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. Most CIBC Global Money Transfers are completed within 1-3 business days.
Read the CIBC Global Money Transfer Agreement. (PDF, 135 KB) Opens in a new window.
4 CIBC Aventura® Visa Infinite Privilege* Card:
This offer applies to CIBC Global Money Transfers posted to the primary cardholder’s credit card account between December 1, 2021 and January 31, 2022. Earn 1.25 Aventura points for every $1 CA spent on a CIBC Global Money Transfer. This offer may be withdrawn or changed without prior notice at any time. 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.
CIBC Aventura® Visa Infinite* Card; CIBC Aventura® Gold Visa* Card; CIBC Aventura® World & World Elite® Mastercard®; CIBC Aventura® Mastercard®:
This offer applies to CIBC Global Money Transfers purchases posted to the primary cardholder’s credit card account between December 1, 2021 and January 31, 2022. Earn 1 Aventura point for every $1 CA spent on a CIBC Global Money Transfer. This offer may be withdrawn or changed without prior notice at any time. 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.
CIBC Aventura® Visa* Card:
This offer applies to CIBC Global Money Transfers purchases posted to the primary cardholder’s credit card account between December 1, 2021 and January 31, 2022. Earn 1 Aventura point for every $2 CA spent on a CIBC Global Money Transfer. This offer may be withdrawn or changed without prior notice at any time. 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.
CIBC Aeroplan® Visa Infinite Privilege* Card:
This offer applies to CIBC Global Money Transfers posted to the primary cardholder’s credit card account between December 1, 2021 and January 31, 2022. Earn 1.25 Aeroplan points for every $1 CA spent on a CIBC Global Money Transfer. This offer may be withdrawn or changed without prior notice at any time. 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.
CIBC Aeroplan Visa Infinite* Card; CIBC Aerogold® Visa* Card:
This offer applies to CIBC Global Money Transfers posted to the primary cardholder’s credit card account between December 1, 2021 and January 31, 2022. Earn 1 Aeroplan point for every $1 CA spent on a CIBC Global Money Transfer. This offer may be withdrawn or changed without prior notice at any time. 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.
CIBC Aeroplan® Visa* Card:
This offer applies to CIBC Global Money Transfers posted to the primary cardholder’s credit card account between December 1, 2021 and January 31, 2022. Earn 1 Aeroplan point for every $1.5 CA spent on a CIBC Global Money Transfer. This offer may be withdrawn or changed without prior notice at any time. 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.
CIBC Gold Visa* Card:
This offer applies to CIBC Global Money Transfers posted to the primary cardholder’s credit card account between December 1, 2021 and January 31, 2022. Earn 1 Gold Bonus Point for every $1 CA spent on a CIBC Global Money Transfer. This offer may be withdrawn or changed without prior notice at any time. 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.
5 Aventura Points are earned on card purchases less returns, and not on cash advances, CIBC Global Money Transfers, 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. We may make special offers, including offers to earn Aventura Points on CIBC Global Money Transfers, which may be for a limited period and contain additional terms and conditions.
6 CIBC Dividend® Visa Infinite* Card; CIBC Dividend Platinum® Visa* Card; CIBC Dividend Unlimited™ World and World Elite® Mastercard®:
This offer applies to CIBC Global Money Transfers posted to the primary cardholder’s credit card account between December 1, 2021 and January 31, 2022. Get 1% cash back for every $1 CA spent on a CIBC Global Money Transfer. This offer may be withdrawn or changed without prior notice at any time. 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.
CIBC Dividend® Visa* Card:
This offer applies to CIBC Global Money Transfers posted to the primary cardholder’s credit card account between December 1, 2021 and January 31, 2022. Get 0.5% cash back for every $1 CA spent on a CIBC Global Money Transfer. This offer may be withdrawn or changed without prior notice at any time. 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.
