Worldwide purchase acceptance

The Advantage Debit Card is not a credit card; it's a debit card, which means that you can pay for purchases worldwide using your own money withdrawn directly from your CIBC bank account.

Save money with rewards and discounts

Link your Journie Rewards card to save on every fill-up at participating Chevron, Ultramar and Pioneer gas stations.

Learn more about Journie Rewards

Start getting money back on your everyday purchases at top retailers with CIBC and Paymi.

Learn more about Paymi 

Put away money for tuition and books by saving on everyday purchases. Get a free SPC membership as a CIBC student or youth client.

Learn more about SPC

How to use your CIBC Advantage Debit Card

Security and protection

Use the CIBC Advantage Debit Card to make purchases around the world in person, online, by phone or mail with the added security and protection benefits of:

Chip technology enhances an already secure payment system and is recognized around the world as a standard of safety and security.

Active fraud monitoring helps protect your money by detecting possible fraudulent transactions.

Plus, get additional security and protection features for transactions made through the Visa network:

  • Verified by Visa: This free global authentication service makes shopping online at participating retailers more secure by providing an additional layer of protection.
  • Visa's Zero Liability Policy: Should someone steal your card, your card number, or other card details, you will not be held responsible for fraudulent purchases processed through the Visa network as long as you meet your obligations3.

For more information about your and CIBC's responsibility and liability, read Convenience and security for your everyday banking (PDF, 1.3 MB) Opens a new window in your browser.