Apply for a CIBC Smart™ Account and credit card together

Apply as a permanent resident to get the CIBC Smart Account for Newcomers together with a credit card.

Apply as a foreign worker to get the CIBC Smart Account for Foreign Workers together with a credit card.

Apply as an international student to get student banking together with a credit card.

CIBC Dividend Platinum® Visa* Card

Earn up to 3% cash back on your everyday purchases.ⓘ

3%

2%

1%

CIBC cardholders get exclusive Skip+ benefitsⓘ

Enjoy effortless home delivery and exclusive savings with our new Skip partnership.

12 months free

12-month free trial of Skip+ subscription

Welcome voucher

$15 off 3 Skip orders of $30 or more (up to $45 value)

Preferred monthly fee

Save $3 per month – only $6.99 after your free trial

Show more Skip+ benefits

Save up to 10 cents per litre on gas with CIBC and Journie Rewards

Link and use your eligible CIBC credit card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.ⓘ, ⓘ

Save 3 cents per litre every time you fill up.ⓘ

+

Save 7 cents per litre every time you reach 300 Journie Points.ⓘ

Logos of Journie Rewards, On the Run, Pioneer, Fas Gas, Ultramar, and Chevron.

Maximize your cash back with these perks

Get cash back on demand

Earn cash back with CIBC Global Money Transfer™,ⓘ 

Annual fee

$99
(first 2 year rebatedⓘ) 

$30
for each additional card
(3 card maximum. First 2 years rebated.ⓘ) 

Interest rate (purchases)

RDS%rate[2].VPDIV.Published(null,null,6,null)(#O2#)%ⓘ

(effective the first day of your 2025 August statement period: 21.99%)

Interest rate (cash)

RDS%rate[2].VPDIV.Published(null,null,3,null)(#O2#)%ⓘ,ⓘ

(RDS%rate[2].VPDIV.Published(null,null,90,null)(#O2#)% for Quebec residents effective the first day of the 2021 April statement period)ⓘ,ⓘ

Minimum annual income

$15,000
(household)

Valuable insurance included with your cardⓘ,ⓘ,ⓘ   

Not the right card for you?

CIBC Dividend® Visa* Card

Earn 2% cash back on eligible grocery purchases.ⓘ