conditions (PDF, 134 KB) Opens in a new window.

Insurance

$100,000 Common Carrier Accident Insurance

Purchase Security and 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

Learn more about the CIBC Aventura Visa Card for Business

Agreements

Benefits Guide (PDF, 1.7 MB) Opens in a new window.

CIBC Business Cardholder Agreement – Personal Liability (PDF, 125 KB) Opens in a new window.

For program terms and rewards redemption, visit CIBC Rewards opens in new window.

Insurance

Flight Delay and Baggage Insurance

Purchase Security and Extended Protection Insurance

Auto Rental Collision and Loss Damage Insurance

$500,000 Common Carrier Accident Insurance

Trip Cancellation and Trip Interruption 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

Benefits Guide (PDF, 525 KB) Opens in a new window.

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.

CIBC Business Plus Visa Card Reference Guide (PDF, 225 KB) Opens in a new window.

Visa Spend Clarity for Business (PDF, 690 KB) Opens in a new window.

Insurance

Flight Delay and Baggage Insurance

Purchase Security and Extended Protection Insurance

Auto Rental Collision and Loss Damage Insurance

$500,000 Common Carrier Accident Insurance

Trip Cancellation and Trip Interruption Insurance

Insurance certificates for the CIBC Aventura Visa Card for Business Plus (PDF, 475 KB) Opens in a new window.

CIBC Aeroplan® Visa* Business Card

Learn more about the CIBC Aeroplan Visa Business Card

Agreements

Benefits Guide (PDF, 2.5 MB) Opens in a new window.

CIBC Business Cardholder Agreement – Personal Liability (PDF, 125 KB) Opens in a new window.

For program terms, visit Aeroplan Opens in a new window.

Insurance

Trip Cancellation and Trip Interruption Insurance

Flight Delay and Baggage Insurance

Auto 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

Learn more about the CIBC Aeroplan Visa Business Plus Card

Agreements

Benefits Guide (PDF, 1.4 MB) Opens in a new window.

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.

CIBC Business Plus Visa Card Reference Guide (PDF, 225 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

Auto Rental Collision and Loss Damage Insurance

Purchase Security and Extended Protection Insurance

Common Carrier Accident Insurance

Insurance certificates for the CIBC Aeroplan Visa Business Plus Card (PDF, 840 KB) Opens in a new window.

CIBC Corporate Classic Plus Visa* Card

Agreements

Benefits Guide (PDF, 195 KB) Opens in a new window.

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.

CIBC Business Plus Visa Card Reference Guide (PDF, 225 KB) Opens in a new window.

Visa Spend Clarity for Business (PDF, 690 KB) Opens in a new window.

Insurance

$100,000 Common Carrier Accident Insurance

Insurance certificate for the CIBC Corporate Classic Plus Visa Card (PDF, 55 KB) Opens in a new window.

CIBC bizline^® Visa^* Card

Learn more about the CIBC bizline Visa Card

Agreements

Benefits Guide (PDF, 215 KB) Opens in a new window.

CIBC Business Cardholder Agreement – Personal Liability (PDF, 125 KB) Opens in a new window.

Insurance

$100,000 Common Carrier Accident Insurance

Insurance certificate for the CIBC bizline Visa Card (PDF, 55 KB) Opens in a new window.

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Call us 1-800-385-2582

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Agreements and Insurance

Credit card categories

Current cards

CIBC Aventura® Visa Infinite Privilege* Card

Agreements

Insurance

CIBC Aventura® Visa Infinite* Card

Agreements

Insurance

CIBC Aventura® Gold Visa* Card

Agreements

Insurance

CIBC U.S. Dollar Aventura® Gold Visa* Card

Agreements

Insurance

CIBC Aventura® Visa* Card

Agreements

Insurance

CIBC Aeroplan® Visa Infinite Privilege* Card

Agreements

Insurance

CIBC Aeroplan® Visa* Infinite Card

Agreements

Insurance

CIBC Aeroplan® Visa* Card

Agreements

Insurance

Travel rewards cards no longer available

CIBC Aventura® World Elite® Mastercard® Card

Agreements

Insurance

CIBC Aventura® World Mastercard® Card

Agreements

Insurance

CIBC Aventura® Mastercard® Card

Agreements

Insurance

CIBC Aerogold® Visa* Card

Agreements

Insurance

CIBC Gold Visa* Card

Agreements

Insurance

Current cards

CIBC Dividend® Visa Infinite* Card

Agreements

Insurance

CIBC Dividend Platinum® Visa* Card

Agreements

Insurance

CIBC Dividend® Visa* Card

Agreements

Insurance

Cash back cards no longer available

CIBC Dividend Unlimited World Elite® Mastercard® Card

Agreements

Insurance

CIBC Dividend Unlimited World Mastercard® Card

Agreements

Insurance

Current cards

CIBC Costco®† Mastercard®

CIBC Costco®† World Mastercard®

Agreements

Insurance

Current cards

CIBC Classic Visa* Card

Agreements

Insurance

CIBC Select Visa* Card

Agreements

Insurance

Current cards

CIBC Aventura® Visa* Card for Students

Agreements

Insurance

CIBC Aeroplan® Visa* Card for Students

Agreements

Insurance

CIBC Classic Visa* Card for Students

CIBC Aventura^®Visa Infinite Privilege^* Card

CIBC Aventura^® Visa Infinite^* Card

CIBC Aventura^® Gold Visa^* Card

CIBC U.S. Dollar Aventura^® Gold Visa^* Card

CIBC Aventura^® Visa^* Card

CIBC Aeroplan^®Visa Infinite Privilege^* Card

CIBC Aventura^® World Elite^® Mastercard^® Card

CIBC Aventura^® World Mastercard^® Card

CIBC Aventura^®Mastercard^® Card

CIBC Dividend Unlimited World Elite^® Mastercard^® Card

CIBC Dividend Unlimited World Mastercard^® Card

CIBC Costco^®† Mastercard^®

CIBC Costco^®†World Mastercard^®

CIBC Aventura^® Visa* Card for Business

CIBC Aventura^®Visa* Card for Business Plus

CIBC bizline^® Visa^* Card