1 You will receive a welcome bonus of 5,000 Aventura Points after your first purchase at any time with your card. The following do not qualify as purchases: cash advances, interest, fees, balance transfers, payments, Convenience Cheques or Aventura Point redemptions. It may take up to several business days for purchases to be posted to your account. Bonus points will be awarded to primary cardholder on the first monthly statement after qualifying purchase is posted to the account. Card account must be open and in good standing at time Aventura Points are awarded. Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Aventura Visa Student Card are excluded. Offer and bonus points are non-transferable. Offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion. Offer may be withdrawn or changed without notice at any time.
2 Aventura Points are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments, Convenience Cheques or Aventura Points redemptions. Aventura Rewards and Program Terms may change without notice. Taxes, fees and other charges may apply to Rewards. Aventura Points earned on purchases during a monthly statement period may not be credited to you if your card is not in good standing at any time during the monthly statement period.
3 You will receive a welcome bonus of 5,000 Aeroplan Miles after you make your first purchase at any time with your card. The following do not qualify as purchases: cash advances, interest, fees, balance transfers, payments, Convenience Cheques. It may take up to several business days for purchases to be posted to your account. Bonus miles will be awarded to the primary cardholder on the first monthly statement after the qualifying purchase(s) are posted to the account. Card account must be open and in good standing at the time the Aeroplan Miles are awarded. Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Aero Platinum Visa Card for Students are excluded. Offer and bonus miles are non-transferable. Offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion. Offer may be withdrawn or changed without notice at any time.
4 Aeroplan Miles are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments or Convenience Cheques. Taxes, landing and departure fees and other charges and surcharges may apply to Aeroplan reward travel. Aeroplan partners, rules and regulations are subject to change without notice, please refer to aeroplan.com. Aeroplan Miles will be awarded only if your CIBC Aero Platinum Visa Card for Students account is in good standing on the monthly statement date (otherwise Aeroplan Miles are cancelled).
5 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 which coverage(s) are included with a specific card, and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, see www.cibc.com/ca/credit-card/agreements-insurance.html and the insurance certificate(s) in your card package. Some insurance coverage(s) require purchase(s), auto rentals, common carrier fares, hotel/motel 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 coverage is available). For more information, call RSA toll-free at 1 866 363 3338 in Canada, continental U.S and Hawaii or collect from elsewhere at 905 403 3338.
6 Interest rates will change from time to time on at least 30 days prior notice to primary cardholders. "Cash" means cash advances, balance transfers and Convenience Cheques.
7 Earn 2% cash back per dollar charged on purchases (excluding returns) at merchants classified in the credit card network as grocery stores. All other purchases earn cash back at the regular tiered rate. The 2% cash back offer is only available on the first $6,000 in net annual card purchases at grocery merchants on your account; after that, net card purchases at grocery will earn cash back at the regular tiered rate. The $6,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant categories may change without notice.
Cash back is earned on a tiered basis on card purchases less returns and not on cash advances, interest, fees, balance transfers, payments or CIBC Convenience Cheques. Cash back is calculated as follows: on the first $6,000 in net annual card purchases excluding grocery on your account, the cash back earned is 0.5%; on amounts greater than $6,000 in net annual purchases excluding grocery the cash back earned is 1%.
Credits for returns made on your account may result in a deduction of cash back at a higher earn rate, even though the return may relate to a purchase that earned cash back at a lower rate.
The cash back is accumulated each month, beginning with the January Visa statement, and awarded at the end of the year as a credit on the December statement. Credit card account must be open and in good standing at the time the cash back is awarded. Cash back will be credited to the primary cardholder's account.
8 TELUS Rewards points are earned on purchases less returns. Returns on purchases that earned 50% bonus points will reduce your TELUS Reward account by 1.5 points for each dollar in returns. Cash advances, CIBC Convenience Cheques, balance transfers, banking fees (including interest and My Identity Assist fees) and TELUS Rewards points redemptions do not earn TELUS Rewards points. TELUS Rewards points earned while your VISA account is not in good standing will only be credited once the account is returned to good standing. For complete terms and conditions, please refer to telus.com/rewardsterms.
Trademarks
