† This offer applies to the following Eligible Cards: CIBC Dividend® Visa Infinite* Card and CIBC Dividend Platinum® Visa Card. You must apply and be approved for a new eligible card beginning February 1, 2021 to qualify for this offer.
If you apply and are approved for a new eligible card, CIBC will rebate for the first two years the applicable annual fee for you (the primary cardholder).
If your application for an eligible card is not approved, you may be considered for another card (as disclosed in your credit card application). If you are approved for that card, this annual fee rebate offer will apply in the amount of the annual fee, if any, of the alternate card. If you qualify, the rebate will be awarded to the primary cardholder and will appear as a credit against the applicable annual fee(s) on the anniversary month statement period in which the annual fee is charged for each of the first two years, for a total of 2 annual fee rebates for each cardholder. At the time the rebate is awarded, your new credit card account must be open, in good standing and must be the same credit card product that you were initially approved for.
This offer is not transferable and cannot be combined with any other offer. This offer applies to newly approved cards accounts only; transfers from an existing CIBC credit card to a CIBC Dividend Visa Infinite Card or CIBC Dividend Platinum Visa Card are excluded. This offer may be withdrawn or changed without prior notice at any time.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.
‡ This offer applies to the following Eligible Cards: CIBC Aventura® Visa* Infinite* Card, CIBC Aventura® Gold Visa* Card. You must apply and be approved for a new eligible card beginning February 1, 2021 to qualify for this offer.
If you apply and are approved for a new eligible card, CIBC will rebate for the first two years the applicable annual fee for you (the primary cardholder).
If your application for an eligible card is not approved, you may be considered for another card (as disclosed in your credit card application). If you are approved for that card, this annual fee rebate offer will apply in the amount of the annual fee, if any, of the alternate card. If you qualify, the rebate will be awarded to the primary cardholder and will appear as a credit against the applicable annual fee(s) on the anniversary month statement period in which the annual fee is charged for each of the first two years, for a total of 2 annual fee rebates for each cardholder. At the time the rebate is awarded, your new credit card account must be open, in good standing and must be the same credit card product that you were initially approved for.
This offer is not transferable and cannot be combined with any other offer. This offer applies to newly approved cards accounts only; transfers from an existing CIBC credit card to a CIBC Aventura Visa Infinite Card or CIBC Aventura Gold Visa Card are excluded. 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.
This offer applies to the following eligible cards: CIBC Aventura Visa Infinite and CIBC Aventura Gold Visa Card. You can qualify for this offer if you apply and are approved for a new eligible card beginning February 1, 2021.
If you apply and are approved for a new eligible card, when you make your first purchase you can receive a welcome bonus of 15,000 Aventura Points.
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Aventura Visa Infinite Card or CIBC Aventura Gold Visa Card are excluded. Card account must be open and in good standing at the time the bonus 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. 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.
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.
◊ This offer applies to the CIBC Aeroplan® Visa Infinite* Card. You must apply and be approved for a new eligible card beginning February 1, 2021 to qualify for this offer.
If you apply and are approved for a new eligible card, CIBC will rebate for the first two years the applicable annual fee for you (the primary cardholder) and up to three authorized users added at the time of the application. This offer does not apply to annual fees for authorized users that are added after you submit your application.
If your application for an eligible card is not approved, you may be considered for another card (as disclosed in your credit card application). If you are approved for that card, this annual fee rebate offer will apply in the amount of the annual fee, if any, of the alternate card. If you qualify, the rebate will be awarded to the primary cardholder and will appear as a credit against the applicable annual fee(s) on the anniversary month statement period in which the annual fee is charged for each of the first two years, for a total of 2 annual fee rebates for each cardholder. At the time the rebate is awarded, your new credit card account must be open, in good standing and must be the same credit card product that you were initially approved for.
This offer is not transferable and cannot be combined with any other offer. This offer applies to newly approved cards accounts only; transfers from an existing CIBC credit card to a CIBC Aeroplan Visa Infinite Card are excluded. 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.
You can qualify for this offer if you apply and are approved for a new CIBC Aeroplan Visa Infinite Card beginning February 1, 2021. In order to be eligible for this offer, a client must abide by the terms and conditions set out in this footnote.
If you apply and are approved for a new CIBC Aeroplan Visa Infinite card, you can receive a welcome bonus of 10,000 Aeroplan points. The 10,000 Aeroplan points will appear on your statement after you make your first purchase at any time with your card.
Offer applies to newly approved card accounts only.
Credit card account must be open and in Good Standing at the time the bonus Aeroplan points are awarded. Aeroplan 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, Convenience Cheques, fees, interest, payments and Aeroplan points redemptions. 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. 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.
If you already have an Aeroplan number, please ensure that you provide your personal Aeroplan number to CIBC to be linked to your credit card as linking a different loyalty number may impact the airline benefit fulfillment.