7 If you have a CIBC personal bank account (savings, chequing or a personal line of credit) or an eligible CIBC credit card but have not yet tried CIBC Global Money Transfer ("GMT"), request a GMT transfer and you can receive up to $300 CA credited to your account depending on the amount of your first transfer: $50 CA credit for transfer amounts under $5,000 CA; $100 CA credit for transfer amounts between $5,000 CA to $14,999.99 CA; $175 CA credit for transfer amounts between $15,000 CA to $24,999.99 CA; $300 CA credit for transfer amounts of $25,000 CA and over. If you pay for a GMT using your eligible credit card, the maximum amount that can be transferred is $15,000 CA, which means the maximum amount of cash back you could receive is $175 CA. The credit will be applied to your CIBC account in 4 to 6 weeks. Use promo code GMTEVENT to claim offer. Offer ends 11:59:59 pm ET on April 30, 2022. CIBC may cancel or change the offer at any time without notice.
8 Earn 2% cash back on purchases (less returns) at merchants classified by the credit card network as grocery stores and supermarkets. Earn 1% cash back on purchases (less returns) at merchants classified by the credit card network as (i) gas service stations and automated fuel dispensers, (ii) local and suburban commuter transportation in Canada including subway, streetcar, taxi, limousine and ride sharing services (excludes merchants that may be classified as travel services or travel bookings such as air transport, car rentals and cruises), (iii) eating places and restaurants, drinking places and fast food restaurants, or (iv) recurring payments that are pre-authorized with a merchant to occur on a regular schedule (e.g. daily, monthly or annually) and classified by the merchants as recurring. All other purchases earn 0.5% cash back. The 2% and 1% cash offers are only available on the first $80,000 in net annual card purchases (meaning all card purchases by all cardholders, at any type of merchant) or $20,000 on grocery stores, supermarkets, gas, service stations and automated fuel dispensers, commuter transportation, eating and drinking places and restaurants or on recurring payments, after that, net card purchases at all merchants, including grocery stores, supermarkets, gas, service stations and automated fuel dispensers, commuter transportation, eating and drinking places and restaurants or on recurring payments will earn cash back at the regular rate of 0.5%. The $80,000 limit and the $20,000 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 card purchases less returns and not on cash advances, CIBC Global Money Transfers, interest, fees, balance transfers, payments and regular CIBC Convenience Cheques. 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. We may make special offers, including offers to earn cash back on CIBC Global Money Transfers, which may be for a limited period and contain additional terms and conditions.
The cash back is accumulated each month, beginning with the January statement and ending with the December statement. Only Primary Cardholders are permitted to make a cash back redemption. Authorized Users are not eligible to redeem cash back dollars. The Primary Cardholder may redeem cash back at any time during the year provided they have a minimum cash back balance of $25 at the time the redemption request is made. The minimum cash back redemption amount is $25. Cash back will be credited to the Primary Cardholder’s account within 5 days of the date the redemption request is made. Any cash back amount that is not redeemed by the Primary Cardholder by the last day of the period covered by your December statement will be automatically redeemed, resulting in your cash back balance being reset to zero, and applied as a credit on your next statement, or, in limited circumstances, at such other time as may be permitted by CIBC. CIBC is not required to credit your account with cash back earned during a monthly statement period if your credit card account is not open and in good standing at any time during a monthly statement period. Credit card account must also be open and in good standing at the time the cash back is redeemed.
9 You can qualify for this offer if you apply and are approved for a new CIBC Aventura® Visa* card beginning February 1, 2021.
If you apply and are approved for a new CIBC Aventura® Visa*, you can receive:
i. 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® or 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 on the CIBC chequing accounts page or by calling 1-866-525-8622 Opens your phone app.. To learn more about mobile payment options, visit the CIBC ways to pay page.
ii. An additional bonus of 7,500 Aventura Points when you make your first purchase at any time with your card.
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.
The $100 value is based on the redemption value for 10,000 Aventura Points towards a Flexible Travel Reward purchase at a rate of 100 points = $1.00 CAD
10 Actual fund availability varies by receiving financial institution, receiving account type and region. Funds will be delivered to an eligible Visa debit card within 30 minutes of transfer and to eligible Visa credit cards within 24 to 48 hours of transfer.
Visa* is a trademark of Visa International Service Association and is used under license.
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