1 CIBC foreign exchange rates apply. Only primary cardholders can use their eligible credit card account to pay for CIBC Global Money Transfer™ service.
2 CIBC does not charge interest on a CIBC Global Money Transfer appearing on your statement if we receive full payment of the Amount Due (or for a CIBC Global Money Transfer that has been converted to an Installment Plan during that statement period, if we receive payment in full of the Balance) by the payment due date for that statement. Capitalized terms in this footnote have the meanings set out in the CIBC Cardholder Agreement.
3 CIBC foreign exchange rates apply. A CIBC Global Money Transfer and a Foreign Exchange transaction count towards your allowable transaction limit. Bank account transaction fees may apply. Must have a CIBC savings or chequing account or a personal line of credit or an eligible credit card to send a CIBC Global Money Transfer. Some transfers are completed within 2 to 3 business days.
Read the CIBC Global Money Transfer Agreement. (PDF, 135 KB) Opens in a new window.
4 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%. Earn 2% cash back on purchases (less returns) at merchants classified by 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 merchants will earn cash back at 1%. 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. Deductions of cash back for returns are made at the earn rate applicable at the time the return occurs. 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 or, in limited circumstances, at such other time as may be permitted by CIBC. 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.
Effective February 1, 2021, cash back is not earned on CIBC Global Money Transfers™. All other terms above will continue to apply.
We may make special offers, including offers to earn cash back on CIBC Global Money TransfersTM, which may be for a limited period and contain additional terms and conditions.
5 Aventura Points are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments, regular CIBC Convenience Cheques or Aventura Points redemptions. Aventura Rewards and Program Terms may change without notice. Taxes, fees and surcharges 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.
Effective February 1, 2021, Aventura Points are not earned on CIBC Global Money Transfers™. All other terms above will continue to apply.
We may make special offers, including offers to earn Aventura Points on CIBC Global Money TransfersTM, which may be for a limited period and contain additional terms and conditions.
6 If you have a CIBC eligible credit card, but have not yet tried CIBC Global Money Transfer (“GMT”) service, request a GMT transfer and you will receive 50 CAD in your CIBC credit card account in 4-6 weeks. If you don’t have an eligible CIBC credit card, you can apply for one and if approved, you can use the CIBC Global Money Transfer service after account opening and you will receive 50 CAD in your new account in 4-6 weeks. Use promo code GMT50 to claim offer. CIBC may cancel or change the offer at any time without notice.
7 You can qualify for this offer if you apply and are approved for a new CIBC Aventura® Visa* beginning June 2, 2020.
If you apply and are approved for a new CIBC Aventura® Visa* card, you can receive up to 2,500 bonus Aventura Points for completing the below activities within 60 days of your CIBC Aventura® Visa* account approval. The following activities are worth 500 Aventura Points each: 1. Share your email address with CIBC; 2. Sign up for eStatements for your new Aventura Visa card; 3. Add an authorized user on your new Aventura Visa card; 4. Hold any eligible CIBC Chequing Account; and 5. Add your Aventura Visa card with Apple Pay®, Samsung Pay or Google Pay™. It may take up to two statement cycles for the bonus Aventura Points to appear on your credit card statement after each of the above activities have been completed. You can provide us with your email address and sign up for eStatements through CIBC Online Banking, by visiting a branch or calling 1-800-465-4653 Opens your phone app.. This offer is applicable to the first authorized user added only. Your authorized users will be issued the additional card(s) automatically when we get your request, as long as your credit card account is: a) still in good standing at that time, and b) your request does not exceed a total of 3 authorized users (counting any existing authorized users you may already have). Authorized users under the age of 13 can only be added by calling CIBC at 1-800-465-4653 Opens your phone app.. You must hold any of the following CIBC Chequing accounts: CIBC Everyday® Chequing Account, CIBC Smart™ Account, CIBC SmartPlus® Account, CIBC US$ Personal Account, CIBC Personal Chequing Account, CIBC EverydayPlus® Chequing Account, CIBC Waive Account®, CIBC MenuPlus® – Maximize Interest Account, CIBC Chequing Savings Account. If you already have an existing eligible CIBC Chequing account or shared your email address with CIBC, you will be qualified to receive the 500 Aventura Points each. If you do not have an eligible account you may apply at the CIBC chequing accounts landing page Opens in a new window. or by calling 1-866-525-8622 Opens your phone app.. To learn more about the mobile payment options, visit the CIBC Ways to Pay page Opens in a new window..
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Aventura® Visa* Card are excluded. Card account must be open and in good standing at the time the Aventura Points are awarded. Aventura Points are awarded to you within 8 weeks after all qualifying purchase(s) are posted to your account. The following do not qualify as purchases: cash advances, balance transfers, CIBC Convenience Cheques, fees, interest, Aventura Points redemptions and payments. It may take up to several business days for purchases to be posted to your account. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. Card account must be open and in good standing at the time the Aventura Points are awarded. This 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.
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