Aeroplan points will be earned on card purchases less returns, and not on cash advances, CIBC Global Money Transfers, interest, fees, balance transfers, payments or Convenience Cheques. Earn bonus rate of 1.5 Aeroplan points on each $1.00 in purchases (net of and/or less returns) at merchants that are classified in the Visa network as grocery stores or service stations/automated gas dispensers, or on each $1.00 in purchases (net of and/or less returns) made directly from Air Canada, for products and services completed online at aircanada.com Opens in a new window., in-person at an Air Canada customer service counter at the airport or aboard an Air Canada flight and Air Canada Vacations packages. Excluded from the bonus rate are car rentals, hotel bookings, and other third party partner products and services that can be purchased through aircanada.com Opens in a new window.. Bonus Aeroplan points offer is only available on the first $80,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after which, Aeroplan points are earned at the regular rate on net card purchases. The $80,000 limit will reset to zero on the day after your December statement is printed. Terms, conditions and eligible merchant categories may change at any time without notice. Aeroplan points will be awarded only if your CIBC Aeroplan Visa Infinite Card account is in Good Standing on each monthly statement date (otherwise Aeroplan points earned in the monthly period are cancelled). Aeroplan partners, rules and regulations are subject to change; refer to Aeroplan Opens in a new window.. We may make special offers, including offers to earn Aeroplan points on CIBC Global Money Transfers, which may be for a limited period and contain additional terms and conditions.
†† This offer applies to the CIBC Select Visa* Card. You must apply and be approved for a new eligible card beginning February 1, 2021 to qualify for this offer.
If you apply and are approved, CIBC will rebate for the first two years the applicable annual fee for you (the primary cardholder).
If you qualify, the rebate will be awarded to the primary cardholder and will appear as a credit against the applicable annual fee(s) on the anniversary month statement period in which the annual fee is charged for each of the first two years, for a total of 2 annual fee rebates for each cardholder. At the time the rebate is awarded, your new credit card account must be open, in good standing and must be the same credit card product that you were initially approved for.
This offer is not transferable and cannot be combined with any other offer. This offer applies to newly approved cards accounts only; transfers from an existing CIBC credit card to a CIBC Select Visa Card are excluded. 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.
◊◊ This offer applies to the CIBC U.S Dollar Aventura® Gold Visa* Card. You must apply and be approved for a new eligible card beginning February 1, 2021 to qualify for this offer.
If you apply and are approved, CIBC will rebate for the first two years the applicable annual fee for you (the primary cardholder).
If you qualify, the rebate will be awarded to the primary cardholder and will appear as a credit against the applicable annual fee(s) on the anniversary month statement period in which the annual fee is charged for each of the first two years, for a total of 2 annual fee rebates for each cardholder. At the time the rebate is awarded, your new credit card account must be open, in good standing and must be the same credit card product that you were initially approved for.
This offer is not transferable and cannot be combined with any other offer. This offer applies to newly approved cards accounts only. 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.
You can qualify for this offer if you apply and are approved for a new U.S. Dollar Aventura® Gold Visa* card beginning February 1, 2021.
If you apply and are approved for a new U.S Dollar Aventura® Gold Visa* card, you can receive up to 2,500 bonus Aventura Points for completing the below activities within 60 days of your CIBC U.S. Dollar Aventura® Gold 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 U.S. Dollar Aventura Gold Visa card; 3. Add an authorized user on your new U.S. Dollar Aventura Gold Visa Card; 4. Hold any eligible CIBC Chequing Account; and 5. Add your U.S. Dollar Aventura Gold 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 Bank USA 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 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.
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a U.S. Dollar Aventura® Gold 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.
Any purchases made outside the U.S. are also posted to your account and appear on your statement in U.S. dollars. Currency exchange fees will apply to any purchases that are not in USD.
1 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.
For CIBC Dividend® Visa Infinite* Card:
Earn 4% cash back on purchases (less returns) at merchants classified by the credit card network as (i) grocery stores and supermarkets or (ii) gas service stations and automated fuel dispensers. Earn 2% cash back on purchases (less returns) at merchants classified by the credit card network as (i) 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), (ii) eating places and restaurants, drinking places and fast food restaurants, or (iii) 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 merchant as recurring. All other purchases earn 1% cash back. The 4% and 2% cash back 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 on your account, whichever comes first; 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 1%. 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/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.
For CIBC Dividend Platinum® Visa* Card:
Earn 3% cash back on purchases (less returns) at merchants classified by the credit card network as (i) grocery stores and supermarkets or (ii) gas service stations and automated fuel dispensers. Earn 2% cash back on purchases (less returns) at merchants classified by the credit card network as (i) 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), (ii) eating places and restaurants, drinking places and fast food restaurants, or (iii) 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 merchant as recurring. All other purchases earn 1% cash back. The 3% and 2% cash back 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 on your account, whichever comes first; 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 1%. 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/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.
2 Interest rates may change from time to time. "Purchase" means card purchases less returns and does not include: cash advances, interest, fees, balance transfers, payments and CIBC Convenience Cheques. "Cash" means cash advances, balance transfer and CIBC Convenience Cheques.
3 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, go to Agreements and Insurance and review the insurance certificate(s) in your card package. Some insurance coverage(s) require purchase(s), auto rentals, common carrier fares and other trip costs to be charged to the card to activate coverage. Other conditions may also apply. Auto Rental Collision and Loss Damage Insurance (CLDI) is available for automobile rentals of up to 48 days. The full cost of the rental must be charged to the card and the rental agency's Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) must be declined. CLDI provides coverage up to the actual cash value (ACV) of the rental vehicle as defined in your insurance certificate. Note that some rental agencies may assess their damages at an amount greater than the ACV of the rental vehicle and you may be liable to them for the difference. Before declining the rental agency's CDW or LDW, you should read carefully and compare the terms of the rental agreement, the CLDI insurance certificate in your card package and any other insurance you own to decide which coverage best meets your protection needs. Out-of-Province Emergency Travel Medical Insurance (TMI) covers the primary cardholder, their spouse and dependent children for the first 15 days of a trip if the covered person is age 64 or under. Dependent children must be age 20 or under or a full-time student age 24 or under, unless they have a permanent physical or mental deficiency. TMI may not cover medical procedures performed without pre-approval. TMI and Trip Interruption Insurance may not cover certain pre-existing health or medical conditions. Certain RSA coverages are "excess insurance" (all other sources of insurance and recovery must be exhausted before coverage is available). For more information, call the insurer toll-free at 1-866-363-3338 Opens your phone app. in Canada, the continental U.S. and Hawaii or collect from elsewhere at 905-403-3338 Opens your phone app.. You can also visit cibccentre.rsagroup.ca Opens a new window..
4 The CIBC Smart Account or the CIBC Smart Plus Account monthly fee is rebated for the 24 month Offer Period. After the Offer Period the regular monthly fee applies. Fee is rebated conditional upon your recurring Payroll deposit from your employer (“your Payroll”) being deposited into your Smart Account or Smart Plus Account. Your recurring Payroll must: i) be deposited into your Smart Account or Smart Plus Account within 30 days after you enroll in the CIBC Group Banking Offer; and ii) continue to be deposited at least monthly into your Smart Account or Smart Plus Account for the Offer Period. CIBC may re-instate the regular monthly fees on your Smart Account or Smart Plus Account if it determines that your Payroll is not being deposited into your Smart Account or Smart Plus Account. Fee rebate applies to the regular Smart Account or Smart Plus Account monthly fee. Go to the CIBC Personal Account Service Fees brochure (PDF, 680) KB) Opens a new window. or visit www.cibc.com Opens a new window. for details on Smart Account and Smart Plus Account regular fees.
5 A transaction includes cheques, withdrawals, transfers, pre-authorized payments, bill payments (including CIBC Credit Cards and CIBC Personal Lines of Credit) and debit purchases. Additional fee(s) apply to wire transfer withdrawals from non-CIBC bank machines, Interac e-Transfer® service transactions and transactions in foreign currency (including cheques written in currencies other than the account currency). The Interac e-Transfer® service fee is waived for CIBC Smart Accounts and CIBC Smart Plus Accounts.
6 Value of $500 is based on the following, as of November 8, 2020:
i) $179.40 ($14.95 per month) for unlimited transactions using a CIBC Smart™ Account;
ii) $289 in annual fees for the CIBC Aventura® Visa Infinite* Card, which includes a $139 annual fee rebate for the primary cardholder and annual fee rebates for 3 additional authorized users ($50 for each authorized user);
iii) $48 in value based on the inclusion of CIBC Overdraft Protection Service monthly fees ($4 per month); note that interest charges for overdraft amounts and overdraft overlimit fees apply;
iv) $20 in value based on non-CIBC bank machine fees assuming 6 domestic, 1 U.S. and 1 international bank machine withdrawals in 1 year.
7 Usual lending criteria apply. CIBC Prime Rate is RDS%rate[1].PRIME.Published(null,null,null,null)(#R#)% as of RDS%SYSTEM_DATE(#M# #d#, #Y#)%. CIBC Prime is the variable rate of interest per year declared from time to time to be the prime rate for Canadian dollar loans made by CIBC in Canada. The interest rate on your personal line of credit will change whenever CIBC Prime varies.
8 If your institution charges you a transfer-out fee, CIBC will reimburse the transfer-out fee up to $150 if the value of the assets you transfer to CIBC Investor’s Edge is $25,000 or more per account.
9 All CIBC Investor’s Edge clients pay $6.95 CDN or U.S. per online equity trade with no minimum account balance or trading activity required.
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